vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
XX/XX/year> I went to XXXX to see if I would get approved to get a new vehicle. After the seller checking my credit report, appeared that there was an account open under Citi with the amount of {$XXXX}. The person that lived with me knew all my personal information opened a credit card under my name and address under my knowledge. The company denied my claim because it was opened in my address. They did confirm that the billing address has changed to a new one, phone number and email are not my personal ones, they belong to the other person.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Back in XXXX, my car was repossessed due to financial struggles. I managed to gather the necessary payment to reinstate it and maintained daily communication with both the finance and towing companies, informing them of my expected pickup date. Despite notifying them the day before, my car was towed XXXX hours away to an auction. As a result, I had to incur additional expenses to travel and retrieve it. 

After reclaiming my car, my payments were applied to the repossession fees instead of my current payments. This was never explained to me, despite multiple conversations with different representatives. In XXXX, I finally spoke with a representative who assured me that my payments would be correctly reapplied. However, even after continuing to make payments, they were again allocated toward fees instead of my scheduled payments, leading to another repossession. 

I contacted the company and requested an audit of my account to verify my claims but never received a response. When I followed up, I was informed that no such request was in their system. Now, my car is once again XXXX hours away, making it even more difficult to retrieve. This is unacceptable and criminal. This is a setup for financial failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 2025-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
The issue is that they are not responding to my requests, and each time I ask them to review inaccuracies, they mistakenly claim I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, which is not being upheld in this case. 

I have attached a letter requesting them to validate and verify the information to ensure it is being reported completely and accurately.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I've been a Citi Bank Credit Card customer for the last XXXX years. A few weeks ago, I opened a brand new checking account with them to pay my Credit Card bills more easily. 

I also deposited a lot of money there. On XX/XX/XXXX, they emailed me to inform me that my account would be closed, stating no reason. 

I called them today, Monday, the XXXX. They told me that they could not say the reason, but my accounts will be closed in 60 days. They also closed my online banking access. 

I asked them to allow me access to online banking at least because I store my credit card information there. They said it's not possible. 

And then I told them I needed that money in my account. It's my only source of income, my salary. I do need it urgently ; I have my health bills to pay. They said they could not do anything about it, but they would send me a check in XXXX to 60 days. 

I told them I can't live w/o that money for 60 days. It's my whole income. I have bills to pay, and I don't have any other money. They told me to go to the local Citi branch, which they don't have in my city, not even the neighboring cities. 

They said they were sorry, those are my only options. I need my money in that Checking Account and I can not wait 60 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 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To whom it may concern ; I have never had any issues with my XXXX account. I have always followed all rules requiring transactions and forwarding my money to my XXXX account. 

I filed my taxes and chose to have my tax return sent to my XXXX account for free and so I could get my return 15 days early. 

After my funds were deposited I tried to transfer them to my bank account and my XXXX account was froze. I received a email from support telling me to upload my drivers license. I did that and customer support said it should be unfrozen within a few days. But it was not. Then I received an email stating my XXXX account was permanently suspended/disabled and my money would be held for 180 days for loss prevention. Which is not fair because I did nothing to even have my account frozen to begin with. I also did not violate any of their banking rules and did not violate any terms. 

I contacted their help line and tried to get answers which they gave me none. I told them I have not violated any of their terms or banking agreements. I provided proof of identity and even reset my passwords and followed all their rules for reinstating my account, only to be told it was flagged for unusual activity. Which I again tried to clarify and was given no answers. They just flagged my account only after getting my tax return deposited into my XXXX  account. It was in the amount of {$5900.00}. Which is a lot of money to be taken from me for six months!!! For no reason at all.

I would like to have my account and be able to keep it. Or if that's not an option, I would like to have all my funds transferred immediately as I did nothing wrong and have made no transactions to have my funds withheld from me for 180 days. 

I do not understand what concerns they have with the activity. I had my previous tax return refunded to XXXX in XXXX you can see that, and I did the same thing with this years tax return. THERE IS NO SUSPICIOUS ACTIVITY!!!! I deserve to have my funds refunded immediately. I could care less about keeping my XXXX account, but I shouldn't have my funds withheld for 180 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
The problem is that they are not responding to my inquiries, and every time I request a review for inaccuracies, they incorrectly identify me as someone else, even though I have provided all of my personal documents. Under the XXXX and FCRA, all information must be validated and reported with 100 % accuracy, but this requirement is not being met in this case. 

I have attached a letter requesting them to verify and validate the information to ensure it is being reported correctly and accurately.

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 2025-02-24 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.

Complaint narrative:
The problem is that they are not responding to my inquiries, and every time I request a review for inaccuracies, they incorrectly identify me as someone else, even though I have provided all of my personal documents. Under the XXXX and FCRA, all information must be validated and reported with 100 % accuracy, but this requirement is not being met in this case. 

I have attached a letter requesting them to verify and validate the information to ensure it is being reported correctly and accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I received notice that Jefferson Capital supposedly bought a loan from XXXX and that I owe them XXXX. I disputed the amount with them and a credit bureau. I requested Jefferson provide proof of the debt and told the credit bureau it was incorrect. Jefferson sent me a copy of a promissory note to XXXX but did not account for any of the payments I made and provided no proof the acutual amount due. In fact the promissory note was for less than what they claim I owe by almost XXXX. The credit bureau just noted that Jefferson confirmed the amount is correct. Even XXXX  website stated I paid on it and the balance is lower. 
Now I get a notice stating that If I do not pay them a satisfactory amount they are going to forward it to a lawyer in my state to sue- This is a veiled threat despite the fact that they could not provide me with an accounting of what I did pay on the loan The documentation they did send me- the promissory note states that any dispute about this loan by XXXX  or subsequent holders of the loan is to go to arbitration and not a court of law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XXXX at XXXXXXXX XXXX XXXX XXXX via phone I called spoke with a XXXX XXXX requested credit card agreement guide, XXXX transferred call to a XXXX XXXX XXXXXXXX XXXX. requested all copies of documentation related to my account including credit card agreement guide, request contact by mail only. 
On XXXX via phone I called and spoke with a XXXX XXXX XXXXXXXX XXXX Requested Credit Card Agreement Guide and explained to her this is my second request, I explained to her " I know what my rights are per FDCPA, I explained to contact me by mail only she asked about email and I stated by mail only, she agreed and stated they will mail. 
On XXXX I received a white large envelope a total of XXXX pages included the Bill Of Sale and XXXX credit account summary statements, no card agreement guide. 
On XXXX received a thick packet everything but the card agreement guide contract, I never received from this debt collector Portfolio Recovery Associates. I downloaded the credit card agreement guide from paypal the original creditor, I was asking to for it to educate myself about arbitration. I requested to demand AAA Arbitration and submitted the request to Portfolio Recovery and to their attorney office XXXX XXXX XXXX XXXX XXXX on XXXX at XXXXXXXX XXXX and on XXXX I spoke with XXXX XXXX to obtain contact and mailing information and I informed him I am demanding arbitration. They have violated the credit card agreement guide and served me a summons in XX/XX/XXXX. They have violated my rights and being deceptive not mailing me the agreement guide and serving a summons when they were made aware of my request made to XXXX requesting to demand arbitration. Is there any advice you can give me to help me with these deceitful practices, I recently came across an article published on XX/XX/XXXX about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My issue came about while making payments above the minimum amount in an effort to pay towards a promotional purchase that expires before a 2nd promotional purchase on the same account. The issue is that the promotion that expires sooners balance is lower than the promotion that expires later and their system applies the excess amount to the higher balance instead of the lower one.

Therefore, my attempt to pay off the lower balance to avoid interest penalties actually backfired as I was unknowingly paying off the higher balance one instead. After contacting the company they explained that under federal regulations any excess of the minimum payment shall be applied to the " higher interest '' promotion -- however none of these promotions are currently accruing interest.

This creates a scenario where the consumer is not in the know about the excess allocation process and if not corrected would leave the consumer in a scenario where their promotion could not be paid off properly -- in effect leaving the consumer with all of the accrued interest as a penalty for not doing so.

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