vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed a fraud report on a charge that I did not make. While Citi did attempt to contact me three times regarding signing the attestation that the charge is indeed fraud, I wasnt able to call back. They also sent two emails with the information, but the links expired and I was unable to view/sign what was necessary. When I got a letter saying the charge was deemed to be valid, I called and told the representative that I wanted to appeal the incorrect decision because I did not make the charge. I specifically mentioned that I legally deserved a credit, at the very least temporarily, until the case is actually resolved. I told the representative I didnt want the fraud charge being reported to the credit bureaus as a balance because the charge was incredibly high dollar, and she confirmed it wouldnt be. I got my statement and the balance does reflect the fraudulent charge and my minimum payment was calculated off of the full statement balance. This is an FDCPA violation and if it is not corrected, I will take further steps, including exercising my ability to a private right of action. I did not make this charge and the information provided by the merchant is lacking facts as it suits them in their chargeback attempt. Ask the merchant what the shipping address was, because nothing was shipped to my residence. The information provided by the merchant intentionally leaves out the shipping address and only includes billing address ( which clearly the fraudster had ). I am protected by FDCPA and Citis zero fraud liability policy in the terms and conditions of the card. I expect Citi to recognize its legal obligations in regard to consumer protection regulations.

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 2024-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I have repeatedly requested information from WESTLAKE FINANCIAL SERVICES who is an indirect lender to provide information regarding the direct lender and WESTLAKE FINANCIAL SERVICES has repeatedly ignored my request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have sent a debt validation letter for the following accounts : XXXX XXXX XXXX Bal {$500.00} acct # XXXX XXXX XXXX XXXX XXXX {$630.00} acct # XXXX XXXX XXXX XXXX Bal {$1100.00} Acct # XXXX XXXX XXXX XXXX Bal {$1100.00} acct # XXXX XXXX XXXX XXXX Bal {$730.00} acct # XXXX XXXX XXXX XXXX Bal {$1200.00} acct # XXXX Jefferson Capital Bal {$290.00} acct # 3706 Jefferson Capital Bal {$650.00} acct # 3893 Jefferson Capital Bal {$3400.00} acct # 3723 Jefferson Capital Bal {$600.00} acct # 3706

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TN

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This is a complaint about the annualcreditreport.com website. The average consumer is going to be deceived -- I was. 

The process for requesting free weekly online credit reports from the https : //www.annualcreditreport.com/ website is broken. 

From the XXXX XXXX XXXX, following links labeled " weekly '' eventually lands you on the https : //www.annualcreditreport.com/requestReport/processCRA.action page -- which is exactly the same page you'll land on if you request your free " annual '' report. (??? ) On that page, the term " report '' or " credit report '' is used 8 times ; the word " weekly '' is used exactly once -- at the top of the page, and ; the word " annual '' is never used on the page. Yet the discussion following the, " COMMON QUESTION : Should you order all XXXX  reports now or spread them out over time? ", is all about your annual report. So in response to the instruction to, " Request XXXX, XXXX, or XXXX reports '', a careful user of the page will not select any report, thinking the check boxes are for annual reports, when they're seeking the free weekly online reports. But with none selected, clicking the " Next '' button reloads with the error message, " Errors : Please select one or more XXXX XXXX XXXX XXXX XXXX. '' -- you can't proceed without selecting at least one. 

So there is no clear path to " ... free weekly online credit reports ''. [ Yet the entire website advertises them at the top of every page. ] This 'smells ' like a consumer deception to trick users into accidently requesting their free annual reports so the reporting companies can later charge {$15.00} bucks when those users have a valid need for their now-no-long-free annual report. 

It's at least disingenuous -- and probably fraudulent -- to allow any confusion about which report is being requested : free weekly or free annual [ which will cost you later, if you request it when you don't need ].

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 2024-09-29 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: AZ

Complaint narrative:
I recently noticed that TRANS UNION has 2 hard inquiries that did NOT belong to me. I have listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is deragatory to my account ( all of my accounts with XXXX and XXXX are in good standing ). I apy y bils on time and have worked very hard to make sure I have a good rating. My Trans Union score has NOT CHANGED in over a year. 

Additionally, they do not report all of my accounts to balance out this issue. What is going on with this agency? This is so defeating. 

Would you please help me fix this issue? I'm at my wits end with this agency. They are completely of no help at all.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report there is incorrect address information listed as I never lived at any of these addresses. The incorrect addresses listed on my credit bureau are listed below : XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX Florida 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is incorrect address information listed as I never lived at any of these addresses. The incorrect addresses listed on my credit bureau are listed below : XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: ME

Complaint narrative:
I keep getting text messages from a number claiming to be credit control and stating that they are trying to reach me and they include a suspicious link. How do they have my private cell number? 
How do they think its acceptable and professional to text someones private cell number instead of mailing anything? I have never received mail at my address in XXXX from XXXX XXXX. I also have not found anything on my credit report stating I owe them.

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 2024-09-29 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Sent check to pay off my car to Chrysler Capital XXXX XX/XX/year>. Check cleared my bank on XX/XX/year>. Waited for clear title. instead, around XX/XX/year> received " Notice of intent to Repossess ''. 
Contacted company at the phone number on the notice and explained that I had paid off the car in question. Then went to the bank to get a copy of the check only to find that it was eletroniclly deposited and they gave me a print out that showed that. I created a letter and along with the letter, I faxed a copy of the bank info and a copy of their notice to the fax number that was on the notice. Called them back to confirm they received the fax. 
Waited 48 hours and tried to contact them again only to find out that they no longer could find my account either by using the account number or the last XXXX numbers of my SSN. Before that attempted phone call, they had no trouble finding me. 
Have no idea what the status is at this time. I am worried that they are going to come in the middle of the night an try to take my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent a debt validation letter for the following accounts : Midland Credit Management XXXX {$500.00} acct # XXXX Midland Credit Management XXXX {$630.00} acct # XXXX XXXX XXXX XXXX XXXX {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX {$1100.00} acct # XXXX XXXX XXXX XXXX XXXX {$730.00} acct # XXXX XXXX XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$290.00} acct # XXXX XXXX XXXX XXXX {$650.00} acct # XXXX XXXX XXXX XXXX {$3400.00} acct # XXXX XXXX XXXX XXXX {$600.00} acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I have been a customer of Sofi Bank for 2 years and have always been able to deposit checks without any issues. My daily deposit limit was {$25000.00}. Recently, I received a check from my home warranty insurance company to cover the cost of fixing my air conditioner, which is currently out of service. However, when I attempted to deposit the check, I found that my limit had been reduced without any prior notice. This has never happened to me before, and now I am unable to get my AC repaired because the bank keeps lowering my deposit limit. 

When I contacted Sofi Bank to resolve this issue, they informed me that they reviewed my account and adjusted the limit based on the amount of money I currently have in my account. This is concerning, as my paychecks are regularly deposited into this account, and I also use it to pay my bills. I feel that this decision is discriminatory, and I believe it may be based on my income level and race.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: AL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 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: AL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>, I was scammed by someone claiming to work for bank of America for a total of {$23000.00}. 

Right after the transfer happened, I noticed online it said you can still edit or stop the transfer if you use a desktop computer. I do not have one so I immediately called BOA for assistance. I spoke with a XXXX who denied she could stop the transfer, although we both confirmed we saw it processing still and she was also the one to set up the claim. She asked for my address so she can mail my Scam acknowledgment forms and I confirmed my address 2-3 times with her. When I received the scam acknowledgment forms a couple days later I noticed that the form stated I lived at a completely different address Ive never heard of before. I did not feel comfortable signing. I ended up going to the bank on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXo speak to XXXX XXXX ( XXXX ). He spoke to three different people and finally got the right address on the forms. He also told me to come back so that they would send out the forms for me to ensure it got there safely. I was able to go back the following saturday to send out the forms, but the co-manager was working that day I didnt get to catch her name, but she walked over to the fax machine I saw her hitting all the buttons and she said she sent them out. Three business days later I called to check on the claim and they said that the papers were never faxed over so I decided to email them instead. sure enough they then got the papers. Why was this address on my legal bank forms? And why did the co-manager working that day not send out the forms for me when she said she did? 

It has been over a month now, and I am being told I need to wait 60-90 days for a response. A woman named XXXX from the complaint department on XXXX XXXX end, told me that theres nothing they can do and even hung up the phone on me as I was still speaking. No answers, no compassion, just left here completely broke. This awful situation is really starting to affect me in negative ways. I rely on that money to live my day to day life. I have worked my tail off for almost 20 years to save up that money. Ive been financially dependent since XXXX. I pay some of my mothers bills, I need that money back. Please!

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