vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX to XX/XX/2021 for 30-90 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
First National Bank of Omaha committed a felony. Instead of contacting me about a new overdraft they contacted estranged relatives first. This is violation of laws.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Based on an earlier complaint. The Company ( Chase ) provided incorrect information which in my opinion rises to the level of fraudulent. I file this complaint to submit full and correct information and demand the company to issue a correct and accurate response as well as full and accurate resolution. Information is below. 

I have attached my XXXX statement which was referenced in Company response to prior complaint ( copied below ) In this attachment it is clear that they did not reference XXXX merchant credit amounts totalling over {$550.00} which brings my total payments and credits to over {$5300.00} which is well in excess of the {$5200.00} they assert I owed. 

Why did the Company omit these credits in their response? This willfull omission indicates fraud and I demand a retraction, and correction as well as a refund of the interest that was wrongfully charged to me... 

Company 's Response ( to prior complaint ) Per your XX/XX/year> statement, the full amount of {$5200.00} was due by XX/XX/year>, in order to avoid purchase interest charges. On XX/XX/year>, your payment in the amount of {$3400.00} posted to your account. On XX/XX/year>, your payment in the amount of {$1400.00} posted to your account. These XXXX payments together equal {$4800.00}. We can not honor your request to refund your account for purchase interest charges due to the entire balance was not paid by the statement due date. 
XXXX XXXX, XXXX final letter XXXX ( XXXX KB )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.

Complaint narrative:
As a victim of XXXX Equifax data breach incident, I recently contacted XXXX XXXX XXXX because I have not received the email regarding the credit monitoring service I requested. I was informed that the XXXX emails was sent in XXXX to my email address and the deadline of activating the credit monitoring service has passed. Since I have never received these emails, I went to XXXX XXXX XXXX website today to check the status of my claim again. The website shows that my claim is still " under review ''. A copy of the claim status print out dated XXXX is attached. If the emails of activating credit monitoring service were sent out in XXXX and my claim was closed, please explain why my claim status is still showing " under review '' at your website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OR

Complaint narrative:
So starting in XXXX XXXX XXXX I did a trial with XXXX and after the end of the trial I requested that the service end. Since then the company has repeatedly continued to charge my card and through multiple contacts with the company they have refused to stop charging my card. Even though the card has been locked for most of transaction attempts they have still relentlessly been attempting to charge my card sometimes multiple times a day and certainly multiple times a month. I have said them several emails requesting that they stop charging my card and they have not done so and claim they can not find the account. Is obvious for my bank account that they are continuing to attempt these charges and I've filed disputes with cash app and they say that the merchant has done everything that they can do correctly and there's no reason for them to refund or block any of the charges. I don't know what to do to stop them from charging my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC.
State: FL

Complaint narrative:
I am experiencing harassment from a company that has been persistently contacting my relatives, bombarding them with phone calls, and issuing threats to both them and me over a past due amount linked to a firm called XXXX. I suspect that their operations are not legitimate. Furthermore, I kindly request your understanding as I lodge a formal grievance against this entity, Global Solution Biz LLC . The contact overseeing this matter is XXXX XXXX from the UCC Lien Enforcement/Litigation Division . 
Please note that the contact details are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have XXXX $ deposits frozen by chase bank, this money is sent by XXXX XXXX whos my boyfriend by personal check. They frozen money because they said they need to make some confirmation with his identity by phone call. Last time they said the phone number is not matching with his identity, then we complain with CFPB. After that, we call them, the first employee said the identity is correct but when they call the phone is engaged and we tired another time, the second person said the phone is transferring to the mail box which means the phone is dead. That do not match at all. They are just making some excuses for themselves to hold the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: VA

Complaint narrative:
I have sent numerous letters regarding this matter. I have requested from this company a letter of validation of debt. This company never provided proof that the debt in question " XXXX XXXX '' is valid. I have never seen a copy of a contract that contains my signed signature attached. This is a complete violation of FDCPA and could result in a fine of {$1000.00} per violation. It is now well over the allotted time to proved proof of debt, now I am requesting to have XXXX XXXX : ACCOUNT # XXXX removed from my credit report immediately as this is damaging my credit report.

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 2024-05-06 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
On Monday XX/XX/2024 I returned the call from when an employee contacted me from the alleged Toyota Financial Services. The call was an attempt for Toyota employees to collect an alleged debt which has not been validated through notices sent to Toyota Financial Services chief executive and financial officers. The employee who verified her name and employee number was asked to translate language type font on the contract. She has now sent notice to the alleged XXXX Toyota informing employees to send out the new contract where the language will be translated from a XXXX  to XXXX. She didnt specify to I should expect to receive the mail therefore Ill keep a look out on it. Payments were made to employees at Toyota Financial Services under coercion and duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XX/XX/XXXX noticed a charge for {$3400.00} for airline tickets I didnt purchase they were purchased XX/XX/XXXX to fly on XX/XX/XXXX, I was at work on those days, so called Citi bank XXXX put it under investigation and removed the amount from my account. 
The next thing I noticed on my XXXX account is the {$3400.00} had been reversed and added.to my balance. 
I did call XXXX XXXX and they couldnt help, then Citi bank who told me the dispute was completed and the amount for the airlines was for me to pay. 
After going on line today I found the Citi bank messages section not easy to find and I should have completed and signed a letter by XX/XX/XXXX, and the response from XXXX XXXX which I dont understand. 
What can I do now I feel as if Im going to be left with this money to pay which I cant afford.

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