vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCalla Raymer Leibert Pierce, LLC
State: IL

Complaint narrative:
My Deceased Ex Husband passed away on XX/XX/XXXX. His Mother who is now Deceased on XX/XX/XXXX of XXXX, we both contacted his Mortgage Comp. { XXXX } on his Death on the XXXX of XXXX. I have a letter from them that I'm not a party of interest nor Heir. { Ex-Wife } I'm not a cosigner/co borrower, not on Home, not on Taxes, nor an Executor of Estate, nor successor, nor Deed/Title on nothing. For 15 Months They called me on my phone, and they got Verbal. XXXX kept my number and gave it to their Attorney then they called. I filled Bankruptcy XXXX XXXX someone in my Attorney 's office contacted them why I don't know? Mortgage Comp. 's Attorneys put in a motion of Abandonment. Mortgage told them I was an Heir? But on a Doc 63 Mortgage Attorneys put in had My Deceased Ex Husband 's Address and mine is missing I never lived there that is Fraud. Then Withdrawn it after the Trustee Objected, if they can prove I was an Heir and Trustee would take the home and sell it and pay the Creditors { XXXX. } Mortgage. XXXX said no and had their Attorneys withdraw motion to make it look legal on the address but Illegal then I found out that the Attorneys had a Lawsuit filed before court for payment on Deceased home that I don't own. If the Trustee or the Judge didn't grant them their request or let the Attorneys change my address. Letting you know about their harassment and intimidation. And aggressive and deceptive practices all parties should be held accountable and is a violation of my rights. I'm not responsible for this Debt. The parties Involved are Attorneys McCalla Raymer Leibert Pierce , LLC and XXXX XXXX The Deceased never remarried no children he was single an unmarried man I also told all parties above in a Certified letter this matter is closed do not contact. Father is Deceased, Mother Deceased, Cousin who moved his stuff out of home XXXX, Aunt and Uncle Deceased old age, don't know where widow of Cousin is, or his XXXX daughter live and don't know their names. I am the victim in this mess. The Ex-Wife has the right to say NO on the home and they didn't take NO for an answer. They sent someone after me in a secured building you need a pod device to get in that person Trespassed. This happened 3 times and once in a car trying to hit me. same person on video in car. and building belongs to HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Made payment on XX/XX/XXXX in and amount of {$41.00} and received confirmation number from customer service. I have had problems with this company in the past for the very same reason. Two ( 2 ) weeks ago I was contacted by Citi that the payment wasn't made. I gave them the confirmation number and they said that the account from XXXX XXXXXXXX XXXX  had insufficient fund. In XXXX XXXX XXXXXXXX, I changed banks to XXXX XXXX and notified them immediately and have made monthly payments since that time. For some reason they can not understand this information in spite of my repeating the above-mentioned information several times in the past 2 weeks to include 4 phone calls from them today. I'm exhausted with them and have cut up my Citi Bank credit card and will continue to make timely, monthly payments minus the ridiculous late fees they have added. I truly don't understand why they don't understand that people change banks. I also don't know how times I am expected to tell them about the confirmation number for the XXXX payment and continue to give them the new bank name of XXXX XXXX while they are trying to get money from XXXX XXXXXXXX XXXX which I told them I closed in XXXX of last year. Thank you for any assistance you can give me. I am blocking their phone number and email because I don't know how many more times I can explain this.

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the pandemic 2021 the credit reporting agency experian aloud you to receive and monitor your report for free each month. Somehow I was upgraded to receive reports from all three credit reporting agencies I never authorized this. When I noticed it 9 months I had been getting billed for the upgraded the whole time. I contacted them and they reimburse me for two payments. I was told to contact my bank to receive the remaining balance. The bank credited my account with {$250.00} and 3 or 4 weeks later the bank took the {$250.00} back. I was informed that to much time had passed before I call to inform them of this unauthorized transaction. My bank is XXXX XXXX I'd like to see if I can recover this from the bank or 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 monetary relief
Consumer complaint received 2024-02-24 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: MO

Complaint narrative:
The account in question ( XXXX XXXX XXXX ) does not exist on either of my credit reports. And I Never had an agreement or contract with Any company called XXXX. 
No documents were ever sent to me either.

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 2024-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.

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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One shut down two credit cards I had with them, and cashed out my reward points at 50 % of their value. Specifically, my Capital One Venture One card ending on XXXX had XXXX points that were cashed out as a " cash back reward '' for {$900.00}, causing me a loss of {$900.00} compared to " travel reward '' redemption option. My Capital One Venture X account ending on XXXX points were also cashed out as a " cash back award '' at 50 % of their value {$550.00}, likewise causing me a loss of {$550.00} compared to " travel reward '' redemption option. Additionally, I paid a {$390.00} annual fee for the Venture X card on XXXX XX/XX/XXXX, and Capital One Customer Service refused a full or pro-rated refund after the associated credit card account was shut down in XX/XX/XXXX. Thus, the total loss of my reward points value and annual fee equals {$900.00} + {$550.00} + {$390.00} = {$1800.00}. I can add that I always paid my Capital One bills on time and have excellent ( XXXX ) credit score, and I even have no issue with Capital One not wanting me as a customer as of last year. But theft of half of my accumulated rewards and at least half the value of the annual fee that I paid on one card is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My wallet was stolen in 2019 and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of XXXX XXXX XXXX. Further furnishing account in direct relation to identity fraud is in violation of XXXX XXXX XXXX XXXX I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred

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 2024-02-24 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: OH

Complaint narrative:
incorrect name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I noticed charges on my Truist credit card that I've never used before. First charge that happened on XX/XX/year> was {$400.00} and the 2nd charge that happened on XX/XX/XXXX was {$820.00}. Both of the charges were made for XXXX purchases. I called the Fraud department XXXX to notify the charges I didn't approve of and request to close the account. The person on the phone told me that the account is closed and the charges on credit should be disclosed. Then on XX/XX/XXXX the account that was supposed to be closed reappeared on my online accounts with interest fees. I called the Fraud department again and they said that the person I talked to back on XX/XX/XXXX didnt file the fraud claim. I asked for the reason and they couldnt provide the proper explanations. They told me that the claim will be submitted. And the charges and interest fees will be disclosed. I asked them when the claim will be finalized. They said they are not sure. After the phone call ended, the credit card account disappeared from my online accounts. Then on XX/XX/XXXX, the same credit card account appeared again with the same charges and more interest fees. I called the same department again and they said that the claim is still pending and I have to wait until XX/XX/XXXX to hear the result. They also told me that if the case didnt get resolved, call this number again. And if its possible, try to make a minimum payment. Why should I be making any payments on charges that I didnt approve of? And this whole case happened back in last year of XXXX and I dont see any reasons to take this long to respond. Each time I called the department, they gave me different answers. They are either clueless or just hang off on you. Truist doesnt care about their customers at all. And I am afraid that this case won't get resolved. Please let me know.

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 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Ability Recovery Services LLC placed a negative account-bookmark on my credit report. Ability was contacted to verify debt via certified XXXX mail. Response received ; however, information was vague and bogus concerning a medical bill. First of all, it shows the exact amount of {$980.00} duplicated and charged twice possibly to collect more money for an unknown charge. Second of all, if the information is correct, the date falls during XXXX Pandemic, and XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 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. Not just information is accurate, and Ability failed in providing a detailed information about the medical bill. The letter of response included an incorrect address and phone number for me. The letter did dot provide any itemized details of why I am billed twice for the same fake account. 
I request Ability Recovery Services LLC to delete wrong information sent to credit bureaus. These charges are fraudulent and against the law.

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 2024-02-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with XXXX XXXX XXXX, this creditor has violated my rights under XXXX XXXX XXXX XXXX, XXXX  XXXX states I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it also states a consumer reporting agency can not furnish an account without my written consent. Under XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
I am writing to file a formal complaint against [ American profit recovery ] for their egregious violation of consumer rights as outlined in several key consumer protection laws. They have failed to adhere to the regulations set forth under the Consumer Financial Protection Bureau ( CFPB ). 

Firstly, [ American Profit Recovery, ] has neglected to provide validation information as required under XXXX XXXX XXXXXXXX ( b ) ( XXXX ), yet they have proceeded to place a collection on my consumer report. This blatant disregard for regulatory requirements has resulted in unjust damage to my credit profile. 

Additionally, I have not been afforded the opportunity to dispute the account in question, a fundamental right granted to consumers under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This lack of transparency and procedural fairness further compounds the injustice perpetuated by [ American Profit Recovery ]. 

Moreover, it has come to my attention that [ American Profit recovery ] is engaging in deceptive practices, including false, misleading, and misrepresented information. Such conduct not only violates consumer trust but also undermines the integrity of the financial system. 

Furthermore, [ American Profit recovery ] has unlawfully furnished account information to consumer reporting agencies without providing the necessary disclosures mandated by law. This egregious violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) demonstrates a blatant disregard for regulatory compliance and consumer protection. 

In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement actions against [ American Profit Recovery ]. I also request that the Bureau intervene to rectify the unjust damage done to my credit profile and ensure that [ American Profit Recovery ] adheres to all relevant consumer protection laws moving forward. 

Thank you for your attention to this matter. I look forward to a swift and just resolution of this dispute. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NC

Complaint narrative:
Per the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Bankruptcy XXXX XXXX  Docket Identifier XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB/QVC XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. SYNCB/QVC  ( XXXX Credit Card ) Date of Inquiry XX/XX/22. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable. I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX ************ {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief