vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: IN

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 2024-03-07 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
On XX/XX/2024 I received the latest of at least three text messages from Spring Oaks Capital , LLC alleging that they want to collect on an Indigo XXXX account originated by XXXX XXXX. I have never had any accounts with XXXX XXXX or an XXXX XXXX issued by any other financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX 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 explanation
Consumer complaint received 2024-03-07 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: FL

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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitol One Auto has reported my account since last year XXXX as a charge off and my account had not and has not been charged off. For the months of XXXX, XXXX and XXXX, they reported my account as a charge off. Even though I am trying to catch up on my payments, it was still reported as charge off. I spoke with Capitol One about the incorrect reporting and was informed by an agent that customers had been calling in about the incorrect reporting and that they were trying to fix it but wasnt sure why it had happened to a number of people. As of today XX/XX/XXXX, the charge off is still showing on all the credit bureaus from Capitol One reporting it as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I called to dispute 2 unknown transactions. US Bank then told me that they are locking the account due to fraudulent activity and opening a new checking account for me to use the current funds left in the account and to refund the funds that were taken. They also told me that they would move the funds left in the account and connect my debit card to the new account in order for me to use the funds. Instead, the next day someone reached out to me via phone call and left a message letting me know that I would have to call a number to verify some information in order for then to open a new account. I called the number and they told me that they had nothing to do with opening my new account and to talk to the fraud department. Then they proceeded to switch me back and forth between departments because no one knew what was going on or who to talk to. Then after being switched around XXXX times they told me that US Bank made the decision to end the relationship and I couldn't have a new account opened. They locked my debit card as well so I have been unable to use my funds. They refunded my account from the fraudulent activity and the money is just sitting in the locked account for no reason. I have rent due and other bills to pay that have been delayed and late fees added due to no one at US Bank being able to tell me when my account will be closed and they send me 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase does not provide transaction/tax information for closed accounts. As such, I am not able to obtain information needed to file my XXXX  taxes. I have tried to contact them via various media ( their website, phone, email, social media ), to no avail. Their automatic responses lead to calling a phone number, which is effectively out of service, as XXXX receives a message akin to 'all lines are busy please call back another day '. I believe they may be throttling non-premium accounts so as to make it impossible to communicate, without paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding TransUnion and Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681b ) Dear CFPB, I am writing to file a complaint against TransUnion, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) in three separate instances, specifically 15 U.S.C. 
XXXX. 
First Issue : Inaccurate Information - Deleted Account and Remaining Hard Inquiry I successfully disputed an account on my TransUnion report. I provided all the necessary documentation, and TransUnion confirmed the account was deleted. However, they did not remove the hard inquiry associated with the deleted account from my report. 
According to the FCRA, permissible purposes for a consumer report include reviewing an account to determine if a consumer continues to meet the terms ( 15 U.S.C. 1681b ( 2 ) ( A ) ( ii ) ).

Since the account was deleted, there is no longer a valid reason for the hard inquiry to remain on my report. Its presence is misleading and can negatively impact my credit score. 
Second Issue : Inconsistent Treatment of Documentation and Discriminatory Practice I submitted all the documentation and explanations TransUnion requested regarding the disputed account, including proof of its deletion. However, TransUnion rejected my documentation solely because I mailed it from my workplace address, claiming it was from a " third party. '' This claim is demonstrably false as I am employed there. 
Furthermore, I have previously mailed documentation from the same workplace address to TransUnion, and they accepted it without issue. This inconsistent treatment highlights the lack of justification for rejecting my recent dispute documentation based solely on the mailing address, which appears to be a discriminatory practice. 
Third Issue : Inaccurate Information - Balance In a separate dispute, I identified an incorrect balance of {$89.00} associated with a specific creditor on my TransUnion report. The original balance was incorrectly reported as {$480.00}. I contacted the creditor directly, and they confirmed the error and submitted documentation to TransUnion indicating a corrected balance of {$0.00}. However, TransUnion continues to show the incorrect balance of {$89.00} and the related hard inquiry on my report. This discrepancy is reflected only on my TransUnion report, as both XXXX and XXXX have updated theirreports with the corrected information.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My deposit is being held AGAIN for over XXXX days and I want to know the penalty they will receive for doing this illegal XXXX AGAIN!

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 2024-03-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I close my checking account with PNC Bank on Friday XX/XX/2024 and on Sunday XX/XX/2024 XXXX ach a direct deposit into the close account. On Monday I received an email from PNC stating a deposit of XXXX I went to the XXXX, MD branch to see why PNC excepting the deposit and the branch XXXX female of XXXX XXXX origin replied she don't know what will happened.. It's been XXXX Days and my funds have not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Started with covid and Hurricane SallyXXXXDate would have been around XXXX of XXXX.Missed work because of Covid.Then hurricane Sally destroyed my home.Insurance did not pay filed bankruptcy.Mortgage went into forbearance.Have been trying to negotiate since.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Today I called and spoke with representative advising that next month annual fee of {$48.00}, I request account to be closed bc I do not want to pay the fee, she refused, The representatives 1st level are trained to the consumers that UNLESS you pay the balance infill, you can not close the account. In addition, if consumer is not able to pay the balance in full REVVI will then assessed the annual fee of {$48.00}, in my case. CFPB should look in to this bad faith practices. XXXX  I experienced the same with XXXX  XXXX, TOTAL VISA, all belonging to the same financial institution umbrella ). Next, I disagree with the rep and requested an escalation, she said, I do not understand escalation, I said a SUPERVISOR OR ACCT SPECIALIST, she then transferred my call and the SUPERVISOR very quickly closed the account and advised me that the annual fee will not be charged HOWEVER, they will continue to charge a monthly fee of 6-8, which is part of the anual fee. I considered this illegal, excessive fees on top of the 36 % interest they charged me. I had this account for 24 mis, with a credit limit of {$300.00}, never been late and they originally charged me XXXX to open account, XXXX activation fee, a monthly fee with a minimum required payment of {$41.00} Last, when you make your payment it takes them 10-14 days to credit the payment so you're never able to use the full credit available because they generate a statement which includes the excessive monthly fee. 
REVVI has charged me excessive fees in the total of XXXX for a XXXX credit card limit. 
BREAKDOWN XX/XX/XXXX, {$75.00} ANNUAL FEE, {$95.00} ACTIVATION FEE, XXXX MOS {$150.00}, XX/XX/XXXX {$30.00} late fee, payment mad eon the same day, its been under review pending back office approval. TODAY, I was able to stop them from billing me {$48.00} Annual Fee but they want to continue to charge me a monthly fee of {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: U.S. BANCORP
State: MO

Complaint narrative:
US BANK looked into XXXX XXXX XXXX  taking money from our business account credit card- provided a provisional credit and then closed the investigation over me not contacting them fast enough. I appealed and spoke to 'higher ups ' and they still denied to help with the fraud stating it was XXXX who puts the time frame. I had to confirm services were not being rendered. I had to confirm the last date services were rendered to determine when charges should have stopped then reach out to XXXX XXXX XXXX. I needed time to finally get in touch over the phone and then email communications with XXXX XXXX XXXX XXXX and wait for him to not send a refund. XXXX said on XXXX separate dates he put a refund check in the mail. Coming from XXXX XXXX XXXX After the second time- I knew I needed to contact my bank over it being a legit fraud case. It is around {$30000.00}. They did the provisional credit- then reversed it when they said they were closing the investigation and on the same letter US Bank then threatens that if we do not make the payments due on our account they will report us to XXXX reporting agencies. If there is a time limit they knew from the beginning of me reporting this case and they should have never issued the credits as all that did was put the company in a bind and have our XXXX asking a lot of questions. XXXX XXXX XXXX XXXXas blocked us from communication and social media but is still active. I also now know it's XXXX and his Mom and the XXXX would not respond to any correspondence. Now XXXX has changed his company to his name and uses a XXXX XXXX as his picture and not the cartoon picture of him that he used with XXXX XXXX XXXX  but XXXX XXXX XXXX is linked to it. It also no longer says XXXX but now XXXX, XXXX XXXX employees. He is getting away with scamming.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.

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