vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, XXXX and Experian didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did not authorize this company to run my credit. It was done so fraudulently. The companies were notified of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: AL

Complaint narrative:
F H Cann & associate has not sent me any paperwork on their claim that I owe them. I have asked them repeatedly to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MI

Complaint narrative:
Company MRS BPO , LLC sent a debt validation letter on XX/XX/XXXX regarding an account with XXXX Bank. The company is illegally attempting to collect on a debt that has been charged off and written off by XXXX Bank as a loss. ( XXXX from XXXX Bank is attached ). I sent MRS BPO , LLC a response on XXXX XXXX, attaching the original debt validation letter and an extra attachment outlining XXXX XXXX XXXX companies violations under the FDCPA. This company has received my personal information illegally violating my rights pursuant to The Privacy Act of XXXX. ( I HAVE ATTACHED COPIES OF THE ORIGINAL LETTERS SENT TO MRS BPO , LLC ON XXXX XXXX ) the company has provided no updates in regards of how they will cure and correct these matters and provide compensation for their violations against the FAIR DEBT COLLECTION PRACTICES ACT regarding I the consumer. 


I AM REQUESTING COMPENSATION FOR THE AMOUNT INDICATED WITHIN THE LETTER SENT TO MRS BPO , LLC FOR THEIR ILLEGAL PRACTICES BY VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT WITHIN XXXX XXXX XXXX WHICH HIGHLIGHTS PURSUANT TO THESE VIOLATIONS THE DEBT OR CAN SUE THE DEBT COLLECTION COMPANY FOR DAMAGES AND ATTORNEY FEES

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
This account was opened fraudulently. I have no leasing agreement with the XXXX XXXX or hunter warfeild inc they also have failed to provide the leasing agreement or any proof that I owe this debt with a picture of my license and signature. I have asked countless times to stop harassing me with calls unless they have solid proof I owe them this debt also the information reported to all XXXX credit bureaus is in accurate I have also provided a police report and they still continue to request payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX license number XXXX Car was paid off in XXXX. Never received title. 
Called Hyundai finance XXXX  times. They said they see it but can't physically find it. 
Confusing as there is a Hyundai finance at XXXX address in CA. And a Hyundai capital also in CA. But the number I called XXXX XXXX XXXX is the number I called XXXX times. Talked to a person each time who swore they would send it to me. Last person I talked to was named XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: Netspend Corporation
State: TN

Complaint narrative:
I received a NETSPEND Visa Debit card in the mail on XX/XX/2024. I have never applied for any account or card with XXXX, XXXX XXXX. It has a routing and account number listed in which I did not open or even apply for. I contacted Netspend at XXXX XXXX. It is an automated system and I was able to speak with " XXXX '' finally. It asks for you to enter your SSN, which I refuse to enter. I have had another bank account opened in my name previously with XXXX XXXX after being victim of a data leak. I am not sure why I have received this card and feel it is a huge risk to consumers to mail Debit cards unprompted. The representative said it was just an offer and the account was not open until I were to activate the card but these types of offers has potential to cause major issues with finances. I asked them to remove my name and address from any and all mailings.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America charged fees and interest on account originally ending in XXXX then changed to ending in XXXX in XXXX the card was reported lost and closed to both Bank of America and the credit bureau in XX/XX/XXXX, additionally the company caused additional costs to be incurred, I did advise them not only was my credit card lost but I was also locked out of online banking and not recieving statements due to the compromise. Bank of America was contacted on countless occasions to refund these back to me and issue a check, Bank of America neglected to do so, I was transferred back and forth and even hung up on several times. Additionally my information on the account was changed by and associate to prevent properly verifying me by phone. Please reference card closure date in document attached.

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 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The company XXXX XXXX XXXX did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I received a text from Associated Bank on XX/XX/2024 regarding possible fraud on a debit card from my account ending in XXXX and entered the wrong response in regards to the text. I called into customer service and the representative froze my debit card without my knowledge as I was simply asking a question in regards to the text. He informed me after he froze my debit card and not before and that's when I inquired about it being froze and to unfreeze my debit card. I repeatedly asked for my card to be unfrozen and he refused. I asked to be transferred to a supervisor and I spoke to someone who was as rude as the first representative and who kept over talking me and eventually hung up on me. I called back several times and kept getting the same person until I got a nice lady who helped me and gave me some suggestions that may help me. I called again on XX/XX/2024 and I was told my card couldn't be unfrozen as it had been more than XXXX  days. I called the local bank trying to get help and asked could it be escalated or whom I could file a complaint with. The lady I spoke to stated she would call me back in regards to my concerns but she never did. I received a letter instead that my accounts would be closed with less than XXXX weeks notice. I wasn't hostile towards the branch employee as stated as there wasn't a reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a email about an application that was applied for without my consent. I contacted chase regarding this matter but they are saying that they do not see any applications or accounts under my name. they are telling me to contact the XXXX but XXXX is not the company that is pulling the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I would like to say since my loans were forgiven and discharged for attending XXXX XXXX XXXX. It was also said the private loan like student cu connect was ordered to call credit bureaus or send a statement telling them to wipe off student cu connect of my credit report. Student cu connect is still on my credit report and it was also said student cu connect was supposed to reimbursed all money that was made as payment to student cu connect. I still see them on XXXX credit reports and I still have not received reimbursement. How can I submit a claim. 
I have not contacted them because I have no known phone number to speak to someone from that institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I am requesting help concerning fraud charges on my credit karma spending account. I did my taxes with XXXX XXXX  and the money was sent to my credit karma account. It was placed in the account on XX/XX/XXXX with a date of arrival for the XXXX. On the early morning of the XXXX at XXXX I got a notice stating that a log in code was sent to login in my account. I logged in an noticed a debit card was placed on my account that I did not placed on my account so I contacted credit karma right away. I was on the phone with the agent as I saw my money be " instant transfer '' to the debit card. The agent saw the same. I asked him to stop the transaction and to freeze my credit. He stated he can't add sent me a paper informing me to fill it out right away which I did. I had to send a picture of me hold my credit karma card, my ID front and back, and a picture holding my ID. This was XX/XX/XXXX. Sent then I have contacted them asking them to freeze my account and remove the debit card. They didn't and now they have closed my account and started that there is nothing I can do. I have all the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: MA

Complaint narrative:
I attempted to apply for a Citi card online, only to discover that Citi was unable to process my application through their online system. Despite this, Citi proceeded to conduct a credit inquiry. Upon realizing the online application could not be processed, I requested that both my online application and the associated credit inquiry be deleted. However, my request was denied. 

I expressed my concern to Citi, asserting that their actions constituted fraud, as they accessed and retained my personal data without completing the application process. In response, they said if I filed a formal complaint, they planned to just deny my request again. They said that their credit pull was considered authorized as long as I clicked a button, regardless of the fact that they misled me about their ability to process my application. 

In an attempt to address the matter further, I contacted XXXX for external resolution. Regrettably, they informed me that credit inquiries, even those made in error by entities like Citi, are not typically removed from credit reports. Despite my insistence that Citi 's actions amounted to fraud due to their unauthorized access to my data, XXXX maintained that such actions are only considered fraudulent if the information is used by Citi to apply for credit elsewhere. They asserted that simply obtaining personal data for other purposes does not constitute fraud. 

This experience has left me deeply concerned about the handling of my personal information and the lack of accountability in the credit reporting process. 

My application ID at Citi XXXX. My ZIP - XXXX My Dispute Report Number at XXXX : XXXX. My Investigation ID is : XXXX Last XXXX digits of my XXXX - XXXX. 

Feel free to use my personal data for investigation purposes but please, don't publish my personally identifiable information on your website.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received notice in the mail that capital one would be closing my account do to there " expectations '' not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : Transunion = XXXX, XXXX = XXXX, XXXX = XXXX High Balance : Transunion= {$16000.00}, XXXX {$14000.00}, XXXX= {$16000.00} Date Reported : Transunion=XXXX XXXXXXXX XXXX XXXX. 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items? 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX accurate information>

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : XXXX = XXXX, Equifax = XXXX, XXXX = XXXX High Balance : XXXX {$16000.00}, Equifax= {$14000.00}, XXXX {$16000.00} Date Reported : XXXX, EquifaxXXXX XXXX XXXX. 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items?

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  accurate information>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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:
there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX  XXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION.

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer.

reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-04-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The bank ( Citizens ) is trying to attract capital by enticing people with an attractive interest for a new CD. When CD matures, they renew it at 0.03 % and hope that people do not notice. In addition to XXXX interest ( negligible in this instance ) they access an additional fee to withdraw funds. Clearly a bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: PR

Complaint narrative:
On Saturday, XX/XX/2024, through the XXXX app, I applied for a small loan. Previous continuing the application, I tried to reach someone as I had questions, and it was kind of difficult to me to understand the website. Because it was Saturday, I didnt reach anyone, but I continued the application, using my brothers address in Florida which was approved. 
Researching on the main website of Onemain, again, because everything was done through XXXX app, I read that the loan its specific for some states. Thats when I knew the application wouldnt go forward as all my documents are from Puerto Rico. 

XXXX, from the office of Florida, reached me on Monday, XX/XX/XXXX to keep forward the application but when I told her that I live in Puerto Rico, she told me she must withdraw the application even if its was approved as Im out of the state. I agree but I requested her, then, to please remove the inquiry because I tried to reach someone previously and no one answered. 

She told me that I needed to reach XXXX and request it, which I told her thats not how it works, but I did it anyway. 

On XX/XX/XXXX I was reached by XXXX, and they told me the same thing I told XXXX, that its the company that has to send a letter to the credit bureaus ( XXXX and XXXX too ) requesting the removal of the inquiries. 

I sent a letter to OneMain financial that I would appreciate the help on removing this inquiry in both XXXX and XXXX as Im working towards mt credit and it was XXXX and their website not clear in whom can apply for the loan. 

Again, I wanted to be oriented but no one was available. The loan was approved but withdraw by them. 

Today I receive a letter, a plain letter, not stating anything just that I authorized the inquiry. I knew that I would be approved as I have good credit, but without the whole information of who can or cant apply, I was affected.

Company response to consumer: Closed with explanation