vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Hello This is XXXX XXXX from XXXX Florida on XX/XX/XXXX. Someone steal my wallet and he made some unauthorized transactions include {$400.00} in cash I lost like {$2400.00} from my credit cards and debit cards and I asked the banks to refund me for that unauthorized transactions. I received {$1000.00} from XXXX XXXX bank, but the VyStar bank is refusing to refund me for {$900.00} I had money in a bank name is Branch and the Branch bank is refusing. To refund me for {$400.00}. I am going to list all the transactions below, but I have enough screenshots and documentations if you need it. 

Unauthorized transactions from VyStar are below XX/XX/2024 XX/XX/2024 XX/XX/2024 {$300.00} XXXXVYSTAR ATM XXXXXXXX {$300.00} VYSTAR ATM XXXX {$300.00} VYSTAR ATM XXXX XXXX ATM XXXX XXXX XXXX XXXX ATM XXXX XXXX XXXX XXXX ATM XXXX XXXX XXXX I have already disputed these transactions, but the VyStar says that how the person knew your pin? 
and I said I dont know how the person knew my pen I have a police report I have a kiss opened with them a dispute transaction kiss Im gon na put the number here if you want to talk to Dam so that makes it easier VyStar dispute transaction number XXXX or XXXX mailto : XXXX The unauthorized transactions from Branch app I are {$200.00} XXXXXXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX PIN Debit About XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Transaction details may be preliminary or incomplete and may not match the transaction as it appears on your periodic statement, which is the official record of your account activity. 


{$200.00} XXXX XXXX XXXX  Transaction Details XX/XX/2024 @ XXXX XXXX PIN Debit About XXXX XXXX XXXX  I have a dispute kids with them as well Branch Dispute Case # XXXX XXXX I lost like {$2800.00} plz help me

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 2024-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
InComm refuses to pay the costs of arbitration despite it being specifically referenced in their user agreement. More details follow : I have disputed a charge and my dispute has been rejected for reasons inconsistent with the terms and conditions of the card which I purchased. Specifically, those terms provide : " Under Visa rules, your liability for unauthorized Visa debit transactions on your Card/Virtual Account is {$0.00} if you notify us within two ( 2 ) business days and you are not grossly negligent or fraudulent in the handling of your Card/Virtual Account or PIN. '' There is no dispute that I contacted Incomm within 2 business days of discovering the fraud. In fact, I contacted Incomm on the same day. Incomm has not claimed I have been " grossly negligent or fraudulent in the handling '' of the Card I purchased. All they have stated is that " We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, unfortunately we are unable to approve your dispute. With the denial of this dispute, your case has been closed. '' Therefore, I am seeking arbitration. 
The terms applicable to the card I purchased provide as follows : " We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence. '' ( XXXX XXXX XXXX ) On XX/XX/year>, I emailed InComm requesting them to initiate an arbitration and pay the fee and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
SoFi bank froze my account since XXXX of last year it is now XXXX and my account is still frozen with no update response or verification nothing. They keep telling my me they would either close my account and send out a check but that hasnt happen either. i become nearly homeless because I couldnt pay my rent anymore. My account is still open and no one seems to taking my life serious I have my money in there and I need access to it please someone help this is theft company is a fraud. Its a online bank holding my money without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/2023, I filed a dispute with a late fee that appears on my credit report from Kohls. There was fraud detected on my charge card. Kohls customer service confirmed the fraudulent charges and advised NOT TO PAY any bills associated with this fraud until it was investigated. During this time, I received late fees from Kohls for {$4.00}. I disputed this fee with Kohls and they removed the fee with XXXX balance. However my credit report was affected and my score decreased. I filed a dispute and XXXX who verified this fraud, however my score decreased because of this. The investigation did not remove this late fee off my credit report and it remains today. I have never been late on any bills and this should be totally removed from my credit report. I have contacted Kohls who refuse assist in any manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a credit card at XXXX for a car repair on XXXX. Figured pay off in 6mths. Good deal. I use XXXX for my go to place esp. for oil changes, etc. They submitted my information and it came back as declined. I've never been declined on anything before. I went ahead and used my credit card to pay for the repair. I also spoke to the company when I was there. Verified my information, she kept saying I can't pull your information up. So why was it declined? 

I have since received a letter from Comenity Capital Bank based in XXXX OH, never heard of them. They apparently furnish credit cards for different companies such as XXXX. Reason for declining, states : " Inability to verify your previous credit experience '' what the heck does that mean. 

It states on the letter that they use XXXX based in XXXX, GA. I went to look up my credit report through XXXX and find there was no soft or hard inquiry from this company. None. I think I may have been discriminated against due to my last name. I hope not. I want an explanation as to why this bank declined me, when they didn't even run a report through this credit bureau. The other two bureaus, XXXX and XXXX show my credit score in the XXXX 's. I wasn't able to see the score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: MS

Complaint narrative:
Subject : Dispute and Complaint Regarding Collection Agency Violations Dear Sir/Madam, I am writing to formally dispute and file a complaint against RentDebt Automated Collections for their numerous violations of my consumer rights as per the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

According to my rights under the FDCPA and CFPB regulations, I am entitled to certain protections and procedures which RentDebt Automated Collections has flagrantly disregarded. Here are the violations : Failure to Provide Validation Information : RentDebt Automated Collections has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have reported the alleged debt to consumer reporting agencies, thereby affecting my credit report. 

Denial of Dispute Opportunity : Despite regulations stipulating that I must be given a chance to dispute the account according to

12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded this opportunity by RentDebt Automated Collections. Use of False, Misleading, and Deceptive Means : RentDebt Automated Collections has been engaging in false, misleading,
and deceptive practices, violating my consumer rights. 

Unauthorized Reporting to Consumer Reporting Agencies : Without providing the required disclosures as mandated by law, RentDebt Automated Collections has furnished information to consumer reporting agencies, contravening 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Furthermore, I would like to highlight that the alleged debt being pursued by RentDebt Automated Collections is outside the statute of limitations for the state of Florida. As such, any attempt to collect on this debt is legally unenforceable. 

In light of these violations, I am disputing any and all debts purportedly owed to RentDebt Automated Collections. Furthermore, I hereby revoke all rights of communication through email, text messages, and phone calls. Any attempt to contact me through these means will be considered a violation, subjecting RentDebt Automated Collections to penalties of {$1000.00} per violation under 15-USD-92k FDCPA violation. 

Additionally, I request the following : Debt Validation : Please provide validation of the alleged debt, including itemized statements and documentation supporting its validity. 

Purchase Agreement : I request the purchase agreement between RentDebt Automated Collections and the original creditor pertaining to the alleged debt.

Proof of Licensing and Bonding : Please furnish proof of RentDebt Automated Collections licensure and bonding status. 

I expect a prompt and thorough investigation into these matters and appropriate action taken against RentDebt Automated Collections for their violations. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MI

Complaint narrative:
Pursuant to, the United State Code ; 15 U.S.Code1681 ( 2 ) ( A ) ( i ) -Definitions rules of construction, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account " XXXX XXXX '' transactional history falls under this law. I request the account is updated to " PAID AS AGREED '' and request a copy of my consumer report that shows the account reflecting " PAID AS AGREED ''.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
THESE ITEMS HAVE TO BE REMOVED. AS A RESULT OF THE ITEMS BEING PLACED ON MY REPORT AGAINST MY CONSENT I WAS INJURED. 

ITEMS BELOW ARE AS FOLLOWS WITH ID CODES : Names not associated to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for removal 1. 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 UNDELIVERABLE ADDRESSES BELOW : XXXX. XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Singlefamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Please delete ASAP

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 2024-03-17 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: PA

Complaint narrative:
I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I recently checked my credit report and saw account reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I recently checked my credit report and saw account reporting that I do not recognize.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive Recently Checked My Credit Report And Noticed Some Inaccurate Accounts Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  Inquired on XX/XX/XXXX and XXXX more XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MI

Complaint narrative:
Pursuant to, the United State Code ; 15 U.S.Code1681 ( 2 ) ( A ) ( i ) -Definitions rules of construction, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account " XXXX XXXX '' transactional history falls under this law. I request the account is updated to " PAID AS AGREED '' and request a copy of my consumer report that shows the account reflecting " PAID AS AGREED ''.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian a letter stating that there was inaccurate information being reported on my credit report, and asked to delete. Around the beginning of this year 2024.

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