vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
They want me to validate my address first. Is on a recorded line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XX/XX/XXXX and XXXXXXXX XXXX an unauthorized user was withdrawing money from my checking account with a debit card that never got to my possession. Multiple transactions were done without my authorization. I got a call from BOA fraud department that I was a victim of fraud and asked me for codes to verify me while I didnt have access to my account. The representative told me they were sending me another debit card federal express to be received next day. When I checked next day I never received it and I called the bank. The bank told me they never called me for fraud. Immediately I filed for claims. They transfer XXXX dollars from my savings. They also withdraw XXXX from my checking. They did multiple transactions from my checking account {$63.00}, {$400.00} and 5 transactions of {$900.00} which none of these have been refunded. They closed the claim and I reopened it. They refunded me in different claims XXXX and XXXX dollars. I am still waiting for one more claim. I need help. Thank you

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 2023-12-27 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX KOHLS/CAPITAL ONE XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

PENN CREDIT  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been dealing with this for 5-6 months. According to the law the company has 30 days to validate the debt. The companies time to validate the debt has long expired and I am uncertain to why it has been allowed to go this far along. The company CAN NOT validate charges, dates, merchants, pricing, etc from XXXX to XXXX of 2023, as they CAN NOT view or access the account for that time frame. Because the company, nor myself can access/view this time frame, the debt CAN NOT be validated and the account should have a {$0.00} balance due to the company negligence. I am not taking anything else for an answer or response. It is the LAW.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
i Have been a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Director Consumer Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely.

Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974.

Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law.

I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.

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 2023-12-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely. 
Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974. 
Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law. 
I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.

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 2023-12-27 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX writing to express my personal dissatisfaction with the management of my recent money transfer my ex husband initiated from my XXXX XXXX XXXX account to his capital one 360 account. I believe that the action the bank took in this situation was not only improper and unreasonable, but may also possibly be a breach of banking regulations. On XXXX XX/XX/2023 I had my ex husband link my XXXX XXXX XXXX account to his capital one 360 so he can transfer funds from my account for some expenses, after he linked the account he had to wait 1 to 3 business days to verify the account to capital one which I got two trial deposits in my XXXX XXXX XXXX account and provided the amounts to my ex husband so he can complete the verification process which he did and the verification was successful. On the XXXX XX/XX/2023 he requested to transfer funds from my bank which he scheduled that transfer and I got the charge in my XXXX XXXX XXXX account. Basically capital one debited my bank account with the amount transfer but wont release funds to my ex husband until they take him through another verification process all over again even though they have the funds in their possession. I find this unreasonable because I have been debited for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : : XXXX XXXX The account 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 explanation
Consumer complaint received 2023-12-27 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : : XXXX XXXX The account is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MA

Complaint narrative:
XXXX XXXX Account number 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 non-monetary relief
Consumer complaint received 2023-12-27 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:
I am writing to formally file a complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to Experian, along with the assigned identity theft case number XXXX. 

It has come to my attention that despite my dispute letter dated XX/XX/2023, Experian has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that Experian, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. 

I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge Experian to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. 

Your immediate attention to this matter is appreciated, and I expect Experian to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in 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 explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
-Received collection notice on XX/XX/XXXX2023 for {$4000.00} -Debt is connected to a PayPal account that was opened fraudulently in my name -Contacted PayPal on XX/XX/XXXX23 who opened a case and put hold on account. PayPal claimed they would contact me back within 72 hours and have yet to do so -Contacted XXXX XXXX XXXX ( debt collector ) who returned debt back to PayPal XXXX 
-Filed police report with local Police Department on XX/XX/XXXX23 -Contacted PayPal on XX/XX/XXXX23 who refused to share information on who at PayPal was handing the fraud case, and turned me towards local police department for investigation. 
Contacted local police department on XX/XX/XXXX23 who said they would not investigate and no ability to contact PayPal PayPal allowed someone to open an account in my name without checking my identity or credit. PayPal then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/23 I received emails and text messages from Chime stating I had opened a new account with them. They were asking me to download their app to manage the account and letting me know they were sending a debit card. On XX/XX/23 I called XXXX to let them know I did not open an account and did not authorize them to open an account and asked for it to be closed. When I called they were able to link the account to the phone number I called from. I provided my name, email address and phone number yet the customer service representative would not close the account or take any action until I provided more personal information including my social security number and date of birth. I asked to speak with someone who could close the account that I never opened and she was not willing to put her manager or supervisor on even after repeatedly asking. The customer service agent told me to email their support group which I did. She then put me on hold to speak with her supervisor but came back on the call herself stating she removed my email and phone number from the account but did not delete it. I told her that was unacceptable I wanted the account deleted and was concerned about future communication with Chime if she removed the phone number and email. I asked again to be escalated to a supervisor or any team that could help close this account that I did not authorize to be opened. She then hung up the phone in me. I then later received an email back saying they could not take any action since the email address I used was not tied to an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
BELOW IS THE LETTER I MAILED TO SYNCHRONY BANK ON XX/XX/2023 Dear Synchrony Bank Customer Service, I trust this letter reaches you in good health. I am writing to express my deep disappointment and concern regarding the recent closure of my account ( Account Number : [ Your Account Number ] ) due to a single insufficient fund payment. I am particularly troubled by the lack of courtesy in the absence of any prior notification, especially given the significant life event I am currently undergoing - a XXXX. 

I understand and appreciate the importance of financial responsibilities, and I have always strived to meet them. However, I find it distressing that my account was closed without any attempt to communicate the issue with me beforehand. A simple courtesy call would have allowed me to address the matter promptly and avoid the subsequent consequences. 

The impact of this decision goes beyond mere inconvenience. As a woman of XXXX navigating the complexities of a XXXX, the closure of my account without notice raises concerns of discriminatory practices. It is disheartening to think that such actions might disproportionately affect individuals like me who are already facing unique challenges. 

Moreover, the consequences of this account closure extend beyond the immediate inconvenience. The negative impact on my credit score is a matter of great concern, affecting my financial standing and future opportunities. Additionally, the reduction of my XXXX XXXX & XXXX 's account has increased my overall account usage, compounding the financial strain caused by the closure. 

While I acknowledge the terms and conditions that outline your company 's rights in account management, I believe that, in the spirit of fair and ethical business practices, there should be room for discretion and empathy, especially in cases like mine. 

I urgently request a comprehensive review of my account closure, taking into consideration the extenuating circumstances surrounding this isolated incident. I appeal for the reinstatement of my account and request assistance in rectifying the negative impact on my credit score. Moreover, I seek clarity on any steps I can take to resolve this matter promptly. 

I value the relationship I have had with Synchrony Bank, and I sincerely hope that we can find a resolution that addresses my concerns and allows for an equitable outcome. 

Thank you for your immediate attention to 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 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My three individual student loans were transferred from XXXX XXXX  to Nelnet in 2023 prior to payment resumption from the pandemic. I have been trying to get information on the process to pay off one of the three loans and information on whether the monthly payment will be reduced accordingly after I do so. 

I have emailed them 5 times requesting a return contact with NO reply. I have also called them multiple times and were told the hold times were running over an hour so I requested a call back and all three times I never received the promised call back, including today when I called and was told I would get a call back in 40 minutes. That was an hour and a half ago. 

Since I have had essentially no experience with them since they took over the loans I am reluctant to send them {$16000.00} without knowing the process, how the payment would be credited, etc. They seem completely incompetent.

Company response to consumer: Closed with explanation