vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Online payments to Citi Bank/AT & T Credit Cards were recently changed. Payments now must go through an in between company named XXXX XXXX XXXX Clients should have been and were not notified of this change. 

My bank, ( XXXX XXXX XXXX XXXX ) through which Ive made payments to my AT & T/Citi account for years, does not accept XXXX  so payments to my AT & T credit card account did not go through. Puzzled, I attempted several times to pay and had online conversations with AT & T/Citi representatives XXXX No one knew why my payments were returned. Finally speaking to my bank I was informed of the reason my payments to Citi/AT & T were not accepted and were returned. 

Any late payment was due to Citi Bank switching to XXXX  and not informing credit card customers. I had to mail them a check! Funds were available. 

For instance, my bank recorded an online payment on XX/XX/2024 for {$4000.00} that was twice refused by Citi Bank. This was due to newly established XXXX  software. 

My credit score has been affected and they canceled my credit card.

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 2024-04-15 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: FL

Complaint narrative:
Letter to Remove Inaccurate Personal Credit Information Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect personal information is incorrect please delete or I will LITIGATE Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely,

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 2024-04-15 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was informed that Discover needs to identified my identity and threatened with closing my account. 

They froze my credit card account while continuing making my payments with my credit card. They closed my account at {$700.00} with a balance of {$3000.00}. 

This affects my ability to rent a car or hold a hotel since this is my only credit card. 

I have checking and savings with direct deposit and have checks I deposited with my identity on those checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dispute of Debt Collection Account, Reference XXXX ; XXXX I am writing to dispute the validity of the debt you claim I owe, which is referenced above. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692ce, I am requesting validation of this debt.

I dispute the following aspects of the debt : Accuracy of Information : I have no record of owing any debt to the creditor as stated in your collection notice. Therefore, I request detailed information about the origin and nature of this debt, including the original creditor 's name and contact information, the original account number, the dates of the alleged debt, and a breakdown of any fees or interest charges applied.

Verification of Debt : Under the FDCPA, I am entitled to verification of this debt. Please provide documentation that substantiates your claim, including copies of the original agreement with the creditor, any contracts or invoices, a complete payment history, and proof of ownership and legally allowed to collect on this debt in my state.

Cease Communication Request : As provided by 15 USC 1692ce, I am formally requesting that you cease all communication with me regarding this debt, except as allowed by law, until you have provided the requested validation. Further communication in violation of this provision will be considered harassment and a violation of federal law.

Failure to provide the requested validation within 30 days has resulted in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened my first credit card with Chase Bank in XXXX and added a handful of other credit cards with Chase Bank over the years. In mid XXXX, Chase Bank closed all of my credit card accounts without warning. I found this out as I was mid-purchase, and had my credit card declined. And then my backup cards declined. Chase Bank never provided an explanation for their actions. I managed to get an email to XXXX XXXX 's office directly ( a friend and venture capitalist provided his direct email ). I asked for my accounts to be reinstated, and for me to be given an explanation as for why they were closed. XXXX XXXX 's office did respond : they refused to reopen my accounts, and informed me that I was not owed a response. 

This wasn't just an annoyance : my credit score dropped over XXXX points as as result in the radical change in my " age of credit. '' All of my oldest credit cards were with Chase Bank. I had been a loyal customer for decades. Once that credit history was gone, my credit score suffered. 

I do think I figured out what happened. I am the CEO of a nonprofit called XXXX. XXXX formed in XXXX, and had a fiscal sponsor for XXXX and much of XXXX. Our fiscal sponsor was called XXXX XXXX XXXX, and XXXX 's bank accounts were at Chase Bank. I was listed as an " owner '' on those accounts. The FBI arrested XXXX XXXX, the CEO of XXXX XXXX XXXX on XXXX XXXX XXXX, for wire fraud and embezzlement. You can learn more about XXXX XXXX here : XXXX XXXX XXXXXXXX The FBI briefly thought I had been involved in this crime. After speaking to me for hours, the FBI reclassified me as a victim in that case. I spent much of XXXX providing documents to the FBI to assist in their case. The FBI is clear that I am not a criminal. 
Chase Bank, however, continues to treat me as one. Not only did they close my personal credit cards, but they also closed my company business accounts, even though my company ( VoteAmerica ) was completely independent of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX by the time XXXX was arrested. 

I would like for Chase Bank to reinstate my personal credit card accounts. While I remain annoyed that they closed my business accounts, I was able to reestablish those accounts at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. So please DELETE the accounts listed below : 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 2024-04-15 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: CA

Complaint narrative:
I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. So please DELETE the accounts listed below : 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 2024-04-15 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-15 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ( listed twice with XXXX different balance ) has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make consumer report containing any of the following items on information or any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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.

Account name : Personal information, My employer position is listed as " Police Sgt '', has violated my rights 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 explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Westlake Portfolio Management for their unethical and deceptive practices. 

Purchased of a car from a dealership. Ten days later, the dealership files bankruptcy and abruptly went out of business. 

I began receiving emails from Westlake Portfolio Management, a debt collection agency, regarding a supposed auto loan that I had taken out with them on XX/XX/year>. This came as a shock to me as I had never engaged in any business dealings with Westlake before. In an attempt to address this issue, I sent certified letters to the dealership regarding their breach of contract, only to have them rerouted to the Westlake Portfolio Management office in XXXX. 

Despite sending a debt validation letter to Westlake via certified mail, I have not received any validation of this alleged debt. Furthermore, Westlake has not ceased their attempts to collect this debt from me, nor have they refrained from reporting this alleged auto loan on my credit report, which has seriously affected my credit. It is outrageous that Westlake continues to pursue me for a debt that remains unvalidated and for a transaction that never took place.

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 2024-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OK

Complaint narrative:
I opened the account to have my XXXX tax return deposited into on XXXX, XXXX. I lost access to my account. My phone was stolen and I no longer have the same number or email linked to that account since I don't remember my cashtag, they are refusing to help me whatsoever. Saying " For security purposes we are unable to grant access to this account and no further action can be taken. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/2024. I tried to log in my Marcus online saving account. Then I realized my account got hacked and I called customer service immediately. XXXX confirmed my account got hacked and someone transferred {$10000.00} in total without my permission. I noticed the hacked changed me contact information ( Email, Phone Number ) and I never get any alert from the back. The Marcus staff told me the hacked transferred my money on XXXX dates : XX/XX/XXXX, {$3500.00} to XXXX XXXXXXXX, XX/XX/XXXX, {$3500.00} to XXXX, and XX/XX/XXXX. {$3500.00} to XXXX. I called them for XXXX hour and they told me they will get back to me in every 2 days. But I did not get any information back from then until I called them on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX 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. 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 2024-04-15 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:
I recently tried purchasing a car and noticed I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report, it is a defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
XXXX and XXXX XXXX as well as all three credit bureaus have my wrong birthdate, these two accounts don't belong to me never had either account. 

My birthday is XX/XX/XXXX as per proof of birthday, with me Drivers license and my birth certificate. Please get that stuff off my credit report it is of bad faith and bad will to my credit score and has hindered my prosperity in life Also the closed accounts should be taken off my account as well, they have no balance but, those two closed accounts were actually transferred to XXXX XXXX XXXX and should not be in my account at all, also have done mo inquiries in the past ten years, please stop, this atrosity

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