vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
My XXXXXXXX XXXX Account was suspended due to a disputed transaction on XX/XX/XXXX. They have asked to me to provide proof that I have no disputed transactions or that I have canceled the disputed transaction. I have contacted Us bank asking for such information and they informed me that I have no disputed transactions. But they can not provide me with a email or statement stating this. I even asked for a dispute history report. They said they can not provide me with that information unfortunately. I need this information to be able to get back into my XXXX Account. Us Bank is not trying to help because I only have a savings account with them.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
On Friday XX/XX/XXXX I received an email stating an account was placed for collections on my credit report for XXXX. The account was first point coll reso. It states the account was opened on XX/XX/year>, I tried to XXXX the collections agency, someone answered asking me to give my information, name, date of birth, address & last 4 of my social. I thought they were trying to verify my account so that I can see what account this was. But he was asking for my banking information. He said that he was not a collection agency but an agency that helps remove this collection of the credit report, I informed him that I think this is a scam and he kept asking me for my bank information. I did not open a new account on XX/XX/year>. This collections account is not mine nor do I know what it is. I think my information has been used or hacked. THIS DEBT does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

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 XXXX  : # XXXX, has 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 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. 16815-2 ( 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Skrill USA, Inc.
State: NC

Complaint narrative:
skrillXXXX closed my account with no justification.. they took almost a month to block my money and account was restricted... Now when they closed the account and not responding to my message for my immediate fund refund request... I need my money to be refunded asap...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-30 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: PA

Complaint narrative:
I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection.

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account.

Please confirm receipt of this letter and respond to my request within 30 days to avoid further action on my part. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/year>, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within 30 days of receipt of this letter. If this account is not deleted from your records within 30 days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages.

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the 30-day window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

Sincerely, 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 2024-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went online and requested that Chase close my savings account. This was done on XX/XX/year>. The next morning I checked and realized Chase closed the wrong account. They closed my checking instead of savings account. I called them to complian and they it was to late to stop the closure, and I would receive the {$1200.00} that was in the checking account in the mail in 7-10 business days. The money did not arrive so I contacted them again. This time the told me that I could go to a local bank and they could give me my money. I went to a local bank and the banker said it was to late and I could not get my money from them. Then I recieved a call from a Chase representative who said it looks like my money was taken by someone other than Chase and I would need to file a complaint. He transferred me another department and that Chase representative said that the prevoius rep gave me the wrong information, and my money was with the Chase National Closing Team. She said she didn't have the contact number but maybe a manager at a local branch could reach out to the National Closing Team to see when and how I would recieve my money. Today is XX/XX/year> and I have still not recieved the {$1200.00} cents that Chase owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: I.C. System, Inc.
State: NC

Complaint narrative:
My credit report stated that I owe AT & T U-verse {$1200.00} since XX/XX/year>. I don't want to be contacted to the dept collectors anymore, I want this debt off of my credit, I would at least like to work out with a nigosiation with XXXX XXXX XXXX. 

15 USC 1692c : Communication in connection with debt collection : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is afteXXXX XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; if the debt collector knows an attorney concerning such debt represents the consumer and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer for such debt, except to advise the consumer that the debt collector 's further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which such debt collector or creditor ordinarily invokes ; or where applicable, to inform the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is mailed, notification shall be complete upon receipt.

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 2024-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
We are working with a debt relief company and have included the company Conn's.We have been inundated with phone calls up to 20 times each day.We have informed them that we are involved with a debt relief company and they are still harassing us.My husband and I have the calls on our phones and can provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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 Report Act Convergent, Account : XXXX- XXXX has 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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 Report Act XXXX, Account : XXXX- XXXX has 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR EXPERIAN, EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY. 
MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE ACCOUNTS. 


XXXX XXXX XXXX with account # XXXX opened on XX/XX/2017 and a balance of {$350.00}. 
XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}.

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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding the XXXX statement dated XXXX an erroneous interest charge was applied to my account for {$1.00}. A payment of {$370.00} was submitted thru XXXX bill pay service on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The payment amount made covered the Standard Purchases of {$160.00}, paid in full. The remainder of the payment of {$200.00} was to be applied to the Balance Transfer amount of {$2400.00} which incurs no interest payment through XX/XX/XXXX. The balance transfer amount after this payment was applied is {$2200.00}. 

Regarding the XXXX statement dated XXXX an erroneous interest charge was applied to my account for {$2.00}. A payment of {$260.00} was submitted thru XXXX bill pay service on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The payment amount made covered the Standard Purchases of {$60.00}, paid in full. The remainder of the payment was to be applied to the remaining Balance Transfer amount which should have resulted in {$2200.00} - {$200.00} = {$2000.00}, incurring no interest. 

Regarding the XXXX statement dated XXXX an erroneous interest charge has been applied to my account for {$2.00}. 
My Balance Transfer amount erroneously shows a total of {$2100.00}, whereas per Paragraph 2, my correct Balance Transer amount is {$2000.00}, incurring no interest. 
The statement indicates a Standard Purchases amount of {$210.00} which I intend to pay before the due date, along with a {$200.00} amount to be applied to the balance transer amount which incurs no interest. This payment is due XX/XX/XXXX. 

During my initial phone contact with Citi customer service, the agent saw the discrepancies & attributed it to a " System Glitch ''. She said within the XXXX statement an erroneous {$95.00} balance subject to an interest rate of 20.74 % had been made and offered to refund the {$1.00} interest charge & that a correction within the system would be applied. However the subsequent 2 statements have not applied the correction to the interest charges made & to the erroneous balances appearing on my Balance Transfer remaining amount owed. 

The initial balance transfer fee of {$90.00} was paid in XXXX, XXXX well before the due date of XX/XX/XXXX. The original amount of my Balance Transfer was {$3000.00}

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 monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year> I received money through PayPal from XXXX XXXX for XXXX but I wasn't able to get the because PayPal put a restriction on my account and I was told that I have to wait for 180 days to get any balance in my account, they said they have to reserved the money incase that someone file a dispute in my account they can use it to cover. But then I found out since we only have 3days more before I reached the 180days of waiting to get my money, I found out that PayPal took my money already. I called them to fix the issue and to get info why they took my money. Then I was told that they penalized my account to cover losses and violating they rules. So I asked what losses do they have while I don't have any disputes on my account and what violation I made to penalized me? And they answered they doesn't have specific information, and that is very unfair because I am the owner of the account and we are talking about my money that they took. Please help to get my money from PayPal. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX, XXXX XXXX XXXX XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at ABSOLUTE RESOLUTIONS INV on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. ACCOUNT IS FRAUDULENT AND " COMPANY '' IS NOT ON XXXX OR LISTED WITH THE SEC, DOES NOT HAVE XXXX WET INK SIGNATURES OR PROOF OF ORIGINAL PROMISSORY NOTE. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported XXXX negative remarks stating Charge off on my credit reports after they have filed the charge off got paid thru profit and loss and still reporting on a closed account on my credit files okays due. This is Fraud and a violation of the FCRA. The credit bureaus experian, XXXX and XXXX all culprits as well allowing the update on the closed account and when my credit is pulled the closed accounts are viewed not my open active current accounts. This is Fraud!

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: GA

Complaint narrative:
This " Jefferson Capital Systems '' company will not give me proof or any kind of information on this account that's on my credit. Jefferson Capital just keep saying that I owe them a debt and that the information that I'm giving them to " authenticate '' my so called account with them, do not match what they have on file. This account has been clearly opened up as a fraud account because it was not authorized by me, myself. Please remove it immediately because it is hurting me from potential higher scores and is causing me denials for new credit, reason why I checked my credit.

Company response to consumer: Closed with explanation