vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


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 explanation
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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I have had a Barclays AA card for 16 years. My husband and I share the account but I am the only one that uses the card. Every time there is an issue with the card they need to speak to him, even though I am authorized user and have been assured that now they have that information and it will be noted. 6 weeks ago I noticed fraudulent activity on the account, I called immediately and they shut down the card and said they issued me a new card. That card never came and my online statement was never changed. I called a second time, they had no record of my previous call, went through the entire process again, waited for my card only to receive a card with the same number and security code. Seemed like a mistake since whomever frauded the card would have all the information. I call again, no they say use the card at which point I check on line and the people using the card fraudulently have beaten me to it. So I spend another 90 minutes going through all the charges and getting a new card issued and expedited shipment. Receive new card do not activate it bc I have no confidence left in Barclays the issuer of the card. Today got on the phone to pay my bill its due today gave them weeks to reconcile the numbers and I wanted to pay adjusted statement balance in full to avoid interest ... no one could help me I sent what I believe is proper amount to cover last months statements but have no confidence that I won't have interest. They wanted me to pay XXXX to avoid that when what I feel I owed after fraud was XXXX. The card is issued through Barclays and it is the AA Mastercard XXXX that accumulates Air travel points through XXXX XXXX ... consumer beware their customer service is awful.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My tax return was deposited into a deactivated account with credit karma spend account the deactivated account had my maiden name on it they sent a check with the wrong name to the wrong address in 25 business days they have corrected my name but have not reissued my check or deposit into any account I have called this but when numerous supervisors that have sent me numerous emails even one saying the problem has been fixed how would you like your money and then they stop responding I feel they have stolen my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: MO

Complaint narrative:
XX/XX/XXXX Alliant Capital Management called me while at work about a bad debt, I missed the call. They then turned around and called a family member gave them all my debt informationon when the debt was taken out, how much it was for and that I had made 4 payments on it before I stopped on it. I called back and the lady at alliant capital told me that she was attemptng to reach me for the debt, and that I had to pay today or else action would be taken. I had already enrolled this bad debt in a debt relief program in XXXX, they are just working on neogiation the debt down and it was sold off to this new company. I thought I was doing the right thing by enrolling the debt in a program, but I am so mad they gave my family member all my personal information about the debt. I dont think that is legal.

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: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: GA

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

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

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

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

Company 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America/ claim # XXXX. 

My checking account check was altered and counterfeited. Check number XXXX was counterfeited and used against my account fraudulently, which funds were taken from my account in the amount of {$480.00}, without my permission. The account holders name does not reflect my name. I made complaints to Bank of America and officials cited that I filed a complaint after the 60 day window, and my claim was denied. It should be noted that my mother had a XXXX and I was occupied with family matters. Subsequently, the bank requested my mothers information to support the claim. The issue is my mom is in a skilled living home and I can not obtain her medical information due to HIPPA requirements. 

Please help me resolve this issue as a victim should not be liable when counterfeit/ fraudulent use was used against my account. I work hard for my money and hope the funds are credited. Additionally, the bank cashed a check that was not even in my name as the account holder. Who is protecting the consumer?

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 — Information belongs to someone else
Company: CL Holdings LLC
State: GA

Complaint narrative:
I believe my identity was stolen in order to fraudulently create an account with XXXX. I have never had an account with the company or Jackson Capital System.

Company response to consumer: Closed with explanation
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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/2024, Robinhood notified me that my accounts were " under review due to unusual activity '' but did not provide any additional information. Robinhood says " no action needed '' at this time but has frozen my trading accounts, not allowing me to open new positions or transfer funds, with funds available.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to complaint to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
Inquiry details ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX CO XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateIn accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I have been a loyal Credit Karma account holder for years. Ive always had my IRS check deposited into this account with no issues. As of late many Credit Karma clients have had their accounts closed with no factors disclosed. If you check XXXX, you will see many clients have this issue with their account being locked while either having an IRS deposit on the way direct deposit on the way, or having funds already established in the account in which they have no access to.

According to the FDIC, we are entitled to our money up to a certain amount, so Im not understanding how this is legal, as well as possible. I have a current check on the way from the IRS that will deposit within XXXX business days but I wont be able to have access to it, as they have locked my account and refused to disclose any information as to why or how I can get it reopened. Its nearly impossible to get a hold of customer service via phone. This will be taken up to FDIC to get my wages sent to me in good hands. Hopefully it can include interest.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
1. I opened the account on XX/XX/XXXX and they immediately charged me {$95.00} for yearly fees ( because it was the last day of the year ) 2. I made my payment on XXXX for {$5800.00} and even though my balance was XXXX for XXXX work days, the bank charged me an additional {$5800.00} on XXXX overdrafting my checking account. 
3. I called on XX/XX/year> ( case number XXXX ) to request my money back and they claim the refund will take XXXX work days ( without paying me interest for my money ).

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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: VA

Complaint narrative:
This pertains to a potentially fraudulent debt collection issue involving the XXXX XXXX. 

My lease at the property ended on XX/XX/XXXX. I submitted an intent not to renew in a timely manner, paid my final balances, and scheduled and completed a successful, in-person move-out and walk through process with property representatives. 

The account was closed. 

In XXXX, XXXX, I received a collections notice for XXXX XXXX from I.Q. Data International. However, I was not and would not have been living at the property- my lease was up and I was moved as of XX/XX/XXXX. 

No one from XXXX XXXX ever attempted to contact me at my contact about billing or any discrepancies ( email, phone number, forwarding address ). 

The original collections letter indicated negative impact to my credit score and history. 

In XX/XX/XXXX I corresponded with the XXXX property XXXX with proof of my lease, which ended in XXXX, XXXX, paperwork and photos about my move-out, up-to-date ledger and payment information to show my account had been paid in full upon move-out. I was sent back a ledger for XXXX. As explained, I was no longer a resident, was not living, there, nor did I have an active account. Documentation was provided to the property manager. Attempts at future communication went unanswered or were ignored.

I followed up with I.Q. Data International and then mailed XXXX page documentation disputing the claim to I.Q . Data International as requested to their address XXXX XXXX XXXX, XXXX, Washington XXXX. 

I have a duplicate copy of the disputed claim that was mailed in XXXX, XXXX. 

There was no communication, replies, follow-up communication or attempted communication from either company after I disputed the claim. 

More than XXXX years later, on XX/XX/XXXX, another letter was mailed trying to collect money, with interest and indicating negative impact to my credit history and score. I called the company who refused to provide information over the phone. 

I believe this is an attempt at false debt collection with intimidation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( 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 instructions of the consumer to whom it relates.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( 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 instructions of the consumer to whom it relates.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

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