vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXXard was opened on XX/XX/year> for Frontier Airlines. Attempted access a week later when card arrived, unable to locate acct. Multiple attempts made, unable to access acct. Finally got someone in the US and found out the DOB did not match. Security had acct flagged rendering it unable to be accessed. How does a company process a credit application and approve with information that is incorrect? Finally got resolved and access granted to find there are late charges and a credit hit on the account. In my line of work, this affects state licensing. Barclays is uncooperative in resolving regardless whether or not they are the party at fault. Not allowing consumers access to accounts and then charging lates fees and submitting late payments to the credit bureaus is not only usurious but fraudulent. In no case is this acceptable from an credit organization. Organization will also not remove credit hit due to their mistake and deflects to the credit bureaus. It is time CFPB holds credit card companies and their employees to the same standards as the rest of credit grantors. XXXX XXXX, manager collections was latest representative spoken with

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 2024-08-17 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: CA

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 2024-08-17 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: VA

Complaint narrative:
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 XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear XXXX, XXXX, and TransUnion, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : XXXXXXXX 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 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 I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation.

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information.

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim.

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA.

Failure to comply with these obligations may result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear Equifax, XXXX, and XXXX, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : 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 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 XXXXXXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation.

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information. 

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim. 

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA.

Failure to comply with these obligations may result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: IN

Complaint narrative:
I charge approximately {$100000.00} per year on various Citi accounts. I may not be Citi 's largest customer but I am surely above average. I ask no special favors. I ask only the minimum level of service Citi advertises. Instead I get harassment over matters outside my control. We use this particular card in my firm for business purchases. A member of my staff told me there was some security problem, and I would need to verify some security information. I did so over the phone with the bank 's representative. A couple of days later, I noticed the website still showed an alert warning on the account. I called the number given and fought my way past recordings, robots, foreign languages and a couple of on-holds and dropped calls. Finally, I reached an agent, but she offered no help at all. She could not explain why the alert was still in place or what I should do about it, if anything. It was a complete waste of my time. She told me a letter would be coming to me in the mail to address the matter. A letter? In the XXXX century? I asked her to explain and resolve it now. She refused and attributed this " procedure '' to " management '', so I asked to speak to management. A woman named XXXX responded. She asked about a single fraudulent transaction that I had already reported earlier. She acknowledged I had reported the item as fraudulent, but she said the bank had not acted on it. I objected to this harassment over a matter that had already been resolved. She said a new card would be sent in 5-7 business days. I told her that is exactly the same thing I have been told before, and I resented having my time wasted with repetitive alerts and calls on the same matter. It is evident that Citi does not care if it wastes customers time.

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 2024-08-17 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: MD

Complaint narrative:
The information on all three credit bureaus differ one i have asked for investigation several times none of these companies have done a thorough investigation. They have different payment historys there is missing payment information

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 2024-08-17 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:
The information on all three credit bureaus differ one i have asked for investigation several times none of these companies have done a thorough investigation. They have different payment historys there is missing payment information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
all 3 credit bureau are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all 3 bureau

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 2024-08-17 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX5 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.

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 2024-08-17 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

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.

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 2024-08-17 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am writing to formally complain about Apple Card continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, Apple Card continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that Apple Card immediately stop reporting this account and that XXXX ensures its permanent removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
TrueAccord Corp. is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I request valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THIS ACCOUNT RECEIVED MY MONEY IN A SCAM AND THEY CHOSE TO NOT RETURN IT - XXXX / XXXX XXXX was the fraud name they used on the account. 

Here 's what happened. 

I was called by one woman who identified herself as the XXXX XXXX XXXX department. She asked me if I had made recent purchases - I had not and told her no. She then told me I had wire fraud happening and she gave me a bunch of information about the case - mimicking a XXXX XXXX case id, the amounts and which accounts it was from by using the last four digits of the account numbers. She said the fraud for wires would call back on the same number and that she would hold until that happened then hang up, she told me who would be calling from that department. He did. He then proceeded to walk me through " returning the funds to me '' via the app, he told me to write his name down, with the account number she gave me, ( XXXX ) which was framed to me as a case number also, he said, before you add recipient write XXXX in the memo to reverse the wire. He correctly told me that then when I add recipient, it will change to my name. It did, so it looked like I was wiring myself. All of this was done in app. He then said I would receive a text saying, XXXX XXXX XXXX  : Wire transaction amount of XXXX has been canceled and will be refunded. I did ( I made TWO WIRES ) because it was framed as the only way to return both attempts. The phone number I got the text from was XXXX. The next amount was XXXX. 

Here 's the problem, Chase has fraud occuring in their accounts which is provable and I am sure insurable - but I DID NOT RECEIVE MY MONEY IN RETURN. I am one of thousands who this happens to on the daily I am sure but as one we are many. 

I expected Chase to comply with XXXX XXXX and return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NJ

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 15 USC 1637 ( b ) 15 USC 81057 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC Code 1666b billing error never was late please update account to paid on time Please update account to 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 2024-08-17 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: GA

Complaint narrative:
To whom it may concern, it has come to my attention that there has been a data breach XX/XX/2024 where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX  ( XXXX XXXX XXXX XXXX ). According to the FCRA XXXX XXXX. XXXX XXXX findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.

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 2024-08-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year> I report a login issue with company website. My legal name was changed of email for log in & I can not log into the company 's website to access finances.

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 2024-08-17 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: PA

Complaint narrative:
all XXXX XXXX XXXX are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
all XXXX XXXX XXXX are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all 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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One decided to freeze my account because of a disputed XXXX transaction that I received. They bank contacted me and asked me to " verify '' some details which I attempted to but I could not because I did not have the phone number of which the disputed transaction came from. As a result, they closed my account and unknowingly all the money in my account was withdrawn by Capital One. I called them again to ensure that it wasn't a mistake and they told me that they are " holding the funds ''. I'm not sure what that means but I did not receive any notice or email that they would withdraw my money. The money is also unrelated to the dispute because it was just deposited from my job. The total amount that Capital One withdrew was {$700.00} on XX/XX/year>. Since then, the only transaction from Capital One was a " Checking Closeout by Check '' amounting to {$0.00} on XX/XX/year>. I have not heard back from Capital One since.

Company response to consumer: Closed with explanation