vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
I reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is 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 2024-02-24 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 reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of fraud from 2 data breaches at XXXX XXXX XXXX in XXXX and XXXX of 2023. Several applications for credit cards were submitted in my name with different addresses to send the cards - XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, THE HOME DEPOT, and more. Because I already had credit cards with these companies, none were issued to the fraudulent applicant EXCEPT THE HOME DEPOT. Despite already having a XXXX  Credit Card, Home Depot doubled my credit limit and sent a card to another address than the one they have for me. Someone in XXXX, XXXX miles away from my own address, charged {$830.00} on this fraudulent card. I did not drive to XXXX and did not charge anything at Home Depot since purchasing my XXXX XXXX, ON-LINE, over a year ago. I am a renter, and all repairs and upgrades to my apartment unit are handled by my landlord. Despite filing a complaint with the Home Depot, XXXX, and XXXX, Home Depot 's " investigation '' determined that I made the fraudulent application for a card I already had, drove XXXX  miles to the Home Depot in XXXX, bought {$830.00} of things I never buy at Home Depot, and that although I already had a Home Depot card, I applied for another one fraudulently. If you look at my credit report, you would see all the fraudulent applications made in my name at the end of last year after the data breaches of a medical group of which I was a member. You will also see that all those applications were denied by the creditors because I already had a credit card with those institutions. Home Depot should also have denied that credit card because I already had one, and the new application had a different address than my own.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2024 - I called USAA requesting a XXXX XXXX for the sale of existing home, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was referred to XXXX. 

XX/XX/2024 called XXXX and requested the XXXX XXXX They told me that I would be mailed a letter with a link and a code in XXXX days to retrieve the report. 

XX/XX/2024 received letter from XXXX, and logged into their site and downloaded the Consumer Disclosure Report. Page 51 of that report shows the address for a home that we do not currently own or insure. 

XX/XX/2024 Called USAA on several occasions this day. Spoke to XXXX and XXXX with the XXXX XXXX business for USAA. On those occasions we were told to call XXXX @ XXXX to resolve the wrong risk address in the XXXX  report.. 
We reitterated that the data was retrieved by XXXX, USAA generated the data based on a request for a Home Owners Policy and that policy was not in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against [ Professional Debt Mediation ] Dear Sir/Madam, I am writing to file a formal complaint against [ Professional Debt Mediation ] for violating my consumer rights under various laws and regulations. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Additionally, the collection agency is using false, misleading, and deceptive means in its collection efforts, which is a clear violation of consumer rights. They do not have the authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I hereby dispute any and all debts to [ Professional Debt Mediation ] and revoke all rights for them to communicate with me via email, texts, or calls. I request that they provide debt validation and furnish the purchase agreement between them and the original creditor. I also request proof that they are licensed and bonded to operate as a collection agency. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against [ Professional Debt Mediation ] for their violations of consumer rights and laws. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/2024, I have received a document from your bank regarding some dispute request on some credit card. The document does not have any information to tell me which credit card your company meant. Also, after checking the Bank of American online account, I could not recognize the case number. The case number of the document does not correspond with the case numbers on the documents kept in the bank website data. Therefore, I request your company investigate the document mailed to me. 

Sincerely,

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 2024-02-24 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: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B. 

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that Experian, XXXX, and XXXX remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: PA

Complaint narrative:
hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX point for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot XXXX to get a place to live, bank accounts or credit because of thus theft. please help 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 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Each month I have a {$210.00} payment for my XXXX XXXX. In XX/XX/2024 I sent in a payment to Mohela ( my student loan servicer ) and the check cleared my bank ( showing a check cashed by Mohela on XX/XX/2024 ). Then I kept getting late notices from Mohela - stating they did not have my XX/XX/2024 {$210.00} payment. I called them twice and emailed them as well - they denoted they had no record of my payment. I informed them that a check for {$210.00} cleared by bank on XX/XX/2024. They still denoted they had record of my check ( and payment ). Mohela is sending me late notices - I even emailed them a copy of my bank statement showing Mohela processing a check for {$210.00} on XX/XX/2024. 

I have emailed Mohela and called them- and they still can not validate my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: IL

Complaint narrative:
So, on XX/XX/XXXX, I paid off this account. I paid XXXX to pay this account. The payment cleared my bank account XX/XX/XXXX. I am providing a confirmation letter to confirm that they received the payment. But the issue is that World Finance Corp. is reporting this account incorrectly. Instead of showing closed and paid as of XX/XX/XXXX. It is showing Charge-off and updated as of XX/XX/XXXX. I have disputed this account before because the information was incorrect. Also, it is being reported as a medical debt, which it is not a medical debt. XXXX as of XX/XX/XXXX, shows it as a medical debt and charge-off with a status update for XX/XX/XXXX making the collection account only one month old which is not correct. For XXXX it is being reported as a brand-new collection as of XX/XX/XXXX. It is marked late XX/XX/XXXX ( 30 day late ), XX/XX/XXXX ( 60 day late ), XX/XX/XXXX ( 90 day late ), XX/XX/XXXX is marked as a collection and XX/XX/XXXX is also marked a collection. Also marked as an " unpaid balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My XXXX passed away and I found paperwork for an account with Santander Bank. I called to see if the account was active. They wouldnt let me know this. I have the account number and her SSN and DOB. They said at a branch I could get this info but the closest branch is XXXX miles away as I live in Florida. I spoke to XXXX XXXX. He wouldnt help with anything and told me a manager would not even speak to me to try and resolve. XXXX  - call center manager did speak to me, she was unprofessional and hung up on me. She wouldnt share her title, her location, her id number, her location or other information. She was the rudest person Ive ever spoken to. I never did get the answer to my question on weather my aunt has an account. They wouldnt provide an address or email address to get an answer to this question. They clearly do not want to release any funds she may have had. This is a violation of policy to not want to release death proceeds. They wont even get me an answer if she has an account with thier branch.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Bestbuy/CBNA is reporting 4 wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company is violating my rights this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and XXXX XXXX XXXX XXXX XXXX XXXX violation. 

In addition, my credit report report is supposed to be 100 % accurate. This collection agency has published false misleading misrepresentation and/or deceptive information on my consumer report which has damaged my credit. 

For this reason, I am requesting debt validation, the purchase agreement between the original creditor and your company and lastly please provide proof that your company is licensed and bonded. Please cease all emails, calls and other forms of communications unless you can provide this information in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello I received a {$300.00} credit limit on a Venture XXXX card I think this is very low credit limit and I have a good credit score of XXXX with XXXX and this is a mistake on XXXX  XXXX end and I would like a second review on this account and a larger credit limit increase not sure if they want to pull the other XXXX bureaus or not I will give them permission to do so. 


{$300.00} limit is not that limit I wanted on this account please review my account for credit limit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to my credit reporting agencies my credit cards are owed at balance. Unfortunately, the balances are old from bankruptcy discharge or extremely old from the past 10 years. This reflection is causing a serious impact on my credit from lenders. All three credit agencies have yet to remove past good or bad credit in order for consumers to gain fair review from lenders. They continue to list 30 % of debt with {$6000.00} in credit that doesnt exist. They have also failed to remove old credit that shows derogatory thats over 7-10 years old. Therefore, me being a consumer has been trying to improve my credit for years but still havent gotten anywhere. Please help please request my credit report from Experience since your information is on their account 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 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
On XXXX, XX/XX/2024, Hunter Warfield sent me, an attorney, a residential collection letter. First, the balance wasn't correct, and second the amount was paid off almost a year ago. Due to tactics the company has had in the past, it would not surprise me if this was a completely fraudulent attempt to try to collect money. They're not in compliance with federal or New York state laws by pursuing this previously paid income. As an attorney, I will pursue all possible remedies if Hunter Warfield attempts to collect this money any further, including if this is included on my credit report at any point in time. This includes raising the case with the New York attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Veros Credit, LLC
State: FL

Complaint narrative:
This debt is in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been using Chase since college, for almost 7 years. When the school year started, they closed my account right after my parents sent me money for tuition and said they needed to close my account but would send me the remaining money back. However, I have been waiting for half a year and still have not received my money back. The problem is I am graduating this XXXX and will be leaving the US. I do not know if I can get my money back before I leave. If I do not, then it means I will never get the money. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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 recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B.

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that XXXX, XXXX, and Transunion remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B.

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that XXXX, Equifax, and XXXX remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.

Company response to consumer: Closed with non-monetary relief