vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
After a divorce I am saddled with marital debt such as this card that is in my name only. In an effort to minimize the financial impact I asked Citi about options and they stated that I could negotiate a payoff amount. They were unwilling to offer me a payoff amount several months ago so I offered an amount. They rejected my offer and did not counter offer. The representative informed me that I could make another offer after 30 days. I made another offer after 30 days and it was similarly rejected. I was told I could wait another 30 days and submit another offer. During this time my account was closed without warning. This trickery has allowed Citi to continue to charge me obscene interest while I attempt to settle this account every 30 days. I may need to declare bankruptcy.

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 2023-10-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I opened Business-Checking account in USbank with XXXX XXXX check from my customer around XX/XX/XXXX and that check is cleared and still on my account, after XXXX week later I deposit my USbank account another check from my other personal checking bank account but forgot to transfer money from my saving account to my checking account and my second check returned after that USbank close my account and doesn't give me my fund since 3 months. The bank policy show that that they should pay me my money back in any USbank branch with my ID. In that USbank branch everybody says different things to get my money back or they like to play with my money. I got email today that they want to talk or meet with my first check maker. That check is cleared since almost 4 months and " Once a check is cleared, the payer can't reverse it and get their money back. 
What should I do now? 

Thank you. 
Regards,

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 2023-10-27 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: LA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: LA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-10-27 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: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX I was involved in identity theft account potential XX/XX/2020 XXXX credit XXXX is not me involved in identity theft c Account open in XXXX I have XXXX addressed to be removed on my credit report also phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After filing complaint # XXXX, XXXX XXXX, and Capital One, # XXXX, on XX/XX/2023, I received numerous calls from persons claiming to represent Capital One. Capital One 's representatives are as follows : XXXX, or XXXX, per my voice mail she uses both, add " CC, '' and XXXX XXXX 

Beginning XXXX, these persons, at XXXX, are claiming to be " executives '' when they call -Capital One Executives. They harassed me on the phone. 

I return their calls, and they play ignorant about why they are calling, and instead want me to furnish information about 'their ' call. 

The calls are harassing, made early in the morning. This appears to be Capital One 's response to my complaint against XXXX, and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: EdFinancial Services
State: TX

Complaint narrative:
I am formally requesting the removal of the following accounts from my credit report, citing multiple violations of the FCRA. The majority of these accounts have been present on my credit report for a duration exceeding 7 years. In addition to their prolonged presence, numerous errors are evident, including duplicate accounts, inaccurate balances, inconsistent opening dates, and incorrect last active dates. It's important to note that each violation incurs a penalty of {$1000.00} under the FCRA. Lastly, you have several accounts reporting when this loan was consolidated. I would like to make it clear that if these accounts are not removed in compliance with the FCRA, I will pursue compensation for the multiple violations identified. EDFINANCIAL SERVICES L XXXX. Remove the following paid accounts from my credit report due to incorrect reporting EDFINANCIAL SERVICES L XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email notification from Columbia Debt Recovery LLC, dba Genesis that this company was attempting to collect a debt they claimed I owed to a previous landlord, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA ) in the amount of {$1100.00}. I intended to dispute this debt because I believed the amount was legally unjustified given that it was incurred only because I had failed to give 60 days notice of intention not to renew my lease. I was surprised at this initially because I had never even heard of a notice requirement anywhere close to that long and I thought the 42 days ' notice I gave was plenty. 

At any rate, I went to the Consumer Financial Protection Bureau 's website to get some advice about how to respond and I downloaded a form letter ( the Debt Validation Letter ) with all the appropriate requirements and filled in the specifics for my situation. I printed out the letter and sent it by certified mail to the address listed for Columbia Debt Recovery in the initial email I had received on XX/XX/XXXX. I sent the certified letter on XX/XX/XXXX, which was well within the time frame outlined for a response in the email I received from Columbia Debt Recovery ( it said a response must be received by XX/XX/XXXX ) and I subsequently tracked the certified letter, which the XXXX shows was delivered on XX/XX/XXXX at XXXX am. 

I never received any written response or any response that I can discern or recall at all from the debt collection agency in question. Today, XX/XX/XXXX, I was notified by the credit monitoring service to which I subscribe that Genesis Credit Management reported a collection in the amount of {$1100.00}, and of course, my credit score has taken a substantial hit as a result of this. My understanding is that debt collectors are not legally permitted to report debt collections to credit agencies when they have a received a Debt Validation Letter and given that the letter I sent was delivered according to USPS and that the address to which I sent it was the address I found on the email I was originally sent for the debt collection, I do not understand why this could have legally occurred. 

I am fairly confident that what this debt collector has done is a violation of the Fair Debt Collection Practices Act and I want to ensure that this company is properly reprimanded, that it will not do this in the future to other consumers and that I am made whole by the harm that has been done to me because of this company 's illegal behavior. I have documentation to prove everything that I have stated occurred as I have explained. I contacted the debt collector today by phone and they claimed ignorance and asserted that I had made a mistake and that they had done nothing wrong. Needless to say, I was not happy with the interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please delete 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 2023-10-27 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: NY

Complaint narrative:
In accordance with the fair credit report act XXXX account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-27 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:
Experian has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit & section ( 4 )!! Even the Debt collector is reporting inaccurate information on my profile!! Experian never informed me what's going on in writing to get the issues resolved, Per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

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 2023-10-28 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: MD

Complaint narrative:
Unauthorized Inquiries on My Credit Report : ** 1. Inquiry from XXXX on XX/XX/XXXX. 
2. Inquiry from XXXX XXXX on XX/XX/XXXX. 
3. Inquiry from XXXX on XX/XX/XXXX. 
4. Inquiry from XXXX XXXX on XX/XX/XXXX. 
5. Inquiry from XXXX XXXX on XX/XX/XXXX. 
6. Inquiry from XXXX XXXX on XX/XX/XXXX. 
7. Inquiry from XXXX XXXX on XX/XX/XXXX. 
8. Inquiry from XXXX XXXX on XX/XX/XXXX. 
9. Inquiry from XXXX XXXX on XX/XX/XXXX. 
10. Inquiry from XXXX XXXX on XX/XX/XXXX. 
11. Inquiry from XXXX XXXX on XX/XX/XXXX. 

**Statement : ** I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.

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 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've been trying to dispute a charge off from capital one now for around 4 months. I've asked numerous times for validation of debt and besides the answer on the remarks from credit bureau have yet to see any physical evidence of this debt. They're saying it's mine because of recorded phone calls and that it was opened at my address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX. Yet there is an address on my credit report XXXX XXXX XXXX XXXX PA XXXX in which I never lived however I can not get it removed from my credit reports because the bureau is saying it's attached to this capital one inquiry and debt! They've yet to send me any proof and have not once ceased communication while in dispute! They email me excessively even though they are aware I am in dispute and won't pay debt that isn't my doing. I also had the XXXX XXXX XXXX address removed from atleast XXXX of the buried further proving the address this account is attached to was never lived in by me but someone who fraudulently represented me and opened this account. Furthermore this account was frozen for fraudulent activity and my bank said they received calls trying to validate a bad payment made and were told it did not come from MY BANK ACCOUNT!!! I WANT A THIS CHARGE OFF REMOVED IMMEDIATELY! I've spent months now fighting to get my life and credit back and for some reason capital one is only creditor not willing to see the truth that I was a victim. I've removed every other negative remark but this! Screenshots attached show the daily emails sent when during times I'm disputing and with no clear way to cease this which is another violation of law. Please remove this account at once! My ex-wife was also contacted by a lawyer saying they're suing us for this debt but haven't heard from them myself and still get contacted daily from capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I received a letter by mail from Sequium asset solutions. They said I owe {$650.00} to XXXX XXXX. I called XXXX trying to understand why I was getting this collections letter. XXXX asked me for my account number, which I didn't have because i closed the account in XXXX XXXX XXXX said without an account number they couldnt help me. When I closed my account with them in XXXX I paid everything out in full and still have that receipt. I then called the collection number and left a message. I also emailed them to dispute it and a day later they sent an email asking for it to be paid in full. I haven't had XXXX  or lived in the house where I had XXXX in a year and a half. I don't understand why I'm getting charged this and no one seems to want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief