vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank usa violation of the fair credit reporting act ( fCRA ) ( 15 usc 1681b ( a ) 3 ( f ) ( i ) and 1681g ( a ) ( 5 ) for unlawfully obtaining my XXXX and XXXX consumer report on XX/XX/XXXX and XX/XX/XXXX. COAFviolation of the fair credit reporting act ( FCRA ) ( 15 usc 1681b ( a ) 3 ( f ) ( i ) for unlawfully obtaining my XXXX  and XXXX consumer report on XX/XX/XXXX and lastly XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to seek your intervention and support with an issue involving Wise, an online financial service provider operating in USA. My funds have been frozen for over 20 days, allegedly due to " international sanctions, '' which I find entirely unjustified and unacceptable. 
Background I hold a US account with XXXX and recently made a transfer to my Wise account in US nad my fouds have been blocked for investigation when the amount I did transfer was only XXXX. 
I do not understand why this transaction is under investigation. The transfer was initiated from a legitimate bank in the United States to Wise, which I understand operates legally in XXXX & US. As an online financial institution, Wise allows users to conduct transactions from anywhere in the world.

To clarify : The transaction originated from a legal financial institution in the U.S. and was intended for Wise. 
No transfers were made to or from embargoed countries such as XXXX, XXXX, XXXX, XXXX, etc. ( again, this was from the U.S. to Wise XXXX ). 
This transaction complies with all legal regulations and should not have been blocked. 
If Wise intends to analyze every transaction I make from the U.S. to Wise moving forward, I would prefer to close my account. I can not afford to have my funds frozen for more than 15 days each time. Therefore, I demand that my funds be immediately returned to my Wise account. While I am willing to close my account with Wise, holding my money for such a prolonged period is unacceptable and constitutes an act of theft. It is illegal for Wise to use my funds to generate interest or make investments without my explicit consent. 
Purpose of the Funds : These funds were intended to cover essential payments in XXXX, including : Rent, Education for my XXXX  child, and XXXX sustenance for my wife and child. 
Consequences : Any negative outcomes arising from this delay will be Wise 's legal responsibility, such as : Penalties for overdue payments, Expulsion of my child from school due to non-payment, or Eviction from our home. 
I have already demonstrated that my funds are lawfully earned, and the transaction was conducted between legitimate financial institutions more than 15 days ago. 
My Demands : Release the funds as per the original transaction immediately, or Return the funds to my U.S. account without further delay.

My Wise User Number : XXXX By withholding these resources, Wise is endangering my familys well-being, as they depend on this money for survival. I expect a resolution to this matter today.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-12-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Request for Correction of Inaccurate Credit Report Information Dear CFPB, I am writing to formally request your assistance in correcting inaccurate information on my credit report. I recently reviewed my Equifax credit report and noticed that it incorrectly lists a balance of {$24.00} on my XXXX credit card. However, my XXXX credit report accurately reflects a {$0.00} balance. 

I have attached a screenshot of my XXXX account which clearly shows a {$0.00} balance. I believe this discrepancy needs to be addressed to ensure that my credit report accurately reflects my financial standing. 

I kindly ask that you investigate this matter and assist in updating the information to the correct amount. Thank you for your attention to this issue. 

Sincerely,

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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Correction of Inaccurate Credit Report Information Dear CFPB, I am writing to formally request your assistance in correcting inaccurate information on my credit report. I recently reviewed my Equifax credit report and noticed that it incorrectly lists a balance of {$24.00} on my XXXX credit card. However, my XXXX credit report accurately reflects a {$0.00} balance. 

I have attached a screenshot of my XXXX account which clearly shows a {$0.00} balance. I believe this discrepancy needs to be addressed to ensure that my credit report accurately reflects my financial standing. 

I kindly ask that you investigate this matter and assist in updating the information to the correct amount. Thank you for your attention to this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Details- Account # XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing in regard to the account referenced under the name XXXX XXXX XXXX with your company. While I am not disputing the details of the account or its balance, I would appreciate your assistance in providing the following information for my records : The date of the first delinquency on the account. 
The date of the first payment made on the account. 
The date the account was charged off. 

I would be grateful if you could provide this information at your earliest convenience. Please feel free to contact me if you require any additional details or documentation from my end to process this request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-15 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: EQUIFAX, INC.
State: TX

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. 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 2024-12-15 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: LA

Complaint narrative:
CFPB HAS NOT INVESTIGATED ANY OF MY COMPLAINTS ON THEM LETTING THE THREE BUREAUS GET AWAY WITH HARMFUL BAD BUSINESS PRACTICES FOR ALONG TIME. THIS NEEDS TO BE ADDRESSED ASAP. I FILED A COMPLAINT ON CFPB TO FTC ALREADY, AND WILL FILE ANOTHER.

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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my 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 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE SEVERAL DISPUTES WITH ALL THREE BUREAUS THROUGH CFPB AND FTC AND THE STATES ATTORNEY GENERAL 'S OFFICE AS WE SPEAK. EXPERIAN HAS BEEN ADDING FRAUDULENT ACCOUNTS TO MY CREDIT REPORT SINCE I FILED THE DISPUTES. I'VE REQUESTED THAT CFPB INVESTIGATE THIS MATTER? BUT TO NO AVAIL THIS IS STILL CONTINUING TO HAPPEN THIS IS VERY DETRIMENTAL TO MY HEALTH, MY CONSCIENCE OF MIND, AND A DISTURBANCE OF MY INNER PEACH!!!!!!!!! 

XXXX : The XXXX of the XXXX of 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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I requested a credit limit increase with my GS Apple Card several times. With my credit score being over XXXX and income being over XXXX. They deny my request for a credit limit increase with the reason being my credit score is below XXXX and other items that are not there on my credit report from the same bureau. XXXX or Goldman Sachs is using inaccurate information to assess my credit line increase. They say that is the information they receive from XXXX, but the credit report they use is not dated on the day of the credit limit request but a month before and shows the incorrect score and information. I recently applied for an apartment where my XXXX score came up as XXXX. I applied for a credit line increase shortly after and they said my credit score was a XXXX and the report was dated XXXX weeks or a month before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied and was approved for the XXXX XXXX XXXX card on XX/XX/year>. The card had a promo for XXXX XXXX XXXX  miles for new customers when spending {$XXXX} within XXXX  months of approval. It is now XX/XX/XXXX and i have yet to receive my credit card after at least XXXX calls with XXXX  customer service and an escalated call with their XXXX. Here is my summary for the attenpts to receive my card : After the XXXX business days was well over for the initial receipt of card, I call customer service mid XXXX and was informed my card was never mailed out. The rep informed me they have no record of the mailing being sent out. They canceled the card and re-issued a new one, standard mail. End of XXXX, well after the standard timeframe that was provided for the replacement, the card did not arrive, I called customer service again and told the same thing, card was never shipped out, this time I was able to get the representative to expedite the card. They stated XXXX business days via XXXX. I waited XXXX or XXXX business days and still no card. Called customer service again and rep told me the same thing, requested to escalate and speak with their XXXX. Managers name was XXXX or XXXX and she informed me there was a note on my account for customer clarification but was unable to contact the mailing associate that noted my account for clarification and told me they were gone for the day. XXXX requested another expedited delivery of my card ( XXXX days via XXXX  ) and told me she would call me XXXX days later to inform me of the status of my card ( whether mailed or not ) and what customer clarification was needed. The interaction with XXXX was held on XX/XX/XXXX. No phone call as I was promised and no card still! I was planning on using this credit card for my familys vacation and the balance used would have been enough to receive the XXXX XXXX XXXX promo. The vacation payment was due on XX/XX/XXXX and because I have not received my card that I was approved for since XX/XX/XXXX, another form of payment was used to fund the vacation. Very dissatisfied with the level of customer service received from the reps and management. XXXX attempts and still no card!

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to report a fraudulent transaction issue with my bank. After I discovered the unauthorized charge on my debit card, I immediately notified the bank and reported the issue. Despite my prompt action, the bank has refused to reimburse me. 

The key details of my case are as follows : XXXX XXXX : The charge was {$1200.00} at XXXX XXXX, which I did not authorize. 
XXXX XXXX : I contacted the bank as soon as I noticed the transaction while it was still in a pending state. 
Banks Refusal : Despite being informed promptly, the bank has refused to refund the unauthorized transaction. 
I have also filed a police report regarding this fraud and can provide it as supporting documentation. I kindly request the CFPB to investigate this matter and assist me in recovering my funds. 

Desired Outcome : I request a full refund for the unauthorized transaction, along with a clear explanation as to why the bank failed to act while the transaction was still pending.

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 — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name social security number and my addresses and other personal information I asked for them delete And they keep putting old credit on my report They will charge it off and then resale my information and it back on my credit report when they keep reselling my information which isnt proper or legal

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