vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for Loan with Citibank. 
Received letter of denial due to credit report received from XXXX. 
Stating Bankruptcy reported on credit report. 
Contacted both citibank and XXXX. XXXX XXXX after viewing credit report. No Bankruptcy on report. However XXXX did not offer dispute option. 
Citibank request a mailed letter from XXXX. 
Have not resolved with XXXX nor Citibank. 
There are no Bankruptcy on my credit report with all XXXX credit bureaus.

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 2024-11-21 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: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted XXXX days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted XXXX days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
This was paid after being charged off.They are reporting inaccurate information, the account is reporting years of late payments after being in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. Proof of your authorization to collect on behalf of the original creditor. A breakdown of any additional fees or interest that have been added to the debt since its origination. Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. Proof of your authorization to collect on behalf of the original creditor. A breakdown of any additional fees or interest that have been added to the debt since its origination. Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased outdoor equipment from XXXX using my Bank of America AAA XXXX credit card. 

In XXXX Bank of America sold the AAA account to XXXX XXXX. Which today is the new account holder of the AAA XXXX credit card Overtime one of the products began to fail and through my complaints regading the product to XXXX on XX/XX/XXXX XXXX offered me a refund for the failing product in the amount of {$1900.00}. I confirmed with XXXX that I no longer had an account with the bank used to purchase the equipment in XXXX. They informed me that the bank would provide a refund to the new card. XXXX also provided me proof of the transaction back to Bank of America by providing the XXXX number for the refund transaction. 

Since XX/XX/XXXX I have made repeated attempts to contact Bank of America and XXXX to rectify the situation and have the refund sent directly to me to no avail. My last attempt in communicating with Bank of America was on XXXX, XX/XX/XXXX from XXXX to XXXX. During my communication with Bank of America I was repeatedly informed that they could not speak to me or offer me any additional information because I did not have an active account with the bank. I spoke to new/open accounts department, fraud department , a manager in fraud department, and lastly a customer services/ accounts Servies representative . Not one of the representatives was able to track or utilize the ARN number provided by XXXX 

Furthermore, XXXX requested I get written confirmation from either Bank of America or XXXX XXXX  that the funds were not refunded to me. I made that attempt with Bank of America who would not provide me with any status due to the fact I do not have an account. XXXX referenced me to my most recent credit card statement which confirms no refunds in the amount of {$1900.00} since XXXX, XXXX, XXXX. 

Additionally, on Tuesday XX/XX/XXXX XXXX informed me that nothing could be done on their end to recover the refunded dollars. I have repeatedly requested XXXX XXXX Bank of America, void the transaction, and issue me a check for the refund. However, XXXX has informed me this can not be done. 

To rectify the situation XXXX has offered to provide me with store credit which is something I am currently not planning to initiate because I would prefer to have the funds given to me that were refunded to Bank of America. 

I am uploading a word document which includes my entire email transaction with XXXX that includes, order number, dates, refunds, and ARN number transaction with Bank of America.

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 2024-11-21 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-21 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: OK

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PayTomorrow, LLC
State: IL

Complaint narrative:
I keep getting phone calls from Paid Tomorrow ( XXXX ) XXXX and informing them that the person they asking to speak to does not own this phone number, that they have the wrong number. They keep saying sorry and they gon remove the phone number but they keep calling several times every day.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
I am a victim of identity theft Im submitting FTC reports and complaints to have these negative items removed form all 3 bureaus

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 2024-11-21 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: NC

Complaint narrative:
I am a victim of identity theft Im submitting FTC reports and complaints to have these negative items removed form all 3 bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I obtained a copy of my credit report and noticed two fraudulent accounts. Please remove these accounts they are stopping me from obtaining credit.

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 2024-11-21 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-21 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: IL

Complaint narrative:
I obtained a copy of my credit report and noticed two fraudulent accounts. Please remove these accounts they are stopping me from obtaining credit.

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 2024-11-21 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: IL

Complaint narrative:
I obtained a copy of my credit report and noticed XXXX fraudulent accounts. Please remove these accounts they are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I made a balance payment on XX/XX/year> for {$14000.00} which was the total amount owed on my account. Their company doesn't report until XX/XX/year> which was well over XXXX  days before reporting. At time of reporting, I was then charged trailing interest of {$140.00}. I called the company on XX/XX/year> to verify why I was charged interest on an account with a XXXX balance, and he confirmed that it was an interest charge. After telling him that mathematically that didn't make sense, he then told me it was a finance charge. After reviewing my statement, there is no documentation of additional fees. It is documented as an interest charge. I do not think they can charge interest on an account that was paid in full before the statement period was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In the month of XX/XX/year> an unknown person had used my information, which I believe is my Social Security Number to open up an energy account ( account ) # XXXX ) at XXXX XXXX located in Texas ( XXXX XXXX. I have never received any bills from this company. However, Since the account was delinquent, the account was move over to a collection company ; XXXX XXXX, XXXX, and that information was listed in my credit history. The total listed is {$550.00}. If the account was not sent to the collection company, I would not even know that my information had been compromised. I do believe my information is on the Dark Wed. I have reach out all credit agencies, and notified Social Security Department, and mention before contact collection company and the Energy company. Now I just waiting to hear from the energy company, which depends on getting them police report and the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
A check was mailed to pay for my CA XXXX XXXX and it was received late. This resulted in me losing insurance and having to pay out of pocket. I was told by CA XXXX XXXX that it is in their policy that a check needs XXXX processing so I dont understand why it would have been mailed out XXXX  days prior to the due date. 

To request a refund from the CA XXXX XXXX, I must provide them with a copy of the cashed check ( front and back ). I have requested this copy XXXX  times and still have not received it. I am at a stand-still now. I am out {$3600.00} right now and had insurance cancelled that never should have been cancelled. I need this check copy or better yet, for them to get this fixed since it was their error!

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 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cashapp has a rather unreasonable name change procedure. In this case, they are demanding I remove the receipt from an official court order granting me my name change. The receipt is what makes it a certified name change. To remove it is to invalidate the document. 

Some of their other requirements, like requiring a picture of the driver 's license, are not unheard of. But this step is. 

Cashapp reference in this case is : ref :! XXXX.! XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-11-21 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: SC

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit report. I point out several key violations, including : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted incorrect information about me without verifying its accuracy, which is a violation of my rights. I emphasize that this failure to verify is punishable by civil liability of up to {$1000.00} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of having my personal information shared, which I consider deceptive. 

Inaccurate Reporting and Debt Validation ( FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 1692g ) : I highlight inaccuracies in the debt reported by various collectors and request that they cease collection until they can provide proper verification of the debts as required by law.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries appeared on my credit report, and I demand they be deleted, as they were made without my consent, violating my rights under the FCRA. 

Violations Under the Debt Collection Practices Act and Privacy Regulations : The debt collectors ' actions, including harassing communications and contacting third parties about my alleged debts without my consent, are unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and related privacy laws. 

I am requesting immediate action to rectify these violations, including the deletion of inaccurate and unauthorized items from my credit report. I expect a prompt response, and I warn that failure to resolve these issues will compel me to pursue legal remedies available under the FCRA.

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