vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Management, Inc
State: GA

Complaint narrative:
IM FILING COMPLAINT AGAINST SUNSET FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. THEIR NUMBER IS XXXX. CORPORATE OFFICE IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THREATS AND HARRASSMENT, AND HARRASSING MY SON. THEY CALLED MY SON AND TOLD HIM THEY TURNED ME IN TO COURT ON FRIDAY XX/XX/year> IN WHICH THEY HAD NO BUSINESS MENTIONING ANYTHING ABOUT ME AND MAKING FALSE STATEMENTS CONCERNING ME OR MY ACCOUNT. AND THEN I TALKED TO THEM LATER FRIDAY AND TOLD THEM I WOULD COME IN SATURDAY WHEN I GOT MY CHECK, SATURDAY XXXX THEY CALLED AGAIN TELLING ME THEY CLOSING IN A FEW MINUTE I NEED TO PAY THEM BEFORE THEY CLOSED AT WHICH TIME I TOLD THE LADY I HAD AN EMERGENCY GOING ON WITH MY XXXX XXXX XXXX MOM, I HAD THE AMBULANCE COMING TO CHECK ON HER AND THAT MY CHECK HADNT POSTED YET. AND THIS WOMAN DIDNT CARE ABOUT MY MOM SITUATION, IM ALREADY DISTRESSED WORRYING ABOUT MY MOM TO BE THREATENED AND DEAL WITH HER ATTITUDE. SHE TOLD ME SHE WAS SENDING SHERIFF OUT FOR ME AND THATS IS AGAINST THE LAW TO THREATEN SOMEONE WITH LOCKUP FOR A BILL. I HAVE WITNESSES THAT HEARD WHEN SHE SAID THEY WOULD SEND SHERIFF AT ME. AND I DONT APPRECIATE HER ATTITUDE, HER THREATS AND HARRASSMENT. THERE IS A WAY TO TALK TO PEOPLE WITHOUT THREATS AND THE AUDACITY TO SHOW NO COMPASSION TOWARD MY MOMS HEALTH PROBLEM THAT IS SERIOUS I DO NOT APPRECIATE AT ALL. I KNOW MY RIGHTS AND THEY HAVE BEEN VILOATED. I DON'T THREATEN OR HARRASS THEM AND THEY ARE NOT GOING TO DO IT TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report states an account opened on XX/XX/year> in the amount of {$13000.00}. I have not opened any account with anyone this year for that amount. 
Also according to the Fair Credit Reporting Act, I must give consent to share information. Especially in the state of California where I live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX pXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Accounts are paid and I never received any opt out notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Accounts are paid and I never received any opt out notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX self inc XXXX Accounts are paid and I never received any opt out notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX, Account number private, Balance {$430.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Account number private, Balance {$2500.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX, Account number private, Balance {$270.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$13000.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$2300.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report on XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Sunday XX/XX/XXXX at approximately XXXX EST I made a deposit of {$4700.00} dollars into my Capital One checking account. It was XXXX XXXX dollar bills and XXXX XXXX dollar bills for a total of {$4700.00} dollars. I inserted the money into the ATM like usual and then an error popped up on the screen saying they were having trouble processing the transaction. After that the ATM prompted me to take my card back and another message popped up saying " have a good day ''. I never received any receipt for this transaction and the ATM never returned my money I put in. I made sure to not go anywhere and quickly contacted Capital One support to make a claim so I could have some sort of record of what happened. Unfortunately it was a Sunday and the bank was closed so there was no bank manager I could contact about the situation. If the bank checks the ATM they will clearly see there is {$4700.00} dollars too much in the ATM. I wasn't able to take any videos or pictures of the messages because it all happened so fast. Long story short I put {$4700.00} dollars in the ATM and my transaction wasn't processed and my money wasn't returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Follow-up information was requested from Equifax ( original complaint # XXXX ) to forward from me to Equifax by mail. As you can CLEARLY SEE in attached file copy of letter submitted letter sent by Equifax is not only confusing it is contradictory as it provides XXXX different XXXX XXXX XXXX to provide documentaion to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Here is the timeline : XX/XX/year> Saw LVNV collection filed with XXXX XX/XX/year> Sent letter request proof of validation XX/XX/XXXX Received incomplete validation data letter from LVNV XXXX I sent a cease and desist letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I got an alert that there were two hard inquires added to my credit that I did not authorize at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. I declare under penalty and perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by State & Federal Law to file. I also understand that knowing and willful statements or omission of material fact. They have also violated Georgia Revised Statue OCGA 16-9-121.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
MERCHANTS ADJ SERVICE Reported : XXXX. XXXX, 2024 - {$1200.00} XXXX XXXX XXXX XXXX MERCHANTS ADJ SERVICE Reported : XXXX. XXXX, 2024 - {$530.00} Needs Attention XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a prior complaint they are habitual liars. No call back fake empathy. The crazy thing is our us government is aware of the numerous infractions and bad banking practices. Their legal is good because they deflect anything and everything I will pursue this in the court of public opinion. My advice was to make it public first - I gave them ample time. They laugh in out governments face with those fines because the behavior does not change. They sent a meadation letter about the fake accounts they made in my name to give me a hard time cashing a check is ridiculous and why Im pursuing this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, Equifax, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
They are violating 15 u.s. code 1681 s 2 please remove this negative item from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The final billing with Citicards was paid in full ( {$2000.00} ) well before the due date. I closed the account. I am now being billed an additional {$14.00}, XXXX in interest on {$760.00} and have no idea where this amount came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My loans transferred from Nelnet to XXXX in XX/XX/year>. Nelnet was paid off XX/XX/year>. They refuse to remove the balance from my credit report. I have the same account in my credit report twice. This is causing my debt to income ratio to be very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Continue to report inaccurate information on consumer report. Continue to violate my rights as the consumer! Continue to violate the fcra, Continue to report unverified detrimental information on consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I tried to open account to put my school money into but a few banks denied because they said XXXX XXXX XXXX told no, they said I had a account when I was to young to have a account and its affecting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter stating there might be fraudulent charges on my Citi bank credit card account. I could not get into my account when I never had a problem before. I still can not. I called fraud and spoke to a woman The XXXX week of XXXX. She said she will cancel the card issue me another one in the mail and the fraud department will contact me. They have not. I got a new card in the mail the XXXX week of XX/XX/year> and in the time it was sent by the bank it was already hacked. I called again the XXXX week of XXXX and got the same woman with a different name. Another card was sent to me and the same thing happened. I call citi fraud department and got THE SAME WOMAN ... .. different name again. ( she had a very unique voice and accent. It was her ). She would not talk to me like a normal person. At this point I asked her to just close out my account all together but this was after a payment of {$490.00} was automatically applied to the fraudulent charges on my account. 

I got a letter in the mail stating I was accepted to apple pay, another for XXXX, and a third with a debit card I had supposedly opened, then a XXXX with a debit pin. None of these I applied for and these came after I " closed the account ''! 

I answered the phone Sunday XX/XX/year> to hear the voice of that same woman again telling me I owe over {$200.00} on this account. The one that she supposedly closed. 

I gave permission for her to speak to my husband. After a short discourse she hung up on him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
So I've been banking with ally for a year or two now no issues. Until I tried to send my boyfriend ( XXXX XXXX ) money for rent and such via XXXX  from my spending to his 3rd party bank, XXXX XXXX. All the way up to the XXXX of XXXX I was charged XXXX  transfers that were sent to my boyfriends account. 

He never received this money. I called ally to try and get this sorted and they closed my account " temporarily '' Then yesterday ( XX/XX/XXXX ) XXXX gets charges from ally adding So of course I call and they tell me they terminated my account. I asked them where this money was going and they couldn't give me an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation