vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-28 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: MI

Complaint narrative:
PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 
US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to express my concern and frustration regarding the recent closure of my BJ 's One Mastercard and the confusion surrounding my identity verification. 

On XX/XX/2024, I received a letter stating my autopay was canceled due to a status change with my credit card account. Upon logging into the Capital One website, I discovered the account was closed, while my checking account remained active. I immediately called the XXXX number for the Capital One BJ 's credit card and learned I had been sent a letter requesting identity verificationa process I had already completed for my Capital One checking account. 

This caused considerable confusion. When logging in, the website displays all my Capital One accounts, leading me to believe verifying my information once would suffice for all accounts. I was unaware Capital One has separate banking and credit card divisions, and nowhere on the website mentions needing separate verification for each. This lack of clarity led to me unintentionally neglecting the credit card verification. 

I understand my responsibility to verify my identity upon request. However, the combined online platform and lack of clear communication regarding separate verification processes for different Capital One divisions resulted in this misunderstanding and the unfortunate closure of my credit card. 

This closure has negatively impacted my overall credit limit by {$12000.00}, potentially affecting my credit score. I have filed a complaint with a supervisor ( case # XXXX ) and requested a prompt resolution to reopen my credit card account and address this issue. 

Furthermore, the online customer service portal is currently inaccessible for my checking account due to my " restricted account '' status, further hindering my ability to manage my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I initially requested debt validation on XX/XX/XXXX, via certified mail. I provided specific documentation that I required, including agreements bearing the alleged debtor 's signature, insurance claims made for this account, any judgments obtained, and more. Unfortunately, Bull City Financial Solutions , Inc. replied with an inadequate letter dated XX/XX/XXXX, which did not meet the proper debt validation guidelines. Despite my follow-up request via certified mail on XX/XX/XXXX, they have failed to provide the requested documentation and have further violated the law by reporting inaccurate information directly to the credit bureau XXXX 

In order to support my dispute, I am attaching the following documentation for your review : 1 ) Their collection letter dated XX/XX/XXXX XXXX ) My letter dated XX/XX/XXXX, and the U.S. Postal Service certified mail receipt postmarked XX/XX/XXXX XXXX ) Their response letter dated XXXX, XXXX, XXXX, and the inadequate transaction summary I received 4 ) My response requesting the items I requested and the certified mail receipt postmarked XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a dispute for two {$500.00} charges and one {$1000.00} charge in my account because I had gotten scammed. The scammers sent me a check through the mail which cleared through my bank for two whole days which prompted me to believe it was a real check since the balance of my account reflected that. I filed this dispute on XX/XX/2024 and has been calling for any updates since no one has tried to contact me for any proof of the event and then I got a letter in the mail around XX/XX/2024 saying that I am not eligible for a reimbursement because my account reflected the transactions. First of all, I just opened my CitiBank account not even a year ago ; in fact I did not even have a XXXX account under the bank account until the same day I sent the money to the scammers. Second of all, I have never sent such large chunks of money out of my account ever since I opened it. And lastly, I have never received a check larger than my normal paychecks of {$1000.00} deposited into my account. I have explained the situation to multiple agents and they would promise to connect me to an agent but then they would hang up and I would have to call again and redo the entire thing. No one has ever reached out to me during this entire " 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 explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed that someone stolen my identity back in XX/XX/XXXX and tried to open the credit card with Home Depot. The credit card was issued by Citi Bank, which is working with Home Depot for their store credit card. I don't know why Home Depot/Citi Bank did not stop this from happening, and this person spent a lot money using this credit card under my name. 

I found out very quickly, and I called Home Depot to get this fixed just a week after this person opened this credit card, also reported to the local police. The police came to my apartment and collected all data I can provide to them. Then Home Depot fraud department confirmed with me over the phone that they have this handles and I am not liable for any of the money spent from that credit card. They told me I do not need to do anything, but just wait. If they need further information, they will contact me. I provided all my contact information to them so that Hope Depot fraud department can find me if they need further details. And I never got any message or follow up from the police or the Home Depot fraud department. 

Then this week in XX/XX/XXXX, a guy from Home Depot credit card department called me and asked me to pay the credit card because their fraud department is showing this case is still 'Pending ', and they do not have a 'Solid proof ' that this credit credit is not applied by myself. I told him that this is identity theft, and I already reported to the police and the Home Depot fraud department about this. But still, this guy from Home Depot still said I am liable for this bill.

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 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: WV

Complaint narrative:
I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXX my work as a XXXX XXXX XXXX is dependent on the Federal Budget and a lack of threats of US Government Shutdown, few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/2023. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/2023 ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.

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 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Beginning around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : 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 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had been behind with afterpay services and lost track of time due to a financial hardship. They also had an option on their site to apply with a hardship to explain my situation. Even after I did that I went online to another site to use after pay and they said I couldn't continue a payment with a new company until I paid my left off amount that had been due from 2023. I completely paid it off and it had popped up saying that I couldn't use their services due to making a decision to completely close my account. I had wrote them immediately after trying to purchase something with it telling me one thing, then telling me something completely different after paying my complete debt off. 

I have wrote them and they are refusing to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Keep getting numerious calls that call either early mornings or late past XXXX XXXX. They have yet to provide proper documentation for proof of agreement with my signature or contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: 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. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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:
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. 
XXXX XXXX XXXXXXXX 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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Kept getting repeated phone calls about this issue being my debt, but I have no knowledge of it

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 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I asked my mortgage company to prove that they lent me the money for my mortgage and they were not able to do so under the truth in lending act, so i'm requesting that they send me a remittance so I can pay the outstanding balance from my personal bond issued when I became a US citizen.

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 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IN

Complaint narrative:
On XXXX XXXX I submitted the information that XXXX requested. I had to buy a fax app to submit the information because their website did not work for the card. I spoke to 2 representatives again on XXXX XXXX trying to get a replacement card. They told me to upload information to their website which I tried numerous times and it would always give me an error. I explained that and they told me they cant fix the website so I would need to again pay to fax them the information. I told them Im not paying more money to send them information again about the card that they shut off and I paid for. I asked them to have someone call me back that could help me and they hung up.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc.
State: IL

Complaint narrative:
I was unable to access my Email account when I purchased a new cellphone. Every effort to contact Kickoff to pay on my installment plan failed. I paid 100 % on time prior to this technical issue. I requested that Kickoff Lending delete the negative information and restore my credit score because the FCRA requires a consumer to get a statement and a method to get customer support to make payments. 

Any assistance you can provide is appreciated. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation