vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the FCRA this late payment being reported for XXXX for XX/XX/2024 has violated my rights Per the 15 USC 1666B ( billing error ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been making my payments with my checking account on time and month after month I received letters and phone calls that my payment didn't go through due to an invalid checking account number so multiple payments were made. Then when the payment was processed with someone on the phone the prior payments would also process. In XXXX of 2023 there were XXXX payments that processed all at once. I had the same problems in XXXX and XXXX I spent countless hours trying to figure out why my payments weren't processing. Every time I spoke to someone at Kohl 's customer service or their collections department they said that my bank was not allowing the payment to be processed. They were blaming my bank and so I talked to my bank a lot and they confirmed that there were no payments that were being rejected and that my bank was not the problem. They also confirmed multiple payments from different dates processing all at once. This was impacting my life so I decided to do a root cause analysis to get to the bottom of this and I have found the problem and this needs to be fixed by Kohl 's. I want this to be published so that other people know that this is the problem and I want the CFPB to force Kohl 's to change their online policy. The reason that my payments were not going through was due to Kohl 's systemic issue. Kohl 's now requires that you link your checking account to your credit card in order to process a payment to that account. I do not want to link my checking account to my online Kohl 's account or any other department store. I am sure there are many others that are having the same problem with Kohl 's so I feel this needs to be investigated. This is impacting my finances and it also potentially impacts my credit and I have spent so much time trying to figure out why my payments were not going through when the actual problem is Kohl 's and their requirement that you link your checking account to your credit card in order to make a payment with that checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Vanilla Gift Card Dispute Case XXXX - Unauthorized Transaction {$500.00} The dispute case was created on XX/XX/2023 and the request was to resend the gift card. I never received the card irrespective of numerous calls to the customer care. The customer care person has no clue on the status of the case for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: AZ

Complaint narrative:
Were were behind and got approved for a Trial period plan for a FHA Standalone Partial Claim. We accepted the offer and completed the trial period on XXXX Since the trial period I have called every month and talked to someone about the status of the permanent modification. Every month they have told me that the paper work was being processed and that when we receive it to get it notarized and return it. During this time we were notified that are mortgage was sold but it was sold to the same company that it was already with. We then started receiving delinquent notices and calls so I called and was once again told that they see in the system that we had an approved partial claim so we just need to sign the paperwork. This month when I received a delinquent notice and called I was informed that there was not paperwork because our claim was denied in XX/XX/2023 because we were considered current. We have spent XXXX  months expecting paperwork only to be told that there isn't any and we are still behind {$2800.00}. If we had been told back in XXXX we could have tried to catch it up or apply for help again but now we just have lowered our credit and are still behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Spouse died on XX/XX/2023. I phoned to cancel all credit cards. Every bank did so successfully, except Citibank. I mailed death certificate 3 times to Citibank via US Post Office. I phoned 6 times. I tried to cancel via chat. Citibank has mailed to my dead spouse, 3 new credit cards. Yesterday, XXXX, I received the 3rd credit card. I called XXXX to cancel and to ensure that this card is not activated. Citibank refused to cancel the card. There was a balance of XXXX when I phoned to cancel the card the first, second, third, fourth, fifth, and sixth time. Please help me to cancel this card sent to my dead husband.

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 2024-02-28 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-02-28 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-02-28 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. 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 2024-02-28 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. 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 non-monetary relief
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
I have been a XXXX XXXX XXXXXXXX customer 14 years. Inadvertently I underpaid the {$35.00} min pmt due XX/XX/24 by {$10.00} on XX/XX/24, card ending XXXX. The next statement I received for this card on XX/XX/24 stated a min pmt due of {$47.00} on XX/XX/24 including the {$10.00} underpayment. I received a XX/XX/24 letter stating my credit line on this card was reduced from {$8000.00} to {$2900.00}, evidently because I didn't pay the {$10.00} underpayment before XXXXThey also reduced my credit line on card ending XXXX from {$7500.00} to {$2100.00} on XX/XX/24. For that card I made a {$2400.00} on XX/XX/24 towards the {$44.00} min pmt due XX/XX/24 leaving a {$2000.00} bal due. To add insult to injury my Transunion cr score reduced from XXXX to XXXX and my XXXX cr score reduced from XXXX to XXXX on XX/XX/24 because of all the above. I have been grossly unfairly penalised by these abusive unreasonable actions taken by XXXX  XXXX XXXX. I ask you to help rectify these actions. I am XXXX  years of age and have never been so unfairly treated by a bank.

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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
This is an old cell phone account from 2015. The account is old and when I switched over my phone service from XXXX to XXXX, I was told that my old phone would be paid for from XXXX which actually did happen. Therefore I don't owe anything from that XXXX account on a second note the account is older than seven years, so it should not be on. credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: IL

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
I manage my money very carefully because I am on a small budget and I made purchases in a certain order so that I would be able to afford what I needed until my direct deposit went through. I made several small purchases ( ranging from $ XXXX {$25.00} ) and then the next day one large grocery purchase which I knew would overdraft my account but I was willing to pay an overdraft fee in order to get groceries. The small purchases were already showing being taken out of my account at this point via the app. Two days before my direct deposit was to go through Citizens Bank rearranged the order of the purchase so that the {$100.00} purchase was taken out first ( although it was made last ) which took all of the money from the account and then caused all of the smaller purchases to incur overdraft fees which equaled to over {$400.00} at that point my account was negative that amount. They then allowed a few more small reoccurring charges to go through to my account which then also incurred overdraft fees but then those charges were reversed and I had to pay them a different way but they are still showing on my citizens account and the overdraft charges still occurred. At this point my bank account is negative by over {$1000.00} all of that being overdraft fees or fake charges that I have already paid through a different method. I have since shut off my direct deposit as I can not pay that and feel Citizens Bank should reverse these charges because this is predatory behavior which they have been sued for in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX XXXX  Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Credence Resource Management , LLC told me I have a bill with XXXX XXXX XXXX for {$51.00} from XX/XX/2024. This resulted in a collection being placed on my credit whichresultedin a XXXX pointdecline. I have never used XXXX XXXX XXXX. 

I contacted the company they refused to verbally validate the information. There are XXXX of people complaining about being scammed to the XXXX XXXX XXXX yet no one has shut them down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: CO

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Request Al information on Amazon store card number ending XXXX. 
Synchrony bank card.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2024, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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 2024-02-28 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: NC

Complaint narrative:
On XX/XX/year>, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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