vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Bridgecrest Subject : Demand for Immediate Removal of Inaccurate Repossession Information Under FCRA Violations and Failure to Validate Debt To Whom It May Concern, I am writing to formally demand the immediate removal of the repossession notation on my consumer credit report related to [ XXXX XXXX  ]. Despite my prior complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, your company has failed to provide adequate verification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Violations Cited : 1. Failure to Provide Debt Validation ( 809 of the FDCPA ) : I requested validation of the alleged debt and a copy of the original contract with my wet ink signature. To date, you have not provided this documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, you have no legal basis to report or collect this debt. 
2. Permissible Purpose Violation ( 604 of the FCRA ) : You are required to have a permissible purpose to furnish negative information to my consumer report. I have yet to see any documentation proving that you had my consent or any legitimate purpose to report this repossession. Furnishing information without a permissible purpose is a direct violation of the FCRA.

3. Accuracy and Completeness of Information ( 611 of the FCRA ) : Credit furnishers are legally obligated to ensure the accuracy and completeness of reported information. Your failure to provide the original signed contract raises serious concerns about the accuracy of this repossession entry.

Legal Consequences of Non-Compliance : You are hereby on notice that if you do not remove the inaccurate repossession entry within 15 days of receiving this letter, I will pursue the following actions : 1. File a formal complaint with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding your FCRA and FDCPA violations.

2. Seek legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent non-compliance with the FCRA. 

This letter serves as an official demand for the immediate removal of the repossession from all credit reporting agencies. Failure to comply will result in swift legal action. 

Please send all correspondence and confirmation of deletion to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I used my Square , Inc. tap to pay app to process a credit card payment for my business and did an instant transfer of funds from Square to a XXXXXXXX XXXX account. I made sure all of my bank information was updated. By XX/XX/XXXX I noticed that there had been no funds in my account so I checked my account and re-entered my bank information. that same week I kept checking and only received a {$0.00} deposit from Square into my chase account to verify the bank account info but I never received the amount of {$1100.00} that was supposed to be deposited. I called square and was not able to get in contact with them after my first few attempts because they have an AI chat bot speaking and I did not figure it out until my 4th or 5th attempt when I finally was able to get my phone number whitelisted to speak to someone on the phone. from XXXX I spent hours on several calls with different foreign customer service reps who did not know how to solve my problem and kept telling me that the only way to get my funds back was to have someone at XXXX write a letter saying the funds were misplaced and if I get the letter they would refund me the amount of the lost ACH transfer. I visited 3 different chase branch managers all of which confirmed that it is against chase 's policy to write any letters. I had square talk to their team members and they would not accept an official bank statement or affidavit or any of the approved documents under chase 's policy. I believe Square knew that big bank branches do not write these letters and put that in their policy so they don't have to pay innocent people for their mistakes. They then told me that they would issue a recall of the funds but it would take 3-6 months which I knew was a lie because I tried to contact the representative 2 months later and they closed my case. That was my hard earned rent money during a tough economy and they made it nearly impossible for me to recover from that loss because of the timing of which it occurred. Not to mention, I lost my voice explaining the situation from beginning to end with countless customer service reps. I was on the phone with square and XXXXXXXX XXXX for 3-4 hours at a time during the first 2 weeks of me losing the funds and now I can't get a hold of anyone and I still have not recovered the funds from either party because they would provide no solution for their conflicting policies. XXXX also tried to search using the token numbers and ACH transfer numbers provided by Square across all bank accounts and they were not able to find a trace of those funds across all of their active bank accounts. So basically the funds were lost in thin air and I never received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I made a payment to XXXX XXXX. The payment was never applied and this put me in arrears and acruing interest and late fees and unable for two years to use the timeshare. I called Citibank and was told that the payment was made. I made a payment in XXXX of XXXX using my Citibank card for XXXX. This was credited to my account. I have called Citibank repeatedly because XXXX insists that they never received any payment, though their accounting changes often as to how the monies are applied. But in this instance, no monies have been applied. 

I called Citibank again in XXXX since I tried to use my timeshare and was told that I was in arrears, lost the use of two studioes and current use since Citibank never paid them. I sent a letter to Citibank asking them to research as directed by Citibank. 

I am being dunned by XXXX for the current year 's taxes for which I had to pay the what they claim were past taxes, already paid plus late fees, so that I could make a plan. I will say that I am surprised by the statement made by the representative that I had not paid the XXXX off and misunderstood XXXX XXXX which i do not. To reiterate Citibank stated that I did not understand as the XXXX that I used was to cover the XXXX dollars already paid off. See documents in XXXX. 
The XXXX XXXX  clearly outlines the total originally charged. Where the money has gone for which as a XXXXXXXX who is also XXXX, is not only a mystery but also a hardship.

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 2024-12-18 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: FL

Complaint narrative:
MY NAME IS XXXX XXXX MY SOCIAL SECUIRTY # XXXX I REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH 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 REVIEWED MY CREDIT PROFILE FOR THE FIRST TIME AND NOTICED I HAVE UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT WAS NEVER MINE, PLEASE HELP I HAVE BEEN A VICTIM OF FRAUD AND MY INFORMATION WAS LEAKED WITH THE DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-18 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful.

Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX Filed Date XXXX Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received an email from Citi Strata Premier atXX/XX/XXXXon XX/XX/year> stating " your new card will arrive soon ''. To my knowledge, I've never done business with Citi and can confirm that I did not request a credit card from them. When I saw the email today aroundXX/XX/XXXX I called the customer service number in the email and went through the process to cancel the account using the automated service. I received an email today around XXXXXX/XX/XXXXfrom Citi stating that my account has been closed.

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 2024-12-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have been in a XXXX  XXXX XXXX  relationship for a number of years. I am finally out of that situation now as of XX/XX/year>. At some point in that relationship my XXXX  stole my identity and was able to open multiple bank accounts, credit cards, as well as loans etc under my name, however, I was unaware of anything that he was doing or has done. Now my credit and name is compromised and I do not know the full extent of my XXXX  crimes, and I do not know what to do to fix this. Please help if possible. 
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 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital have already collected on this debt when my account was sold to them. I am not allowing this company to milk me for more money. This company has again added this collection item back onto my credit report when they have already collected the debit for this account. I will not be sending them anymore proceeds for that account. Please do not allow them accesss to my credit report. Please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
I am writing to report serious violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion regarding handling my credit report disputes and their subsequent responses to complaints # XXXX and # XXXX. 
Timeline of Events : On XX/XX/year> ( Complaint # XXXX ), TransUnion responded XXXX my dispute with the following actions 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 Violations : Improper Reinsertion ( FCRA XXXX ( a ) ( XXXX ) ) : TransUnion reinserted previously deleted accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without providing the required notification XXXX XXXX XXXX furnishers was provided to justify reinsertion No XXXX notice of reinsertion was received as required by law Failure to Conduct Reasonable Investigation ( FCRA XXXX ( a ) ( XXXX ) ) : TransUnion 's contradictory responses between XXXX and XX/XX/year> demonstrate a lack of reasonable XXXX procedures No explanation was provided for how the same accounts could be deleted and then verified within XXXX months Inadequate Notice ( FCRA XXXX ( a ) ( XXXX ) ) : TransUnion failed to provide a clear explanation of the investigation results No specific information XXXX contacts with furnishers was provided No documentation was provided to support the verification of previously deleted accounts Requested Action : Immediate removal of improperly reinserted items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Provision of all documentation related to : The original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reinvestigation process that led to reinsertion Investigation into TransUnion 's practices regarding : Their reinsertion procedures Their investigation methods Their communication protocols with consumers XXXX attempts to resolve this issue through TransUnion 's direct dispute process and XXXX CFPB complaints have failed to address these serious violations XXXX I request the CFPB 's intervention to ensure TransUnion complies with its obligations under the FCRA and corrects these violations. 
If necessary, I authorize the CFPB to share this complaint with other state and federal agencies.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XX/XX/year> {$4200.00}

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 2024-12-18 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX 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 2024-12-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
There are accounts and inquiries that are a violation to my rights and/or inaccurate. I disputed these accounts with the credit agencies but they still have not removed those accounts or inquiries. All of the accounts and inquiries I need removed will be in document section.

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Back in XXXX this year we called to report fraudalent transactions to the oldnavy credit card but not all were reported as fraud as we requested. Each time we called they only reported a couple of the charges and make us wait for the investigation to complete which takes 3 months. As a result my credit has gone down considerably and now have a delinquency on my credit report.They refuse to report all the charges at once. Currently waiting on a current investigation to be completed. All transactions took place in California from what I remember when I live in XXXX. XXXX XXXX has since closed the account. Most importantly this is the second time that my XXXX XXXXXXXX card has been compromised. 

Iam seeking for them to report whatever many transactions are still left, remove all fees and to correct my credit report as soon as possible to remove the delinquency off my credit report.

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