vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2023-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
3rd Reinvestigation for XXXX XXXX XXXX this account and delete as soon as possible, because this account is pass the statute of limitation to collect for the alleged debt, for reporting inaccurate balance which is a nonfactual 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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra and ftc violations,15 u.s code 1681 e ( b ) -accuracy of report, 15 u.s code 1681 i- investigations,15 u.s code 1681 i ( 5 ) ( a ) ( i ) - account deletion, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} 15 u.s code 1681 e ( b ) -accuracy of report 15 u.s code 1681 i- investigations these addresses are not mine 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SinglePoint GI
State: VA

Complaint narrative:
I was contacted by General Revenue Corporation about a collection for a student loan from XXXX XXXX XXXXXXXX XXXX. However Im not a student there and nor did i live in the XXXX XXXX area during that time. 

The school confirmed that the individual used my social and DOB to request support for a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Payfare International Inc.
State: WA

Complaint narrative:
Unfortunately, I recently lost my XXXX XXXX debit card. While attempting to secure my account in light of this, I inadvertently locked myself out. 
The situation has been further complicated due to the fact that part of the account verification process requires the entry of the last four digits and the expiration date of my now lost card. This has rendered me entirely unable to access my account and its associated funds. 
I understand the need for stringent security measures ; however, there must be an alternative way to validate my identity and regain access to my account without the lost card details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: VA

Complaint narrative:
On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with XXXX transunion and XXXX. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

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 2023-10-04 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: VA

Complaint narrative:
On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with XXXX, XXXX and equifax. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
fraudulent account made by identity theft. A man name XXXX XXXX who I worked with acquired my social security number by looking at my old tax returns while I wasn't present. He started a XXXX phone service account in my name which later went to collections. XXXX is aware and still has not removed the account. they sold my personal information to a third party which they shouldn't have had in the first place. This account should not be furnished on my consumer report as they are in violation!!!! Under

15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am not liable for this debt owed to XXXX for {$3100.00} ..I did not sign a contract with Jefferson capital system , there this is not my debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-10-04 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: CA

Complaint narrative:
On Monday, XX/XX/2023, a Wells Fargo agent called me to inform me of suspicious activities in my account. He explained that he needed to verify certain transactions, and we went through each of the ten transactions individually. During this review, we identified three unauthorized withdrawalstwo of {$500.00} each and one of {$200.00}, all from non-Wells Fargo ATMs. The total amount of these unauthorized transactions was {$1400.00}. The agent asked me to confirm if my debit card was in my possession, but upon checking, I realized that I had misplaced it. When I informed him of this, he asked if I had allowed anyone else to use my debit card, to which I replied in the negative. 

As a precaution, the agent decided to deactivate my card and arrange for a replacement. During our conversation, I mentioned that I had recently sold my XXXX and had forgotten to factory reset it, potentially leaving personal information on the device. The agent filed a claim regarding this issue and assured me that I would receive my new card within 5 to 7 days. Additionally, he mentioned that they would provide an update on the claim status within 10 days. 

However, on Friday, XX/XX/XXXX, after about 10 days had passed, I had not received any updates on the status of my claim. Consequently, I decided to call Wells Fargo to inquire about the situation. To my surprise, they informed me that my claim had been denied, as they believed the unauthorized transactions were either made by me or someone I had given permission to. I vehemently explained that I had not authorized these transactions and reiterated the circumstances : the sale of my phone and the loss of my debit card. Unfortunately, they maintained their stance, stating that there was nothing further they could do to assist 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to a supermarket on Saturday XX/XX/XXXX. XXXX XXXX I swiped my card twice and inputted my pin. My bank declined it twice. I called my bank and when I called my mobile app showed I was charged although both transactions were declined. I was not allow to leave the supermarket with my groceries. I submitted a dispute and CITI Bank refused to give me my money back. I submitted another dispute on XX/XX/XXXX, sent a receipt showing the amount and that I was never charged. Furthermore the Supermarket sent me an email explaining that the charge never went through. They sent me the error messages their bank received. Citi bank has refused to work with me, they have refused to speak to me. Managers continue to hang up the phone. The supermarket never received my payment but Citi bank too my money. Furthermore the day in question Citi bank admitted that they were having technical issues and continue to refuse to give me my money back.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX reporting. Please see the submitted documents. The account needs tin be removed.

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 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
A fraudulent loan was taken out from my bank, Navy Federal Credit Union, in my name on XX/XX/2023 in the amount of {$7000.00}. I spoke to someone in the fraud investigation department, and they said I would know more information about the status and outcome of the investigation in a few days. I called back several times to check on the status and details of the investigation. There were no notes in my account that any other representative could see regarding the conversation I had with the fraud investigator, so no one I spoke to had any knowledge of or any information about the fraudulent loan. I still dont know the status and details of the investigation. The account is being reported on all of my credit reports and accruing interest. The first payment is due next month. The is one of my worst nightmares.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have an AT & T Universal Rewards Card from Citi. My XX/XX/2023 statement had an interest charge of {$30.00}, even though I had paid the balance on my XX/XX/XXXX statement fully and on time. I challenged the interest and received an update on XX/XX/XXXX that stated, " We've determined that your account is not eligible for a credit of the finance charges '' and nothing more. After I challenged my XX/XX/XXXX statement, I received an update on XX/XX/XXXX that stated, " interest charges for purchases, balance transfers, and cash advances accrue from the date the transaction is added to your balance until payment in full is credited to your account. This means that you may be assessed interest charges for the time between the date your last statement prints and the date your payment is credited to your account. Please see your Card Agreement for further information about how interest charges are calculated. '' This is not the way my account has always worked : interest was only charged when I did not pay my balance on time. I challenged my XX/XX/XXXX statement and requested a copy of my Card AgreemenXXXX. After I challenged my XX/XX/XXXX statement, on XX/XX/XXXX I received a copy. It stated, " You wont pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Citi Flex Plan Payment Amount, in full by the payment due date shown on your statement each Billing Period. We call this a grace period on purchases. If you dont pay your Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date in a Billing Period, youll pay interest on your Purchases from the date theyre posted to your Account. You also wont have a grace period on Purchases again until you pay the Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date 2 Billing Periods in a row. '' I quoted this passage in my challenge to my XX/XX/XXXX statement. I have not received a response as of XX/XX/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 2023-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Payments and pay off amount have not been updated since XX/XX/2023. Therefore my credit score is not reflecting correctly and it cost me the purchase of my home! I have called numberous times, so did the lender and yet nothing no answers. Every time I call I get the same response I will get a call within an hour and no one has ever called back. I have email with no responses to the supervisor any attempt the company has failed to answer for the last 3 Months.

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 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A 20 % discount was marketed on the first purchase for an approved credit card application. I applied and was declined at the store in error. My credit is immaculate so I called XXXX and was told my application was indeed approved. I was marketed a discount and declined in error- never received my discount and had a hard credit bureau hit for the sole purpose of redeeming the 20 % off a large purchase. I did what I was asked to do to receive the discount ( opened up a card ) yet never received 20 % off a {$220.00} purchase because I was communicated by the associate that my application was declined, when it was actually approved. I would like my {$44.00} refunded which is the discount I would have received if the card was not incorrectly declined at the store, while all the while actually approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Told cashapp I transferred money for an apartment and was not given keys after money was transferred to the person i was told they could do nothing about it i was told to request the money from the fraudulent person which of course I didnt get back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CAPITAL ONE XXXX XX/XX/2021 {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I called Citi visa costco card to remove me as an authorized signer.I was told they needed to speak to the primary on the 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Genesis Collections is falsely using the company XXXX as their caller ID to make people answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX  reporting. Please see the submitted documents. The account needs tin be removed.

Company response to consumer: Closed with explanation