vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
In accordance with the rair XXXX XXXX XXXX XXXX XXXX of accounis below nas violated. my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX for {$490.00} XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX reported inaccurate late payment

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 2024-06-17 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: MS

Complaint narrative:
I won XXXXXXXX XXXX and chose an American Express Virtual Rewards gift card. So XXXX XXXX sent me the email with the American Express Virtual Rewards card and the first time I tried it it declined so did the XXXX XXXX XXXX and XXXX time I tried to use it. I have called customer service for the card four times now and they just keep telling me that it's activated and to try again. My account number is as follows American Express Rewards Card XXXX XXXX XXXX XXXX Exp XX/XX/year> XXXX XXXX My information for the card is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
Hello, My namie is XXXX XXXX. I opened a credit managing account with Brigit. 

I requested to deactivate this total account as it wasnt a great fit for me as too how their services are represented to the consumer. 

I always check my checking account s and credit reports. I noticed after my request to deactivate my account. They still kept the access to my XXXX checking account and monitoring it. I asked then to delete my banking information, email and telephone number from this account. I dont want the account or to have Brigit to have any access to my private information. I dont want to risk my checking account to any data breach. They could wipe out my checking account. I dont want a free account. I want to deactivate this account in its entirety. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
My complaint is with : Absolute Resolutions Inv., XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Put a Collection-Derogatory on all ( 3 ) of my Credit Reports XXXX XXXX, XXXX and XXXX. They bought this Account from XXXX loans on XXXX. My XXXX  Account was Reported on my ( 3 ) Credit Reports CLOSED ACCOUNT - ACCOUNT CHARGED OFF {$10000.00} WRITTEN OFF SINCE XXXX. 
I, never signed a legal contract/loan with Absolute resolutions Inv. If you have my original signature of a contract with MY NAME. I'm a XXXX XXXX and having this account Report on my Credit Reports has damaged me in financially. I have checked the BBB ; this Company has numerous complaints.

I was never contacted by Absolute Resolutions Investment, per mail nor phone or email. They just put this collection on all the ( XXXX ) credit reports on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/2024 I had the unfortunate to click on a link that I received which will took me to zoom video for a few minutes and I gave my inf of my credit card fewto this company name XXXX minutes later I realized that I just got scam I didnt received any invoice or receipt or perhaps any contract or merchandise so I called immediately to XXXX and said that it was fraud that was my mistake well Barclays said not to worried cancel my credit card sent me a new one I activated and I travelled out of the country 3 weeks later Barclays credit card company sent me letter said that they granted the XXXX to the company in question because I was in zoom video which I thought it was an introduction I believe but anyway in the meantime I tried to contact the company by email phone calls nothing not respond so I asked Barclays to run an investigation because Im not responsable for something I didnt receive Barclays is responsible for not complying by notify me that I had set up in my app that when I have a transaccin for more then XXXX they fail to communicate with me before released that huge amount in what ground because the company said that I was in zoom that supposed to be an introduction not reason for Barclays to believed this company and paid them XXXX now the interest and fees are out unbelievable hight and Barclay keep said that because I gave my credit card isnt considered scam they had to paid so I explained to them if you issued me a new credit card sent to me I activated why Barclays said to me not to worried about it you fail in communicated me that you had released the funds which Im not responsible out all my credit cards I received an alert I had been in business with this credit card company for the last XXXX  years Barclays fail to protect my rights as a consumer and now are ruined my life my credit score was excellent and now Barkley all kept saying isnt a fraudulent and Im responsible for it please help me I finally got in touch with the company in question on XX/XX/XXXX after I arrived to XXXX and this guy said to me that they wont return my money back and the only reason I reached to then is because Barclays granted the money and hang off on me I called again and he hanged off on me and I hadnt heard from them at this point I m in desperation and dont know what else to do Im a low income individual.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX 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 XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TN

Complaint narrative:
XXXX XXXX  was the name of the original business, which was turned over to validated customer accuracy back in XXXX. It was removed from my credit record and cleared due to my inability to verify the customer. I came upon a new collection in XX/XX/XXXX, stating that a new debt collector named XXXX XXXX XXXX XXXX for XXXX XXXX had taken over an account that wasn't mine. Ask the business to confirm accuracy, providing the name and amount no response. Since then, the collection has been sold to Vance and Huffaman LLC, whose XX/XX/XXXX reporting date is accurate and lacks any original loan documentation verification. According to FTC violation 15 u.s.c 1681c-2 and 15 u.s.c 1681b. 15 u.s.c 1681s-2. & violation 25 CSR 11.443 ( c ).

This meets FRCA requirements and needs to be removed immediately from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. Consequently, I am formally asking for these accounts to be blocked and removed from my report. It is important to clarify that this request is not due to any mistake or negligence on my part, but rather because I did not explicitly authorize the inclusion of these transactions in my 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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
For almost a year, I have been trying to get Regions bank to reverse these fraudulent debits to my account. Below is a short description of what happened. 

On XX/XX/year> I received an email alert from Regions Bank informing me of an unusual login to my online banking accounts from a browser that I don't use. I immediately visited a local Regions Bank branch and explained to them that obviously someone had gained access to my online banking. I asked them to place a " no debit '' on my accounts to stop any transactions from whoever had gained access to my accounts. Regions Bank WOULD NOT place a " no debit '' on my accounts and the next day {$72000.00} was transferred out of one of my checking accounts. 

NONE OF THIS WOULD HAVE HAPPENED IF REGIONS BANK WOULD HAVE PLACED A " NO DEBIT '' ON MY ACCOUNTS LIKE I ASKED THEM TO! 

I HAD PROOF THAT SOMEONE HAD GAINED ACCESS TO MY ACCOUNTS AND THEY IGNORED MY REQUEST AND WOULD NOT PROTECT MY ACCOUNTS. 

I have asked Regions Bank to refund the money, since they did not protect my accounts like I asked them to. They have refused to do so.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. Consequently, I am formally asking for these accounts to be blocked and removed from my report. It is important to clarify that this request is not due to any mistake or negligence on my part, but rather because I did not explicitly authorize the inclusion of these transactions in my 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 2024-06-17 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXX. XXXX XXXX  XXXX. - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/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 2024-06-17 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: TX

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-17 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: NJ

Complaint narrative:
There are XXXX inquirie on my credit report that I did not do. My information has been compromised Please remove these XXXX fraudulent inquiries immediately please. It's affecting my credit profile. I am attaching my Identity Theft Report to this compaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
My account with the XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have had credit cards with Citibank for many years and Citibank closed my three accounts without warning by email or mail. I requested an explanation from the representative who stated that she could not tell me anything and that I would need to write a letter to Citibank. I have submitted a letter to Citibank, but not received a response.

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 2024-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
XXXX  Case # XXXXXXXX XXXX Case # XXXX With the above referenced complaint numbers that I filed with Mohela, I was informed I would recieve resolution 14 business days after the complaint submission date, and if no resolution I would recieve my refund 30 days after that from Mohela and 90 days from the US Treasury, neither of which has been recieved.

Each time I have called I recieve different information and no resolution. 

I am owed over {$56000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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