vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium is using a robodialer to place repeat and frequent calls as well as spamming emails. An email was sent to Sequium on XXXX requesting validation of the debt. No response was provided. A follow up email was sent on XX/XX/XXXX alerting Sequium of the violation of our rights under FDCPA. No response was provided. 

Calls received on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: IL

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 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
A payment was posted to my Chase Freedom account on XX/XX/year>. My balance due on the app reflected the payment until at least XX/XX/year>. In the intervening days I made significant personal and financial decisions based on the balance reflected on the app. Relying on the information provided on the app has caused me tremendous financial crisis, and immeasurable personal distress. 
Research of this problem shows that Chase Freedom knew on XX/XX/year> that the funds were not available, however I was led to believe that there wasnt a problem until 6 days later. 
Relying on the erroneous information shown on the app for 6 days has caused me significant financial loss. In addition to the financial burden of this situation, the emotional impact is immeasurable I want Chase Freedom to compensate me for the actual damages caused by their actions, additionally I want compensation in the amount equivalent to the emotional distress their deceptive practice has caused me. 
I want this concern escalated to the proper authorities and this deceptive practice stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank N.A. has previously attempted to collect an alleged debt through various collection agencies but has failed to provide supporting documentation, such as account statements or cardholder agreements, necessary to validate the debt. Without this documentation, I have been unable to determine the legitimacy of the claim or resolve the matter amicably. 

More recently, Citibank filed a lawsuit through the law firm XXXX XXXX XXXX, XXXX. Despite this legal action, there has been no direct communication or disclosure regarding the details of the alleged debt. The only correspondence I have received has come in the form of unsolicited mail from consumer protection attorneys, which has done little to clarify the issue. 

I believe Citibanks failure to provide proper documentation and its subsequent legal action demonstrate an attempt to pressure me into compliance rather than resolve the matter transparently and in good faith. I am submitting this complaint to request that Citibank be required to provide the necessary documentation and work toward a fair resolution of this matter.

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 2024-12-15 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 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 non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX {$500.00} PLEASE REPORT CREDIT LIMIT. ON XXXX  ACCOUNT Letter Date : XX/XX/XXXXXXXX  Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern : PLEASE REPORT ( ( CREDIT LIMIT ) ) ( {$500.00} ) RE-INSERT XXXX XXXX XXXX XXXX XXXX CREDIT LIMIT. PLEASE REPORT THE {$500.00} CREDIT LIMIT. 

ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX CREDIT LIMIT : {$500.00} OPEN ACCOUNT {$0.00} BALANCE Thank you for your time and help in this matter. Sincerely,

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 2024-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance charged off my auto loan account # XXXX, between XX/XX/year> & XX/XX/year>XXXX  however to date COAF has never provided consumer with a 1099c showing charge off information for correct tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Indie Technology DBA Found
State: IN

Complaint narrative:
Hey, so I bought a online service from a company ( XXXX XXXX XXXX ) they charged me {$100.00} On XX/XX/year>. They promised I could ask for a refund after 7 days, it's basically a free trial. The company never ended up refunding me. They have ignored messages for a little over a week now. So, I contacted Found ( XXXX XXXX XXXX ) My bank. I gave them all of the details they needed to show I requested a refund from the company before the 7 days and that they was ignoring me. They said I needed a response from them to file the dispute. Which makes 0 sense. The company clearly scammed me and my own bank doesn't like my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: FL

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 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 2024-12-15 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo illegally and unlawfully seized my automobile XXXX XXXX XXXX on or around XX/XX/XXXXXXXX  and is still injuring me by reporting a balance to my consumer account number XXXX. I purchased this automobile from a local dealership in a consumer credit sale around XX/XX/XXXX, Wells Fargo was security interest in the retail installment agreement in an attempt to purchase the debt. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  a seller may not otherwise take a security interest in property of the buyer to secure the debt arising from a consumer credit sale. A security interest taken in violation of this section is void. '' Therefore wells Fargo had no right to take possession of my property.

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 2024-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: 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 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for and was auto-approved for a credit card with Bank of America XXXX XXXX. A card was set to be mailed to my current and valid address in 5-10 business days. More than 10 business days have elapsed. A card never arrived. Bank of America 's website and app do not allow for me to report this new card being lost or to request a replacement be re-mailed. However all other attempts at reaching Bank of America customer service have failed. I have attempted to call their multiple phone numbers listed on their website or the back of other debit or credit cards I hold with them ( XXXX, XXXX, XXXX ). None have worked. Nor can I submit a written request or complaint on their site as nowhere do they list a customer support email address to contact. I am traveling currently and am not able to go into a branch location during business hours. I simply need to make get ahold of a customer service representative to report the card lost and request a replacement be mailed. This is a simple request, one I have easily made with other credit card issuer companies- XXXX, XXXX XXXX- on multiple occasions. With Bank of America, this simple request is impossible. I've attempted for more than two hours and have given up. Their credit cards business clearly does not have the safety and security of their customers in mind.

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 2024-12-15 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: GA

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 non-monetary relief
Consumer complaint received 2024-12-15 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: MD

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 non-monetary relief
Consumer complaint received 2024-12-15 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: MD

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request additional details regarding my closed account ending in XXXX. Please note that I am not disputing the validity of this account or the associated debt. However, I kindly request clarification on the following information for my records : Date of First Delinquency : Please provide the date on which the account first became delinquent and remained unpaid. 
Date of Last Payment : Please confirm the date of the most recent payment made on this account. 
Date of Charge-Off : Kindly specify the date when the account was officially charged off. 
I believe this information is critical for understanding the status of this account and ensuring that all details reported are accurate. I would appreciate your response in writing at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: WI

Complaint narrative:
Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX the necessary steps are being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payment on my XXXX XXXX account XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.

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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I requested XXXX XXXX to send me a few dollars because i had fell on hardships. She sent funds to my cash app account. The only account listed was my old account information and she used that. I never received any funds and we both called cash app and talked to an agent about the issue and they refused yo comply with adding the funds from the old account to the new one. After several calls from both parties they refused to transfer the funds to the right account or return funds back to the sender. My complaint number XXXX and XXXX. I have two complaint numbers because i tried to resolve this issue with them twice with no relief.

Company response to consumer: Closed with explanation