vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
In this case, the situation involves an unauthorized collection account by Spring Oaks Capital LLC that appeared on my credit report on XX/XX/2023, for an amount of {$3900.00}. The discovery of this entry occurred recently when I checked my credit report on XX/XX/2023. 

Despite this entry appearing on my credit report, I have not received any prior communication or notice from Spring Oaks Capital LLC regarding this alleged debt. As per the Fair Debt Collection Practices Act ( FDCPA ), the debt collector is mandated to provide certain information to the consumer within five days of initial communication concerning the collection of any debt. This information includes details such as the amount of the debt, the name of the creditor to whom the debt is owed, and a statement regarding the consumer 's right to dispute the validity of the debt within XXXX days of receiving the notice. 

As of XX/XX/2023, I have taken action by drafting and sending a formal letter to Spring Oaks Capital LLC, requesting immediate removal of the unauthorized collection entry from my credit report as it has significantly impacted my credit score without any valid basis. Furthermore, I have informed them of my intent to report this violation to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal actions as outlined in the FDCPA if the matter is not resolved promptly. 

The actions taken by Spring Oaks Capital LLC, as it pertains to my credit report, have not adhered to the provisions set forth in the FDCPA, specifically 809 regarding the Validation of Debts. Despite the appearance of this entry, no communication or validation of the debt has been provided to me within the stipulated time frame. 

Additionally, I suspect that this unauthorized entry could potentially be a case of identity theft, given that I have no knowledge or record of this debt. I kindly request that this matter be also reported as a suspected case of identity theft for further investigation and appropriate action. 

I am requesting assistance in forwarding this information and my concerns to the relevant companies involved, notably Spring Oaks Capital LLC, and would appreciate your support in addressing this matter promptly. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
1. My certificate of deposit matured XX/XX/23. On several occasions in advance of that date I attempted to set up a plan for how to move the money post-maturation. The website would not allow me to do so. 

2. I have tried " help '' on both the Citi website & mobile app. There is no information in " help '' about how to handle a maturing certificate of deposit. 

3. I was sent a letter on the account with a signal that it was a high priority. I have tried to access it on several occasions, and EACH time there is an error message saying that Citi is " Currently Experiencing a Technical Issue. '' 4. It took seven minutes when calling the Citi phone number in my documents concerning my certificate of deposit to reach a person to be able to discuss these issues, as their automated system has nothing remotely on point. That person had no capacity to help me deal with the situation.

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 2023-11-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov . XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was the victim of credit card information theft. Someone opened an unauthorized XXXX XXXX with my credit card information and booked a hotel room in Florida through a travel website. I filled a dispute with Citi group. They denied the dispute and said they were legitimate charges even thought the name, location etc on the booking is clearly different Than me. I attempted to file an appeal with Citi group through their fraud prevention department. They repeatedly disconnected the call and hung up on me when I attempted to file the appeal.

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 2023-11-20 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:
Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Sold to XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Kovo
State: SC

Complaint narrative:
You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ). Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access verifiable evidence from the creditor 's financial institution that substance my non late status, which can be attributed to an evident billing error. my consumer report states each of the item below needs to be change in reflection agreed upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I went to Wells Fargo ATM at XXXX XXXX XXXX, XXXX XXXX, CA to deposit business checks totaling {$14000.00}. The ATM malfunctioned and did not give me my checks back. A screen popped up and I pressed yes not realizing what it was. It was depositing {$.00} into my account. I ran into the bank to get help and they informed me they have nothing to do with the ATM call the number on the receipt. I called the number and submitted a claim and gave them all 8 check numbers and amounts. I was told it would take 10 days to investigate and they would do a provisional credit. I received a letter in the mail stating the same information. After 10 days I called to find out the status and they were still investigating. I received a letter over a month and a half later dated XX/XX/2023 they finished their investigation and found no error occurred and were reversing the provisional credit. I called them to reopen asking how could 8 checks and a deposit slip so 9 items be lost in a lock box on their property! I never received the checks back and you can see that on the camera. It is now XX/XX/XXXX and they still have not found 8 checks and a deposit slip in their ATM and said this is a fraudulent claim. One representative told me to not use the ATM and to have all the checks reissued. I have sent a detailed letter to XXXX XXXX XXXX XXXX, ATM Claims Department and WF in XXXX XXXX. I want to know what happened to our checks and how their is no alarm on their end that nearly {$15000.00} in checks are just gone! 2 of the checks are cashiers checks and 6 are personal checks. I have been reissued 7 of the 8 checks from the clients but still waiting for one cashiers check. I would like an answer as to where my checks went and I want them given back so I can return them to the people who wrote them. This has been a total nightmare!

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 2023-11-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America is the worst place for customer service and financial assistance. I had a call with a specialist in Bank of America to close my credit card account after I paid off my credit even though my financial difficulties according to the laid off from my employer. On the next days I shocked to see an interest fee and when I called to check what was the issue the answer was terrible and not logic at all. I knew recently that back of America did the same with a lot customers and now there is a lawsuit against this bank!!!

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, a wire transfer of {$15000.00} was received from my investor to support the initiation of my business. The funds were promptly cleared and made available on the same day. However, on XX/XX/XXXX, the PNC investigations department unexpectedly froze these funds without providing any verbal or written explanation for the hold. 
Both the sender and I have made multiple attempts to contact PNC in order to verify the legitimacy of the funds and demonstrate that there is no fraudulent activity involved in this transaction. After reaching out to the sending bank, Bank XXXX XXXX, I was informed that all funds have been thoroughly verified and the case has been closed from their end. 
Despite our efforts, PNC continues to withhold my funds without offering any justification. This situation raises concerns of potential discrimination, as I have been fully transparent and cooperative throughout this process, as has the sending party. It is disconcerting that PNC persists in holding my funds without providing any explanation. 

Due to these circumstances, I have been compelled to postpone the commencement of my new business venture. The entirety of this situation is truly disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
The number on the card is 12 and any where you try to use it it says the number is not complete. They put a phone number on the card yet you dont get anyone to talk too. I feel like is a scam. Please help me get my money back.Thanks

Company response to consumer: Closed with explanation