vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-11 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: VW Credit
State: IL

Complaint narrative:
Volkswagen credit stated I had 30 day late payment but the money came out of my account on XX/XX/year>2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from Volkswagen Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a Security Capital One to discharge my payment pursuant UCC 3-603 and UCC 3-604 , they immediately acknowledged they received my security for payment, but instead of crediting my account, they closed my account which is an adverse action pursuant 15 USC 1691 ( d ) i was unable to pay my monthly obligations without my charge card which negatively impaired my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/24 there was a pending debit for {$130.00} on the account without description of the transaction. Called the bank and they were unsure what the charge was because it was pending and advised to call back on Tuesday once charge cleared to dispute. Today in review of the account, the charge states it is for recovery of forced closed account. The account is and has been open and active, and was not overdrawn. I called the bank for further explanation to which none was given as to the reason the account was closed and why there was a debit for {$130.00} ( the account did not carry a negative balance at any time ).

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 2024-05-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I just learned of your helpful government agency. Almost XXXX years ago I made a new purchase and opened up a new Best Buy Visa card. I was promised a {$100.00} promotional credit. After this credit never came I made many many calls and even visited the out-of-state Best Buy department store to try to fix the problem. Going back-and-forth the promotional credit was never given and has been denied. I have been taken!

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 2024-05-11 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: FL

Complaint narrative:
What happened : Unauthorized hard inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and several of its provisions. 

Unauthorized Hard Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX  - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX XXXX - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports.

Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There is a negative item reported on my credit report with different names of other persons .And I dont recognize how and why is reporting. This negative item doesnt meet the FCA reporting requirements. Other credit bureaus were able to properly verify this this account and was required to remove the account and how they were able to verify this account and they all have the same info. Delete 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 2024-05-11 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: FL

Complaint narrative:
I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.

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 2024-05-11 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: FL

Complaint narrative:
I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.

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 2024-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: VA

Complaint narrative:
I would like to file a complaint against Wilber & Associates.

I was in a car accident on XX/XX/year>, where an XXXX XXXX Police Officer determined it to be a No-Fault accident and I worked with my insurance company to cover the cost of repairing my car. Approximately XXXX weeks later on XX/XX/year>, I was first contacted by Wilber & Associates informing me that they were attempting to collect a debt I owed to XXXX XXXX, the insurance company of the individual who I had the accident with. They alleged at the time of the accident, which they provided as XX/XX/year>, my auto insurance had lapsed and so they were expecting me to pay them approximately {$5400.00} without providing any proof of this debt.

I have my home and automobile insurance bundled in an active account, so their accusation was false. I verified with the XXXX XXXX police that this accident was indeed reported as a No-Fault accident and the other individual 's insurance company would have no reason to contact me or my insurance company. I was also in contact with my insurance adjuster, who did not receive any requests or was even contacted by XXXX XXXX. The adjuster also remarked that a XXXX turnaround for a reimbursement request was not standard. 

The CFPB outlines a debt collector scam as falsely claiming that they are an attorney which the Wilber & Associates representative did by claiming that they are a " law group ''. They never offered any information as to how to dispute the alleged debt and they contacted me every XXXX to XXXX days and even left messages for me at a family member 's home, where I do not reside. They also contacted me after they signed a return receipt to my letter requesting that they stop contacting me and to send me the evidence they had about this alleged debt via USPS. It has been almost XXXX months since the last contact and I never received any evidence of any debt, which strengthens my belief that this was a scam.

Researching Wilber & Associates, you can find many reports filed against them about predatory scamming for alleged debts incurred for a variety of reasons as the result of a car accident. Due to some implications on online reports, I believe that Wilber & Associates purchases accident report information from XXXX XXXX. In its U.S. Consumer Privacy Notice, XXXX XXXX outlines that personal information is sold to debt collectors but does not say that the information is allowed to be used fraudulently. I recently requested and received my XXXX XXXX Consumer Disclosure Report, and it provides the information of my accident and the cost of the repairs which was similar to their allegation of what I owed, but the report was also clear that it was a No-Fault accident.

Wilber & Associates seem to rely on intimidation and hope that people will not do their due diligence and know their rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Contacted BMO Bank NA to identify when Promo Balance Transfer expires. Representative provided conflicting information regarding expiration date. I subsequently requested Promo Balance Transfer expiration date to be listed on Statement. This would allow me make payment to Promo Balance Transfer before expiration date. As such, BMO Bank NA. CC XXXX is in of Violation- Card Act SEC. 106. RULES REGARDING PERIODIC STATEMENTS. ISSUE : and DECEPTIVE TRADE PRACTCE ) regarding Billing Statement with a billing cycle absent a schedule expiration closure date

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 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
I am XX/XX/XXXXand just XX/XX/XXXX, Sallie Mae will not work with me to lower my payment or defer them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: January Technologies, Inc
State: FL

Complaint narrative:
The trade line from XXXX XXXX was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over 30 days ago. XXXX  continuously certifies to XXXX that a balance exists where there is none. On the phone with me personally, XXXX said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and XXXX refuses to acknowledge the fraud XXXX is committing. XXXX appears to be holding my credit hostage maliciously. Please help! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
A credit card was issued in my name from Target which I didn't open a charge of {$290.00} was made on this account. The company reported this on XX/XX/year>. I've called and reported this to Target credit Dept. as fraud. They've launched an investigation and I'm now reporting this here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc.
State: MN

Complaint narrative:
XXXX or XX/XX/XXXX I canceled prepaid internet service with XXXX XXXX 
I left the country for a year. 
XX/XX/XXXX, I am opening my mail, I find a prepaid card from XXXX provided by North Lane Technologies , Inc. in XXXX, PA. 

The card I received was for the amount {$43.00}. The card expired in XX/XX/XXXX. The mailing envelope the card came in was postmarked XX/XX/XXXX ( see attachment ). There was a 6 month window in which to use the funds. 

I was gone, there was no opportunity to use the card, and the company charged an inactivity fee of {$3.00} per month. I'm sure this is often done to wind down inactive accounts, and I understand they have operating costs, but I NEVER AGREED TO THE TERMS OF THE CARD or the account, they were forced on me. It's {$9.00}, but this is a predatory business practice and should be stopped. 

When I called today, XX/XX/XXXX, I spoke to a customer service representative, and they offered to cut me a check for {$34.00} and mail it to my current address. This was the original amount minus 3 months of {$3.00} inactivity fees. They said they could not reverse those charges and offered to let me speak to a supervisor. He listened to me, but couldn't do anything. He offered to report it to his supervisors, but he had no names, just a vague description of a team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 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: OH

Complaint narrative:
On XX/XX/2024 I was alerted by Citibank of a charge made with my card for {$310.00} while I was traveling in XXXX XXXX. I immediately called Citibank and told them of the fraud and was assured not to worry they would keep my card open and upon returning to call and file a dispute. When I returned to the XXXX on XX/XX/2024 i called Citibank as directed to report the fraudulent charge. I was asked a series of questions by Citibank and was told I was responsible for the charge since the chip on the card was used for the transaction. I told XXXX at fraud Citibank that I never made that transaction. I asked for a signature or some other proof and was told they didnt have anything. Since I still had the card I was told I must of made the transaction since the chip was used. I explained I used my card throughout my trip, giving my card to restaurants, shops, hotels .I did not make that transaction. I always pay my charge bills in full and did so with Citibank excluding the fraudulent charge of XXXX. Now I received a letter from Citibank stating XXXX responsible for the charge and will be reported to consumer agencies as past due. I am at my wits end and have an excellent XXXX XXXX, I feel Citibank has not protected me. I did exactly what I was told when first reporting the charge received in the alert on XX/XX/XXXX. I was a new customer to Citibank and got the card because they didnt charge an international fee. I have closed the account because of this and am no longer a cardholder with Citibank even having to forfeit my airline miles. Please help me.

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 2024-05-11 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: FL

Complaint narrative:
What happened : Unauthorized hard inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and several of its provisions. 

Unauthorized Hard Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX  - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX XXXX - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports.

Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
To whom it may concern, As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) and in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ), I am formally requesting the removal of unauthorized hard inquiries from my credit report. These inquiries were made without my consent and do not reflect any legitimate credit application or authorization on my part. I kindly request that these inquiries be promptly investigated and removed from my credit file to ensure its accuracy and compliance with federal laws. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation