vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
As of today, Wells Fargo Bank is closing an account that I was to keep. It is a XXXX credit card that i was told XXXX times to keep, as per my previous complaint but in an attempt to retify the situation, I was again left in disbelief as to what they have asked of me. I noticed that when I sent records, the account was unfrozen on XX/XX/XXXX but then was frozen again on XX/XX/XXXX. This is a problem but the bigger issueis that I have received XXXX different letters, XXXX dated XX/XX/XXXX saying to have the paperwork sent in by XX/XX/XXXX and also received a different letter from the person who is working on my complaint, ( XXXX XXXX XXXX saying they needed until XX/XX/XXXX. That is a XXXX day and crucial difference! I called XXXX XXXX about these XXXX different dates only to hear that XXXX department has nothing to do with the other despite the addresses on the letters being the same, this is still the XXXX XXXX Credit Card Department but they act as XXXX different entities?! This make XXXX sense. He advised me to call a different number XXXX, which I did and got NOWHERE with this person... who tried to defend this until I mentioned to that I tried to close this account when the balance was lower back when I closed the business! What they are trying to do to me today ( from XXXX YEARS ago ) will destroy my credit and also, this is a nefarious act yet again by the bank to put their customers in worst positions possible. Closing my account with this XXXX day differential will also hit my credit report, leaving an unjustified balance and drop my score ; I will have to fight that as well!! These conflicting letters shows how far they will go to discriminate and deceive small businesses as well as tactics to destroy the credibility of their customers. I am submitting these XXXX confusing letters and ask that they be contacted with yet another way of scamming their way through the banking systems! I have also made notes on the letters as to who I spoke with and when. I have offered to have the card made into a personal one and transfer he balance and continue to make the payments ( as I have been since the day I have received the card and I have NEVER missed a payment ). I also have gone so far as to look at their social media and this is something they have been doing to many, many people and it seems we all have the same things in common. This is not about the card and thier poorly trained employees. Furthermore, I have spoken to XXXX different people and no one has been consistent or remotely knows what to do.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm writing to file a complaint that I was not being properly reimbursed for fraudulent charges posted to my Citi XXXX  card. 

I applied and was approved for the Citi XXXX  card on XX/XX/year>, a week after I was approved, I noticed XXXX charges totaling {$480.00} on the new card, dated from XX/XX/XXXX to XX/XX/XXXX, all of the transactions occurred before I activated the card. 

I called Citi immediately to report these transactions as fraud and were given temporary credits. However, upon checking recently, these investigations were marked as complete by Citi and the temporary credits were all reversed. I have called Citi fraud services at XXXX and they were unable to offer me an explanation or re-open the investigation. 

I do not have possession of the credit card, now or when the transactions occurred. I assume the card has been lost or stolen, which made the transactions fraudulent.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX  : This account was taken over by XXXX XXXX  XXXX They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

Macy's/CBNA account was closed for the same reason. 

XXXX XXXX XXXX account is 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX  : This account was taken over by XXXX XXXX  XXXX They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

XXXX account was closed for the same reason. 

THE AFFIRM INC account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB Team, I am writing to formally submit a complaint against XXXX XXXX XXXX and XXXX XXXX regarding their failure to provide proper debt verification as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Background XXXX, XXXX. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Alleged Debt Amount : {$360.00} I contacted XXXX  to request verification of the alleged debt. I specifically requested documentation including a full account history, the original creditor agreement, proof of assignment, proof of my liability, and any credit bureau reporting related to this account. Despite my explicit request, I have yet to receive the necessary verification. 

XXXX XXXX XXXX 

Address : XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Alleged Debt Amount : {$360.00} I also contacted XXXX  to dispute the validity of the alleged debt they claim I owe. Similar to my request to XXXX, I asked for detailed verification of the debt, including the account history and proof of assignment. I made it clear that until I received this documentation, I demanded that they cease all collection efforts. However, I have not received any response from XXXX. 

Nature of Complaint Both XXXX  and XXXX  have failed to comply with my requests for verification, which is a violation of my rights under the FDCPA. Their lack of response and failure to provide proper documentation leaves me with no assurance that the alleged debts are valid or that they have the legal authority to collect on them. 

Desired Outcome I request that the CFPB investigate the practices of both XXXX and XXXX. I seek enforcement of the FDCPA to ensure that these companies are held accountable for their failure to provide verification of the alleged debts. Additionally, I would like them to be reminded of their obligations under federal law to cease collection efforts until they can validate the debts they claim I owe. 

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation of my complaint. 

Sincerely, 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB Team, I am writing to formally submit a complaint against XXXX XXXX XXXX and XXXX XXXX regarding their failure to provide proper debt verification as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Background XXXX XXXX. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Alleged Debt Amount : {$360.00} I contacted XXXX  to request verification of the alleged debt. I specifically requested documentation including a full account history, the original creditor agreement, proof of assignment, proof of my liability, and any credit bureau reporting related to this account. Despite my explicit request, I have yet to receive the necessary verification. 

XXXX XXXX XXXX 

Address : XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TrueAccord Account Number : XXXX Alleged Debt Amount : {$360.00} I also contacted XXXX  to dispute the validity of the alleged debt they claim I owe. Similar to my request to XXXX, I asked for detailed verification of the debt, including the account history and proof of assignment. I made it clear that until I received this documentation, I demanded that they cease all collection efforts. However, I have not received any response from XXXX. 

Nature of Complaint Both XXXX  and XXXX  have failed to comply with my requests for verification, which is a violation of my rights under the FDCPA. Their lack of response and failure to provide proper documentation leaves me with no assurance that the alleged debts are valid or that they have the legal authority to collect on them. 

Desired Outcome I request that the CFPB investigate the practices of both XXXX and XXXX. I seek enforcement of the FDCPA to ensure that these companies are held accountable for their failure to provide verification of the alleged debts. Additionally, I would like them to be reminded of their obligations under federal law to cease collection efforts until they can validate the debts they claim I owe. 

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation of my complaint. 

Sincerely, 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 2024-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX ( early evening ) - I received a notice from Bank of America saying they received a request to transfer {$23000.00} from XXXX of my BofA XXXX XXXX into a XXXX XXXX  account ending in XXXX. I called the bank immediately to notify them this was not me. After XXXX hours of speaking with XXXX different people at BofA, they all guaranteed me those funds would NOT transfer and this incident would be investigated. 
XX/XX/XXXX ( early morning ) - I received another notice from BofA the funds transferred into a XXXX XXXX  account. I called the bank again to see what happened. The person I spoke with ensured me that I would receive a refund of the stolen funds and they would further investigate. 
XX/XX/XXXX - Claim was filed with Bank of America, but the funds were already transferred the day prior. This is the claim I called about on XX/XX/XXXX - filed XXXX hours after my claim. 
XX/XX/XXXX - Bank of America says they are denying my claim which reduced my credit score by XXXX points XX/XX/XXXX - Filed another claim with Bank of America - claim processed on XX/XX/year> Throughout the process, Bank of America has made it difficult for me to protect my own funds. They have refused to allow me access to my own phone records and are saying I need to file a subpoena to have records of all my own communication with them. Tellers have been unwilling to help and Bank of America is persistent that I received the funds but won't investigate the account the funds were transferred to.

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 2024-10-01 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I went to Frontier airlines website to get a flight ticket for my family vacation. I was shown the advertisement for Frontier credit card offered by Barclays bank and an offer of XXXX points if i purchase for {$1000.00} in next 90 days. I applied and got approved. When I went to the check out I was show an advertisement for the same credit card with a {$200.00} credit at check out. I wanted that offer and I was trying to find a way to use the newly approved card at checkout because using it for the upcoming vacation was the primary purpose of applying for this credit card and having a hard pull on my credit. when I tried to use the {$200.00} credit offer at check out I got a message after filling the form again saying i applied for the card in the last 30 days. I couldnt find anyway to use the newly issued card to buy the vacation tickets so I called the bank and the response from the bank was super unhelpful. The credit card advertisement felt very deciving as i couldnt get the statement credit offer since i did not apply at check out instead applied XXXX minutes before reaching check out and I couldnt use the card becuase of some security rule which says I can only use the card after getting a copy of the physical card in my hand. This is XXXX century and this felt very predatory and a UDAP violation and an unfair banking practice when they treat customers who coem to the frontier website in unbelievably different ways where some of the approved customers can immediately use the ocard for a ticket purchasing transactions while some other customers have to wait XXXX days to receive the physical card to make the same transaction. They are using fine prints to drown these important information and this is a clear UDAP violation. I want CFPB to look at this issue with the required seriousness since this caused major harm to myself as a credit card customer as i got hit by a hard credit pull and I am unable to use the card for the intent i applied it for.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation