vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: HI

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 

( Pub. L. 90321, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ) ( c ), ( XXXX ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX ( a ), XX/XX/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 explanation
Consumer complaint received 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion did not reinvestigate XXXX XXXX  acct # XXXX properly.They have not sent or mailed any proof from the creditor pertaining this account payment history. If they can not validate then please update account payment history

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 2023-12-31 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: WI

Complaint narrative:
I called in a few times in XXXXXXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on 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 explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have XXXX XXXX reporting on my credit that is not mine and incorrect, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, I was a victim of identity theft and I contacted you to investigate these bankruptcys listed on my credit report and I received a response that it was verified with the bankruptcy court, I contacted the courthouse to verify there information release policy the court informed me that they do not provide anyone with a debtors full social number and they do not provide any credit bureau any information about bankruptcy cases, it is quite clear someone lied about verification of this information from court house that is a violation of The fair credit reporting act ( FCRA ) to report inaccurate or unverifiable information on a credit report, I demand these be removed Immediately the 3 Bankruptcys from my credit report, please respond to me in writing once this removal has been deleted I am send a copy of my identification for my address I have used for past 15 years Thanks

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 2023-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have an Amex preloaded gift card for XXXX XXXX I went to purchase an XXXX gift card for XXXX $ to reload my balance on my account. The purchase was declined but a XXXX $ charge was added to the card. I contacted Amex and was told that they decline XXXX purchases automatically due to " protecting my funds '' and would not allow me to make a purchase. I then tried several other outlets with XXXX success with the same outcome. When reaching out again to just ask for a check or cash since their card is declined everywhere, I was told that it's mine problem, not theirs. This is ridiculous. I have money on the card that is impossible to use and given the run around by Amex. On top of that the processing charges will take over 2 weeks to be reversed if the card ever does work. I want my money that they claim I can use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I called in a few times in XXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on 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 explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a Court Summons that XXXX was suing me over an account that they claim I OPENED in XXXX of XXXX, and charged nearly {$5500.00}!! THIS IS A LIE!! Since the LATE SUMMER of XXXX, I have been battling with IDENTITY THIEVES, and XXXX CLOSED my account AND WROTE IT OFF AND CHARGED IT OFF OVER A YEAR AGO!! So, this account that they claim I opened in XXXX of XXXX, is A FRAUD!! I WON'T PAY IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorized Capital One to perform an hard inquiry on my report, if someone try to open a capital one account, please shut down any transaction of decline the credit card. I did not apply for capital one under my name. Please take action and prevent any abuse on my record. Account was reported on XX/XX/ for a hard inquiry. Please investigate this and stop any capital one application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
An account was opened in my name with Acima Digital FKA SIMP without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted portfolio recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent portfolio recovery a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked portfolio recovery to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay portfolio recovery and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I keep getting mail saying I owe money but I know for sure I dont owe anything to anyone. So please STOP sending me mail. This is NOT my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unable to convert/transfer my capital one venture X miles to an airline - loyalty program. 

Every time I attempted to transfer, it brought me to a verification page which is impossible to get verified. 

Have been calling and spoken to multiple customer services but unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: CA

Complaint narrative:
I XXXX XXXX Request to Cease Reporting to Consumer Reporting Agencies ( CRA ) Pursuant to 15 U.S. Code 1681b Dear, US Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, I am writing to you today to request that , US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX immediately cease reporting information about my credit account ( s ) to any consumer reporting agency ( CRA ), including but not limited to XXXX XXXX XXXX, and XXXX, as authorized by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, a CRA may only furnish a consumer report for a permissible purpose, which includes, among other things, for the purpose of evaluating a consumer 's creditworthiness for a loan or other credit transaction. I have not applied for any new credit or other credit transaction with US Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, nor have I authorized you to provide information about my credit account ( s ) to any CRA. Therefore, I believe that the continued reporting of information about my credit account ( s ) to CRAs by US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX is a violation of the FCRA. I request that you immediately investigate this matter and take the necessary steps to rectify the situation. Please provide me with written confirmation within 30 days of the date of this letter that you have ceased reporting information about my credit account ( s ) to CRAs. Please be advised that if you fail to comply with my request, I will be forced to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating a lawsuit against US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX for damages and other relief. Thank you for your prompt attention to this matter. 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 explanation
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
I am writing to file a formal dispute regarding a merged identity file issue that has resulted in significant inaccuracies on my credit report maintained by your agency, which directly contravene the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
Upon reviewing my credit report and signing into my Equifax account portal online, it has come to my attention that my personal information has been erroneously combined or merged with another individuals information, thus violating 12 CFR 1022.3s definition of identity theft. This merging of files has led to incorrect and misleading data, affecting my creditworthiness and potentially violating my rights under the FCRA. 
The inaccuracies present include, but are not limited to : My personal information has been altered significantly, and the details reported under Personal Identification Information on my credit report inaccurately reflect my identity and creditworthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

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 2023-12-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

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 2023-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I am writing to seek resolution regarding the outstanding refund of two payments that have not been returned to me, totaling {$2600.00}. The amounts in question are {$1000.00} and {$1600.00}, respectively. the two remaining transactions under claim numbers XXXX and XXXX. I kindly request your immediate attention to this matter and the prompt return of the funds. 

I would like to bring to your attention that one of your bank representatives emailed me on XX/XX/XXXX and provided me with a case number : XXXX. However, despite waiting for over a month, I have not received any further communication or updates regarding the status of my refund. This has left me concerned and frustrated. 

I understand that unforeseen circumstances and delays can occur, but I kindly urge you to prioritize the resolution of this issue. The funds in question are of significant importance to me, and their prompt return is crucial to my financial well-being. 

I kindly request that you promptly investigate the matter, address any delays or errors, and initiate the process to refund the full amount of {$2600.00} to my account. I would greatly appreciate regular updates on the progress of my refund request, as clear and timely communication is essential to resolve this matter satisfactorily. 

I have been a loyal and responsible customer of Citizens Bank, and I have always valued the bank 's commitment to customer satisfaction. I am confident that you will handle this matter with the utmost professionalism and resolve it in a timely manner. 

Thank you for your attention to this issue. I trust in your commitment to customer service and eagerly await the return of the funds to my account. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31 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: VA

Complaint narrative:
Hello I have several accounts reporting on my credit that is fraud and is not mine I did not open them it is violation of the ( FDCPA ) to report inaccurate and false information to my credit report I have never had validation of any of these accounts and I will send in verification of my identification where I have lived in the past 15 years and I will like for these accounts to be deleted from my credit report this has been so much stress on me and if its not deleted due to fraud and incorrect information and I dont recieve any validation that this was me who opened these accounts that I previously disputed before that was stated they were verified which I dont know how when I did not open them I will take out a lawsuit cause Im clearly sending in a copy of my identification where I have resided for past 15 years thanks

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 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
That on XX/XX/ I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

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 2023-12-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
That on XX/XX/ I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
That on XX/XX/ I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

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 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I was notified in XX/XX/2022 that my XXXX XXXX loans would be forgiven for borrowers defense. This has not been reflected on my MOHELA account. I have reached out multiple times and they say they have been forgiven but they still show in the balance that I owe and are calculated in my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation