vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The company involved is the CitiBank or Citi XXXX - related to my Citi XXXX credit card. 

I opened this account or credit card initially as a balance transfer. This account came with XXXX promotional period for purchases and for the balance transfer. My purchases promotion ended on XX/XX/year>, prior to that period my promotion ending my XX/XX/year> statement which was for the dates of XX/XX/XXXX thru XX/XX/XXXX, I had a small balance of {$110.00}. A payment of {$300.00} was made prior to this statement which resolved the {$110.00} and the remaining applied towards my balance transfer balance. 

Between XX/XX/XXXX and XX/XX/XXXX, i completed several purchases in the amount of {$1400.00}, prior to the closing on my payment due date of XX/XX/XXXX and closing date of XX/XX/XXXX. I made a payment in the amount of {$2500.00} on XX/XX/XXXX. Citi instead of applying the payment to the payments that would accrue interest, they applied the full balance towards the interest free balance transfer amount. Per the representatives Ive spoken with at Citi today and prior payments made would always go towards the due amount and then any overage goes towards the high interest amount. I called them to correct this on XX/XX/XXXX and XX/XX/XXXX and they continue to talk in circles even after telling me several stories on why the interest of {$39.00} now showing for my XXXX statement is correct. 

My XX/XX/XXXX payment due amount was {$65.00} I made a payment of {$2500.00}, they refused to refund the additional money as it was not correctly and they also have refused to properly allocate the funds to remove any outstanding purchase balances that would accrue interest. All transactions were completed within the billing dates and payment due date.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: NE

Complaint narrative:
I received a text message on XX/XX/year> from a debt collector and have not consented to receiving text messages from them. The text message is from phone number XXXXXXXX XXXX XXXX XXXX XXXX and it states, This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXX or XXXX ChargesMayApply Reply STOP to stop texts. I also do not owe any debt so other abusive factors are likely at hand as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have never banked with with this bank every time I attempt to open me an account at a branch. There is an Old consumer report coming up with a collection that I have no knowledge about. I have contacted the identity theft and fraud department in relation to these collections that I have no knowledge of. somehow the bank allowed someone to open an account in my name has not sent me any letter or knowledge in regards to this. This account has affected my personal life. I am clearly victim of identity theft and have taken the steps to support that yet this account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I received my most recent consumer report on XXXX the consumer report is clear and is not reporting all the things that XXXX XXXX is saying. I received a letter stating that I was declined a bank account for numberous reasons. And these reasons that they say are being reported isnt on my Chex system report. So my question to Chex system is, why are all of this negative information still being reported. I also have an inquiry from XXXX XXXX XXXX and georgias own credit union that doesnt belong to me.i will attach the documentation to the complaint

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 2024-09-12 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reach out to all three credit agencies and report identity theft and fraud to them multiple times this year and before concerning XXXX XXXX XXXX and an address XXXX XXXX XXXX, XXXX XXXX I reach out to them a d said to me I quote I can't pull up the account cause we no longer have this account. The account was written off the books. I said to the lady this account is not mines she laughed. I reported this account to XXXX as I try to upload the documents they require it won't upload so I decided to turn to you cause it's not fair for me to have something that's not mine

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reach out to all three credit agencies and report identity theft and fraud to them multiple times this year and before concerning XXXX XXXX XXXX and an address XXXX XXXX XXXX, XXXX XXXX I reach out to them a d said to me I quote I can't pull up the account cause we no longer have this account. The account was written off the books. I said to the lady this account is not mines she laughed. I reported this account to XXXX as I try to upload the documents they require it won't upload so I decided to turn to you cause it's not fair for me to have something that's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I am writing to file a complaint regarding XXXX XXXX XXXX XXXX for their failure to provide a written agreement regarding an alleged debt. I requested from XXXX XXXX XXXX XXXX a copy of the written agreement that they claim I signed, which would validate this debt. To date, they have not provided the requested documentation. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to receive validation and verification of alleged debts. The companys failure to produce the necessary documents has caused confusion and concern, as I am unable to verify the legitimacy of this debt. 

I kindly request your assistance in ensuring that XXXX XXXX XXXX XXXX complies with the FCRA and provides me with the requested written agreement or removes this unverified debt from their records. 

XXXX XXXX XXXX XXXX Account Number 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 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I issued check # XXXX in the amount of {$30.00} for payment for our marriage certificate after I made a correction in XX/XX/XXXX to report my former divorce on the marriage affidavit. We were married on XX/XX/XXXX. The Town of XXXX clerk issued my wife and I a letter she received from XXXX XXXX acknowledging the correction. After the correction my wife and I mailed my check with the application for the certificate which USPS confirmed received. My checking account number with Webster formerly XXXX XXXX is # XXXX. The funds were debited against this check on XX/XX/XXXX. After some time had passed we did not receive our certificate? We issued a certified letter to XXXX on XX/XX/XXXX. We have no information as to the status of XXXX processing our document to date. Webster provided a check image with incomplete information on the back. The image shows a hand written number and a stamp XXXX XXXX XXXX for deposit only. XXXX XXXX issued a letter to us about her opening a case to research the information request which was absent from the back of the check image. The following afternoon she called me and said to me " we can't give any information becasue the department doesn't disclose it ''. We did not get a case number and XXXX XXXX stated " I am not going to cooperate with you '' when we asked for a case number. My wife has been submitting repeated complaints on CFPB to get Webster to inform us about the whereabouts of the funds and to get a legal copy of the check image or the original cashed check back. Webster has failed to respond and her complaints on CFPB are being marked as duplicate so the bank hass a pass in answering our legitimate questions about this transaction which concenrs both of us. I was misinformed about my rights to know the details of where my money goes and who actually receives it when I write checks. I was not aware of check XXXX act in NY which has requirements for check images as a substitute for a physcal check as a legal document. XXXX XXXX kept me from knowing so I would not expect to receive the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX {$990.00}, XXXX {$80.00} XXXX XXXX XXXX  {$560.00}, XXXX {$3700.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$3700.00}, XXXX {$1800.00}, XXXX {$1100.00}, XXXX {$1000.00}, XXXX {$1200.00}, XXXX  {$620.00}, XXXX XXXX  {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX {$20000.00}, XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX {$990.00}, XXXX {$80.00} XXXX XXXX CRED {$560.00}, XXXX {$3700.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$3700.00}, XXXX {$1800.00}, XXXX {$1100.00}, XXXX {$1000.00}, XXXX {$1200.00}, XXXX {$620.00}, XXXX XXXX {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}, XXXX XXXX  XXXX {$20000.00}, XXXX {$1500.00}

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On or around XX/XX/XXXX I checked my checking account and noticed unauthorized transactions on my account. I immediately called my bank to report theses charges. These charges were from XXXX XXXX and ranged from around XXXX XXXX. Some of the charges where still pending and had to be disputed separately a day or 2 later. I do use the company XXXX XXXX as I have a XXXX XXXX account. I explained that these transactions were not done by me and were unauthorized. It seems as if someone got my debit card information and loaded money onto their own XXXX XXXX. The transactions from my XXXX XXXX  do not match these specific transactions with my bank. I was given 2 separate claim numbers due to some of the charges still pending, they are XXXX and XXXX. A couple days later I was told my claim was denied. When I asked why I was told because there were previous transactions from XXXX XXXX As I explained I do have a XXXX XXXX but these specific transactions where not made by me or from my XXXX XXXX and are unauthorized. So I asked that my dispute be escalated so that I can provide evidence on my behalf. That evidence being screenshots of my XXXX XXXX to show that the unauthorized transactions do not appear on my XXXX XXXX because they werent done by me. I was told I would have to go inside a branch for this. Which I thought was even better because I could show in person. However when I went in the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was treated very rudely. I was there for over an hour. I talked to XXXX different people and no one knew what to do and acted as if they had no idea what I was talking about. Finally they called the fraud department, the same number Id called to have me speak to a representative, which I couldve done myself. All this to still be told there is no way to escalate my claim. Which Ive been told before I have a right to escalate my claim and submitt supporting evidence on my behalf. Ultimately I ended up walking out without being given an opportunity to escalate my dispute or submit my evidence. I was even accused of funding my account for fraud which was very disrespectful seeing that I have had this account for over a year and routinely use my account and even get my pay check directly deposited.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I called Kohls Credit Card Customer Service as I was trying to access my account online. I had missed a payment, which has never happened in my XXXX years of being a card holder. They refused to grant me access to my account or assist me in getting electronic access to my account so that I could pay the account online and refused to cancel the card when I demanded multiple times on the call to cancel the account due to the horrendous customer service I was experiencing. Credit Card companies should not be permitted to deny access to electronic account information for being XXXX days past due on a payment, which I could make in full but wanted access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 ) ( XXXX ) A person shall not furnish any information relating to a 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The debt was paid they are still trying to collect it

Company response to consumer: Closed with explanation