vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-07-30 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: IL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My wife and I signed up for a XXXX Capital One card that was supposed to give me 5 % cash back on all purchases at XXXX stores and XXXX for the first year. I got the card in XXXX 2024 and like a month later, Capital One is notifying me that they are terminating their deal with XXXX and will not longer honor the 5 % cash back I was supposed to get. I signed up for this card only for this offer and took a ding on my credit score which could cost me money on other things I buy and after only about a month of having the deal, I am getting screwed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
DEAR SYNCB/AT HOME XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-30 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: REGIONS FINANCIAL CORPORATION

Complaint narrative:
I have been banking with regions bank for XXXX XXXX or more, never had a problem until i moved and decided to cancel my phone service with team mobile as the cost per month was over {$100.00} per month, then i lost access to my email address will XXXX because my computer crashed and XXXX would not let me get it back. as i am XXXX XXXX XXXX my social security goes to this bank. i am XXXX overseas now because its much cheaper. regions then told me i had to have a address in the usa as i used my brothers address but when i tried to log on it said sorry much have a local phone number to access your account so i got one and they still will not let me log in.

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 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Dear LVNV Funding LLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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 XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX 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 CXXXXe XXXX 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 XXXX  days to be removed. 


They are not in compliance with the following law. XXXX USC XXXX 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! 


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


XXXX XXXX  & XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 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 2024-07-30 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: CA

Complaint narrative:
I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company XXXX be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, 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 non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened a checking account with Citibank on XX/XX/year>. I deposited a check and set up my direct deposit with them on XX/XX/XXXX. On XX/XX/XXXX I logged in to check if my check was deposited and received an error to try again later. After several hours of trying to access the account I called Citibank to get help accessing. They told me I would have to wait XXXX hours or I could call the next day. I called the next day being Friday XX/XX/XXXX and was told my account was closed and they couldnt give me anymore information. They refused to give me an answer to why the account was closed or if they received my money. Afterwards I contacted my payroll department for help my employer explained that the direct deposit was completed and deposited to Citibank. XXXX suggested I call Citibank again and have them reverse the direct deposit. I called Citibank again that same day and was told they dont see the direct deposit yet and XXXX have to call back Saturday between XXXX and XXXX as they are open. I called back Saturday the XXXX at XXXX am and was told that department is not open on the weekends and XXXX have to wait for Monday to call. I called them Monday morning at XXXX for an update and was told the funds are still not showing in the account so theres nothing they can do. I was told now XXXX hours and weekends dont count so I need to check again tomorrow. I called today XX/XX/XXXX at XXXX to hopefully get this resolved. The representative told me the funds are available in the account as of yesterday the XXXX but due to the account being closed I wont receive a check of my funds for XXXX days. I explained what payroll told me to have them reverse the funds or transfer to my other account and refused to help in anyway. I finally asked to speak with a supervisor and she transferred me. Once I was speaking with the supervisor she told me that only my payroll department can reverse the direct deposit or I have to wait XXXX days. I told her that they said because Citibank accepted the deposit Citibank would have to reverse the funds. She finally offered another option to go into a local branch to get this resolved but theyre only located in XXXX  and I live in XXXX XXXX XXXX I was told again by the supervisor to have my employer reverse the deposit. I then talked to my employer and after getting payroll, rvp and head of hr involved they assured me that only Citibank can reverse the funds they accepted or transfer them to another account. Ive been stuck going in circles for almost a week with no help from Citibank. XXXX now in a financial hardship and unable to pay my bills as theyre set up to come out on my payday. I will continue to try and have Citibank send the money back to my employer but I dont see myself getting anywhere with them.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-07-30 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: FL

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-07-30 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: VA

Complaint narrative:
Dear Experian I am writing to bring to your attention certain inaccuracies that are on my credit report These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX. XXXX XXXX XXXX acct XXXX XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX. XXXX acct XXXX Please remove the addresses I dont live there or never did XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX kindly XXXX an immediate investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above.

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law.

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations.

Thank you in advance for your immediate attention to this matter. 

I have attached the proof of identification and address

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 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The atm pnc bank took XXXX from my account but didnt dispense the money and the atm has camera footage but they want use it as evidence to prove they didnt give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
This should have never happened nor gone to collection. I had talked to XXXX and things were up to date with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Approximately 6 weeks ago, I received an email from Bank Of America. The email stated that my automated payment did not go through because the ACH was not honored by the listed bank. This was due to my not using the credit card for over a year during which time I switched banks. The email also stated that my online payment ability would be suspended. I was provided with a phone number to call. I have called that number and the number on my credit card at least 10 times. Once I am able to convince the automated system that I must talk to a human, about 10 minutes, I am placed on hold. Often this hold time lasts for more than 30 minutes and, as happened today, at the end of this time the system hangs up. Last week, I was finally able to call and get a human. After 45 minutes the person transferred me to another automated system that could not rectify the problem nor could I transfer out of it. I tried again today to call and after 15 minutes was again hung up on. I have been able to " pay by phone '' but I still do not have online access to pay my bill. I attempted to send an email to the fraud department but have not received a response. They have no other means of communications.

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 2024-07-30 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 was reviewing my consumer report and noticed these frivolous items that do not belong to me

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