vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
To : Sentry Credit , INC Hello my name is XXXX.I am sending this email to request a refund for a payment I made. On XX/XX/2024 of {$1000.00}. The account number is : ending in XXXX the XXXX Account number is : XXXXThe creditor is XXXX XXXX. 

I received my renters ledger and XXXX XXXX lawyer sent the court a Letter of Satisfaction. 

I've satisfied my balance with XXXX XXXX and in my ledger it shows I already paid for the repair to the unit on XX/XX/2024. 

I dispute the vaildaity of this debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I mad an original complaint XX/XX/XXXX as you can see here -- -- -- XXXX " I am the owner of my PNC acct, with routing number:XXXX ; an account numberXXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my XXXX XXXX  transaction for {$22.00}. After that I fell XXXX an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX  an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over 3 charges in HAWAII!! including a hotel charge, XXXX XXXX... I called PNC who Ive been a member with over 3yrs an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, i'm late on rent, my car note, an even child support. '' However after this I was contact by PNC so I called back an found out they only put down 2 or 3 of what was suppose to be 8-9 disputes due to a language barrier ON THEIR END ... .... The new agent I spoke with was able to tell me that the other agent wrote two of the same disputes an I would get my credits within 10 days from the dispute,,,,, she also stated the original agent didn't count any of the other disputes as they weren't posted yet. However they were posted an I was trying to tell them that, the transactions I mentioned have been " posted '' since the XXXX of XXXX which was BEFORE I called, but due to their employees language barrier they didn't put any of the big purchases on my dispute. 

Once we established that, the NEW AGENT I spoke to today informed me that she added a new dispute with all the charges in HAWAII ( which i've never been ) included for a total of {$2900.00} TODAY ( XX/XX/XXXX ). She also informed me that 2 of the 4 disputes originally put on file should give provisional credits by XX/XX/XXXX which I still haven't received. 

Ive been missing money ( over {$6000.00} ) SINCE XX/XX/XXXX ... ... an I have to wait til the XXXX an only got approved for {$44.00} worth of credits, no where near the real amount I was ORIGINALLY TRYING TO CLAIM. 

I think its unfair I have to now wait for the 2nd dispute amount of {$2900.00} til XX/XX/XXXX to get provisional credits when it all should have been on the same claim getting my credits in total on XX/XX/XXXX. I have never been to hawaii an I didnt do any of those charges on file. I need my money asap, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I mailed XXXX a certified letter, receipt number XXXX XXXX XXXX XXXX XXXX XXXX, and they completely ignored me. On XX/XX/year> I mailed another certified letter requesting the documentations, they ignored me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-07-20 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:
Separated husband has my social security number and has been using XXXX to stalk me. Now XXXX XXXX is showing up on my credit report. XXXX XXXX has stolen my identity.

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 2024-07-20 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: PA

Complaint narrative:
According to 15 USC 1666b a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 

XXXX Account # XXXX  PLEASE UPDATE & REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2024-07-20 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2024-07-20 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed the account and asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the account. 

KOHLS/CAPONE Charge account with account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TN

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 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:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my credit report on XX/XX/year>, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX According to Section XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report.

I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.

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 2024-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I disputed the account and asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the accounts. All they said was that the account was confirmed as accurate. They provided no proof and didn't update anything. 

TARGET/TD Credit Card with account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: FL

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I am still waiting for an answer from Iberia bank and its been over a month since they were contacted through this CFPB website, and still no answer from either IBERIA or CFPB. 
The affidavit submitted by XXXX XXXX on XX/XX/year> stands as truth today XX/XX/year>. IBERIA BANK chose acquiesce to admit to the deception of the contract that was written not as XXXX contract, all the documents are on file. This default will be used as evidence. Please respond accordingly. Contact me, text message or email if no answer on phone,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I disputed the missed and/or late payments on my negative accounts because I've never been late or missed a payment. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

BK OF AMER Unsecured loan with account # XXXX BK OF AMER Unsecured loan with account # 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 2024-07-20 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: U.S. BANCORP
State: ME

Complaint narrative:
Company will only let me redeem my rewards points as a statement credit or direct deposit to the original checking account linked to the credit card. That checking account is closed. I have a {$0.00} balance and dont plan on using this credit card ever again. The company will not allow a direct deposit to another account.

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 2024-07-20 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:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had requested verbally and in writing for the checking account ending XXXX to be closed and bank personnel did not comply with this request was not completed and subsequent fraudulent items were paid bringing the account to a negative {$1300.00} balance. These items should have been returned and the account closed as requested. Then a XXXX deposit of {$530.00} that was set up to go into my new account ending in XXXX was illegally put into the old account with negative balance causing me to lose {$530.00}. Bank personnel acknowledged the mistake and said it would be fixed and it never was. Then for over XXXX years I heard nothing from your bank about the account in XXXX that was finally closed with a negative balance of {$650.00} and without any notice you took these funds from account ending in XXXX. This has caused me great financial and physical harm as I am fighting XXXX XXXX. Then to take weeks to address my complaint to your bank and the CFPB with form that does not look at the actual issues involved in this complaint is illegal and inexcusable.

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 2024-07-20 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: NE

Complaint narrative:
I noticed on my credit report unauthorized and unknown accounts that I did not do or approve. I tried mailing letters to help remove the items all year in XXXX and partial of last year in XXXX. I was impacted by the data breach and at some point my score and report got messed up and it is hurting my profile. please remove!

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 2024-07-20 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: NE

Complaint narrative:
I noticed on my credit report unauthorized and unknown accounts that I did not do or approve. I tried mailing letters to help remove the items all year in XXXX and partial of last year in XXXX. I was impacted by the data breach and at some point my score and report got messed up and it is hurting my profile. please remove!

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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I called the collection agency and told them that the debt I seen on my credit report was not mine and that it was obviously identity theft I had no knowledge of the debt I asked them to investigate and I asked them to remove it from my credit report they've been sent me a letter in response saying that I needed to provide all kinds of information and paperwork that I did not have, so I filed a dispute with the credit reports and it's still on there and I needed to be removed I have no knowledge of this that or several other things on my credit reports I believe my identity has been compromised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
I disputed these accounts and requested proof from the original creditors that this debt collector owns these debts and has the legal authority to collect them or delete these accounts immediately. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

RASH CURTIS & ASSOCIATES with account # XXXX RASH CURTIS & ASSOCIATES with account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally dispute the unauthorized transactions on my Chime account and to address the failure on Chime 's part to properly notify me of these transactions. Despite my diligent efforts to ensure that I received all necessary notifications from Chime, I did not receive any alerts or warnings regarding these unauthorized activities on my account. 

At the time of the transactions in question, Chime failed to notify me as agreed upon. This lack of communication directly contradicts the protections and services that Chime is obligated to provide its customers. As a result, I hold Chime responsible for negligence and willful disregard for my account 's security, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ). 



Due to this failure to notify and the resulting financial loss, I am requesting an immediate investigation into these unauthorized transactions and a full reimbursement of the disputed amounts. Additionally, I urge Chime to review and rectify their notification procedures to prevent such issues from affecting other customers in the future. 

I expect a prompt response to this matter and a resolution that reflects the seriousness of this matter

Company response to consumer: Closed with explanation