vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-26 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:
I have been a victim of identity theft. My information was used fraudulently and as a result I am an item on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited three checks to my Citizens XXXX Checking account, written from myself from my home equity line of credit via XXXX XXXX. I called into Citizens multiple times noting this was the only method of transferring funds from my HELOC. The checks cleared the day after depositing from my XXXX XXXX HELOC - I called Citizens and even stepped into a branch with the checks ( XX/XX/year> ), with proof of my HELOC account in an attempt to validate the checks and verify proof of funds. There were holds placed on two of the checks, which were supposed to expire on XX/XX/year> and XX/XX/year>. I attempted to access my account on XX/XX/year>, and found that my account was frozen and restricted. When I called customer support, I spoke to three different departments to get clarity on why my account was frozen. I was told I would need to wait for a physical letter sent to my address for next steps. I called support and called a branch and told them I needed to access funds as my direct deposit from my job is also fully allocated to this account. I was told my account is inaccessible for withdrawals and debit card for purchases. I've made multiple attempts to verify the legitimacy of the checks both over the phone and in person. They froze my account even though XXXX XXXX  successfully cleared and posted the checks and are now holding my account hostage. This feels predatory- I would like immediate action/clarification on why Citizens Bank hastily froze my account and refuses to provide any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-26 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: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington maliciously reported an entry on my credit report after a technical error on their site has prohibited me from making a payment on their stand-by cash product. I attempted to reach out to support but was told there's nothing they could do for me. My credit is being destroyed due to a couple dollars. I have video evidence of the process not working correctly. 

I escalated the case via the XXXX  and to Huntington 's Customer Advocacy Response Team. The information presenting by the representative was factually incorrect and did not match information related to my system. Huntington is unwilling to resolve the issue and will force me to close my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I've contacted the property manager XXXX XXXX via email on XX/XX/XXXX about my concern for XXXX 's Rent. On XX/XX/XXXX I received a message from XXXX, their rent collector, saying theres a balance for {$1900.00} for the month of XXXX. I called the day before to see what the balance was about because from what is documented and signed on our lease agreement is that the last month of XXXX rent would be a prorated amount of {$1200.00} since the lease caps and ends on the XXXX of XXXX. Since we first moved in on XX/XX/XXXX, me and my roommate paid a prorated amount of {$600.00} via cashiers check so its documented that XXXX 's month would be the same instance since we did not stay for a full month technically. The lease documents state that XX/XX/XXXX is the official end of the lease so why are we being charged for a full months rent? it's not fair for us and its not fair to the XXXX XXXX XXXX XXXX  nor to the apartment management company ( XXXX XXXX  ). I then got followed up by XXXX XXXX who also confirmed that XXXX 's rent would be prorated to the amount of {$1200.00}. I have documents, emails, and screenshots of our conversations. After we had officially moved out we get an email saying that we owe {$3600.00} for the month of XXXX. I sent a email to XXXX XXXX asking if he ever looked into why we are being charged for the amount of {$3600.00}? When the amount was supposed to be prorated to {$1200.00} for the month of XXXX. I didn't understand why we were being charged double for a single month 's rent being that we did not even stay for a full month, we stayed til our last move out day on XX/XX/XXXX. It felt like I was being taken advantage of and they did everything in their power to get more money out of me and it set me back financially because It damaged my credit. They went from saying the rent will be prorated to {$1200.00} to then rent being {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harrington Law Firm, P.C.
State: NV

Complaint narrative:
Received phone calls that identified on my phone as 'suspected scam. ' They called wife and gave number to call. 
I called. 
XXXX XXXX XXXX extension # XXXX Case # XXXX Claims I owe a XXXX XXXX  debt from XXXX  on a credit card ending in XXXX He has my social security number. 
Amount of initial debt was {$2800.00} Amount with interest owed is {$7500.00} I never had a XXXX XXXX  account in any form. I called XXXX XXXX  to confirm, and they have no record of me having an account with them.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was 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 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
when we went to the bank they claimed there was XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
on XX/XX/year> I contacted XXXX XXXX who is the listed representative of CBE companies. CBE companies is listed as a collector on behalf of the U.S. Department of Treasury for a wage garnishment placed against me. On XX/XX/XXXX I made a XXXX-time payment of {$2100.00} which was my full remaining balance. XXXX confirmed the transaction and stated she would fax a release letter to my HR department so no additional garnishments would take place. On XX/XX/XXXX I checked my paycheck and saw that the garnishment was taken. I called my HR department to verify whether they had received the release letter. They stated they had not received it. I called XXXX at CBE Companies back that day to let her know that my company had not received the letter. I confirmed with her the fax number listed in the original letter sent by my HR department. She stated she would send it again that day. I waited until XX/XX/XXXX to check again. I called my HR department again, and they again stated they had not received a release letter. I then called CBE companies and a representative stated that they had sent the letter XXXX. When I requested a copy of the release letter so I could ensure it was delivered to my HR department they refused to provide me with a copy. I asked for a reference number or way to follow up on the status of my case and she stated they don't have a way to do that. 

As a summary I have paid in full my debt and the company that is supposed to be representing the Department of Treasury has failed to deliver a release letter to my employer notifying them that the debt has been paid, provide me with any form of receipt, and denied to provide me with a copy of the release letter needed to stop continued garnishment of my wages in excess of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IA

Complaint narrative:
I was charged on my Capital One card for this ROKU/Britbox streaming service for {$95.00} in XXXX, I informed them I was not paying for the service, as I have not been able to access the streaming service since XXXX XXXX. They set up a case # XXXX. They issued a credit for the amount. Then a couple months later they recharged me for the same amount. I contacted them & said I was not paying it. The complaint desk said I needed to cancel the service. I thought I had done that though TV account last year. They gave me a phone number to call. I have & that has lead to an web address that list about 25 different companies to contact. None of those match XXXX XXXX 
Now I am being charged interest, past due payments, etc. Plus who knows what other impacts to my credit. These streaming services are very challenging to access. 

I would appreciate your assistance in clearing up this mess. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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 did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Hello, I had an account with XXXX since XXXX and was on auto pay. Never had a late payment. I relocated to New Mexico and asked for service to be transferred. However, after a call last month with XXXX, we were able to determine that account was not transferred but a new account was opened and it's the reason of this issue. 
When I moved to NM, we were temporarily in an apartment, until we closed on our home. We had XXXX  service at the apartment and couldn't transfer service to our house since XXXX  did not service the area where our home was located and therefore I closed the account. I called to pay off my account assumed I was paying the account in full not knowing that there were now 2 accounts and one of them was never payed. 
XXXX then sent this to collections without calling me first about the issue. 
I then made multiple attempt to contact XXXX to dispute the balance since I wasn't aware of the 2nd account. I left messages for an account manager to call me and never got a call. Not sure if this was due to not having enough personnel during Covid. I also asked Waypoint Resource group, the collection agency, since XXXX to have XXXX call me directly to provide me more information on the balance origin, but Waypoint kept telling me that they couldn't do that, until yesterday when I called Waypoint and they mentioned that they actually could. 
I was finally able to get a hold of XXXX last month but the customer service agent couldn't do much about the debt collection but finally informed me of what had happened with the 2nd account and I made the payment to waypoint. 
XXXX, to this day, hasn't returned my calls from requests made over the phone during XXXX and XXXX. Their automated system also makes it impossible to get to an actual human being when I put in my old account information. 
Waypoint employees keep providing conflicting information to consumers and get agitated and ask to terminate the call when I tried requesting their upper management. 

I would like XXXX corporate head of accounts to contact me about this as this has watered alot of my time/energy and negatively impacted credit score and mortgage rates. I had been a paying customer for years on auto pay and they didn't have the decency to reach out to me directly to clear things up. 
I would also like this removed from all credit bureaus immediately please. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: MD

Complaint narrative:
In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the Comenity/ Overstock Account Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$800.00} Highest balance {$1200.00} Terms - Payment history XXXXXXXX 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 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

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 2024-06-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my wellbeing, causing considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I have been a target of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
My account has been opened for roughly 4 months. 4. Thats it. I heard how you guys handle other customers accounts so I stayed cautious and decided not to keep my money in the account. Any time I received cash i transferred it out in case something like this happens. You can go through every single transaction and see any time I receive cash, from my mother btw, I would cash it out. Every single transaction, with the exception of some minor purchases. Or on the rare occasion I use the app to send money to friends. And today I received notification that my account was closed. No explanation, nothin. I contacted customer service and even they couldnt tell me whats up, and had to transfer me to an another team, who I have to wait a month to hear from. You guys cant have this app that is used for convenience and not have great customer service, because we then have issues like this, where your customers XXXX XXXX XXXX XXXX XXXX dont even care. I am not the first this has happened too either, there are thousands of others who get their accounts closed, albeit some actually did break the rules, but a good chunk use the app correctly. If you guys can continue to brush urgent matters like this involving your customers to the side I dont see any reason people should continue to use your app. My account was closed, for absolutely no reason. Not a single rule was broken, Im so positive in that regard I would go through every XXXX transaction myself and show you. People, be very very careful dealing with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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