vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
this account is still being reported " open " which is a VIOLATION " OF MY RIGHTS 15 U.S.C. 1692 ( G ) ( B ) according to " CFPB '' LAWS, this account was written off, discharge, and sold, I don't have an agreement with RESURGENT CAPITAL, please also provide me with the " ORINGINAL PURCHASE AGREEMENT with my wet signature along with payment HISTORY, and validation that you own debt and can collect of ownership, this account showing " open '' and inconsistent dates with all three credit reporting agencies PLEASE EXPLAIN TO ME A CHARGE OFF THAT THE ORIGINAL PURCHASER HAS SOLD AND BE OPEN WITH A BALANCE OF XXXX BUT RESURGENT IS REPORTING A DIFFERENT BALANCE THEN REPORT CREDIT AGENCIES WHICH THEY REPORTING, ^ RESURGENT XXXX XXXXXXXXXXXX XXXX XXXX WHICH IS AN INCORRECT AND THAT IN ITS SELF IS INCORRECT AND I request immediately removal of this inaccurate reporting from my credit file RESURGENT has " FAILED " TO PROVIDE WITH THE ABOVE, INCORRECT INFORMATION EVEN IF IT WAS XXXX XXXX " IS NOT ACCURATE REPORTING ACCORDING to fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A check I mailed to a client was stolen and fraudulently cashed. The check was written on XX/XX/2023 and cashed on XX/XX/2023. Check number XXXX for XXXX Made out to XXXX XXXX I filed a claim with Chase bank and after working though the contradicting instructions from their representatives the claim was submitted in XXXX. 

Check number XXXX for XXXX} was written and cashed on the same dates to the same recipient. 

Several months ago I received the money back for check XXXXXXXX. 

Chase bank keeps telling me that XXXX XXXX XXXX investigation is pending but refuses to share with me the details that XXXXXXXX XXXX sent in their update because " customers cant speak to that department ''. 

I received a call from the check casher 's ( XXXX XXXX XXXX XXXX ) Collection department ( XXXX ) Who was calling to collect the funds on the check  ( meaning that they never received the funds from XXXX XXXX XXXX The collection department also informed me that the check was cashed by a " XXXX XXXX ''. 

It is pretty easy to see that XXXXXXXX XXXX still has the funds, chase bank has been completely incompetent from start to finish and XXXX XXXX XXXX XXXX cashed a check fraudulently signed for by XXXX XXXX that was addressed to XXXX XXXX. 

I haven't been able to get any update the last 6 months other than " XXXXXXXX XXXX XXXXs investigation is still pending and we can't share the details in the note they send us because that department doesn't talk to customers '' Even tho I was paid months ago for check XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
Around XXXX XXXX XXXX I opened a new US bank smartly checking account I then deposited XXXX of my paychecks into the account I may have deposited XXXX however my account balance was about {$1200.00} about XXXX  days later I went to the ATM to withdraw some of my money and my XXXX card was declined so I called the bank and they said they were closing my account due to a identity verification and that I would have to wait XXXX days to receive my money back out of the account so I waited almost XXXX months I called again and they told me to go into the physical bank location and I would be able to receive my money when I got there the lady told me that due to the fraud department for US bank doing an investigation I can't receive my money and told me that there was nothing I can do about it and that I just had to wait until the investigation was over and this type of thing can last 6 months so here I am a year later and I am still trying to get my money because I am not rich and I need it to get by day to day and the bank told me that the money was removed from the account and they have no more information on the money and I never got an explanation or anything 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
My complaint is that there is a billing error. Per the back of my billing statement it says in the CREDIT BALANCES section says if your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. ( Which clearly says it's money owed to Me ) You may make charges against this amount if your account is open. We will send you a refund of any remaining balance of {$1.00} or more after XXXX months, or as otherwise required by applicable law, or upon request made to the address in the contact us section on page XXXX of your billing statement. So this means that the {$8500.00} actually is owed to me per there own policy. Because I'm the main investor over this charge card. Account ending in XXXX with Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a Capital One venture credit card. Using the card I had earned XXXX miles. Capital One miles are stated as {$1.00} for every XXXX cash equivalent. Thus my rewards balance equated to {$2100.00} On XX/XX/24 Capital one closed my account for inactivity. No notice was received that account would be closed and my XXXX miles disappeared. 

I have a XXXX  credit score and no delinquent payments on this account. I reached out to capital one if account could be re-opened, miles transferred, or paid out for equal balance. They told me policy that miles for accounts closed are all forfeited. Their online user agreement policy says rewards are transferable, rewards do not expire, and states nothing about capital one right to close accounts for inactivity. 

I have requested the signed user agreement specific to my account that states accounts are closed for inactivity. Capital One could not be provide. After much back/forth, they offered to do a check for {$1000.00} or half the cash equivalent. This still means {$1000.00} was taken from me. 

Online blogs revealed several other customers with similar complaints where capital one unannounced closed accounts for various reasons and customers lost all their rewards benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I can not get in touch with anyone at Citizens Bank. 

I can only get hold of the people at my local XXXX NJ Branch. They keep saying they have contacted the corporate office, and that my 1099 int forms will come within 7 to 10 days. I have been hearing this since late XXXX, and heard it again this morning, XX/XX/XXXX. This is holding me up from filing my tax returns. 

The branch personnel say they can not get anyone on the phone over at Citizens Corporate. 

The number they gave me to call is XXXX. When called you will get put in an endless loop and be unable to speak with anyone. I would suggest you try this for yourself. 

Futhermore my user id and password have not changed. Sometimes I am able to login to my account and sometimes it gives me a response stating " Please check your username and password. If you still can't log in contact your Salesforce administrator '' No phone number of way of contacting the Salesforce administrator is given. 

This is random and makes absolutely no sense. I would like to be able to contact someone over at Citizens for status of my 1099 int tax forms and also for a resolution to their website issue. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: LA

Complaint narrative:
Tranaunion i have no idea ofnthese inquries i did XXXX inqury with XXXX XXXX the XXXX or XXXX XXXX financial.runs my credit regularly on a ac out that is offset and actually a repo that they will not report because it's against the law how they took it they are running my credit illegally XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied or gave anyone authorization to run my credit this is fraud I sent this in XXXX weeks ago and told to wait XXXX days when there is fraud report on.my credit It's fraud please delete these inquiries

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Received wire in the amount of {$15000.00} on XX/XX/2024. Transfered {$5000.00} soon after to one of my XXXX Bank accounts. My dates may or may not be exact do to lack of access to my XXXX XXXX checking account. I transferred approximately an addition {$1500.00} to my XXXX account. No issues up to this point. I further requested an additional amount soon after, I believe for approximately {$2500.00}. I waited a few days and didn't hear anything. I finally get a call from Capital one with some questions about this wire request as well as the original {$15000.00} wire I received. I answered with what I thought were accurate answers at the time. The person that wired the money did so as Power of Attorney for the actual account owner. We subsequently immediately provided the power attorney to Capital One which should have answered all their questions but apparently they were standing by their illogical conclusion to close my account. I accepted this ridiculous premise and subsequent closing, only asking for funds to be released. All my multiple calls have been recorded per Capital One, and there have been many. They are apparently " still investigating '' ... ..it 's been almost 6 weeks, money has not been released to either original sender or myself. I have lost out on all the business opportunities this money was meant for and still can not get an answer from Capotal One. The person who sent money is also frustrated as they have tied our money needlessly without logical explainations given. Only that we need to wait and see what the investigator needs. We have provided anything they have asked for but can never get progress from this so called investigator who apparently has no phone number, no email address, no name, no anything that shows he even exists. We wonder who else 's money Capital One is inexusably holding and profiting from, could be quite a scam I am am thinking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/2024 I did a purchase on XXXX for {$280.00}. Later that day i canceled the order and XXXX processed the refund. However, the money was supposed to be on my account yesterday XX/XX/XXXX because it was a canceled transaction. I spoke to someone at Cashapp and the response was that XXXX is the company holding my money. I spoke to XXXX  and the answer was that my issuer bank is the one holding the money. Nobody wants to take responsability and i need my earned money back. All these companies should be held accountable for holding money they dont own.

Now nobody wants to tell me where is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-02 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: NY

Complaint narrative:
so I sent a dispute letter to Experian XXXX XXXX XXXX, XXXX, TX XXXXXXXX I have also attached the same letter so you the CFPB will have proof of the dispute letter I sent to Experian. I had sent it by Certified Mail. And on XX/XX/XXXX, XXXX at XXXXXXXX XXXX it was Delivered. i will Attach the proof of the Certified Mail receipt in the letter I had Attach my New York driver 's license a copy of my SSN CARD and a copy of a bank statement as proof of Address and Identity. yet on XX/XX/XXXX XXXX XXXX, I received an email from Experian asking for all the same identification I mentioned I will attach the email that was sent to me. At this point, I don't believe any human at Experian is actually looking at my dispute letters I believe it is all AI-automated. or this is the practice they use to make it hard for consumers to fix inaccurate credit reporting. I am very upset about the way Experian uses info to gain and make money off inaccurate credit debt. this hurts my life and my living. The last complaint XXXX has the latter I sent to Experian along with my ID my SSN Card and a Bank statement as proof and learned this because XXXX sent me a letter asking for this, so this is why I sent my ID my SSN CARD and bank statement to all 3 credit bureau and to see an Email from Experian after i already send everything they asking for is not a nice feeling can any one help please 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 2024-03-02 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2024-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
XX/XX/XXXX sent letter via companies site requesting the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt.

2. The original agreement bearing my signature stating that I have agreed to assume the alleged debt including the original date the alleged debt became payable.

3. Valid copies of the original alleged debt agreement stating the amount of the debt and interest charges including the date of the original charge off and delinquency.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Provide proof that you are licensed to collect in the state of Georgia ; and 7. Your license numbers and Registered Agent.

Company has continued to harass me via telephone without providing proof of debt owed. I have verbally and in written form requested the phone calls to cease. They continue to call from new numbers each time I block them. this has happens daily. They have called from more than 15 different numbers. I spoke to an agent and told her stop calling me! I sent a cease and desist letter. They continue to harass relentlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX  XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX XXXX XXXX XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: CBC Companies, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX  XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX  not authorized by me XXXX XXXX XXXX XXXX different unauthorized hard inquiries not authorized by me

Company response to consumer: Closed with non-monetary relief