vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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: KY

Complaint narrative:
XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Us bank you have the complaint I'm not going over it I don't even know why I'm contacting you because you did nothing the first time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have not held an account with Nordstrom and this balance of XXXX is sitting on my credit report as a negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2024, I signed up for a new crdit card with Chase bank. The promotional offer that I signed up for was XXXX XXXX XXXX miles after spending {$3000.00} in the first 90 days. I met this threshold but only received XXXX miles from Chase. I contacted Chase to recitfy this and sent them screenshots showing that I signed up for a XXXX mile offer, but they said they didn't have a record of that and refused to credit me the miles I am owed under the original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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:
XXXX XXXX  XXXX Account Nuumber - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
A debt has been continuously put on all major credit reporting agencies. 
This debt was never owed and XXXX COULD NOT PROVIDE ANY SIGNED DOCUMENTATION. 
This has been going on for years now and has been removed with your help. 
Complaint ID XXXX Complaint ID XXXX This is harassment to the point of criminal.

now involving two collection companies with no proof of a debt. 

( XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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:
XXXXXXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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:
XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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:
XXXX XXXX Account Number - XXXX XXXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ss # XXXX XXXX : 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 the EQUIFAX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a {$14000.00} XXXX XXXX XXXX opened on XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX {$52000.00} opened on XXXX XXXX XXXX # XXXX, also a XXXX XXXX  {$1200.00} opened XX/XX/XXXX XXXX # XXXX, XXXX XXXX {$1500.00} opened XX/XX/XXXX XXXX # XXXX, last XXXX XXXX XXXX {$430.00} opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.i have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit maintained by you wich shows the aforementioned fraudulent items.i do not recognize aforementioned accounts, and the hard inquiries as reported. The aforementioned accounts, collections and 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 # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information is not being accurately updated. I'm not sure on who's behalf in regard to XXXX ( loan company ). The balance is showing I currently owe {$4700.00}. I've paid {$2200.00} towards this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by XXXX XXXX XXXX XXXX XXXX located in XXXX, California ( current creditor ). On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional FICO score had fallen by XXXX points. I immediately logged into my XXXX account and discovered that the culprit was XXXX XXXX XXXX XXXX XXXX located in XXXX, New York ( collection agency ) falsely reporting on behalf of their client XXXX XXXX XXXX, XXXX  that the balance due is {$2700.00}. On XX/XX/XXXX, I disputed the validity of the alleged balance due with XXXX XXXX XXXX XXXX XXXX along with XXXX, XXXX, and Equifax and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. As of this writing, both XXXX and XXXX have removed the XXXX XXXX XXXX XXXX XXXX collections account from their respective credit reports on me entirely. Equifax, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Complaint for : Capital One Bank I am the caretaker ( power of attorney ) for two family members who received checks for funds from the U.S. Treasury. I was told I could deposit the funds into my account by the family members and a bank representative as long as all parties sign the back of the check. We both signed the back of the check and I mobile deposited funds. I later received a notification that they were closing my account due to fraud risk. They did not provide me any other information. They will not release the funds left in my account to me. There is over XXXX XXXX dollars left in the account. They said the account review could take months but then they told me that the account would be getting closed. When I asked how I could receive the funds left in the account, I was told I couldnt. The XXXX checks that were deposited have already been verified by the Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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:
XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My car was broken into on XX/XX/XXXX, and my phone and multiple cards were stolen. Unfortunately, I couldn't file a police report due to a lack of evidence and no camera footage. The thieves ended up spending {$870.00} on my Wells Fargo card. I contacted Wells Fargo and submitted a dispute claim. However, a couple of months later, I received a letter stating that my claim was denied and the provisional credit would be removed. This is unacceptable. I am not responsible for these charges as I did not make them. According to the FDIC and the FCRA, I should not be held liable for these fraudulent charges. I request that these charges be resolved and removed. 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 monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the hospital sick and people stole my identity to commit fraud. This fraud car loan was not authorized or sign by me and shall delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the hospital sick and people stole my identity to commit fraud. This fraud car loan was not authorized or sign by me and shall delete from 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
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Penfed has blocked my checking and credit cards, making it difficult for me to deposit money or pay my credit card bills. I do not have access to a Penfed bank nearby, so I rely on online banking for deposits. Unfortunately, they have limited my deposit options, causing me hardship as I try to make monthly payments on my credit cards. My account is frozen, preventing me from receiving XXXX deposits to pay towards my credit card balance. They also control where deposited funds go, resulting in the closure of XXXX of my credit cards. Though I have made payments on my gold credit card, the balance remains unavailable due to these restrictions. I am unable to manage my finances and pay necessary bills, which I find to be unjust treatment by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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:
XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Good afternoon, I'm looking over my credit report and see an error being reported. I have 30 day late payment being reported that i have in fact paid on time. I have never paid late to this account. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint on the dates XXXX. Please investigate this account and update these payments to paid on time immediately. Thank you for your understanding and patience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year> I accidentally disputed a transaction. When I realized I knew what the transaction was, I contacted cash app and asked to remove the dispute. I was told it could not be done. When I received an email stating that the dispute was resolved and I was credited, no credit was actually given. When contacted customer service on XX/XX/year> an advocate told l me I was credited on XX/XX/year>. It was never put on my account. So I called and spoke to a manager named XXXX who was unprofessional and sent me a bogus statement. Now nobody on the staff has helped.

Company response to consumer: Closed with explanation