vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally report unethical practices by U.S. Bank regarding its handling of credit card account closures and repayment options. Despite my repeated requests to close my credit card account, U.S. Bank has refused to process the closure, allowing interest to continue accumulating. 

Furthermore, unlike other creditors who have provided repayment plans, U.S. Bank has denied me this option, leaving me with no structured way to manage my debt responsibly. This practice appears exploitative and contrary to fair banking standards. I urge an investigation into this matter to ensure customers are treated equitably. 

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2024-12-27 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the account listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following account is blocked and deleted from my credit report : ACCOUNT : XXXX XXXX XXXX - XXXX - XXXX - {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the account listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following account is blocked and deleted from my credit report : ACCOUNT : XXXX XXXX XXXX - XXXX - XXXX - {$13000.00}

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 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Description of the Issue : I am writing to formally complain about a {$2.00} fee imposed by Bread Financial/Comenity Capital Bank for choosing to receive a paper bill instead of opting into paperless billing. This fee was charged without my explicit consent, as I have neither agreed to nor declined paperless billing on their website. Despite closing the pop-up prompt without making a selection, the company proceeded to charge me this fee. 

When I contacted customer service to address this issue, the representative stated that the fee was applied as part of their digital era initiative and that it was for my convenience. I explained that receiving a paper bill is essential for me to manage my finances and that I never authorized this fee. After escalating the matter to a supervisor, I was informed that the fee would remain regardless of my preferences or history with the company. 

I have been a loyal customer of Comentiy Capital Bank/Bread Finacial ( Zales Credit Card ) for several years and have spent over {$20000.00} with them. This fee feels like a penalty for my preference, which is neither convenient for me nor ethical in principle. The companys refusal to provide a resolution demonstrates poor customer service and a lack of regard for long-term customers. 

Why This Is Unfair and Potentially Unlawful : Lack of Consent : The fee was applied without my explicit agreement to opt into or out of paperless billing. 

Unethical Practice : Penalizing customers for wanting a paper bill is unreasonable and disregards individual needs and preferences. 

Inadequate Customer Support : Despite my attempts to resolve this issue with both customer service and a supervisor, the company refused to waive the fee or offer a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
I tried to use this company for credit repair. I didnt know the charges were so expensive. I canceled my account and was still charged even though I never use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I canceled this order with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. Since XX/XX/XXXX, the salesman XXXX XXXX XXXX, nor the managing partner XXXX XXXX have retuned my call or took any action to remove this $ XXXX charge from my accounts. I notified Synchrony Bank this was a fraudulent transaction on XX/XX/XXXX, and informed them I did not authorize this charge to Synchrony account XXXX. I requested they close this account. Months later they reverse the charge from XXXX citing that the flooring had an invoice for the charge and opened Sychrony. Account XXXX. Since XX/XX/XXXX the salesman XXXX nor the Managing Partner XXXX XXXX have returned my call or took any action to remove this charge. 
I did not authorize XXXX XXXX  to charge any of the above accounts for {$25000.00} on XX/XX/XXXX. I did not receive any material or services from XXXX XXXX in XXXX. I merely received a quote from the salesman XXXX XXXX I requested he remove the charge when I receive a notice form Sychrony Bank for $ 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 2024-12-27 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was depositing a check for my grandmother from Social Security which I have the permission as her representative to do and I have permission from her, as she is the owner of the check. Citi bank partially deposited the check and then a few days later notified me that the account would be closed. They did not return my funds and the check is no longer in my possession. When I contact them, they just tell me that the account was closed and they can not help me further.

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 2024-12-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RETIRED RETIRED XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} -Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} -Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} - Collection XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management LLC {$670.00} This " debt '' is well over 7 years old bit this company keeps re-reporting it like its a new debt every year sometimes twice a year. 

They also no longer will list the company the oeginal alleged debt was from. It's listed as their company. I feel what they are doing is illegal. From what I've read and been told, I am right. 

This company changes dates and updates the orginal credit date to a closer date. Manipulation and false statements. The collections companies keep selling to one another back and fourth to accomplish this fisad. Used to be XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To Whom It May Concern : I was recently made aware of a negative inaccurate item on my credit report by your company.This account shows as written off on my credit report and I have not received a 1099-c. Please supply me the 1099 c. This is false reporting and if not removed I will move forward to suing for statutory damages. I request that you please do the following within 30 days : 1. A copy of the original contract or agreement that forms the basis of the debt. 2. A detailed itemization of the charges, including dates, amounts, and descriptions of services or goods provided. 3. Proof of ownership and chain of assignments, including : - Assignments or transfers from the original creditor. - All subsequent assignments or transfers. - Verification of each assignment 's effectiveness date. Proof that you licensed in my state, and provide me with your license number ; 1. Verification of the accuracy of the debt amount. 2. A statement indicating whether the debt is subject to any statues of limitations or other defenses. If you fail to provide this information within the specified timeframe, we will consider the debt to be unvalidated and potentially invalid.

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 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I hired a contractor XXXX XXXX to install carpet in my home. They installed the carpet. but the carpet quality and color is not what i selected for. Its a very cheap material carpet and padding they installed. the color is also not what was selected for. After the carpet is installed, the threads are coming out. The carpet corners are ripping off. I need to reinstall the carpet all over again. the workmanship is of very poor quality. i called XXXX XXXX  few times but no help. The collection agency is now trying to collect on the debt. I provided the photos of the carpet installed, but debt collection agency is not taking any action on it. They just provided me the copy of the contract and stated that i owed the debt and needed to pay.

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 2024-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filled out an auto loan application, and they ran my credit without proper authorization, meaning it was only supposed to be ran once. They ran it multiple times XXXX and XXXX XXXX on my Experian Credit Report. I called Experian but they trying to sell me a package to some unauthorized inquiries. Totally ridiculous on their part.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a lot of late payments, incorrect balance on all three credit bureaus XXXX XXXX and transUnion incorrect collection attempts

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 2024-12-27 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: GA

Complaint narrative:
I have a lot of late payments, incorrect balance on all three credit bureaus XXXX Equifax and XXXX incorrect collection attempts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington law misused my info and I've relocated. I have a new address XXXX XXXX XXXX XXXX, Ga.XXXX. 
Thank you kindly. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America closed my checking account on XXXX XX/XX/year> at the time i was not aware my account was closed or was in the process of being closed. I visited a Bank of America branch to inquire as why my account was inaccessible and was told there it was being closed due to risk aversion. I asked about my upcoming paycheck from my employer that is direct deposited every Friday biweekly. The bank representative told me that the direct deposit would bounce and be returned to my employer the same day and that i would be able to get a check from my employer. Today is Friday XX/XX/year> and I have checked with my employer to check if my direct deposit went through and it did. I called bank of America and they said to tell my employer to issue a stop payment on the direct deposit which i asked my employer if was possible which he said no as the funds had already exited the account and could not be clawed back. I called bank of America again to ask when i would get the funds on my account and they told me initially that my account would be closed XX/XX/XXXX and a check would be mailed to me, however this time when i called they said my checking account was being closed XX/XX/XXXX and i would get my check 7 to 10 Business days after XX/XX/XXXX. Todays date is XX/XX/year> according to bank of Americas timeline they will have my money for a MONTH before they even return it to me. I am a student and had over a XXXX in my checking account before they locked me out of it. I need that my to pay bills and buy food, i can not afford to wait a month for it to be returned to 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 2024-12-27 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: FL

Complaint narrative:
Equifax has wilfully violated the Fair Credit Reporting Act ( F.C.R.A. ) by failing to comply with the following provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failing to conduct a reasonable reinvestigation ), 15 U.S.C. 1681e ( b ) ( failure to maintain accurate information ), engaging in deceptive practices through unfounded claims, concealing how verification and updating were done using only internal records, and acting in bad faith to circumvent their obligations under the F.C.R.A. These violations have resulted in the continued reporting of outdated and inaccruate information on my credit report. I request that the CFPB investigate Equifax non compliance and ensure accountability for these unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 explanation
Consumer complaint received 2024-12-27 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-27 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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