vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-08 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-08 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Account paid in full monthly on time. 
Purchased air conditioner on Target Red MasterCard and paid in full before due. Payment was over {$10000.00}, and that is reason they must put hold on my credit card? Ive spoken to my bank ( XXXX XXXX, ) and they released funds XX/XX/31 ; day after payment was made to Target Card Service. 
My credit card had been denied for no reason and WITHOUT notification causing hardship and embarrassment. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I am writing in response to a recent communication dated XX/XX/2023, regarding an alleged debt in the amount of {$9500.00} USD on behalf of XXXX XXXX XXXX XXXX XXXX. I am genuinely uncertain if this debt is valid and whether it pertains to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, XXXX XXXX XXXX XXXX XXXX. 
A copy of any contract or agreement signed by me related to this debt. 
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt. 
Proof that Kohn Law Firm S.C. is authorized to collect this debt in the state of Illinois. 
Any documentation that demonstrates I am legally responsible for this debt. 
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved. 

I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference. 

I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed. 

I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes. 

Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MI

Complaint narrative:
In XXXX of XXXX  I repeatedly attempted to get LexisNexis to delete my information, provide me a consumer report and the list goes on. I've also asked for online access and to remove a security freeze. They will do nothing. I have attached correspondence from XXXX  up through until today of these attempts with them. I want my report, I want deletion of information due to being a victim of XXXX  XXXX and I want access to my online portal. I keep providing them my id and it goes ignored. XXXX was the contact person who failed to help me. I've even sent them court documents but still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.

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 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I was denied my own use of credit which is discrimination according to Equal Credit Opportunity Act.

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 2023-11-07 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next XXXX  days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance to the fair credit reporting XXXX  account XXXX, XXXX, have violated my rights 15u.s.c 1681 section 602A states i have a right to privacy.

15u.s.c section 6042 it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-11-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Best Buy card didnt use it and I didnt receive any statements on my address for more than XXXX years. XXXX sent me message saying Best Buy closed with balance XXXX $ and Im not responsible for these transactions. I tied to open my account and I found different address not my new address and didnt phone number. I tried for more than two month calling the bank but no one solve it and they ask me making a payment for something I didnt use.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX COMPLAINT FILING AGAINST : XXXX, ARIZONA BofA BRANCHES I understand that Banking must remain fluid in/with the evolution of online more convenient options. BUT the level of customer service when people like me have no other choice but to go into a branch and to deal w/ the employees is disgusting. I have worked in Banking. I have many family members who work in Banking. I spent many years on the Mortgage side with XXXX XXXX XXXX XXXX. If we had spoken to people the way that BOTH branches in XXXX speak to people, we not only would have been fired but we would have been banned from working for any financial institution ever again. 
There is an arrogance that all of them display. Customers are not stupid. They trust their financial institution to guide them and help them with their hard-earned money. They have spoken to me on numerous occasions in the most condescending ways. I do everything I can to not have to go into a branch for any reason but as a hard-working individual with XXXX jobs, sometimes I do not have a choice but to visit a branch from time to time. No matter how much time passes, the visits do not get better. As a matter of fact, they have gotten worse. I try to give the forever changing faces in the XXXX branches the benefit of the doubt but its always a shocking disappointment in the end. Like, literally shocking! 
I think it is time to hire more seasoned financial professionals, or at least a more balanced age range in the branches. 
I have been w/ BofA for many many years but maybe thats the problem? Maybe it is time for a change. 
DO BETTER! 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ

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 2023-11-07 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: IL

Complaint narrative:
Back in XX/XX/2023 a representative called me to make a payment on my credit card. They asked me if I wanted to sign up for automatic payments & have a cheaper payment ( who wouldnt want a cheaper payment ) & make a payment for that month. The representative set up automatic payments but never made that payment as agreed. This closed out all the rest of my credit cards. Ive never had a late payment on anything on my credit in my life besides this situation with XXXX XXXX XXXXXXXX. So disappointed.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a claim with Regions Bank last month about some transactions that I am not familiar with.

Regulation E requires financial institutions to investigate and resolve errors in a timely manner, it also outline general timeframes, and the institution must generally complete its investigation within 10 business days of receiving notice of the error. If more time is needed, it can take up to 45 days, but the consumer must be provided with provisional credit during this period.

Although 10 business days have passed, Regions Bank has failed to credit my checking account ending in 0241. They are now in violation of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). I have been patient which Regions Bank, but they are required to operate in compliance to 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) when handling a consumers funds.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX Chime Financial, received my tax refund ( {$32000.00} ) that I have literally been waiting for 2 years due to delays and a typo I finally got a tax advocate who assisted me in filing an AMENDMENT XXXX which the irs received on XX/XX/XXXX and issued my refund for an original deposit date of XX/XX/XXXX which Chime revd earlier. I try to use my card and its locked I try to log into the app, but it says to contact review @ Chime. I instantly call them and soon as I get home send them everything from my ID front and back social security card, utility bill for proof of address, my XXXX form and my entire IRS TRANSCRIPTS ( why ask for my transcripts if youre going to XXXX and not READ THEM ) that list when the original return was filed and the amended return as well as the REFUND ISSUE DATE and INTEREST payment which XXXX be credited on XX/XX/XXXX into this same account as well soon!!! The REVIEW TEAM that only responds via email keeps asking me for a XXXX XXXX completed form that doesnt APPLY TO THIS DEPOSIT because I FILED AN AMENDED RETURN which is a XXXX on my XXXX Taxes!!!! Its bad enough Ive had to wait XXXX long years for my money and now they are causing even more of a delay to my XXXX XXXX especially at a time when Im pretty much homeless and dealing with a XXXX child. I need my account off hold IMMEDIATELY. IVE BEEN USING CHIME FOR MY TAX REFUND FOR 15 years now and never had a problem until now and what I dont understand is the XXXX IRS XXXX XXXX comes with my SOCIAL SECURITY # attached to it so please explain where the discrepancy is!!! These ppl have everything they need to clear HOLDS off my account but the lack in COMPETENCY AND LIMITED COMMUNICATION MAKES ME REALIZE AFTER THIS I NO LONGER WANT TO DO ANY BUSINESS WITH THIS ONLINE BANK! XXXX XXXX to using XXXX XXXX and XXXX XXXX ; chime was only used for the convenience of EARLY DEPOSIT not because I couldnt bank elsewhere. Now its the XXXX day for a XXXX bank & XXXX XXXX tickets open said it only takes XXXX to review & STILL NO ACCESS to my funds!!!! The redundant and incompetence of such a company dealing with my money is purely disgusting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I reviewed my credit report and found inaccurate information.

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 2023-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
On XX/XX/XXXX I received XXXX fake bills from professional collector corporation. And on the top of that they put XXXX fake bills on my credit bureau. I already made a complaint about this. I am doing it again to show proof. The bill thats dated XXXX there is no proof of this bill. XXXX sent the Wisconsin department of financial institution all of what we supposedly owe them. XXXX XXXX XXXX sent me with all of my bills XXXX XXXX XXXX XXXX  advice showing what my insurance company paid. According to these records I dont owe anything. My health insurance had an agreement/contract which by law you cant charge the patient anything. I am going to show you what they put into my credit bureau to the fake bills that they sent us. How they charged XXXX of the bills more than {$240.00} in interest in only 1 months time according to what XXXX sent to wdfi. This is my XXXX complaint. I will make as many complaints as I have to stop them from hurting other victims out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TN

Complaint narrative:
I found inquiries on my credit report 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
Consumer complaint received 2023-11-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I have been a discover card member since XXXX without issue. 

On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my card at XXXX XXXX XXXX XXXX XXXX XXXX. I have never purchased anything from XXXX XXXX XXXX. I noticed these on XX/XX/XXXX and called Discover right away to alert them to the fraud. The day after I alerted discover ( XX/XX/XXXX ), 4 more fraudulent charges came in from XXXX XXXX XXXX. The following day ( XX/XX/XXXX ), 4 more fraudulent charges came in ( again! ) from XXXX XXXX XXXX. I called discover again on XX/XX/XXXX inquiring why they are continuing to allow these charges to come in. They said that they made an error processing the original fraud alert. I requested to speak to a supervisor. They indicated a supervisor would call back within 24-48 hours. A supervisor never returned my call. I called back on XX/XX/XXXX to speak to a supervisor again. Again I was told 24-48 hours. Nobody returned my call. I called back on XX/XX/XXXX. Again, I was told 24-48 hours. Again, nobody returned my call. 

It appears that Discover has still not opened an investigation into this matter. Nobody returns my calls and I have no way of knowing what is going on with my account. To prevent further fraudulent charges from XXXX XXXX XXXX, I was forced to close my discover card on XX/XX/XXXX. 

I am very disheartened to see that discover does not investigate fraudulent purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2023-11-07 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Enclosed, you will find the documents. I'm requesting that the bureau commence an investigation into these accounts, which erroneously indicate late payments on my part, even though I have consistently paid on time.

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 2023-11-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation