vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This issue happened on XX/XX/XXXX I deposited a payroll check via mobile deposit, the bank released {$300.00} ; the next day, Saturday I called the bank to check the status on releasing the remaining funds due to the holiday and I was told that the funds wouldnt be released that day but on Sunday a portion would be and on XX/XX/XXXX the remaining balance. Later on the night I received an email approx XXXX XXXX saying that I received a message and I needed to respond immediately ; I logged in just to find out that my account had been restricted. I talked to I believe every person in the department ; Once I realized what was happening I immediately explained that I had gone to a different institution and their hold time was two weeks out and I explained to CITI BANK, I was advised that they needed to speak to the payroll department to verify the issuer. After so many attempts I then finally get some one from out accounting team who could help ; the next representative I spoke to was able to connect to XXXX from our accounting to team to verify the information- once she got back to the line with me she asked was the number connected to a business I said Im sorry she asked again was it connected to a business I was like I gave you what I was provided and then I asked were you able to get the information? She then said yes and I told her that I was going to place her on hold so that I can contact the person.I reached her and merge the calls and let her know that the rep from the bank asked was the phone number connected to a bank and she placed us on a long hold with the music playing eventually I disconnected the call ( prior to her placing me on hold she advised that they couldnt release the funds ) basically insinuating that I was lying and there was fraudulent activity, at the point I felt racially profiled against and this isnt the first time that this bank has treated me differently I know for a fact because the last incident I had my XXXX  friend to call back and ask the same question and she was given information to whereas I was informed that they no longer participated in that banking product. Any way I feel humiliated not only because of that but because I received an emailed stating that I violated the bank policy and that is inaccurate as they violated me and my rights as a 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 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/ around end the month I checked my consumer report and notice a outstanding debt from collection agency. I contacted the originator of whom I did business with which was XXXX. I was told that all issues were handle over to this agency. I requested written agreement on which the contract that I had with XXXX originally. I have still have not obtain that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: WA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-12-28 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: WA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-12-28 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: WA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a XXXX XXXX AMERICAN EXPRESS gift card on XX/XX/. This was given as a gift from my work boss. The card is non functional so far, i have attempted multiple purchases all under the XXXX XXXX limit and the card ends up declining without fail. The card IS active and some companies even take out small fees from my balance yet still decline the card. I would like some compensation for this useless card I have received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my capital one credit card since 2016. I have had a history of making payments on time. I have been going through a hardship which caused me to fall behind on my payments. The card number is ending in XXXX I would like to know if there is a program that reduces my monthly payments just so i can bring my account current. I am working on getting back on track financially. I received a text message on tuesday night about a payment being past due. I would like to the phone calls and text messages and the mail to cease and desist until i am able to get back on my feet. I am looking forward to working out a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: MO

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex is reporting a collection of {$650.00} from XXXX XXXX at XXXX. This is a medical bill and it has been paid in full. I have disputed with all 3 bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call Remex I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CashRepublic Holdings, Inc.
State: KY

Complaint narrative:
On XXXX XX/XX/ Omni Financial of Nevada XXXX Inc told me I was approved for a loan. The costumer service rep even told me the amount I was approved for. On the same said day at XXXX I received a text message informing me I was approved. I was told by the operator before the funds could be released to me I had to send a full copy of confidential documents. Please note these documents have my security clearance information and military history. I called back for an update after I submitted the paperwork to have the funds released to me. I was told Omni Financial of Nevada , Inc could not realse the funds to me and I asked why and how when I was already told that I was approved I couldn't be given an explanation of why. I believe Omni Financial of Nevada , Inc discriminated against and misused my official military records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
please see attached file

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 2023-12-28 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: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
XXXX & XXXX ( better known as XXXX ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-12-28 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: TX

Complaint narrative:
XXXX XXXX XXXX  ( better known as XXXX ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-12-28 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: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-12-28 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:
My Mortgage has been paid in full and still on my credit report as open and it should be closed. 

XXXXXXXX XXXX account number # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I'm still floored by my inability to get dispute CASE XXXX fully reviewed. I continue to receive conflicting information from Citi. I called previously and was told I could amend my initial reason for dispute as none of the available options to select fit the issue. I have received multiple letters from Citi saying I could send in additional documentation. They provided a copy of the merchant 's response, which did not in any way even mention or rebut the partial disputed amount of {$450.00}. However, when I sent in my appeal as instructed, I'm now receiving form letters that don't make sense with the situation, indicating I have conflicting reasons for appeal so they can not help me. Per my discussion with Citi reps and previous communication, it appears this issue should have already been taken care of. I have never changed the reason for my dispute -- again, it's that none of the reasons available fit. 

UPDATED REASON FOR DISPUTE : Product description was 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 monetary relief
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, therefore no such debt in fact exists.

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 2023-12-28 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: OH

Complaint narrative:
My information was in a data breach I tried calling the consumer service number and they were not trying to give me my Information and asking for pictures of my id for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I was sent a letter stating that I owed {$92.00} left on lab services from a debt collector. I called the number on the letter on XX/XX/XXXX to request proof or validation of the debt. I was told that I would receive proof of debt within 14 days. It is now XX/XX/XXXX and I still have no proof of debt. I called again today XXXX the XXXX and was told they saw where I requested it but it was never sent. I was told they would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: MN

Complaint narrative:
For many years I have been trying to build my credit, and due to unfair reporting from Transunion and creditors, I have not been able to do so. Transunion also had my account locked for many years without my acknowlegement until this year after finding out. I keep having to dispute inaccurate loan amounts, addresses, and including the spelling of my name and etc. Transunion also kept inquiries on my account for many years that should have been removed.Within the last month I had applied for 2 rental properties that do tenant screening through Transunion. I was denied because of low resident score. From XXXX XXXX XXXX it dropped to XXXX from XXXX. I called both Transunion Call Center, and their rental XXXX XXXX XXXX and I was not given a good answer as to why it dropped so fast. I been renting for many years, and has not had any judements, leins, or etc against me.I do not have many deliquent accounts. I been having to dispute for months regarding XXXX XXXX XXXX XXXX reporting inaccurate loan amount due. Transunion would investigate and conclude that its update, even after I told them amounts paid. I have attached proof of payments at the bottom. THis is not the only one. XXXX XXXX XXXX XXXX who is own by XXXX XXXX XXXX has been doing the same as well.

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 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a credit card with Captial One in which was closed due to nonpayment and the loss of my job. I received an email from them stating I could settle the payoff amount which was XXXX for XXXX. I called on XX/XX/ and spoke to someone unwilling to help me and I requested a supervisor I was put on hold and the called dropped. I called back on XXXX with hopes of getting more information and settling the debt I explained the email I received and Capital One was not willing to honor their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
Would not refund or cancel my transaction after I informed them that the recipient couldn't access his account

Company response to consumer: Closed with explanation