vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Bank keeps deceasing my credit card limit to the amount of money thats owed on the card. This is the third time this company has done this without any prior knowledge or consent of mine. I am not asking this company to decrease my card limits. They are doing it on their own and when I call to make a complaint about what they are doing. The reason they state is for information reported by the credit bereaus. The problem I have with that is my credit reports are frozen. And they have been frozen for years. I have not asked these people for an increase or decrease on my credit cards. I pay all my credit card bill on time. It was absolutely no reason for this bank to decrease my credit limit. I recently paid a mass payment of more than {$7000.00} on my credit card ending in XXXX and these people still decrease my credit limit to what I owed on the card ruining my debt to income ratio and lowering my overall credit score. They have done this more than one time and it needs to stop. I have not missed a payment nor given these people a reason to lower my credit limit without my consent.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been paying a significant monthly fee on a Discover card and have made timely payments. In XXXX  I received notice that I could not continue to use the card if I didn't supply my Federal Income tax forms. I found this invasive and questioned their right to ask for this information considering I never missed a payment. When I contacted a representative, she was rude and dismissive and said they would not unlock the account. My question : if I can't use this card -- and not receive the service that this card allegedly offers -- why should I be obligated to continue to pay for a service I am not receiving. I intend to withhold payments until my questions can be answered in a satisfactory manner. My monthly payments are approximately {$140.00} and paid on the XXXX  of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
I have disputed the accounts that are included and they do not relate to any transactions I have made or authorized. FTC Report attached. Account XXXX : ( XXXX XXXX XXXX : XXXX ) Account XXXX : ( XXXX  XXXX : XXXX - this one was removed as a collection but Shows as closed and reports a late payment, It is NOT My Account : ) these also were investigated by XXXX and XXXX with the same result a removal. I have had to go back and forth withExuifaxas if I am bothering them for trying to get help with this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Equifax. I have been very ill this past few years and going through this back and forth withEquifaxis taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
I have disputed the accounts that are included and they do not relate to any transactions I have made or authorized. FTC Report attached. Account XXXX : ( XXXX XXXX XXXX : XXXX ) Account XXXX : ( XXXX  XXXX : XXXX - this one was removed as a collection but Shows as closed and reports a late payment, It is NOT My Account : ) these also were investigated by XXXX and XXXX with the same result a removal. I have had to go back and forth withExuifaxas if I am bothering them for trying to get help with this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Equifax. I have been very ill this past few years and going through this back and forth withEquifaxis taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-17 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. 

Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXXXXXX XXXX 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 2024-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol One had been soliciting me with pre approved offers for their quicksilver credit card offering a {$300.00} bonus after spending {$500.00} within the first 90 days. After 2 months of recieving these emails, I finally decided to apply for the card to get the bonus money. I used the link in the credit card offer to apply for the card. The email promised my credit score would not be affected. This was Not true. My credit score went from an XXXX to an XXXX after applying and getting approved. I applied on XX/XX/2023 and did my due diligence by calling their customer service right after i applied to be certain I was on track to recieve the {$300.00} bonus offer with this card, and the person on the phone assured me i would recieve it after I spent the $ XXXX.I also took that time to complain about my credit score instantly going down, but they brushed it off saying it was perfectly normal. I was not happy. I spent the {$500.00} the first month and paid the card off in full to satisfy the requirement. When I didnt recieve the bonus money by XX/XX/XXXX I called capitol One to see why. I was told that I applied for the wrong quicksilver card, They said I applied for the quicksilver card for people with good credit not the quicksilver card for people with excellent credit. They said the cards look the same but mine carried no reward. In my defense I had an XXXX credit score which was excellent credit on XXXX, XXXX XXXX  More importantly, I used the link in the ad to apply for the card. This is a bait and switch tactic on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius global solutions has reported fraudulent information to my credit reports that was purchased without validation of debt. I received a call after listed closing time and when I called back there automated response did not identify them as debt collectors. I've disputed these accounts but never received verification information from them afterwards. XXXX XXXX and XXXX has worked with Radius global to pass fraudulent information back and forth as I worked to rectify these errors via websites/CFPB. 
The two XXXX XXXX and XXXX XXXX Collections accounts attached below via pdf show how many inconsistent times/dates these companies have generated false information. Radius Global Solutions is already in non compliance with the FDCA as far as I'm concerned.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is accurate and has never been late i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX # XXXX XXXX ga XXXX {$540.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was show to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX # XXXX XXXX ga XXXX {$540.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was show to me.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. if in fact you believe I have receive proper notification please provide the certified mail receipt with my signature on it stating that I have received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: WI

Complaint narrative:
Hello Im filing a complaint as a last resort as I have XXXX payments made to Discover for which I need refunds, and Discover is not completing the request also, their customer service has not been able to help. 

I accidentally made XXXX electronic payments to a closed Discover card through my Banks bill pay service. My Bank submitted the electronic tracking details to Discovers Payment Research fax # XXXX on XX/XX/XXXX. On XX/XX/XXXX Discover issued a refund for XXXX of the payments which I received as a refund check ; however, the below XXXX payments have still not been refunded although my Bank resubmitted the request on XX/XX/XXXX. I will attach the electronic proof for the remaining XXXX payments that need to be refunded to this complaint. The payments were made through my Banks Bill Pay processor, XXXX. Discover customer service has not been able to help despite multiple calls, as they advise this Discover account number is now purged from their system. 

These XXXX payments still need to be refunded : XX/XX/XXXX {$300.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 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:
I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Transunion for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, de XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-17 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: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I put about {$80000.00} in CD 's for my children in XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  This bank has closed down. I have not been able to retrieve my funds as of yet. I was in touch with the president XXXX XXXX who let me know I would get my funds back which he has not done that. A few years went by I had a lawyer write him to see where my money went and I have not got an answer yet. I have been calling around trying to locate my money. I called the FDIC they told me my funds should have been in First Citizens Bank, they gave me the contact number for them. I called them they said they couldn't see my money I should go into the branch they would be able to see it. I went into the branch they said they didn't see my money. I should call unclaimed funds. I called unclaimed funds they said they do not see it. I called FDIC Division of Resolution and Receivership they told me to call FDIC claims dept. So basically I have not had any further with finding my money. I had a letter stating it could be in XXXX XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX Ga. SO I've been calling them and leaving messages. I have not received a all back and non one answers the phone. So today XX/XX/XXXX I went to the branch to see if I could talk to some one in person about XXXX XXXX. No one came to the door to unlock it even though I seen someone in there. 

These are all the places I called XXXX left a good survey review Checking XXXX CD XXXX and Closed XXXX who closed the accounts CIT Bank XXXX XXXX XXXXXXXX XXXX and Trust CoXXXX, XXXX XXXX, XXXX, First Citizens Bank and Trust Co. XXXX XXXX & XXXX Account No. 
Division of Resolution and Receivership XXXX XXXX claims dept fdic

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is a charge from Bank of America, which they took the security deposit so the card shouldve been paid because thats the whole point of security deposit And that for Bank of America and then they sold the debt off so Im not responsible for it and the XXXX XXXX is not my debt

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was trying to buy a house when it was brought to my attention that there was negative items on my Credit reporting and according to the 15 u.s.c 1681 law there should be no damages put on my report! the is defamation to my character.

Company response to consumer: Closed with explanation