vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with XXXX in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that XXXX had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted XXXX again and was subsequently told it takes XXXX days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted XXXX again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted XXXX again and this time was told that all the prior information I had received again was incorrect and that it takes XXXX business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on XXXX and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.

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 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I have never done business with " Affirm '' and have not taken out loans that have been sold to them. However, they keep sending emails to my address stating I owe overdue payments on three different loans. 

I frequently get misdirected emails for other XXXX XXXX, so I called Affirm and suggested they might have the wrong email address, that I had never taken out any loans through them and did not owe them any money, that they should call the person for the identified loans and get the correct email address, and that they needed to stop sending me emails. I am still getting emails. They also send me emails through " XXXX '' that says I owe money. 

I definitely do not owe them any money and there was never any process through which I verified my email was associated with any account. I have received dozens of these emails in the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited a XXXX check into my account for my XXXX XXXX I had received it back signed by him in the mail. I didn't know I also had to sign since it's going into MY account. I called Monday, was told that the funds would be available today. This morning my account was XXXX overdrawn. I called, was told they needed me to verify that it was approved by him. I called the bail settlement people that sent the check initially, put him on XXXX call to have them give me access when he isn't on the phone. They did that. I went into the branch was told they needed me to call and have my account taken off restriction. I call, they need a number for my boyfriend who I told them is XXXX  and he received the check FOR being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2023, I submitted information about inaccurate information on my credit report. Nothing was corrected. The credit bureaus continue to say things are verified and accurate when this is not true. There are inaccurate late payments on my credit report that violate 15 U.S. Code 1666b - Timing of payments. This needs to be corrected. In addition to, my identity being compromised. There are accounts on my credit report that do not belong to me. I have also attached an FTC report that I filed to support 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 non-monetary relief
Consumer complaint received 2023-12-05 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file. 
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file. 
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I went to check my Experian credit monitoring account and saw a negative report for a bill owed to XXXX for a cell phone bill. The amount is for {$3600.00} and was updated as of XX/XX/2023. I do not own nor ever owned a XXXX XXXX phone or any other services with XXXX. I have a block on my credit report and have had it for some time. I contacted Experian on XX/XX/2023 and was told to make a report as I am doing right now.

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 2023-12-05 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: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXXXXXX XXXX yet XXXXXXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Ive sent target numerous debt validation letters, asking for proof of debt. They responded one time and said they would send me the information, but never responded again. When Ive disputed the information on my Experian report, they keep denying my dispute yet they havent followed law that says they have to provide me with that information and in a timely manner

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 2023-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2023 my Accounts was Hacked from a XXXX Data breach, And some one cleaned out my Business Account and sent an illegal Wire for {$52000.00} was sent from my Business Account at Truist Bank Has put the blame on XXXX XXXX XXXXXXXX and A recall was sent within 1 hr. and a claimed filed with Truist Bank. 

XXXX XXXX XXXXXXXX has had 5 months to investigate this wire as it was recalled on XX/XX/2023 within a fast time to stop funds moving. 

I'm at a lost of getting any help and a respond from anyone. 

I have filed an FBI report as well, I have also filed several suits against XXXX XXXX for Negligence. I am forced to File Bankruptcy Business ' and Personal XXXX XXXX this month. 

Its a shame to have to use any Bank anymore because there is no help, protect and or support to get answers.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was solicited by CapitalOne with whom I have had a multi-year banking relationship for a CapitalOne credit card. I applied for the card, and received a notice asking that I submit a copy of my photoid. They provided a web-site address where the image of the photo-if ( front and back ) could be submitted. I made the submission. I did not hear back from them, though their web-site acknowledged that I had submitted information. When I called to enquire I was told that the format in which I had submitted the photo ID copy was not correct. I asked for a description of what was required -- the agent said that he was not allowed to provide me with that information. I requested that they send me a letter to that effect and he said that was also not possible. I asked to speak with a supervisor. The supervisor said that I needed to use a smartphone to send a copy of my photo ID. I asked the supervisor to provide a letter to that effect. He said that he could not. I then asked when I would be informed that they information which I provided was not adequate. He checked with some department and then told me that they would not be sending me any details saying that what I provided was not adequate but that they would simply wait for the response period to end and then deny my application because I had not provided the requested information. All of this was communicated on a recorded line. I asked for a further escalation and was told that this would not be possible. I then asked the agent if I could record him stating that their intention was to not inform me in writing that the information I provided was inadequate. He told me that I could not record the call -- even though Capital One was recording the call. We ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2023, I received a correspondence from Barclays offering balance transfer checks My balance on that date was {$0.00}, that is, I owed nothing to Barclays and therefore had an available credit of {$6200.00}. 
I then used check number XXXX and filled out the amount of {$5000.00} to use to pay other cards. This check was written in the name of my husband, and deposited into his XXXX XXXX account on XX/XX/2023. 
On XX/XX/2023, my husband received a letter from XXXX XXXX, informing him that the check had returned due to insufficient funds. 
I called Barclays and explained what had happened and an attendant informed me that he wanted to check what was happening, as my balance was {$5200.00} : {$5000.00} balance transfer, {$250.00} fees and {$26.00} returned check fee. 
After a few more days, I received a statement from Barclays confirming these values. 
I contacted Barclays again and the attendants were unable to tell me what was happening. 
Several explanations were given and no solution was taken. 
I have already made more than 15 calls to Barclays, spending more than 15 hours in total with no solution. 
I have marked the name, time and date of several calls and also recorded the audios. 
On XX/XX/2023, I had to pay the minimum amount of {$52.00} from my account to avoid damaging my credit and so far I have not had a solution to the problem. 
In XXXX I payed another {$62.00} and XXXX I payed {$52.00} to maintain my account in good standing. 
I did not use the amount of {$5000.00} because the check was not paid due to insufficient funds and I have a debt of {$5200.00} with Barclays that does not exist. 
I ask for an urgent solution.

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 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX working on behalf of Jefferson Capital Systems LLC XXXX has called me several times from several different numbers about several different credit cards for Jefferson Capital Systems LLC. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/23 and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/XXXX  to stop calling ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-12-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
reporting two dda closures, i did not open.

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 2023-12-05 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: Credit Service International Corp
State: FL

Complaint narrative:
I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file. 
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file. 
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
discover had never sent a written agreement or a promiesnary note but none was provided also the debt been sold to the company i ask to deleted the acct base it wasnt supose to be on my credit report i didnt give written consent in my right been violated for added information on my credit report without permission. `15 U.s code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX and Equifax are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.

Company response to consumer: Closed with explanation