vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I called Dell financial because I could not get into my account to pay my bill they make it impossible to get I got he account. Especially since they switched banks in the middle of my credit card time. On XX/XX/19 I called and spoke with a representative to pay my balance and close my account. I made it clear I wanted to be done with them and have my full balance paid. I was assured that my balance was paid and the account was closed. A month later I get a bill from them and again could not access my account so I had to call them. To find out that 5 days after I closed my account they assessed a late fee and the late fee has been racking up interest and also another late fee and more interest. Well after the account was closed. I was hung up on when I asked to speak to a supervisor. Then had to call back and kept getting transferred to supervisors which I believe were just co workers. Each level the person was ruder than before and would refuse to speak to me so then I would get pushed to the next supervisor. Finally get to the last supervisor and mind you this is a recorded line I can hear the call center talking to each other saying we could waive the balance but Im not going to offer it to him. All on a recorded line I called the me out on it and they acted like that didnt happen. They are doing deceptive practices and preying on individuals who believe their account is closed and having them rack up late fees and interest. I paid the balance but do not believe I will be done with them as they said I would have another late fee assessed next month. I want my money back for the late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have not received a response or adequate validation. I am seeking your help to address and resolve this matter efficiently.

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 2024-09-24 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: IL

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

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 2024-09-24 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: IL

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. Immediately remove these inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I was in the process of changing banks for my direct deposit from my employer so I received a paper check from my employer I received my check on XX/XX/year> I initiated a mobile check deposit of {$1200.00} through Citibank. I did not currently at the time receive my direct deposits into XXXX of my accounts but I had been getting them deposited in a different Citibank account in the past. ( I had an access account, savings account, and a regular checking account, this mobile deposit went into my regular checking account which XXXX have had a small over draft of approx {$7.00} but I cant access the account so I am just not sure of the total. 
After depositing the check they almost immediately froze my account. I called them and they said it was in review and could take up to a week to finish. I called back a few times over the course of that week and they finally told me that the account will be closed in XXXX days and I will be receiving a check for the remainder of my funds. The account was officialy closed after about 30 days. On XX/XX/year>. I waited a couple weeks before checking on my check I should be receiving for approx {$1200.00} and some change. I called them on XX/XX/year> I believe and they said that I will not be receiving a check for the remaining funds because the check was considered fraudulent and I needed to have someone from my employer call and verify the check. Mind you the money had cleared and been sitting in my account since XX/XX/XXXX I think. But I called the lady in charge of payroll and she had the controller? Call Citibank to verify. Afterwords she let me know that all was good and to keep her posted. I called Citibank on XX/XX/XXXX I believe to ask about the status and they said the same thing. That it needed to be verified. They said they had received a call but they couldnt verify the phone number. So I let the payroll department know and then they tried again. Same issue.I work for a company under the umbrella of the XXXX of XXXX in XXXX XXXX. The company that issues my paycheck does not have any phone number associated with it in the whole of the company. I called back again on XX/XX/XXXX and told them about the problem. Citibank said that is the only way to verify the check. There is nothing else they can do. I asked for a supervisor and was told the same thing. I know there has to be another way to verify this paycheck. 
This whole ordeal has been a huge financial strain and a nightmare and no one will give me any information on what to do next. Please help me. I have included a photo of my screen stating that the check had cleared and the funds were in my account a couple of weeks after depositing. I also included a digital copy of my paystub and the check that was attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2024 I submitted a notice of dispute directly to your company because I was unaware of multiple collection accounts on my credit report. On XX/XX/XXXX, I received a response from your company verifying my disputed information as accurate, However, I do not agree with that and I am demanding a reinvestigation. I am disputing under the FDCPA, Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section 809 of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this 30 day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this 30 day investigation I need you to delete from my credit report immediately.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-24 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-24 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: AR

Complaint narrative:
I have written to ARS, via certified mailed. I informed ARS that I received letters from XXXX XXXX XXXX XXXX Bankruptcy Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus.

ARS did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the Court request them to list my personal information. This is a violation of my privacy.

There is no written nor verbal consent from me to report my private information to any bureau, ARS, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: Loqbox US Inc
State: VA

Complaint narrative:
I am writing to formally request the removal of inaccurate information related to closed accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following closed accounts are inaccurately reported : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$16.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RockLoans Holdings LLC
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX, a federal protected consumer me, and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as a trilateral contract, giving XXXX XXXX  any right to collect on this alleged debt, has insurance been file, has 1099c been filed and im requesting you provide me with your errors and omissions insurance number.

I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced XXXX  continue its collection efort, I will file for litigation for actual damages caused XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

ACCOUNT # *0046

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: AL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I accessed my credit card to set up payment and my account was restricted. I contacted Capital One on XX/XX/year> and I was informed my account was closed due to a bankruptcy. I then requested a copy of my statement. The representative advised me a request would need to be submitted and will be notified by email when I will be able to access my account to obtain my statement. I never received an email. I contacted Capital One again on XX/XX/year> and received the same response that I can not access my account due to a bankruptcy and that I will receive a statement. Apparently the company realized the error and reopened my account without notifying me of the changes. Due to their error and restricting the account the last payment made was on XX/XX/year>. Because I was not properly notified of the account closure and the reopening of the account with restrictions, Capital One assessed late fees for non payment. On XX/XX/year> I made a payment of {$1000.00} and my account is again listed as restricted. I contacted Capital One XX/XX/year> and advised that my account be restored or will file a complaint.

Company response to consumer: Closed with explanation