vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Unjustified Lock, Poor Customer Service and Possible Discrimination Complaint Details : I am writing to file a complaint against Citibank regarding my Costco credit card, which was unexpectedly locked while I was traveling overseas, causing significant hardship for my family. 

While abroad on XX/XX/year>, I attempted to make a payment for a class that my XXXX  son would be taking once we returned to our home in XXXX. The payment failed to go through when I tried twice, so I contacted Citis customer service for assistance. Over the course of five calls and more than an hour of time spent on hold and speaking with a total of six different representatives, I was repeatedly told that my card should work and that I should attempt the payment again. However, the card was eventually locked, leaving me stranded in a foreign country without access to my credit card. On my last call, the rep told me because there were many rejected payments, I had to wait for a day. Unfortunately, my card didn't work the following day and I called the customer service again. This time, I was told that their systems were down. 

Upon returning home a week later, I called Citi again on XX/XX/XXXX to inquire about the issue. The treatment I received was poor, and I believe I was discriminated against because of my accent. The representative was very rude, hung up on me, and ultimately blocked my card program entirely. This behavior is not only unacceptable but also deeply upsetting, especially from a company of this global stature. 

My husband later called Citi to resolve the situation, and we were told that we would receive a letter and not sure what that letter would be providing. However, despite our efforts to resolve the matter, our card remains blocked. This credit card is essential for my familys grocery shopping, and we are now unable to purchase groceries at Costco, which is a critical issue for us.

Both my husband and I are responsible individuals with credit scores over XXXX and a history of timely payments. We have never missed a payment, and we find it incredibly disappointing that we are facing this kind of treatment, especially when we suspect it may be due to XXXX or XXXX XXXX  based on our accents. 

I am submitting this complaint to the Consumer Financial Protection Bureau to seek assistance in resolving this issue and to bring attention to the potential discrimination and poor service we have experienced.

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 2025-01-13 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-01-13 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: WI

Complaint narrative:
In XX/XX/XXXX, I signed a contract for the installation of a solar panel system with XXXX XXXX XXXX for my home. The terms were to pay {$63000.00} through XXXX XXXX XXXX XXXX XXXXXXXX ). The terms for the loan agreement include a promotional period that started upon substantial completion of the system installation. Generally, the promotion was a deferred interest loan. I complied with the information I was provided. I was provided with conflicting information that led to a potential misrepresentation of the agreed upon terms of the contract. XXXX indicated that payments started on substantial completion, determined to be XX/XX/XXXX and Mosaic indicated that the promotion started upon disbursement, XX/XX/XXXX. XXXX XXXX, substantial completion, was XX/XX/XXXX, making the promotional period until XX/XX/XXXX, while the contract indicates that the promotional period ends. Mosaic has failed to correspond with my multiple requests via phone, emails ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and multiple on their banking portal that I no longer have access to ), and letter ( XX/XX/XXXX ) and they have since charged me {$7000.00} in interest, even though I paid off the entire loan amount within the promotional period, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV/Resurgent Capital indicated a balance of {$1000.00} when I contacted ON XX/XX/year> directly to XXXX XXXX XXXX that balance was {$900.00} and Payable directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding 7 unauthorized hard inquiries that have been reported on my credit file. These inquiries were made without my knowledge, consent, or any valid contractual agreement, and they violate my consumer rights under federal law. XXXX has had multiple issues with breachs and I need it fixed so I can move on with opportunities that were taken from me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, hard inquiries may only be made with my written authorization. I have not provided consent for these inquiries, nor have I entered into any agreements with the entities responsible. As such, these inquiries are in violation of the FCRA, which mandates that only authorized and accurate information be reported on my credit file ( 15 U.S.C. 1681e ( b ).

Moreover, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), these unauthorized inquiries constitute a privacy violation, as they were made without my express permission and without a valid contractual relationship. The inclusion of these unauthorized and incorrect inquiries has caused significant harm, damaging my creditworthiness and denying me financial opportunities. The emotional and mental distress caused by this situation has been profound, as I have lost trust in the companies that acted as fiduciaries but failed to uphold their duty to act in good faith. 

I request immediate investigation and removal of these erroneous hard inquiries from my credit report, as they are unlawful, inaccurate, and detrimental to my financial well-being. These inquiries must be removed to ensure the accuracy of my credit report, as required under the FCRA and related consumer protection laws. 

I look forward to your prompt assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a formal complaint regarding 7 unauthorized hard inquiries that have been reported on my credit file. These inquiries were made without my knowledge, consent, or any valid contractual agreement, and they violate my consumer rights under federal law. XXXX has had multiple issues with breachs and I need it fixed so I can move on with opportunities that were taken from me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, hard inquiries may only be made with my written authorization. I have not provided consent for these inquiries, nor have I entered into any agreements with the entities responsible. As such, these inquiries are in violation of the FCRA, which mandates that only authorized and accurate information be reported on my credit file ( 15 U.S.C. 1681e ( b ). 

Moreover, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), these unauthorized inquiries constitute a privacy violation, as they were made without my express permission and without a valid contractual relationship. The inclusion of these unauthorized and incorrect inquiries has caused significant harm, damaging my creditworthiness and denying me financial opportunities. The emotional and mental distress caused by this situation has been profound, as I have lost trust in the companies that acted as fiduciaries but failed to uphold their duty to act in good faith.

I request immediate investigation and removal of these erroneous hard inquiries from my credit report, as they are unlawful, inaccurate, and detrimental to my financial well-being. These inquiries must be removed to ensure the accuracy of my credit report, as required under the FCRA and related consumer protection laws.

I look forward to your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX Friday XX/XX/XXXX at approximately XXXX I recevied an email notifcation that my acct was being accessed by a new device. It was not me, and so while I was calling the bank - I checked my mobile app and discovered that {$35000.00} had been withdrawn from my checking account. I was already on the phone to Chase so when they answered I explained that I was being robbed. They transferred me to Claims. I spoke with numerous people explaining that it was basically happening now - that somebody needed to look up my account and see what was happening. I received zero help. The following morning I went to my nearest Chase Branch, which is on XXXX XXXX in XXXX, NY. I explained to them what was happening- the withdrawal still said " pending ''. While I was there I discovered that it was an in person withdrawal which took place in XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The thief had used a fake id - and had ordered a replacement debit card- they withdrew {$7000.00} in cash and received a Bank check in the Amount of {$28000.00}. XXXX XXXX, Branch Manager in XXXX - informed me that only the XXXX XXXX could put a stop on the check, because only they had access to Check # ( Fraud Dept closed on weekends ). They have the address that they sent the replacement debit card to and a phone number. ( they also broke into my XXXX  and changed my phone number to theirs ) I spent hours in the bank, trying to get the XXXX branch on the phone, they never answered, my calls were directed to Chase Claims. I spoke first to XXXX Police, who visited me at the Bank, and they directed me to NY Police - I filed a report with the XXXX XXXX. I had XXXX patrolment visit my home on Saturday at XXXX. XXXX to the XXXX XXXX XXXXXXXX Monday XX/XX/XXXX, to discover that the check was successfully cashed - and also that the thief re-visited the bank on XXXX XX/XX/XXXX and withdrew another {$8000.00} from an account that I share with my ex husband. After all of my calls and frantic notice to Chase about what was happening they gave away another {$8000.00} in cash. To date, I have heard not one word from Chase Bank, all of my calls are met with tales of investigation but nobody will speak to me about said investigation. I have no idea when they will return my money or what they are doing to catch the thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I have received written correspondence from Hayt, Hayt, & Landau, P.L. with a XXXX rating of XXXX stars. I do not have any business dealings with this company. 

I am writing regarding your recent correspondence about a debt you ( Hayt Hayt ) claim I owe. To clarify, I have no dealings or signed agreements with your agency, nor do I wish to conduct business with you. Furthermore, I have previously requested to solely deal with XXXX XXXX XXXX  and XXXX XXXX regarding this matter, yet your agency has failed to respect that request. 

In XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In response, XXXX XXXX XXXX  provided the attached correspondence, which stated that I should direct any questions or concerns to them directly. 

In XX/XX/year>, I exercised my right to deal with the original creditor by mailing a money order to XXXX XXXX XXXX XXXX XXXX XXXX  cashed the money order on XX/XX/year>, as evidenced by the attached documentation. If XXXX XXXX XXXX  no longer has a financial interest in this account, why did they cash the money order? This raises serious questions about the validity of this debt and your agency 's right to collect it. 

To ensure clarity, I request that you provide the following information to validate the debt you claim I owe : XXXX. Proof of your legal right to collect this debt, including documentation of the transfer or assignment of the debt from XXXX XXXX XXXX  to your agency. 

XXXX. The original creditors name and address. 
XXXX. A detailed breakdown of the alleged debt, including any fees, interest, or charges. 
XXXX. An explanation as to why I was not provided with a receipt or acknowledgment when the money order was received. 

Until I receive the requested validation, I demand that you cease all communication with me except to provide the information above. 

This letter is not an acknowledgment of the debt but a formal request for verification. Please direct all future correspondence to me in writing at the address listed above. 

Thank you for your immediate 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 explanation