vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
A check was deposited for the amount {$5000.00} on XX/XX/2023 in my account it was cleared and on XX/XX/2023 bank closed my account and said you will get this money by cashier check in the mail. Now its more than a Year and bank is saying that we will send this money back to sender but after visiting branch many times banks is not sending money back. I want this money back to me or sent back to the sender. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. Please help us to get our money back. Thank you My Details : - Company Name 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

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 2024-01-28 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: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity. If can not verify please delete XXXX XXXX : WRONG PAYMENT HISTORY XXXX XXXX : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON TU SUPPOSE TO BE THE SAME AS XXXX XXXX XXXX : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX  : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON TU XXXX XXXX : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on TU & XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX : 90 DAYS LATE ON TU & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON TU & NO ACCOUNT TYPE ON XXXX BUT TU HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED TRANSUNION HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity I just want these accounts deleted

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 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I was issued a Warrant of Debt in the mail ( not properly served ) from LNVN Funding LLC ( c/o Resurgent Capital Services ) . Upon receiving this notice, I immediately researched this company as I have NEVER had any dealings with them. Apparently this company has MULTIPLE Federal class action lawsuits against them for predatory collection tactics, among other suits. I have also checked with my local district court whom has NO RECORD of a warrant being filed. This means this company forged a LEGAL state document as a way to scare me into payment ( see attached documents ). I was able to pull up this form myself online and can tell the form was improperly filled out. In addition, this company has been sold and brought by multiple other known debt collection agencies ; therefore, I am unsure as to what company actually is owed money, if any. Per my legal counsel, I will pursue a lawsuit of my own due to illegal predatory tactics used against myself to collect a debt, in addition to not being properly warned there was an account in collection status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied with Bank of America for a credit card. I was denied because of account has been revoked. What is the reason for revocation?

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 2024-01-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : ID FRAUD FAKE CREDIT CARDS STOLEN CREDIT CARD BANK ACCOUNT THEFTS XXXX XXXX RETIRED MOTHER with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX = HOME XXXX = CELLULLAR May use other ID 's such as ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began creating false credit cards at XXXX XXXX XXXX XXXX XXXX has created other false accounts in thee name of XXXX XXXX XXXX, All of thee references may be found within XXXX XXXX XXXX XXXX US CREDIT REPORTS. 



XXXX XXXX XXXX XXXX  credit report has DROPPED from XXXX to XXXX. 


I, XXXX XXXX XXXX need HELP from thee FEDERAL GOVERNMENT. 

PLEASE HELP MYSELF. 


I, XXXX XXXX XXXX was threatened by XXXX, if I reported her son 's crimes, she would KICK MYSELF OUT of her home. 

XXXX was my FATHER 's wife before he passed in XXXX. 

XXXX removed my name, XXXX XXXX XXXX from thee HOME TITLE and placed her XXXX sons names on everything she had possession of in XXXX XXXX XXXX and XXXX XXXX XXXX XXXX name. 

XXXX XXXX XXXX has already referred myself to a XXXX XXXX in XXXX. 

XXXX was thee XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was thee parent who enrolled her son XXXX XXXX XXXX in thee XXXX XXXX XXXX  of XXXX, XXXX, but not herself. 


XXXX XXXX ABUSED myself during the time period of when my FATHER began cheating on herself involving himself with other women in thee XXXX XXXX  AREA. 


I, XXXX XXXX XXXX do not need XXXX XXXX. XXXX should have kept her own son XXXX in XXXX XXXX. 

So many FEDERAL LAWS have been broken by XXXX XXXX son, it is her fault for removing him into the public atmosphere. 


XXXX XXXX XXXX XXXX Chase Bank Credit Card was stolen during thee time period of XXXX. 

By the way, same year XXXX XXXX XXXX stole XXXX XXXX XXXX XXXX Chase Bank Credit Card in XXXX. 

A credit check must be requested with all THREE BRANCHES of these agencies. 

I pray that thee XXXX  sends and submits my complaints this time. 

By thee way, if the XXXX  FAILS, my mailing address is ..... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU, for your assistance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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:
Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity. If can not verify please delete XXXX XXXX : WRONG PAYMENT HISTORY XXXX XXXX : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQ XXXX XXXX : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on XXXX  & EQ XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX : 90 DAYS LATE ON XXXX & 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED XXXX HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity I just want these accounts deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NRA Group, LLC
State: TX

Complaint narrative:
Contacted the collection agency requesting all information they have showing proof to me as the owner of the delinquent account. Was told they have to request it from the original creditor the account was initially opened. Been several weeks no response. Disputed it with the credit agencies and within a 2 day investigation I'm told all the information was found accurate and correct with no errors. My email was part of 3 separate data breaches with one breach being the credit agency at the same year I started disputing this account.

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 2024-01-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been denied Numerous services due to inaccurate Credit reporting and Bad credit. From Banks to personal loans, Auto loans, Credit Cards.Employment,

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 2024-01-28 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: AZ

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : ID FRAUD FAKE CREDIT CARDS STOLEN CREDIT CARD BANK ACCOUNT THEFTS XXXX XXXX RETIRED MOTHER with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = HOME XXXX = CELLULLAR May use other ID 's such as ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began creating false credit cards at XXXX XXXX XXXX XXXX XXXX 

XXXX has created other false accounts in thee name of XXXX XXXX XXXX, All of thee references may be found within XXXX XXXX XXXXXXXX XXXX  US CREDIT REPORTS. 



XXXX XXXX XXXX 's credit report has DROPPED from XXXX to XXXX. 


I, XXXX XXXX XXXX need HELP from thee FEDERAL GOVERNMENT. 

PLEASE HELP MYSELF. 


I, XXXX XXXX XXXX was threatened by XXXX, if I reported her son 's crimes, she would KICK MYSELF OUT of her home. 

XXXX was my FATHER 's wife before he passed in XXXX. 

XXXX removed my name, XXXX XXXX XXXX from thee HOME TITLE and placed her XXXX sons names on everything she had possession of in XXXX XXXX XXXX and XXXX XXXX XXXX 's name. 

XXXX XXXX XXXX has already referred myself to a XXXX XXXX in XXXX. 

XXXX was thee XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was thee parent who enrolled her son XXXX XXXX XXXX in thee XXXX XXXX XXXX of XXXX, XXXX, but not herself. 


XXXX XXXX ABUSED myself during the time period of when my FATHER began cheating on herself involving himself with other women in thee XXXX XXXX  AREA. 


I, XXXX XXXX XXXX do not need XXXX XXXX. XXXX should have kept her own son XXXX in XXXX XXXX. 

So many FEDERAL LAWS have been broken by XXXX 's son, it is her fault for removing him into the public atmosphere. 


XXXX XXXX XXXX XXXX XXXX XXXX Credit Card was stolen during thee time period of XXXX. 

By the way, same year XXXX XXXX XXXX stole XXXX XXXX XXXX XXXX XXXX XXXX Credit Card in XXXX. 

A credit check must be requested with all THREE BRANCHES of these agencies. 

I pray that thee XXXX  sends and submits my complaints this time. 

By thee way, if the XXXX  FAILS, my mailing address is ..... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU, for your assistance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.

Complaint narrative:
This is related to my other 2 complaints ; I was XXXX  during my visit to my parents in the XXXX last XX/XX/. The visit was sponsored by my sister who were living in the US and also in their house I stayed. My stay in the hospital accumulated a large amount of bill which I can't afford to pay. That's the reason why I ask for assistance to XXXX XXXX because I don't know how to pay it because I don't have a job. I only rely to my husband 's little amount of salary along with our XXXX kids. And we barely have some spares with that kind of amount. It's only enough for our day-to-day necessity expenditures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint is the follow-up of the previous complaints ID XXXX and XXXX. For this particular complaint, I am complaining about the employee " XXXX '' of Capital One. She is a thief. She stole my money for Capital One. In my previous complaints to Capital One, the XXXX XXXX XXXX  and to the Consumer Financial Protection Bureau, I repeatedly said that Capital One made a mistake that XXXX did not credit {$7.00} back to my account. I checked it over and over again a few times. XXXX never credited credit anything back to my account. Think about it. If XXXX credited {$7.00} back to my account, why did they not credit the whole thing of {$54.00}? This employee " XXXX  '' of Capital One is a thief. I repeatedly request Capital One to double check but this employee " XXXX  '' never double checked and kept sending the same information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
I was told make payments up to XXXX and they was gone start the process of me taking over that never happened nobody call me back when I was asking to I kept asking for the manager and they told me they didnt have one. They wrongfully repo my car with contacting me HONDA FINANCIAL COPR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: KY

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 XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX have Violated My Rights : 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 an 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 2024-01-28 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:
Contacted the collection agency requesting all information they have showing proof to me as the owner of the delinquent account. Was told they have to request it from the original creditor the account was initially opened. Been several weeks no response. Disputed it with the credit agencies and within a 2 day investigation I'm told all the information was found accurate and correct with no errors. My email was part of 3 separate data breaches with one breach being the credit agency at the same year I started disputing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I just received an email from paypal stating my dispute was denied and that the the money that was deposited into my account is going to be withdrawn on the XXXX XXXX XXXX. This is MY money that was taken out of MY account for items I never received. They can not take my money back without giving me any product. This will be a police report, I promise you. My XXXX  order was cancelled ( I paid through paypal ), and I was never refunded until I literally begged for the funds that paypal is planning on taking back on the XXXX. I can and WILL take this to court for more than its worth. You've taken my time, My bills are past due, taking food out of my kids mouths. I'm sick of dealing with this. Don't use paypal to make any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: KY

Complaint narrative:
I need for Equifax to delete the following accounts for inaccuracy because the Date Last Active is Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax has XXXX XXXX, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not have this account on my credit report. Equifax has XX/XX/2021, XXXX does not have this account on my credit report. Please delete these accounts and mail me a corrected copy of my credit report.

Company response to consumer: Closed with non-monetary relief