vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has been contacting me repeatedly or several years concerning a XXXX XXXX XXXX  XXXX XXXX account number XXXX with a balance of {$410.00}. I have on two previous occasions disputed this debt on my credit report. The result of that dispute was that the credit reporting agencies took their word for it it's valid. I wanted them to show proof that the debt is still valid. Because I have not had a credit card in over 10 years. I know that this account is way past the legal limit for it to be on my credit report or for a debt collector to be harassing me for it. They need to either show me proof that I owned this account within the last 10 years that I had actual activity on this account with XXXX XXXX during that time or they need to remove it from my credit report and leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-11-07 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2024-11-07 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: LA

Complaint narrative:
I am contacting you as a victim of identity theft and request the immediate blocking and deletion of fraudulent accounts appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these specific accounts removed from my credit file, as they were not authorized by me and are a result of identity theft. 
The fraudulent accounts in question are : Accounts to be Deleted : XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - XXXX - {$270.00} XXXX XXXX - XXXX XXXX XXXX - {$750.00} XXXX XXXX - XXXX - XXXX XXXX {$5000.00} Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, Transunion, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XXXX/XXXX/2024

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, XXXX, or Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There was a fraudulent charge on my credit card back in XX/XX/year>2024 in the amount of {$1200.00} at a XXXX 's superstore. The Citi Credit card didn't even send me a notification whether I recognize this charge or not and the charge went through. Next day, the fraudster charged another {$0.00} at an unknown gas station. Now, the Citi ( Mastercard ) sent me a text asking whether I recognize this charge or not. Immediately, I said that I didn't make that charge. Then, I went to my online account and I found out that the previous amount of {$1200.00} was also a fraudulent charge, which I didn't do. So, I cancelled my old card immediately and asked for a new card and recorded a dispute for that transaction. Now, after 6 months from that and after talking to Citi dispute department over 10 times ( and over 10-12 hours ), they still haven't refunded my money yet. I have talked with their security department, their fraudulent department etc - but of no use. They kept saying that they would let me know their findings. But, not only they never returned any call- they still hasn't resolved the matter. At this point, I am totally frustrated and ready to take a legal action against my credit card company. At a last resort, I wanted to notify this to CFPB with the hope that CFPB will be able to resolve this for me and I can get my {$120000.00} ( and with interest ) as soon as possible.

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 2024-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX name CAPITAL ONE Account # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-07 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
My credit card details have fallen into the hands of fraudsters. Some purchases were made on XXXX, which are not mine. My credit card account had XXXX charges in the beginning : XX/XX/XXXX - XXXX charges of {$73.00} each. XXXX XXXX {$73.00}. XX/XX/XXXX - {$73.00}. I reported this to the bank Ally on XX/XX/XXXX as soon as I discovered it. The card was blocked and a new card was issued. When I received the new card I saw that on XX/XX/XXXX fraudulent charges appeared after I contacted the bank and the account was blocked. The bank employee could not explain how it happened. XX/XX/XXXX : XXXX charges for XXXX $ each and XXXX charges for XXXX $ each. The total amount of fraudulent transactions is {$730.00}. I uploaded a screenshot of my XXXX account to the bank 's website, which shows that I didn't make any purchases in XXXX, and even in XXXX I didn't buy anything. I called the bank several times, but my problem has not been solved yet. I doubt the competence of this bank.

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 2024-11-07 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: MI

Complaint narrative:
I XXXX XXXX XXXX, A Victim of identity theft, request removal and deletion of the listed accounts on my Transunion credit reportXXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
in XX/XX/year> i have continuously tried to recover over XXXX from citibank and ive been extremely patient yet unsuccessful and told i would receive responses back and never have even 2 years later

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 2024-11-07 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: FL

Complaint narrative:
In according with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. State I have the right to privacy.

15 u.s.c 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXXtopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I did a mobile deposit on my new chase account. It stated that funds would be available the next day. This was on XXXX and the next day nothing I called XXXX and was told to give it XXXX more hours. I did and nothing. Finally I received a message that it wouldnt be available until XXXX I called chase and they said the only thing I could do was call the issuer of the check. I didnt that and they told me if I have a different account to cash it through that. So I cash it through a different account but then the funds would not go through due to XXXX placing a hold on that mobile deposit. Now it is XX/XX/XXXX and I have reached out to XXXX several times and went into the current branch that is by my home they said funds would be released today and they still are not. Now I got back a hold of XXXX for the review and they tell me they can do nothing until they can verify the phone number for the check issue. I had given them both phone numbers that are associated with the company that I received. The check from the lady said that they were closing my account on the XXXX. I dont care about that. I want them to release the hold on the check so I can go cash it somewhere else since they refuse to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not give any of these companies permission to access my credit report nor do I recognize these inquiries i want them removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to CFPB The response I got was " After researching your concern, we were not able to locate a Dillards account associated to you. 

Signed XXXX XXXX Escalation Rep. 

I can't change the information, they can't find any late payments so why would they purposely summit incorrect information to the credit bureau. 
I work very hard to maintain a good credit score and it's not fair that you would penalize me for your mistake. Please contact XXXX and tell them you have no history of my account being late

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 2024-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXX agreed to delete a debt off my credit report due to natural disaster of XXXX XXXX XXXX / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So TransUnion removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have several issues with Bank of America. The first is how long it takes them to handle simple disputes. The delay is solving has caused my accounts to be in a negative light. I have filled a recent dispute that should have been resolved in no more than XXXX business days. BOA is telling me that it could take up to 90 days and that is awful for a banking institution. The event in which I am expecting a refund for takes place in now XXXX week. This sickings me because I spent over {$570.00} for tickets and I really can't afford this type of loss. Other banks take XXXX business days to resolve BOA has had that XXXX XXXX already. Provisional credit for half the amount is unprofssional. Provisional credit and not full decision made is unacceptable. The event that I am disputing has changed without my permission, I agreed to the event on that date that was promoted NOT six months later during a holliday month on a date Im expected to work. I do not wish to travel during the month of XXXX I did not agree to an event that takes place at this time. Also their is poor sales on event that has caused ticket salers to sell tickets for XXXX percent less then what I previously paid for the tickets. 

XXXX. Issue is with the lates fee to my credit card, the app will make it seem as though the payment went through sucessfull however days later you learn you didnt pay at all and now have a fee... Well the chat implied that if I made a double payment bringing the account current he would reverse the fee. I paid than received an email stating the fee would not be reversed. 

#. The are charging overdraft fees to one of my accounts that is not set up to go into overdraft, also if BOA release my funds within reason I wouldn't be in position to receive overdrafts.

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