vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: AL

Complaint narrative:
Accounts : XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, 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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Purchased XXXX XXXX XXXX wireless through CapitalOneShopping portal on XXXX, which promised to provide cashback of {$120.00} per line. I have purchased 4 line on aforementioned date. Same has been recorded in CapitalOneShopping portal with Trip id as XXXX and Order number as XXXX, but instead of wireless purchase it tracked as XXXX XXXX purchase with {$40.00} as cashback. I tried to reach to CapitalOneShopping on following dates XXXX, XXXX, XXXX and each of the time CapitalOneShopping asked me to wait until 90 days to adjust the transaction. Then XXXX XXXX posted with {$40.00} as cashback, i contacted CapitalOneShopping and they shut the door saying transaction is not tracked properly we provide {$120.00} as courtesy instead of original {$480.00}. 

Would like CFPB to get this remaining amount ( XXXX ) for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LendingUSA
State: NY

Complaint narrative:
IT WAS STOLEN MY PERSONAL INFORMATION, WAS STOLEN, I NEVER HAD BUSINESS WITH LENDINGUSA. 

EXPLANATION 1-ALL THIS IS FRAUDULENT WITH FALSE STATEMENTS.

2-I NEVER SIGNED ANY DOCUMENTS WITH YOU ( LENDINGUSA ) 3-NOW THEY ARE GOING TO SEND ME FALSE DOCUMENTS AND STATEMENTS.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am requesting a temporarily BLOCK of the following account because its inaccurate, Wrong, Scamming consumers, Didnt respond correctly to the issue and 10 times they violated the FCRA sections. This account is hurting and violating a comfort of my life which is my CONSTITUTIONAL right. Is there anyone or any business can do whatever they want? If yes than Ill do whatever I want and nobody can tell me that I didnt follow US law. If this time this account still in my credit report and didnt make any changes I will violate the law like this company is doing and no one can stop me for anything. If XXXX  and CFPB are Government organizations and they handle all businesses across the United States, they have to take this meter seriously and block them for future reporting. Last action and If I receive letters from bureaus which contains ACCOUNT IS VERIFIED AND ACCURATE, dont be surprised that I will do same violation. 

CFPB PLEASE HANDLE IT I HAVE NO NERVS AND I ALMOST BECOMING 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 2024-02-21 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING IS NOT LICENSED TO COLLECT ON DEBT IN THE STATE OF ALABAMA Account : XXXX  XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I have urgent transaction and picked 2 day service after paying a premium of XXXX per $ transfered for XXXX XXXX  XXXX XXXX 2 transfers Called several times yesterday and today, they are ignorant, lying that the fault is with receipient bank, called reciepient bank and they confirmed that the issue is not their fault. 
They have not only stollen my premium but I have incurred call costs over {$50.00} international and local, over 5hrs, my dad is sick due to high pressure due to this issue, myself, brother, mother XXXX XXXX, I also had XXXX XXXX  today due to XXXX. 
This money was meant as a time sensitive payment for a divorce settlement to prevent eviction and home sale, please check in with me the actual amount of the damage before the claim is finally closed after the investigation Checking ID for 3 days, the id is already there with them from before its not even the first time that I made a payment to my brother this month and they have already, fraud checking for my brother, 5 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. For mobile transactions funds will be paid to receivers XXXX account provider for credit to account tied to receivers mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions. They are trying to hide behind this clause but there were no regulartory issues related to ID and fraud, they already had my brother 's id from a prior transaction which they can link to this transaction because this is 2024 and there is no fraud its my brother they dont need 5 days for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Equifax credit report and I noticed an inaccurate late payment reporting with one of my accounts. The other bureaus do not report this inaccurate late payment from my credit report. Please see attached file below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Shortly after I received the card I had problems accessing my account to make payments. For the first 2 months I didn't have any problems and was able to make the payments on time. Then all of a sudden my account was restricted and has not changed since. I can't log into my account via the Capital One app or the website. I called several times and spoke with representatives that could not help. I was told they would have a supervisor try to figure it out and get back to me. That never happened. They were only able to get me to regain access to log into my account which was only temporary. I was able to attempt making a payment but it was rejected due to account restrictions and was not completed. I tried with a debit card, another credit card, sending money order, as well as cash at the Capitol One ATM and all were rejected. I kept getting a message to contact support to resolve the issue. Due to this account problem, the monthly bill and interest kept adding up. The bill went from {$25.00} a month to over {$300.00} now. I am currently more than double over my credit limit and approaching charge off in less than 30 days. Eventhough I have had this problem for 6 months and spoke to customer support several times, they still keep reporting missed payments to the credit bureaus and my score has decreased dramatically. I have received email offers and phone calls from Capitol One to make lower payments and I accepted the offer to which the payment would be {$50.00} a month for 2 months to bring my account back to current status. This was set up by a representative over the phone. When I had tried to make the {$50.00} payment it to was rejected and prompted me to make a minimum payment of {$230.00}. I keep getting calls from them asking for payments and threatening charge off but they will not accept any payment I have tried to make. I was also told that they can see there is an error on my account but can not fix it over the phone and I would need to go to a branch and sit with a manager that could help me. I live in XXXX  and the nearest branch is in XXXX XXXX. That's ridiculous. Still to this day my account has been restricted and I am unable to make any payments. It seems like they are not doing anything at all to fix this problem. Being a Capitol One customer has completely ruined my credit and I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have attempted to make payments validly more than 30 times over the past month. BMO Bank has canceled almost all of them, even though they were valid. I have attempted to call them 10 different times and have spoken to about 20 different people to try to resolve the matter.

They have claimed a problem with their computer system, and then they claimed I need to update my computer and application, but none of those things are valid. Everything is up-to-date.

They still have not provided any resolution in our continuing to charge me interest, because I can not put the payment through any other way without paying them fees. The other methods they have provided to make a payment require me to pay additional fees.

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 2024-02-21 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: CO

Complaint narrative:
Checkr has provided information on several reports that violates reportable information laws in Colorado, where I live. Informed several times of their mistake, the support refuses to correct my reports to include only legally reportable information. Currently I have an outstanding bgc that is over 30 days old and checkr continues to lie to me about a state being responsible when they have successfully started and completed XXXX other XXXX  since this one was initiated. They provide me false answers each time I inquire. This company needs punitive fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is holding a rent relief check. They closed my account of 20 years and are holding the funds. We deposited a third party check and followed all the instructions from them. They keep saying that that the number for the owner of the check does not have a verified number but it is verified. We got a notary with a signature. All the information is fine except the number that they keep saying is not verified. It is verified from XXXX. They closed my account after 20 years of business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are unauthorized inquires that I do not recognize. 

XXXX ( XXXX ) Inquiries in Total : ( XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Please note inquiry date XXXX appears twice on my consumer credit Transunion report ) ( XXXX XXXX XXXX XXXX ; XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX 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 2024-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Opened a USBANK account about a month prior. Both a personal checking and Business account. 

Received a wire from friends the Company XXXX XXXX  in XXXX TX Attorneys funding my business for {$100000.00} The wire arrived Wednesday, money wire cleared Friday and I went to the USBANK branch, received a casheirs check for {$40000.00} and {$10000.00} cash advance. Leaving a total of {$49000.00} in one account and {$7000.00} in another. 

Sunday I went online with the USBANK account, scheduled a wire for the following business day Tuesday due to bank holiday presidents day and also a zelle to a friend for {$1500.00} The account signed me out and message box appeared telling me to call the bank. 
I did and while I was on the phone I was told it was due to my VPN used. 
My daughter has also been provided by myself with my log in details incase she was in an emergency situation with my XXXX  on the XXXX XXXX. 

At that time while on the call another USBANK line called in, someone asking me many questions who was the originator of such a wire? why did I open a USBANK account? what money was I sending and why? 

I was told the account is NOW CLOSED we do not want your business and if after research we deem this transaction is legitimate we will return your funds in a formal check, no email or phone communication will be made only a check in the mail. 

When I asked about the time frame, I was told we dont know? 

I checked the account XXXX  expecting the account closed it was not only online access blocked and I could only be allowed to hear the balances in the accounts. 
{$49000.00} in one and {$7000.00} in another.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I have sent an order for a cease and desist I am using this site in place of a law suit this will serve as my final warning to this company Ive sent in a cease and desist! Please get them to adhere to the federal guidelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Acct ending in XXXX In XXXX when attempting to make an on time payment on XX/XX/2023 I learned that my payment would be late because it was after XXXX. When I spoke to the representative she advised that there is a cut off time which I never was aware of in the 2 years having the card. She also advise that no adjustment could be made on a closed account. I was not aware that my account was closed and why would it be given that the account is in good standing and has never been late. The account online still shows my available credit to use. 
The company is forcing consumers to generate a late fee even though I am paying in the due date. In addition, when I tried to make a payment at XXXX on my due date I also generate a late fee and after speaking with escalation XXXX , with his rude behavior advise me that my account was eligible for any adjustments because my account was closed. I explained to him that I was told by a rep in XXXX that she was escalating my account and things would be fixed on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I feel taken advantage of as a consumer. My credit report is reporting inaccurate information that was never fully verified to me by this bureau when requested.

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