vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to 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 2024-10-22 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX and Chexsystems reporting XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$XXXX}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$XXXX}, a credit account at XXXX  with a balance of {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 
Inquiries found on XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX for FCRA and FDCPA Violations To Whom It XXXX Concern, I am writing to formally file a complaint against EQUIFAX, XXXX, and XXXX for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/year>, my cell phone number I use for account verification purposes which was serviced through XXXX XXXX  and was associated with my US Bank account was shut off without my knowledge, permission or consent. I did not realize this number had been closed because it was only used to get into my account and I had been having issues getting into my account using my primary phone number so I had just recently added this number hoping to resolve the issue pertaining to a malicious actor with access to that number. When I found out the number was closed, I immediately went into XXXX XXXX  and alerted them of the situation and my other concerns but had not considered being locked out of my account completely yet as I was assessing any other damage that was potentially being done. When I realized that number was my latest bank account verification number, I tried calling customer service but was only told without access to my number my identity could not be verified and I needed to go into the nearest branch in person. With my busy schedule, I procrastinated and did not schedule any free time to take care of this matter until receiving a letter in the mail stating my account was ordered to be closed due to inactivity on XX/XX/year>. The day I received the letter in the mail was XX/XX/XXXX after business hours. I went into the US Bank branch on XXXX XXXX XXXX XXXX XXXX L as soon as they opened XXXX  XXXX  on XX/XX/XXXX, the day the account was to be closed. I was told it was already closed that day and I was not able to stop the closure and asked to be given the last XXXX years of statements so I XXXX look for any other issue or transaction that XXXX help me to determine how my account was compromised and when. Since my account was closed that day, the statement in question could not be given to me as they would be if my account had still been active and that now I was going to need to pay {$XXXX} for each page of each statement each month, the past XXXX  months which at around XXXX pages per statement in most months and XXXX  months, {$XXXX} for my account documents was out of my budget and I was told I could not log back into my app since I didnt have access to my number.

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 2024-10-22 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My Heloc mortgage was transfered from XXXX XXXX XXXX to Shellpoint Mortgage a few months ago. I had some initial issues getting in contact with them to make a payment the first few months. Now the shellpoint home page where I have made payments before is not working and when I call the customer service number the phone line has been disconnected. I have tried other numbers listed for them and none of them go through we are currently trying to sell out property and get appoved for a new loan and it is making that process impossible since I can't get ahold of the company to make a now past due payment.

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 2024-10-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/2024 I purchased XXXX ( XXXX ) {$XXXX} XXXX XXXX from XXXX 's supermarket. These gift cards are distributed and serviced by XXXX XXXX XXXX. When I tried to use these gift cards I was given an error message and was unable to use the cards. I tried several times and have never been able to use them. 

I first started talking to XXXX about my issue with my gift cards on XX/XX/2024. At that time they gave me a case number - XXXX. They also asked me to email them copies of the cards, copies of my receipt, a copy of my drivers license and a utility bill. I emailed all of that information to them on XX/XX/XXXX. 

I have now called XXXX several times to try to resolve this, including on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite my calls, they are just giving me the run around. They claim they " escalated '' my issue but every time I call they tell me they don't have an answer and to call back in a few days. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
An old business partner stole a credit account and has been using my bank to pay it. I didn't realize it wasn't for my current business. He does not own that business ( he was removed for theft ). He does not own the accounts ( was created after he left ). The business is closed and XXXX will not close the account or give me access. I can prove I was the sole owner, but they have his social and information instead and they are drawing money for the past year when the business closed in XXXX of 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 2024-10-22 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 XXXX XXXX for FCRA and FDCPA Violations To Whom It XXXX Concern, I am writing to formally file a complaint against XXXX, XXXX, and TransUnion for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

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 non-monetary relief
Consumer complaint received 2024-10-22 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 XXXX XXXX for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally file a complaint against XXXX, EXPERIAN, and XXXX for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

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 2024-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I hoped I picked the right section to make this complaint in. Here 's my situation. 

On Monday XX/XX/year> I noticed some transactions on my bank account that weren't made by me. I called capital one and explained the situation to them, They credited me back the money while they investigated the disputed transactions and sent me a New debit card.

Their we're 4 transactions.While the investigation was going on i contacted some of the companies and was able to get refunded, the other company said they already shipped the items and couldn't do anything. 

Pirate ship : ( XXXX ) refunded me XXXX  XXXX : ( {$190.00} ) refunded me XXXX  XXXX : ( {$120.00} ) not refunded XXXX : ( XXXX ) couldn't contact So today I just an email about the outcome of the investigation : XXXX : Approved XXXX XXXX : Issue resolved with merchant XXXX XXXX : Denied Our review of internal systems and information provided by the merchant shows the transaction is valid.

While the first 2 I agree with, the 3rd one is what I have the issue with. 

I'm not sure how they came to this conclusion if they investigated it. 
I didn't make this transaction. 

I have evidence that I didn't make it I contacted the company and was able to get the order number. The delivery address isn't mine nor is the email on the order. 
( I've attached a picture of the transaction. ) I could have provided this information to them if they asked but I was never contacted before they made a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: WA

Complaint narrative:
I opened a checking account with Citi on XX/XX/24. I made a total of two, maybe three transactions before my online access was blocked. I contacted Citi to lift the block on my account on XX/XX/24. They told me that because of " suspicious activity '', my checking account will be closed. Citi did not tell me why my account was to be closed. They said the closure process takes between XXXX to XXXX business days. They also said I will receive a check for the funds soon after that date. The waiting period ended on XX/XX/24. I have not received a check, so I called on XX/XX/24 to ask for a status update. They said my account closure process has not completed and to call back in 7 to 10 business days. I called again on XX/XX/24. They again said the account closure process has still not completed. The representative emailed an account specialist to expedite the closure and to call back in 24-48 hours. They told me I have the option of going to a branch and asking for the funds. However, there is no branch in my state, so that is not realistic. I still have not received a check, so I called back on XX/XX/24. They told me that my account is STILL not closed. It's been way passed the time they gave me to receive my check, but they still haven't released my funds.

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 2024-10-22 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with XXXX, XXXX, and TransUnion. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their
obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.

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