vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed a fraud report. XXXX XXXX has put a collections on my XXXX and Transunion credit report and the debt is not mine. I paid all my medical bills with my insurance. I would like Transunion and XXXX to delete this collections off my report and block the collection agency from ever adding anything again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to express my disappointment and frustration regarding the unfulfilled promotional bonus associated with opening a new Chase Total Checking and Chase SavingsSM account, as advertised. 

Last year, in XXXX, I took advantage of chase promotion by opening both accounts and meticulously meeting all the specified requirements outlined in the advertisement. Despite fulfilling these requirements, I have yet to receive the promised {$900.00} bonus. 
The requirement included : 1 ) set up a direct deposit for checking account : {$500.00} biweekly 2 ) deposit and maintain {$15000.00} in my saving account for more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CT

Complaint narrative:
I attempted to pay off balance of {$350.00} but the company will not accept unless I pay another year 's fees. I sent money order XXXX for {$350.00} but they returned it. This is a good faith effort to pay a debt and they are refusing the payment so they can make more money off junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
I hereby declare that I do not, and have never consented to any contract purportedly established between myself and [ insert name of collection agency ], as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX, the app Venmo locked my account for investigation, they claimed my funds were illegitimate when they are a from a crypto program that THEY offer to use on the app itself. I received over {$1000.00} of crypto on my account, and they are holding my money refusing to withdraw it to me, while also freezing my account. I just want my money now, and Ill stop using the app Venmo forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am trying to buy a home and there's records of late payments that's preventing me from moving forward. I've tried to clear up the discrepancies with the companies involved which revolved around a fraud case with a now closed bank account that the payments were made from. That ordeal caused a terrible domino affect and my family 's future is now in danger. I want to clear up all of the accounts ASAP and clear my late payment marks in the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: IL

Complaint narrative:
I am trying to buy a home and there's records of late payments that's preventing me from moving forward. I've tried to clear up the discrepancies with the companies involved which revolved around a fraud case with a now closed bank account that the payments were made from. That ordeal caused a terrible domino affect and my family 's future is now in danger. I want to clear up all of the accounts ASAP and clear my late payment marks in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My checking account had fraud occur. I called and they froze the account and opened a new checking account. The person I spoke with ordered checks for the new checking account. The fraud account was a joint account. An account with only my name was opened. The checks arrived with my name inccorrect on them. The checks are printed with the name XXXX XXXX XXXX. It should be XXXX XXXX XXXX. My husband 's name is missing. I called and each person told me I would have to go the a branch to fix this. I went to the branch which is 50 miles from my home. The branch manager told me she could not give me my money back for the cost of the checks original wrong checks. She stated I would have to call customer service to request that money back. She ordered new checks and added my husband to the new account. She told me I must pay for the checks and pay the expedited amount to get the checks quicker. The reason being that I waited over 2 weeks to get the first wrong checks and I need voided checks showing the new account for some of my bill payers. I attempted to call today to get my money back on the wrong checks and the automated system keeps hanging up on me. I just want a refund of the cost of the original printed incorrectly checks. The amount charged was {$31.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One sent me a fraud prevention email on XX/XX/2024. I called in and questioned the validity of the request and received an unruly, hostile, and XXXX human being. She threatened me over the phone and actually stated she was " warning '' me. These representatives from Capital One are not properly fit to be speaking on behalf of a bank because they are not professional. I also have a hard time understanding them. Capital One, despite my numerous payments, has been wasting my time by trying to get me to speak to people who are difficult to speak with in order to validate my private information in a XXXX outside of the XXXX they operate in. I want representation within the United States for this bank only. If the Bank decides to close the account, they are doing so because they are discriminating against me. I'm appalled at the terrible service Capital One has all because they want to try and save money by hiring people who are not in a position to be handling financial matters over the phone. 

The third representative couldn't even call the correct phone number for my financial institution to get them to verify the account. These are the individuals that Capital One hires. I have zero confidence that they are protecting the people using their cards. 

The 1st Representative I spoke with on XX/XX/2024 hung up on me while threatening me twice. This individual needs to be fired. 

All payments were validated and the account information was validated to be mine. I don't feel comfortable with XXXX XXXXXXXX handling my personal information and that is a National Security Risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is falsely alleging that I am past due on my Best Buy account. I have disputed the allegation, retorting that I made the payment last month but, it was not properly credited to my account. Now, starting XX/XX/XXXX, an automated call is being made to my telephone number every day, repeatedly restating that I owe a payment, and demanding that I pay it now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Response to Complaint XXXX ; Submitted XX/XX/2024 ; Responded XX/XX/2024 Dear Equifax Information Services LLC , Thank you for your response regarding my complaint filed through the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
Upon reviewing your response, I appreciate the completion of your investigation into the inquiries on my credit file. However, I must respectfully assert that the resolution provided does not adequately address the crux of my dispute. 
As per the Fair Credit Reporting Act ( FCRA ), it is incumbent upon Equifax Information Services LLC to validate the inquiries in question through a comprehensive investigation. This includes substantiating proof of authorization for each credit inquiry listed on my report. My complaint explicitly contests the validity of these inquiries, asserting that I did not authorize the companies stated on the report to access my credit file. 
While I acknowledge the importance of inquiries as factual records, it is imperative to emphasize that the FCRA mandates a stringent process for their retention and validation. Should Equifax fail to produce the requested evidence substantiating my authorization for these inquiries, they must be deemed invalid and promptly removed from my credit file. 
Furthermore, your response does not provide satisfactory clarity on how Equifax intends to address inquiries that are found to be unauthorized. Merely advising me to contact the companies directly does not absolve Equifax of its responsibility to ensure the accuracy and integrity of the information contained in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
In XXXX of XXXX, called XXXX and cancelled my ex-wife 's cell phone and ported the number to XXXX. Sometime later, I received calls saying that I owed money on the account. From what I remember, XXXX did not disconnect a data account that was supposed to have already been disconnected. When asked about this, I told the rep what happened and they researched the issue and told me that nothing else needed to be done. 

Today ( XX/XX/XXXX ), I received a call from Amsher Collection Agency who told me that I owed a bill with XXXX. I sent them a dispute today and also told them what happened. Since this is the second time I'm handling this, I want confirmation that this has been resolved. I also want {$1000.00} as a statutory violation and if this isn't done, I plan to sue Amsher for the {$1000.00} violation. There is also a violation of the statute of limitations. Amsher claims they recieved this debt on XX/XX/XXXX, however, this is a matter that dates back XXXX XXXX, so I have no documentation regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, CAPITAL ONE I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections 392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . 

It's been brought to my attention that CAPITAL ONE has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I haven't provided consent for CAPITAL ONE to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws. 

I demand, with unwavering certainty, that CAPITAL ONE immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that CAPITAL ONE will swiftly address these egregious violations, honoring my rights under federal and state laws. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Credit company said they would set up a hardship on my account and even set up automatic withdrawals for the account with intentions of keeping account in good standing lowering apr during duration of hardship program as long as no payments were missed. I got a call from collections saying I was past due so I paid full balance then I pulled my credit report showing Im past due XXXX billings I called the company they said the person never put me on a hardship plan I asked why they said they are not sure but continued taking payments from my account with deceptive and false intent I called numerous times asking them to pull the phone calls to show me proof to fix the issue and every manager I spoke with refused to help

Company response to consumer: Closed with monetary relief