vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EXPERIAN, XXXX AND XXXX and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given EXPERIAN, XXXX AND XXXX my XXXX instruction to 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 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 2024-06-09 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: TN

Complaint narrative:
Account is connected to wrongfully created account. Opened without my permission! It is affecting my report

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 2024-06-09 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:
I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On Wednesday XX/XX/XXXX, Capital One suddenly put a freeze on my account for suspicious activities. I called them and after an hour, was told that I had accurately verified everything and the freeze would be lifted. however, they never lifted the freeze and I have spent over XXXX hours on the phone with various customer service people and no one knows how to lift the restriction from my account. They tell me the restriction should not be hapening and the problem is on their end, however they have denied me access to my funds. I have bills to pay, taz payments to make and can not do any of that. This is causing me financial penalities, along with professional embarrassemnt and emotional distress. Overall, response from Capital One staff is unsympathetic and cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TN

Complaint narrative:
Account is connected to wrongfully created account. Opened without my permission! It is affecting my report

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 2024-06-09 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: TN

Complaint narrative:
Account is connected to wrongfully created account. Opened without my permission! It is affecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
I am writing to formally notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( w ), by your credit reporting agency. I demand immediate correction of the inaccurate information and compensation for damages as stipulated by 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 non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
They have stolen {$1500.00} at this point. I REFUSE to pay them again. They stopped applying my payments halfway through the billing cycle and didnt send the checks back, they claimed the shred them. That money is not in my account and supposedly never hit theres. This is improper. They then asked me to send a duplicate payment to a different address with different account numbers and the persons who can barely speak XXXX assured me this was correct. Like an XXXX, I tried it. It has not been applying. They are racking up fees onto the account. Ridiculous. I am NOT paying this in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was wrongly charged by a pizzeria on XX/XX/year>. The next day I called Capital One to request a refund of the amount, the same was credited to my account but 30 days later I was charged with the claim that there was no refund authorized by the restaurant and that I should contact them. I tried for several days to call or find the website or address of the place without any success. I explained that it was a company without the capacity or availability of access for customers. I was ignored and charged XXXX for a service that I did not receive and I had to pay my bill which was higher than planned for the month, causing me to lose points on my credit score. I just want my money back, that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens bank manipulated my transactions causing an overdraft fees in the amount of {$140.00} on separate occasions. On XX/XX/24 {$35.00}, XX/XX/24 {$70.00}, and on XX/XX/24 {$35.00}. They charged a {$35.00} overdraft which caused more overdraft fees to be accumulated when I had the funds to cover my transactions. Citizens gives a credit on my account when I deposited my check. I called the bank in regards to those transactions and put a complaint into the Office of the customer department and haven't heard anything. My case # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
Companies : XXXX, Equifax, and XXXX credit bureau. 

I have pulled my credit with all three bureaus and sent each a letter disputing inaccurate information. It has been over Thurs days since each bureau was sent a letter of dispute and no actions have been taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CIBC BANCORP USA INC.
State: CT

Complaint narrative:
It is about the CIBC US Agility Savings Cash Bonus Promotion. 

According to the terms listed by CIBC US " In order to qualify for an account bonus, you must increase the current balance in your CIBC Bank USA ( CIBC ) Agility Savings account by depositing funds of {$25000.00} or more of New Money ( defined below ) from an external bank between XXXXXXXX XXXX ET on XX/XX/XXXX and XXXX XXXX. ET on XX/XX/XXXX ( the Funding Period ). The New Money must remain in your account until XXXX XXXX on XX/XX/XXXX ''. 

On XX/XX/XXXX, the " current balance '' in my account is {$1400.00}. 
On XX/XX/XXXX, I deposited new money {$50000.00} to my account from an external bank, which increased my balance to {$51000.00}. 
The New Money remained in the account through XX/XX/XXXX. 

As described, I have met the terms of the promotion and should deserve a {$500.00} bonus. However, I called the CIBC US bank and was told that I did not meet the requirements because they calculated my " current balance '' with the statement balance of XX/XX/XXXX, in which I have more than {$51000.00}. They argued that I moved the money out first and re-deposited it back to the account. 

CIBC US does not define " current balance '' in the terms properly so it is not an excuse for them to refuse to pay out the deposit bonus to customers. Besides, the money I moved before the deposit is a " wire transfer '' to a lawyer, which is used to pay the downpayment of my house, which can be confirmed by the lawyer and the account activity. There is no way that " I moved the money out first and redeposited it back to the account ''. 

CIBC US should fulfill the terms and pay out the cash bonus to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an incorrect and fraudulent entry on my XXXX credit report. Below are the details of the disputed entry : Creditor : Credence Resource Management Original Creditor XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Status : Collection account, past due as of XX/XX/XXXX I assert that this account is not mine, and the information reported is inaccurate and fraudulent. I have never opened an account with XXXX XXXX XXXX nor have I authorized any transactions with Credence Resource Management. The account was fraudulently created and does not pertain to me in any way. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter thoroughly. I am seeking the immediate removal of this fraudulent account from my credit report. Enclosed with this letter are copies of my identification and supporting documents to verify my identity and substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: LA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.

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 2024-06-09 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: VA

Complaint narrative:
I have a collection account from XXXX on my credit that was placed on my report and background reports due to identity theft. I have filed 2 police reports so far as well as an identity.gov report. I have also sent a copy of the reports to Experian, but this still remains on my 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 2024-06-09 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: U.S. BANCORP
State: AL

Complaint narrative:
This is the second time I have ever had issues with my US Bank credit card being declined. The first time was when I disputed a charge where XXXX went into my bank account and took money from me AFTER I had returned an item in perfect condition. 
There is a clear pattern - US Bank " punishes '' people who start disputes against companies by then blocking the use of their credit card.

I just filed a payment dispute with US bank regarding XXXX - so of course now my credit card has stopped working and when I use it it gets declined and says " suspected fraud '' - which is just delightful when that's yelled out at the cashier 's counter!

The first decline happened a couple of days ago - but of course US bank lied to me and said they didn't do anything. Although I received an email from the company whose payment was denied stating my credit card denied the payment.

US Bank refused to take any accountability with the issue, and the issue was NEVER resolved. So I don't have protection on my computer right now because of US Bank. Thanks so much! 
Today, my credit card was declined AGAIN because US bank has put a block on my account that they are denying they put out of retaliation. 
I tried to pay at the check out counter and the cashier yelled out there's a fraud alert. 
He turned his computer around and let me see where it CLEARLY said " attempted fraud ''. I tried the card again - same exact thing - attempted fraud.

I then try a different card - mind you this is still the same transaction it had not been canceled and re-rung- magically that card went through with no issue.

I came home and furiously called US Bank - in today 's society - I could have been XXXX XXXX XXXX because of that XXXX XXXX XXXX Bank has put on my card. 
What if the police were called? What if a XXXX  decided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
You are literally, and intentionally, putting people 's lives in danger and it will be documented! 
There are real repercussion when you flag a F***ing Account as FRAUD, US BANK !!! 
The US Bank employee lied to me again- and they said oh it was the card readers fault- no it wasn't. The card reader worked fine when I used the other card. 
This is more XXXX  lies from US Bank employees. 
I am contacting ever XXXX government org that oversees you. 
You are not going to embarrass me and put my life at risk as retaliation because I'm making you do extra work by reversing a charge.

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 2024-06-09 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: LA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.

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 2024-06-09 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: LA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
15 U.S.C. 1666b ( a ) Time to make paymen

ts 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-09 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of XXXX XXXX XXXX ( XXXX ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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