vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital System Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Jefferson Capital System, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/25 - found on current statement that XXXX paper statement fee was charged. Checked the previous statements, I was charged four XXXX dollars from XXXX, XXXX, XXXX, and XXXX. Called the customer service to inquire when was the consent retrieved regarding this fee. To their record they did not ask for the consent and have failed to inform the customer properly. The manager said we do not need to ask nor receive consent as to how much fee we charge to customers. Manager said that the company does not need my agreement to charge any fees to the credit card. Manager declined to refund all four charges that were never fully disclosed to the customer. This is fraud and very concerning attitude coming from a manager from a company who withholds my credit card and financial information. When brought this concern to the manager and asked to remove my financial information from that company by cancelling this fraudulent credit card, the manager threatened and said I will never be able to open this credit card again and also denied my rewards that Ive rightfully earned through their promised rewards program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
My loan was for {$10000.00}. I have made payments over XXXX  months yet I have a balance of over $ XXXX. Student aid and department of education stated that my servicer woud have the entire amount I have paid and the number of payments. I am trying to see where I am in the forgiveness process that was outlined in my promissory note over XXXX  years ago. I switched from day XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the bank put be in payback mode when I was still a XXXX XXXX XXXX and capitalized interest. I can not get a clear count and total from anyone.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently had my phone and wallet stolen in XXXX XXXX, California. Unfortunately, the thief was able to access all of my funds. Despite locking my debit card, they were able to unlock my accounts by changing my passwords with the one-time passcodes ( OTPs ) sent to the stolen device. Since my usernames were saved in XXXX, they gained full access to my accounts. 

Ive contacted Bank of America multiple times and filed the appropriate police reports, but the situation remains unresolved. I am extremely dissatisfied with their handling of this issue and can not recommend them to anyone. Unlike my credit card companies, who promptly addressed unauthorized transactions, Bank of America has been slow to act. As a federally insured institution, I expected much more from them, especially since none of the transactions were authorized by 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXX Account XXXX Please remove it from my credit report. XXXX : Under XXXX XXXX Code XXXX ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX  Account Number XXXX Please remove it from my credit report. 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % XXXXXXXX XXXX  XXXX Account Number XXXX Please remove it from my credit report. XXXX : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove it from my credit report. 5. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 6. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MS

Complaint narrative:
I'm getting calls from 3rd party companies saying I owe other companies. And they're debt collectors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My credit card information was stolen by an ex boyfriend and he used it and put me into debt when I couldnt pay it. Now I get repeated phone calls, and I had blocked numbers because Ive gotten over 15 to 20 calls a day being harassed about it, and he used it and put me into severe debt when I couldnt pay it. now my credit score is ruined because of him using several credit cards of mine that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX I signed a surrender contract with my XXXX XXXX XXXX XXXX XXXXXXXX to vacate XXXX XXXX, and to receive XXXX $ in moving expenses as well as my XXXX $ security deposit if I were to XXXX XXXX XXXX. If you look below and see the attachments, there is a PDF of the surrender contract and a pdf of my lease that has the XXXX security deposit for verification. 

XX/XX/XXXX- I returned my keys and XXXX XXXX XXXX. Upon meeting up with the XXXX XXXX XXXX Representative, he provided me with XXXX checks, XXXX for XXXX $ and XXXX for XXXX XXXX he vetted the check in front of me, there were also XXXX witnesses to see him issue me the XXXX checks. 

Upon receiving the checks I went to the CitiBank Branch in XXXX XXXX XXXX XXXX to deposit both the checks at the counter. Once I deposited, I was told XXXX $ would be available tomorrow. 

XX/XX/XXXX- When I woke up I saw that the XXXX was available, and went to grab food and to XXXX XXXX a friend whom I owed money, I purchased a XXXX XXXX XXXX XXXX XXXXXXXX back to where I was staying, that night I went to purchase pizza and my citibank card declined. I went to check the citibank mobile app and it said that the app was out of order/ wasn't available. I called a representative and they told me to call number tomorrow to speak to fraud prevention. 

XX/XX/XXXX - Woke up and immediately called Fraud Prevention and they told me that they were reviewing my account and needed XXXX to review my account. I called over XXXX times wanting to resolve this issue and get more information, however they told me they didn't have access to information and all I could do was wait, and potentially in the morning my account would be unblocked. 

XX/XX/XXXX - I woke up and called the Fraud Prevention and they told me my account was still blocked and that I needed to wait longer, possibly until that following Monday, 5 days since my account was blocked. I called to get more answers and they asked me if I deposited a check, I said yes and verified, again they couldn't remove the lock on my account. I went back to the branch that I deposited the check to in person, and they told me it's nothing that they could do. My atm card was blocked, my online account was blocked, but I was able to see a huge portion of the funds was deposited and cleared. They then told me to go to the bank in person the next day and submit documents supporting my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: FL

Complaint narrative:
My complaint is regarding XXXX XXXX XXXX, that pull an inquiries on my credit report and I am current in a process of buying a house next for the closing and I would like those inquiries to be removed out of my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: IN

Complaint narrative:
XXXX recent inquiries my information was found on the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: DigniFi
State: MD

Complaint narrative:
On XX/XX/XXXX, I emailed the company requesting that they close my account. I lost my physical card, but also I have no use for the account anymore. On their website, it states if there is no activity for 6 months, they will close the account -- I have not charged the card since XXXX but my account stayed open all of XXXX and then in XX/XX/XXXX they charged me the annual membership fee, which I paid off. I've tried to call the number on the credit card agreement to close the account but the automation does not route me to talk to a human. 

The credit card agreement pdf available on their website says : " Section 35. Closing or Suspending Your Account.

You may contact us at XXXX to ask us to close your Account. 
We may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. 
If your Account is closed or suspended by either you or us for any reason, you must stop using your Card. If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account, including any amounts that post to your Account after it is closed or suspended. '' This is the number that I called, in the credit card agreement. 

I will send them another email on Monday, XX/XX/XXXX requesting closure of my account again, and will attempt calling again. My account has no balance/no payments due. I will send the email to : XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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