vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I know CitiBank had been under scrutiny and under investigation in the past for not giving out loans to specific XXXX XXXX groups in XXXX XXXX, targeting XXXX. My complaint is not about a loan however the use of my Citi Double Cash Back credit card. 

On XX/XX/XXXX, which is my birthday, I used my card to purchase BBQ meat somewhere around the {$380.00} and my transaction was declined. I received the text message to verify the purchase, I texted yes, got cleared, ran the card again and got declined. This was the time where CitiBank was discriminating against certain groups. I called to see why it declined ; they gave me the excuse that the merchant was under " fraud '' investigation. Mind you the merchant was XXXX  owned, hence another discriminatory act. 

On XX/XX/XXXX, which was my mom 's birthday, I wanted to treat her to a nice birthday day. After asking for the check which was around XXXX XXXX  XXXX, I gave my CitiBank card to pay, and guess what, it got declined again. It was in the amount of {$1100.00}. I was dumbfounded and embarrassed as I told the waitress to run it again and it got declined. It was so embarrassing at the restaurant because they thought I wouldn't be able to pay the tab. Luckily, I had another credit card, and it went through smooth like butter. To make it worse, after my card declined, twice, i never got a text message or email saying if I was using the card. I literally got the message XXXX XXXX  XXXX, almost XXXX hours passed the transaction time. When I called the next day to complain, they didn't give me an answer or excuse or anything. just said nothing. This restaurant was also an XXXX  owned established On XX/XX/XXXX, leaning into XX/XX/XXXX because of the time. It was my birthday, and I was having a birthday celebration at a restaurant. Again, when the check came, I said let me try my Citi Card to pay the tab. It got DECLINED AGAIN. The check amount was for {$1300.00}. Again, no message or email until XXXX, almost 1 hour after the fact. Luckily, I had another card that processed with no problem. Again, when I called to ask them why, they gave me the run around, no clear answer, and said " it was for my protection. '' Yet again the restaurant was XXXX  owned.

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 2024-12-30 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Experian Credit reporting marked my report with two 30 days late and then two 60 days late. I disputed on line which I could not do because they did not offer that kind of dispute. I mailed in a dispute in XX/XX/year> with a letter and with exhibits proving none of my accounts reported me late and they failed to correct. I resent another letter with exhibits in XXXX and once again they failed to correct. I had to get homeowners insurance and at first it was {$3000.00} a year and went up to {$7000.00} a year because of the incorrect credit reporting of 2 30 days late and 2 60 days late. I don't have a problem with XXXX just Experian.

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 2024-12-30 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: AL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX  XXXX, sent my funds to the wrong account number. They try to dispute and recall but was unsuccessful due to Wells Fargo denying it. Wells Fargo has not been able to assist me. The amount disputed is {$300.00} from my pay roll that was supposed to be to deposit to my account on XX/XX/year>. I have been in contact with Wellsfargo for almost 2 months and Wellsfargo have not been able to retrieve my funds from erroneous account.

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 2024-12-30 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: LA

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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
On XX/XX/XXXX such as signing up for services, contacting the company, making a payment, Since then, I have been awaiting a settlement check but have not received it as of XX/XX/XXXX I would like to ensure that my address on file is updated to avoid any further delays. 

I previously attempted to resolve this issue by, such as calling customer service, emailing, or submitting a request ], but the matter remains unresolved. 

I appreciate your prompt attention to this issue and look forward to receiving clarification on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies on my consumer report to your attention specifically pertaining to billing and errors outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

To my knowledge that the creditor failed to furnish me with a statement 21 days prior which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that I failed to make a payment, resulting in erroneous designation as late- a sign of an invoicing error- therefore, I humbly request that the subsequent entries be prompting updated n my consumer report to reflect their current status as follows : " paid as agreed ''.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
After reviewing my credit report I am seeing that Midland Credit is reporting an account on my report that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: PNC Bank N.A.
State: GA

Complaint narrative:
I filed a complaint previously and was contacted by a representative named XXXX XXXX. She stated over the phone that PNC had received full payment for the charge off AFTER the account was charged off. They received a payment from my XXXX XXXX They have been reporting inaccurate information on my credit report for years. Isnt it still PNCs duty to report accurate information on my credit report even after the account was charged off? I asked XXXX XXXX to send me a copy of my account ledger and she did not. She only provided the original contract. This is a violation Under the Fair Credit Reporting Act ( FCRA ), PNC Bank is required to provide accurate information to credit reporting agencies. I request that you investigate this matter and promptly correct the reporting error by updating my account status to reflect that it was paid in full. Additionally, I request that you notify all credit reporting agencies to which you report this account and ensure the correction is reflected on my credit report. 

Please provide written confirmation of your investigation and any updates to my account status within 30 days, as required under the FCRA. If you find that the current reporting is accurate, I request a detailed explanation and verification of the debt as required by law. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have received your response to claimant ID : XXXX ; however, after reviewing my records, I am unable to find any documentation of any contractual relation between LVNV Funding LLC and me, which makes you a person/entity entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation ' ''. This is a request for Proof of Contract to substantiate your claim. Therefore, provide me a Certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. 

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that LVNV Funding LLC is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 
2. File a complaint with the federal Trade Commission. 
3. File a police report against you for harassment and invasion of privacy. 
4. File a lawsuit against you in my county for harassment, fraud and invasion of privacy. 

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to an attorney without providing proof of contract, he or she will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. 

Additionally, Pursuant to 15 USC 1692 c I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through my and all mediums. Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Delete the accounts from all consumer reports. I do not have a contract, nor did I authorize this company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA. I am not liable for these debts with LVNV Funding LLC, they did not provide me with the original purchase agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I received an email from XXXX Data Breach Settlement Additional Pro Rata Payment to click to redeem a code for {$23.00} credit card processed through www.MyPrepaidCenter.com. However, the captcha does not work after entering the code. A puzzle is provided to click and drag to the empty space to complete the puzzle. The captcha does not work. I have tried reporting the problem. I have tried different browsers and different computers to no avail. I found many complaints about MyPrepaidCenter and I believe they are getting all the codes and processing the claim for themselves without giving the funds to the intended party. Please ask for additional information so I can forward the email to you. More than likely everybody getting an email from XXXX Data Breach Settlement Additional Pro Rata Payment is being affected and collectively will amount a huge profit for MyPrepaidCenter for retaining funds for themselves. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I was contacted by Wakefield Associates debt agency concerning a dental bill I owed. I was never told that the claim got denied. I contacted the insurance company and also files a appeal and still get the run around getting it resolved. XXXX XXXX is the company.

Company response to consumer: Closed with explanation