vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clasp Group, Inc.
State: CA

Complaint narrative:
My credit report says XXXX XXXX XXXX XXXX XXXX reported a new account with late payments of {$10000.00} that I don't believe I have. They reported that on XX/XX/year>, and didn't say how much total is owed in the account, just that I'm late on {$10000.00}. It honestly all sounds pretty fishy. I will also note that I had my wallet stolen with a copy of my social security number in it and all my credit cards back in XXXX of 2021. I called the police and knew who did it, a XXXX driver, but no one could help me recover it. They used my credit cards and I canceled and disputed those charges. I've already made this consumer statement with XXXX '**CONSUMER STATEMENT** I HAVE NO KNOWLEDGE OF THIS ACCOUNT. '' but they didn't remove it from my credit report. 

They also haven't provided any proof, they're just stating I owe them this money that I don't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint against Santander Bank regarding their failure to fulfill a promised cash bonus related to their new account promotion. Below are the details pertinent to my complaint : Promotion Details : Promotion Code : XXXX Promotional Offer : {$400.00} cash bonus for opening a new Santander Select Checking account. 
Account Opening : Account opened on : XX/XX/XXXX I ensured to use the provided promotion code during the account opening process. 
Requirements Fulfilled : I made direct deposits totaling {$5000.00} or more within the first 90 days ( by XX/XX/XXXX ). 
I have kept my account open and in good standing for at least 90 days as stipulated. 
Despite meeting all the aforementioned conditions, I have not received the promised {$400.00} cash bonus, which, according to the promotion terms, should have been paid within 30 days after fulfilling the requirements. This is a clear breach of the promotional agreement provided by Santander Bank. 

Attached, you will find : A copy of the promotional offer details. 
Proof of account opening and usage. 
Documentation of the direct deposits made to the account. 
I kindly request that the CFPB intervene in this matter to ensure Santander Bank honors their promotional offer. This situation has caused me significant inconvenience and frustration, and I believe it is essential that Santander Bank is held accountable for their commitments. 

Here are the deposits from XXXX XXXX : Date Description Amount Balance XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$21000.00} {$21000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$2400.00} Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-07-20 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: OK

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Student Loan Direct
State: VA

Complaint narrative:
Original balance {$3800.00} Current Balance {$4000.00} Account number XXXX Date opened XX/XX/XXXX Last payment date XXXX XXXX, XXXX I dispute the validity of this debit.The dates of the last payments are not matching as reported.It appears I have more late payment dates reported to the credit bureau.Please verify the information and delete it from my credit report. 
Thank You

Company response to consumer: Untimely response
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My credit report is showing a collection account from LVNV FUNDING. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I LVNV FUNDING LLC are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between LVNV FUNDING LLC and XXXX XXXX XXXX a detailed list of the history of payments, proof that LVNV have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: PA

Complaint narrative:
This company is reporting things over 7 years old causing me to have problems obtaining a job

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Recovery One LLC for their continued violations of the Fair Credit Reporting Act ( FCRA ) and relevant California state laws. Despite being informed that I am a victim of identity theft, Recovery One LLC has refused to adhere to FCRA guidelines and continues to report fraudulent information to credit reporting agencies and pursue collection activities. 

**FCRA Violations : ** 1. **Section 605B ( 15 U.S. Code 1681c-2 ) - Blocking of Information Resulting from Identity Theft : ** - Recovery One LLC has failed to block the reporting of information identified as resulting from identity theft, despite receiving appropriate documentation from me, including a police report and an FTC Identity Theft Report.

2. **Section 623 ( a ) ( 6 ) ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : ** - They continue to report information to credit reporting agencies that they know is inaccurate and have not conducted a reasonable investigation into my disputes.

3. **Section 611 ( 15 U.S. Code 1681i ) - Procedure in Case of Disputed Accuracy : ** - Recovery One LLC has not fulfilled their obligation to investigate and rectify the disputed information within the 30-day period required by law.

**California State Law Violations : ** 1. **California Civil Code 1785.16 - Investigation and Correction of Disputed Information : ** - Recovery One LLC has not conducted a thorough investigation of my dispute within 30 business days and has not corrected the inaccuracies on my credit report.

2. **California Civil Code 1785.25 - Responsibilities of Furnishers of Credit Information : ** - They have provided information to credit reporting agencies that they know, or have reasonable cause to believe, is inaccurate, and have failed to promptly notify the agencies of any discovered inaccuracies.

3. **California Civil Code 1788.18 - Identity Theft Victims : ** - They have not stopped collection activities on the fraudulent debt, nor have they ceased reporting this debt to credit reporting agencies after being notified of the identity theft and provided with the necessary documentation.

Despite providing Recovery One LLC with comprehensive documentation of the identity theft, including a police report and an FTC Identity Theft Report, they continue to report the fraudulent debt to the credit bureaus and pursue collection activities. This has caused significant damage to my credit profile and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: GA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604 A section 2, also states a consumer reporting agency, can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

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 2024-07-20 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, this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604 A section 2, also states a consumer reporting agency, can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
BEEN TRYING TO DISPUTE THIS ACCOUNT WITH XXXX XXXX XXXX XXXX XXXX XXXX FOR THE AMOUNT OF $ XXXX COMPANY TO HAVE THIS COMPANY DELETE THIS ACCOUNT FROM MY CREDIT REPORT, A HAVE SENT THEN ALREADY 3 ROUNDS OF DISPUTE LETTER AND THEY KEEEPED THE SAME INFORMATION 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 2024-07-20 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: TX

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased a service called XXXX XXXX for a monthly fee of {$49.00}. 
I turned auto renewal off. 

The charge : on XX/XX/XXXX, the account was renewed at {$49.00}. The charge I am attempting to dispute is the XX/XX/XXXX charge. The charge went through XXXX XXXX 's payment processor XXXX XXXX XXXX. I attempted to contact both XXXX XXXX  and XXXX. XXXX XXXX  did not respond to communication attempts. XXXX  stated that it was XXXX XXXX 's problem and would not assist despite the charge being to XXXX XXXX XXXX. 

The issue with Citi ( chief complaint ) I started a dispute with Citi around the unauthorized charge. At no point did Citi reach out for comment or accept any documentation about the unauthorized charge. After about 4 weeks, Citi closed the dispute. At no point did Citi ask for any supporting documentation. Citi did not provide a way to appeal the dispute. 

I attempted to contact customer support. Customer support said they would not be able to assist me and directed me to their " fruad department '' at XXXX XXXX XXXX XXXX. However, when attempting to reach out to this number it rings and eventually I get a line disconnected message. 

Citi does not appear to be doing their diligence around helping me with an unauthorized charge and is not providing ways for me to be able to contact them for help.

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 2024-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
I had a old XXXX  account around 7 years ago. XXXX  been closed for around 5 years. This debt company trying collect false money and hurting my credit report for money i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
My Account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer!

Delete the payments from my consumer reports!

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLD NATIONAL BANCORP
State: NJ

Complaint narrative:
OLD NATIONAL BANK XXXX BEEN OPEN SINCE XXXX ACCOUNT IS NO MINE.FOR THE AMOUNT {$20000.00} DISPUTE THE ACCOUNT WITH XXXX DIFFERENT LETTER THEY ARE REFUSING TO DELETE THE ACCOUNT OF 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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have requested information on the debt via phone, credit report dispute, and letter. I have not received any information about the debt. The number provided on the credit report was not helpful as it wanted an account number before connecting with a representative. I have tried contacting general customer service for Bank of America and the representatives have sent me to the wrong department each time. This is hurting my credit rating and affecting my life.

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 2024-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
On XX/XX/year> I saw XXXX XXXX XXXX of XXXX XXXX for an office visit. I made full payment in advance of the visit via credit card. During the visit, the provider performed no service other than to commit to perform certain tests on biopsy samples and report back to me with the results. The provider charged- and received - {$290.00} for a XXXX minute visit. The provider made me wait over XXXX hour XXXX minutes past the appointment time, costing me precious time during a workday. The provider then failed to conduct the medical tests in the days and weeks that followed. Upon calling his office on multiple occasions and being put on hold for hours, I was told that I would have to wait for the results. Upon still no response and calling further on multiple occasions, I was told that I would have to make another appointment - and pay another {$290.00} - simply in order to inquire about the follow up from the last visit. In frustration, I had to withdraw my payment. 
The provider is now using a debt collection agency to illegally collect payment for a service that was never performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: IN

Complaint narrative:
Experian.. XXXX and XXXX are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted this letter via USPS First Class Mail, and received a response saying that it was not me requesting Transunion to correct my personal information, Even thought I provided the attached legal private legal documents. The address the XXXX reporting is not my address ( XXXX XXXX XXXX XXXX, AZ XXXX ), in fact does not exist. I am requesting they immediately delete this from my consumer report. Here is is the text I sent to them, and also a copy of the letter I sent out via USPS. They are stalling and refused to delete the information my my consumer report even thought I provided provided my private documentation and non public Social Security Number. 

This is what I sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX, AZ XXXX There should only be one address listed on my report, which is the address I printed at the top of this letter. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, 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 non-monetary relief