vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: DE

Complaint narrative:
I am writing to formally raise a complaint about the ongoing issues with the XXXX XXXX feature in the Revolut ( online banking app ) and the misleading advertising related to it. 
My bank institution offers a feature called " XXXX Vaults, '' where customers can set aside money to earn interest. Last year, the functionality of the XXXX XXXX stopped working in the Revolut app. It became impossible to transfer, deposit, or withdraw money from the vaults. 
I contacted Revolut customer support, and after a prolonged period of seeking help, they eventually transferred all the money from my XXXX XXXX back to my regular account so I could access it. This incident occurred a year ago. 
Since then, I have been informed that Revolut is working on fixing the functionality of the XXXXXXXX XXXX. However, a year has passed, and the feature still does not work. Despite this, Revolut continues to advertise the XXXX XXXX and the interest rates offered. The functionality remains present in the app but is completely unusable, opening or using a XXXX XXXX is impossible. 
Over the past year, I have repeatedly reached out to your support team to report the issue, and I was told the team is aware of the error and working on it. However, Revolut continues to send promotional emails highlighting the XXXX XXXX and their interest rates, which is misleading, as the feature is not operational. 
I have raised several complaints about this, but no resolution has been provided. I request that Revolut stop advertising the XXXX XXXX feature until it is fully functional, as these promotions are misleading to existing and new customers. Promising interest gains through a feature that does not work is unprofessional and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased a shirt on my Macys credit card in XX/XX/XXXX. Unfortunately, the shirt did not fit, and I returned it. However, Macys never acknowledged the return and continued to bill me. To resolve this, I made an electronic payment of {$29.00}, which I believed should have fully settled the balance. I considered this payment to be payment in full and requested that the account be closed. 

Despite my payment and request, Macys continued to bill me, applying an excessive 20 % compounded interest rate. In XX/XX/XXXX, I made another payment of {$62.00}, clearly stating that it was payment in full and repeating my request to close the account. Yet, Macys is now claiming that I owe over {$320.00} in interest and late fees.

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 2025-01-06 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:
Hi, I would like to initiate an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. Although they were removed before, they have been added back without my awareness. I was neither notified of this change nor received any correspondence in the mail.

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 2025-01-06 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: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your 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 2025-01-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : 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 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date assigned XX/XX/year> {$39.00} Fraudulent account utility account set up with XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I made a previous complaint against this company, and they did not care - nor reply to you guys. 
About a month ago, it was agreed that they would take {$60.00} out ( I believe it was ) - or {$120.00} - and a few weeks ago, they tried to take out $ XXXX. I made the complaint, and the charge fell off my bank account. 
Today, they tried to do the same thing - charging my account {$260.00} - leaving it overdrawn. 
They did NOT have authorization to do this, and I want it reversed. 

I also asked previously that they take my bank card / account out of their system - and they did NOT obviously. 

I WANT MY BANK CARD REMOVED FROM THEIR SYSTEM and for them to stop charging amounts that were NOT authorized, or I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: DISCOVER BANK
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear DISCOVERBANK, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This act contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri identity theft and fraud statutes, including the Missouri Revised Statutes Section 570.223 ( Identity Theft ) and other applicable consumer protection laws. 

It has come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under the FCRA, federal law mandates that consumer consent is a non-negotiable requirement for reporting such information, as outlined in Section 1681b ( a ) ( 2 ). 

Additionally, Missouri law provides strong protections for consumers against unauthorized use of personal and financial information. Section 570.223 of the Missouri Revised Statutes prohibits identity theft, including unauthorized use of an individuals information to harm their credit or financial standing. Furthermore, Missouri law reinforces the obligation to ensure accurate and fair reporting of credit information to protect consumers from fraud or abuse. 

I assert unequivocally that I have not provided consent for DISCOVERBANK to report any information to my credit report. This lack of consent constitutes a violation of my rights under both federal and state laws and has the potential to harm my creditworthiness. 

I demand that DISCOVERBANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under FCRA Section 1681b ( a ) ( 2 ) and Missouri state law, including Section 570.223. I further request that you investigate and promptly remove any unauthorized information currently reflected in my credit report.

Failure to comply with this demand within 30 days will be viewed as willful noncompliance and may result in legal action under applicable federal and state laws. Please note that identity theft and fraud are criminal offenses under Missouri law, and I will not hesitate to pursue all remedies available to me to protect my rights. 

This demand is made in good faith, with the expectation that you will act promptly to rectify these egregious violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-06 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-06 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-06 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: IN

Complaint narrative:
I have received several data breaches of my personal information. These data breaches have accounts that are not mines and never was, but to no avail it's still on my credit reports as a charge off. I didn't receive a 1099 for the charge off, i have several different addresses listed. I have charges that are not mines, such as XXXX XXXX XXXX, XXXX XXXX XXXX, student loans that have been sold without my permission and a bankruptcy added back to my student loans that was discharged in bankruptcy from a college that was foreclosed.

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 2025-01-06 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 kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-01-06 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Capital One regarding its use and disclosure of my non-public personal information, which I believe constitutes a violation of my privacy rights under 15 U.S.C. 6809 ( 4 ) of the Gramm-Leach-Bliley Act ( GLBA ).

As defined by 15 U.S.C. 6809 ( 4 ), non-public personal information includes personally identifiable financial information provided by a consumer to a financial institution in connection with a transaction, service, or otherwise obtained by the financial institution. Capital One has reported my transaction historyspecifically, my payment recordsto credit reporting agencies. 

This disclosure of my transaction history constitutes an unauthorized sharing of my non-public personal information and violates my privacy rights under the GLBA. I did not provide explicit consent for Capital One to share such information with third parties, and this action has caused me significant concern regarding my data privacy and security. 

I respectfully request that the CFPB investigate this matter and hold Capital One accountable for any violations of applicable privacy laws. I also seek clarification on my rights under the GLBA concerning the sharing of non-public personal information with credit reporting agencies. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX for any further information or clarification needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation