vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I am reporting deceptive business practice with XXXX XXXX and The collection company States Recovery Systems. I opened a credit loan with XXXX XXXX in XX/XX/XXXX. My loan went into default and was closed XX/XX/XXXX. The account was charged off {$2200.00}. My original account number with XXXX XXXX was XXXX. This account was turned over to the collection agency States Recovery on XX/XX/XXXX with a balance of {$2800.00}. For the past year I have been reporting to the credit bureau inaccurate information reported to my account by both companies. First, both companies are reporting that I have balances on my account. Secondly the original charge off dates have been moved up to XX/XX/XXXX. And thirdly, States Recovery is reporting the account with a different account number, XXXX, to appear as if its two separate accounts being reported with their balance at {$3500.00}. They can not charge me twice for the same account. I have made several attempts to correct this issue with the credit reporting agency but they are saying the two companies are coming back with the remarks of all information is being reported correctly. Please investigate and either remove both from my credit file or remove the account that is being falsely reported. This is damaging to my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received a Visa Debit Gift Card on XX/XX/XXXX for {$470.00}. On XX/XX/XXXX I had a balance of {$310.00} on the card and the card stopped working. After calling customer service I discovered that someone else was attempting to steal the card because that person requested a replacement card, which apparently was issued and made my card stop working. I had to send in documents to the gift card company to verify I was the true owner of the card, and a new card was sent to me in XXXX. However, the balance on that card was only {$310.00}, the {$5.00} fee was not returned. I could not activate this new card, as the security code on the back did not work when I entered it on the website or by phone activation. On XXXX I called Customer Service again and they issued me another new card and charged another fee of {$5.00}. On XXXX I called about the fees and they only refunded XXXX of the {$5.00} fees. My new card has been working, but my balance is still off by {$5.00}. On XX/XX/XXXX I called customer service and asked about the {$5.00} fee. I was told I would get a result in 10 days. The fee was not reversed. I called customer service again on XX/XX/XXXX and I was told all fees have been reversed and the person hung up on me. I called again, and talked to another person in customer service who would not give me their name for security purposes. They told me the fee could not be reversed because a new card had been issued and fees can not be reversed once new card is issued. I asked to talk to a manager and then they hung up on me. My current balance is {$5.00}. I did not want to zero the balance in case the card would be closed if that happened. My balance should be {$11.00}.

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 2023-11-15 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: NJ

Complaint narrative:
I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2023-11-15 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: NJ

Complaint narrative:
I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ).

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I tried using my debit card on Monday the XXXX, it was declined, I called the bank they stated that they are closing my account with no reason or explanation. I called multiple times to get this fix, its still no response. They have my money XXXX dont have access to any type of money at all. I have XXXX kids to feed and my next paycheck not until XX/XX/01. What Im supposed to do for next XXXX week without any money. Ive been very stressed about this situation. I will be bring this to social media. Its unfair and its not right. Chase bank is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX XXXX XXXXXXXX XXXX reported late payments on my consumer reports in XX/XX/XXXX ; XXXX, XXXX, XXXX, and XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I never gave XXXX XXXX XXXXXXXX XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) 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 on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a complaint against XXXX and Experian regarding collection accounts from XXXX XXXX that are listed on my credit reports. XXXX and Experian consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.

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 2023-11-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file : XXXX XXXX  XXXX Account Number : XXXX - inaccurate address I am formally requesting the removal of this item from my credit report. 

Please conduct a thorough investigation into this matter and promptly delete the inaccuracy. 

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 2023-11-15 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX 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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I recently opened a Citi credit card account in XXXX of XXXX. I have made on-time payments and remained well within my credit limit when using the card. 

On XX/XX/XXXX I made the minimum payment of {$230.00}. Every payment prior I have paid above the minimum payment. 
On XX/XX/XXXX I received an email from Citicards that due to information from my XXXX report they have reduced my credit card limit by {$1800.00} leaving an available balance of {$85.00} that prior to the payment was {$2300.00}. 

Per XXXX my credit score was XXXX with 100 % on time payments. 

I have made on-time payments, have not exceeded the card balance at anytime and have maintained in good standing with Citi and my other financial obligations. 

I feel this tactic now will force me to either pay the card off wholly or make a bigger payment than one can afford monthly. I find this practice unethical and know that I am not the only person this has happened to. 

It is curious that they can pull this information anytime, yet they wait until after the payment is made. Still with no foundation as to why and what they are looking for. 

I reached out to CITI customer service and after refusing to accept the referral to ask the Credit Reporting Company I requested a Supervisor. The Supervisor at that time was unable to offer any insight other than the standard factors that are looked at when granting initial credit. But this credit is established. 

I hope the CFPB is able to investigate and offer insight as to why CITI and other credit cards ( XXXX ) are able to manipulate your balances without direct cause or reason, ultimately causing undue financial hardships on the card holder when you have remained in GOOD standing. 

Thank You!

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX, not on behalf of our individual consumer client who had this debt, because I would like CFPB to be aware of Cavalry 's practice.

A couple of years ago, we helped a consumer vacate a renewal of judgment on an old credit card debt with an alleged charge-off date in XXXX. The judgment is not enforceable, and the debt is too old to report on the consumer 's credit report. 

However, we received a collection letter today, addressed to the client c/o our office, stating that she owes the debt. There is no statement clarifying that it is too old for them to report on her credit, and in fact one of the disclosures on the back implies that they will report on her credit. I have attached a redacted copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: U.S. BANCORP
State: NY

Complaint narrative:
i never applied for a loan or anything with this company

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 2023-11-15 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: AL

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Experian Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX inaccurate address Account name XXXX XXXX XXXX  Account number XXXX inaccurate address I am requesting that these items be removed from my credit report. 

Please investigate this matter and delete the inaccuracies as soon as possible. 

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 2023-11-15 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: PNC Bank N.A.
State: VA

Complaint narrative:
I paid {$31.00} on XX/XX/2023 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is a fraudulent stamp seller. They call themselves XXXX XXXX XXXX. The payment in my checking account reads as " XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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:
I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2023-11-15 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: PA

Complaint narrative:
I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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