vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/2023 I purchased 2 tickets for " XXXX XXXX XXXX XXXX XXXXXXXX '' for Saturday XXXX XXXX through XXXX in the amount of {$280.00}. Mind you I am almost XXXX XXXX XXXX and have always purchased through XXXX and this company advertised almost exactly the same, however after the purchase ( which I also found out later was double the cost of what the tickets should have been ) I received nothing from this company through my email or texts. I DID check all of my email folders like SPAM and JUNK and still NO TICKETS. I paid for these with my ( Old Navy ) Navyist Rewards Mastercard account ending in XXXX. I tried reaching out to XXXX through a 800 number where I was told they could not help me and I needed to contact my credit card. Since then, I have called numerous times. The first time I wrote down that I had called was on XX/XX/2023 I spoke to a " XXXX '' where I explained I had NOT received any tickets. I was given a case # XXXX and told to try the merchants # again which the gave me as XXXX and that they too would look into the matter. Proceed to XX/XX/2023 where I received a letter from Barclays/old Navy Credit Card stating they have notified the merchant and they are waiting for a response. On XX/XX/2023 at XXXX I again called the credit card and spoke " XXXX XXXX and she proceeded to tell me that the merchant ir providing them proof that I had received the tickets and they would be sending me copies of this " proof '' and that no refund would be issued at this time. They could not tell me how or through what means I supposedly received the tickets but that they would be sending me all the info. Which has never happened. I am beyond frustrated, I have been a great customer not only with this Credit Card but with all of my credit card companies. My credit score will reflect this. I also, am on a fixed income and this was suppose to be a present with my XXXX  that she never got and I am out almost {$300.00}. Please help me with this. I NEVER RECEIVED AND USED THOSE TICKETS.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2024, I found that my Social Security Number was compromised due to a scammer using my SSN to open an account at Regions Bank. I immediately called Regions Bank, and expressed my issue. 

They hung up on me. 

I called XXXX more times and again expressed my issue. They asked for my name and mySSN, then told me that they can not close the fraudulent bank because they can not verify who I am. 

However, if you are a scammer, the bank easily opens an account for you. Regions Bank is failing to verify SSNs to open an account, but are not allowing law-abiding citizens to close those fraudulent accounts. 

I would like to report this bank and have the fraudulent account closed immediately.

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 2024-02-26 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: CA

Complaint narrative:
I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.

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 2024-02-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my XXXX time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with XXXX XXXX. As I am sure that you are well aware, current XXXX XXXX XXXX states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely XXXX information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I XXXX is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the XXXX that you have in your XXXX that you used to verify the XXXX accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the XXXX XXXX and the remedy available to me for XXXX XXXX ( Section 617 ) if you fail to comply with this XXXX Law. I am a XXXX consumer and fully intend on pursuing XXXX in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; AMOUNT IN XXXX XXXX IS ORIGINAL XXXX AMOUNT I will also have your company investigated by the XXXX XXXX XXXX ( see 15 USC 41 , et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the XXXX and the XXXX XXXX XXXX, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your XXXX XXXX. Failure to respond satisfactorily within XXXX days of receipt of this XXXX letter will result in a XXXX XXXX action against your company. I will be seeking XXXX in XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, I would like an XXXX copy of my credit report once this investigation is complete. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The following dispute is required of your attention. 
This information is being reported inaccurately and is required to be removed. I have attached correspondence from XXXX as well as Bank of America stating is account was closed with no fraud activity. This information has been removed on chexxystem report as of XXXX. Please update this information on XXXX XXXX to reflect as such.

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 2024-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a business owner and have been working with XXXX bank to refinance XXXX of our XXXX XXXX. In doing this XXXX pulled our credit report on XX/XX/24 and we ( both my XXXX and I ) have been receiving calls non-stop from other XXXX XXXX for our XXXX. We have received XXXX calls this XXXX alone. Both my XXXX and I own our own XXXX and can't afford to ignore calls we don't recognize. I'll share the XXXX XXXXt from the XXXX one, XXXX XXXX who says ( XXXX XXXX direct XXXX ) they were sold this XXXX XXXX  information from EXPERIAN. My complaint is directed at EXPERIAN. This has to stop and can not be legal. I didn't authorize the sale of our XXXX information. Please advise.

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 2024-02-26 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AZ

Complaint narrative:
I can only choose one option when at least 3 of the options apply here. IQ Date International is the company at XXXX. My son defaulted on the very last month of his lease. The XXXX XXXX XXXX XXXX XXXX added 2 more months of rent which took the balance all the way up to {$4800.00}. The collections company IQ Date International called me the week of XX/XX/year> and I offered to set up a payment plan of {$1000.00} a month. The lady ( XXXX or XXXX XXXX was very condescending and rude and said that I should have already taken care of it and that they do not set up payment plans and said I need to apply for several loans until I am approved in order to pay it off. I called back today, XX/XX/year> and spoke with XXXX who also was very condescending stating I knew I owed the debt and asked why I didn't pay it. I told her I don't have {$4400.00} to pay all at once or I would and that I can pay {$1000.00} a month starting tomorrow. She said again, they don't accept payments and that I need to apply for loans until I am approved in order to get this taken care of. The fact they are trying to force me into applying for several loans is unfair as hard inquiries on your credit bring your credit score down, additionally, the liklihood of me receiving a high interest loan is high. They also said they have it in a " refusal to pay status '' when not once did I ever state that I am not paying, in fact I did quite the opposite with trying to set up a payment arrangement of {$1000.00} a month. I should not be forced into taking a high interest loan when I am offering to pay {$1000.00} a month. Additionally, during the call XXXX started yelling at me at the top of her lungs in a very condescending manner while I was trying to explain something to her and wouldn't let me talk. She finally got me to the point where I was also yelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Self Financial Inc.
State: NJ

Complaint narrative:
SELF /XXXX  XXXXXXXX XXXX - opened XX/XX/XXXX SELF /XXXX XXXX XXXX - opened XX/XX/XXXX SELF FINANCIAL/LEAD BANK - opened XX/XX/XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation of 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. 

I requested addresses be removed from profile where I've never resided to prevent erroneous information from being furnished to my report. This issue still hasn't been resolved.

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 2024-02-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XX/XX/2024 {$97.00} XXXX XX/XX/2024 {$230.00} XXXX XX/XX/2024 {$450.00} On XX/XX/XXXX I contact card company to let them know that there were fraudulent charges on my card. The card company requested that since I do use XXXX to prove that I used a different method of payment for my personal accounts. On XX/XX/XXXX, I sent via USPS tracking number XXXX, four months of another credit card that is used to pay my XXXX bills to this credit card company as proof that they were not my XXXX transactions on their card. 

On XX/XX/2024 I received a letter stipulating I did not send them the information and they would not be crediting my account.

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have received numerous calls from this company, Harris and Harris, LLC from different numbers on weekends and also at my employer. I have asked for written documentation of debt and have yet to receive anything but the calls are still being made. I have asked them not to call me repeatedly but they do anyway. Now they have started contacting me at work. 

I don't even what debt this collector is trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-26 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: TX

Complaint narrative:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift 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 2024-02-26 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: TX

Complaint narrative:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
On XX/XX/XXXX I sold my trailer to Buyer... I have a bill of sale and AZ ADOT Release of Ownership/Sold Notice. On XX/XX/XXXX I received Letter from Linebarger Goggan Blair & Sampson LLP ( Attorney At Law ) stating on XXXX there were 2 violations # XXXX and # XXXX for {$6.00} each that I owe with additional fees. I did not own this trailer after XX/XX/XXXX. I have certified mailed and faxed to LGBS all documents as a rebuttal on XXXX XXXX after making several phone calls to them between XXXX XXXX and researching documentation to be sent to them on XX/XX/XXXX, I made several calls to LGBS asking if they received and reviewed the documents. I requested they send me documentation they have dropped these charges as I also included DELDOT documents showing the charges were paid by new owner. LGBS now on XX/XX/XXXX are sending me a letter that claims no one with this firm has reviewed the particular circumstances of my account. But included another letter saying I owe them once again! Once again... I did not own this trailer at the time of the charges and did not incur the toll charges and documents have been sent to LGBS as proof of this. I want them to cease and desist as if they would review what I have sent them I would not be spending more of my time and they would not be spending their time either! If you need the documents I am happy to send them to you for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> my Capital One Savor One credit card was charged by XXXXXXXX XXXX XXXX for {$1400.00}. I was dissatisfied with the XXXX product and returned it to XXXXXXXX XXXX XXXX via merchant provided return shipment, aligning with their 30-day free return policy. However, to this date ( XX/XX/year> ), I have been unable to get a refund from XXXX despite the completed return. On XX/XX/year>, I asked Capital One to step in to help and they sent me a form to fill with additional information. I filled the form and returned it to Capital One both via Fax and USPS ( odd that they do not offer online upload or email option, but guess for some reason it has to be done the hard way with Capital One ). On XX/XX/XXXX, Capital One acknowledged that they have received the documentation but that it does not have information needed to assist with the claim, which is odd because I answered each and every question on the form presented by Capital One. As a result, I am still being charged for a product that I have returned and that should have been refunded, but Capital One is unwilling to step in and help with the transaction. Hoping that this CFPB complaint would help to reach someone that can actually take a look at this and assist. For reference, the case number at Capital One should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Section 605B

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