vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: NY

Complaint narrative:
XX/XX/XXXX a transaction in the month of {$17.00} for a gas station called XXXX was made on my account. This was an unauthorized charge on my account and when I called XXXX direct, they refuse to let me make or dispute. These charges that because I have used this gas station in the past that it was a double charge. I then contacted XXXX myself. and they stated to me that they do not have any record of any transaction made of {$17.00} on my account on their records of happening on that day. I explained that to the XXXX company were then they hung up on me denied me the right to dispute the transaction, and then ordered a new debit card on my behalf, and then charging me for it without making me aware of what was going on, then today on XX/XX/XXXX I go into my account and it states on XX/XX/XXXX that they deposited {$23.00} to my account then write above that they deducted that {$23.00} from my account I called the company and asked them why this was happening. They did not have a reason that they could give me, but the reason they did tell me was the {$23.00} was sent to the original debit card that I had but because they issued me a new one that they sent it to the new card that I would be receiving and that I should go on my account and open up my virtual card and then I would see the {$23.00}. Thats when I opened up the virtual card with the lady on the phone and my balance was at XXXX then she continued to tell me that I made a purchase at a convenience store and I looked up the transaction. The transaction was for {$1.00} cents and when I had said that to her, she told me that she had enough, and she hung up on me. Nobody could give me any answers of why this bank keeps taking money out of my account that does not belong to them, and they could not give me any transactions, that would say this is why were taking this they could not provide me anything. I have made no transactions on this account since end of day of XX/XX/XXXX. Something is going on nobody is helping me they are treating me poorly and answering my questions, not providing my banking information, and basically stealing my money out of my account and continuously giving me the runaround and also continuingly lying to me I work very hard for my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: WA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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 recently reviewed my credit report and noticed my account with XXXX XXXX XXXX XXXX that was not reporting accurately. I had one late payment on this account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. This account has not been late on any payments, and I've attached a copy of my report to this complaint on the following date of XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment on XX/XX/24, If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I opened a credit card account with Ollo Credit and then after having had the credit card for an extended period of time, Ally Financial purchased Ollo Credit. When Ally purchased Ollo, I had a contract with Ollo for settlement. Ally, as soon as they purchased Ollo, began harassing me sending me threatening letters and telling me I was behind on payments. I spoke with Ally many times, and explained the contract and the contract would be " found '' by Ally and they would tell me the contract has to be followed and all was fine. Then, the next month the same thing would happen. 
I continued the entire time making my contracted payments. I tried to log in in XX/XX/year> to change my checking account number and a screen popped up stating that my account had been Closed and written off and I was denied access to my account. 
I checked my credit report and it has been reported as written off. I called Ally and was told due to not making any payments it was written off! I have every month 's documentation where the payment was made as agreed! 
The account contract was to paid at {$72.00} for 36 months. I had not missed a payment. 
I asked them to correct the situation and email me the updated information. They refused to email me anything and stated they would " send forms to some other office ''.

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 2024-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am making this complaint to The Consumer Financial Protection Bureau ( CFPB ) a concerning report regarding Bank of Americas handling of a dispute involving a client account. The account holder, experiencing financial strain due to the account being in the negatives, initiated a dispute with a client. However, after the client canceled the chargeback, Bank of America failed to promptly communicate with XXXX XXXX to rectify the situation and return the funds to the account holders account. 

Despite the cancellation of the chargeback by the client, Bank of America has not taken appropriate action to resolve the matter. The account holder has been diligent in providing evidence of the canceled dispute to Bank of America, yet the bank has not fulfilled its responsibility to reach out to XXXX XXXX to confirm the status of the dispute. Consequently, the account holder faces significant challenges, including potential missed car payments and business expenses, which could adversely impact their credit. 

This failure to communicate and resolve the issue in a timely manner is unacceptable and warrants investigation by the CFPB. Bank of Americas lack of action is causing undue hardship for the account holder and raises questions about the banks adherence to consumer protection regulations. Immediate intervention is necessary to ensure that the account holders rights are protected and that appropriate measures are taken to rectify the situation.

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 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I need these hard inquiries removed from My credit XXXXXXXX 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
Consumer complaint received 2024-03-27 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: VA

Complaint narrative:
I need these hard inquiries removed from My credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : 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 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Subject : Complaint Against Jefferson Capital Systems for Improper Debt Reporting and Lack of Notification To Whom It May Concern, I am writing to submit a formal complaint against Jefferson Capital Systems ( hereinafter referred to as " Jefferson '' ) regarding their actions that have resulted in significant harm to my credit score and financial standing. 

I have recently discovered on XX/XX/year> that Jefferson has placed a debt on my credit report for {$1700.00} that had been previously removed. This unexpected action has led to a drastic decrease in my credit score by XXXX points. To make matters worse, I have received absolutely no communication from Jefferson about this debt being added to my report ; no letter, email, or phone call was made to inform me of this significant change. 

As a direct consequence of Jefferson 's reporting, my XXXX XXXX limit was abruptly reduced from {$8000.00} to {$650.00}, which has further damaged my credit score and undermined my financial stability. This reduction in credit limit without prior notice or justification is a severe blow to my financial planning and creditworthiness. 

The lack of notification from Jefferson Capital Systems about the addition of this debt is not only distressing but also appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The FDCPA requires that a debt collector must send a written notice with information about the debt within five days after the first initial communication. Since I have not received any such communication, it is clear that Jefferson has not adhered to these legal requirements. 

Furthermore, I believe that the reinsertion of a previously removed debt raises questions about the validity and verification of the debt itself, which is a right protected under the FCRA. Without proper notification and validation of this debt, I am left unable to exercise my rights to dispute or manage this debt. I have spoken with my attorney who is happy to start a lawsuit with the company if the matter isnt solved. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-27 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
How can a clear inaccuracy on a consumer report be verified? XXXX believes that I have been late however both XXXX and XXXX show no record of me being late on the account. My records do NOT indicate that I was ever late. See attached. I demand verifiable proof that I was ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Credit company ( Alpheon credit ) credit company address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX ) This credit company sent me a credit card in the mail I did not request this credit card or completed any application this account has seem to be open as fraudulent I contacted the company and some of the personal information they provided is incorrect the spelling of my last name, my date of birth, telephone number and email this card that I receive I believe has yet been activated as I just got it in the mail however I did not request this account was credit card and I asked for this company to be investigated as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit inquiries on my credit report that I don't recognize. It wasn't authorized by 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