vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: NJ

Complaint narrative:
We were on vacation on XXXX XXXX in XXXX ( on XXXXXXXX XXXX ), and stopped at an establishment offering " free '' beach chairs if you purchased 2 drinks from them.I ordered two drinks and the waiter asked for my credit card ( I gave him my Capital One Savor XXXX ) .He came back with 2 drinks, my card, and my receipt for XXXX euros! We drank our drinks and left because they were continuosly harrassing us to buy more drinks, food etc, but we decided to leave before they could steal any more of our money. ( This place, called XXXX XXXXXXXX XXXX has an incredibly bad reputation on the internet and are known for overcharging customers every day, so much so that the XXXX  government fined them XXXX euros for treatment of its customers! ) XXXX refused to post my review as it already has over XXXX horrible stories from their customers.When I got home I did not see a charge for XXXXEuro but a {$570.00} charge instead ( 350 % more! ) We started a dispute claim and Capital One said that the vendors receipt showed a {$440.00} tip!! We asked multiple times for Capital One to provide us the receipt from the vendor and they claim that they would send it but it is weeks later and they have not responded and say that we have to pay the {$570.00} charge! We did not authorize this charge and will pay {$110.00} that we owe but have no intention of letting Capital One become complicit in this fraudulent abuse of its customer! Can someone PLEASE help us?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Trying to remove wrong addresses from the reports. Theses are the one 's XXXX XXXX XXXX XXXX tx, XXXX XXXX XXXX XXXX Tx 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 2024-12-15 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXnquired on XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
This letter is for the purpose of deleting items listed from my credit report. i am a victim of identity theft and did not make the charge. i ask the items be deleted to fix my credit report. i reported the identity theft to the federal trade commision and i also have enclosed copies of the federal trade commisons identity theft affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX XXXX  account number XXXX. 
XXXX  account number XXXX. 
Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX Solutions account number XXXX. 
XXXX  account number XXXX. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2024-12-15 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: TX

Complaint narrative:
XXXX is reporting on my credit report charged off and written off which means its no longer a debt. Income is not supposed to be reported on Credit Report. I am requesting the 1099c filed which the IRS authorized this charge off and your comments of written off tax credit. Because I take tax fraud seriously.

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 2024-12-15 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: TX

Complaint narrative:
XXXX is reporting on my credit report charged off and written off which means its no longer a debt. Income is not supposed to be reported on Credit Report. I am requesting the 1099c filed which the IRS authorized this charge off and your comments of written off tax credit. Because I take tax fraud seriously.

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 2024-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
On XX/XX/year>2024 an home equity line of credit type loan popped up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
About 1 year after closing on my home loan, I was invited by certified letter to refinance through the same lender ( Wells Fargo ). I went through the process and provided all of the information requested by the loan officers through a Wells Fargo email portal. At the final stage of the process, they said that the XXXX insurance policy did not meet their requirements. I was confused because my loan had been approved less than a year before for the same property. I explained that I have no control over the XXXX building policy and I asked repeatedly for documentation on what the deficit might be. I was refused any further formal explanation. They continued to demand that I put them in direct contact with my XXXX. They eventually communicated with the XXXX  without my permission, requested that the XXXX  change policies ( on a building with hundreds of units ). The XXXX refused and they immediately denied my refinance loan and deleted all the correspondence in the Wells Fargo email portal.

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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to SELF/SouthState Bank under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I requested the original signed agreement, an itemized statement of the debt, and proof of their authority to collect.

SELF/SouthState Bank has failed to provide the requested validation within the required 30 days and continues to report the unvalidated debt to credit bureaus, violating FDCPA Section 809 ( b ). This also constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB investigate this matter and direct SELF/SouthState Bank to immediately cease all collection activities and remove the debt from my credit report. Continued non-compliance infringes on my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My avalialbe credit was credit was dropped approximately XXXX, negatively impacting my credit score. 
I have never missed a payment and paid on time. 
I have had 23 years of excellent credit history.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Addresses that I never lived at the credit reporting agencies will not and have not removed. Incorrect spelling of my name has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MN

Complaint narrative:
I am writing to formally express my concern regarding your recent response, in which you claimed to have verified the accuracy of the XXXX XXXX account ( Account # XXXX ) on my credit report. This verification is invalid and inadequate, as no documentation or evidence was provided to substantiate the reported information. 

Account Details Under Complaint Account Status : Collection account with an alleged balance of {$2800.00}. 
Payment History : Multiple months ( XX/XX/XXXX XX/XX/XXXX ) marked as late or delinquent.

Issues with Verification Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), you are obligated to : 1. Conduct a reasonable reinvestigation when information is disputed.

2. Ensure all information furnished is accurate, complete, and verifiable.

Despite my prior dispute, you failed to : Provide proof from XXXX XXXX validating the balance, payment history, and status. 
Ensure the account data is accurate and complete. 
Supply me with the method or specific details of the so-called verification. 

Lack of Verification Breaches FCRA Standards Your actions constitute noncompliance with the FCRA. Simply relying on a furnishers automated response without tangible evidence does not satisfy the reinvestigation requirements.

I remind you that continued reporting of unverifiable or inaccurate information is a violation of the FCRA and subjects you to legal liability, including statutory damages under 15 U.S.C. 1681n and 1681o.

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 2024-12-15 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: FC HoldCo LLC
State: MS

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy. It's displayed as written off, and please remove this from my account as I have not received a 1099c from this. 


Account number 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 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a credit line of {$4000.00} with Care Credit. XXXX day they suddenly closed the account without any valid reason. I planed to use this card to pay for XXXX XXXX XXXXXXXXXXXX visits, and other medial related expenses. Closing this account resulted in my XXXX XXXX dropping and me not having access to medical credit any longer. I read online that a credit card company can legally decide to close your account if there is no activity on the account but the reasons they provided are to deny an application and not really to close an account that has already been approved. I started the account with a credit line of XXXX and grew it to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: ID

Complaint narrative:
I had a checking account and corporate credit card with XXXXnion Bank for over 22 years and USBank bought Union Bank in XX/XX/XXXX. USBank closed my business account and corporate credit card XX/XX/XXXX without proper notice. Here is the timeline : 1. I received a letter from USBank dated XX/XX/XXXX in a generic envelope not marked as time sensitive or important. It was not a statement and my secretary thought it was marketing. It never reached my desk. It stated they were closing my account but there was no explanation only that they required information. 
a. They stated they tried to reach me by post, email and telephone. That is untrue. I received no call or email. 
2. USBank sent a second letter dated XX/XX/XXXX which I received on XX/XX/XXXX, stating that they closed my account due to lack of response to the first letter. This letter stated something about " knowing our customers '' but no explanation. 
a. I called immediately and provided the information requested and the representative said they would work on getting it resolved. I followed it up with an email. 
3. I received third letter dated XX/XX/XXXX which I received XX/XX/XXXX, with a check for my checking account balance stating that they have closed my checking account as well as my corporate card again with no explanation. 
a. The letter is unintelligible due to their printer malfunction. 
No response to my calls or emails. 
This is all apparently because the want to know what my company does. It does the same thing it has done for the over 25 years as a customer of Union Bank and subsequently USBank. I have vendors that auto bill my credit card and i got no notice of this bank 's actions until it was closed for 2 weeks. my credit and reputation has been damaged by this bank 's unprofessional behavior.

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 2024-12-15 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: LA

Complaint narrative:
Under the Fair Credit Reporting Act, creditor XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. These violations have resulted in inaccuracies in my consumer report and infringed upon my rights. Specifically : Privacy Rights ( 15 USC 1681 ) : The FCRA ensures a consumer 's right to privacy. Information in my consumer report includes details that should not be disclosed without my explicit consent. Permissible Purposes ( 15 USC 1681b ) ( Section 604a ) ) : Experian included information in my report without my explicit written consent. Timing of Payments ( 15 USC 1666b ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Notice of Disclosure and Opt-Out ( 15 USC 6802 ) : Consumers must be given notice of disclosure and the option to opt-out of such disclosures. I have not received such notice regarding this option for my consumer 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 explanation
Consumer complaint received 2024-12-15 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: LA

Complaint narrative:
I checked my credit report and I seen some account that arent mine and a late payment which is incorrect.

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 2024-12-15 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: GA

Complaint narrative:
This letter is for the purpose of deleting items listed from my credit report. i am a victim of identity theft and did not make the charge. i ask the items be deleted to fix my credit report. i reported the identity theft to the federal trade commision and i also have enclosed copies of the federal trade commisons identity theft affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I keep getting text messages from the number XXXX from someone claiming to be from Spring Oaks Capitol LLC. They want me to contact them at XXXX regarding an XXXX XXXX by XXXX XXXX 

I have never done business with nor even heard of XXXXXXXX XXXX There is no such entry for this credit card account on my credit bureau either.

I believe this is a spammer and have repotted them to the DoNotCall and the FTC in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centron Services
State: MT

Complaint narrative:
I have requested a full validation of debt. I asked for a signed copy of an agreement with this collection agency. I have asked for proof that the debt was not written off by the original company. I have asked for how much they purchased the account for. I have asked for proof that of all of this. I have added a copy of my Validation letter to this file. They continue to just send copies of the bills, with my name added to them They continue to send the contract with XXXX XXXX, but not one that I have with them. I am going to take all these bills that they send with my name added and change it to their name. I have no debt with this company. I have no contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of FCRA Violations Dear Equifax, I am writing to formally dispute the violations of the Fair Credit Reporting Act ( FCRA ) that I believe Equifax has committed. Specifically, I am referring to the provisions outlined under 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. 

It has come to my attention that Equifax has willfully failed to comply with requirements imposed under the FCRA, resulting in damages to me as a consumer. As per the statute, I am entitled to seek damages for any actual harm sustained as a result of such failures, or statutory damages ranging from {$100.00} to {$1000.00}. 

If this matter is not resolved promptly, I will be compelled to pursue further action, including filing a claim in small claims court or seeking arbitration. I hope to resolve this matter amicably and urge you to take this letter seriously. 

Please respond to this letter within 15 days, providing a detailed explanation of how you intend to rectify these violations. 

Sincerely,

Company response to consumer: Closed with non-monetary relief