vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I sent a letter asking for an investigation of the validity of what the company is reporting to agency. Equifax responded with the same missing information. Missing information from the payment history questions the validity of the account making this particular account incomplete in the manor it is being reported. This suggest Equifax did not verify the account per my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Last year, Citibank upgraded my advantage Visa card to " thank you '' card which I have been using but I prefer XXXX XXXX miles so I responded to their email inviting me to apply for a visa credit card that has miles as the reward. Over the past year, on three separate occasions I applied and was informed that they were not going to honor the new account promotion which was offered to me in the email. I have an XXXX credit rating for over 30 years and have never missed a payment. It seems that I am being blackballed from all new account promotions from Visa, Mastercard and American Express. This can not be legal

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 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX {$1100.00} Wakefield and associates {$1600.00} I don't know where these are but I am a victim of identity theft and in there are a whole bunch of of accounts that I don't know about including these two. They said it was for XXXX XXXX XXXX I believe that someone has my ID and social security card which I had lost and use my name. I don't know why but this is not acceptable. I called XXXX XXXX XXXX XXXX and they gave me this information. I seen it on my credit report and I told them that I did not know what these files are but they just told me that I need to pay. I'm not going to pay for something I didn't receive. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened an account with Citi in XXXXXXXX XXXX XXXX  with a targeted promotional offer of XXXX XXXX XXXX miles if I completed a few steps over the initial 90 days of the account being opened. I completed the steps within the first 30 days, which included using my debit card on at $ XXXX worth of purchases and having two direct deposits of my paycheck, which had to total $ XXXX. The promotional offered stated you would get the miles 30 days after completing the tasks. I called in XXXX to inquire about why I had not received the miles, particularly because I returned my direct deposit to my primary checking account and I was being charged $ XXXX as a service fee to keep this Citi account open. They told me it was 30 days after the 90 days that I would get the account. I explained that it was, in fact, past that deadline. When the individual on the phone did the math he said, oh..I 'll have to put in the paperwork for them to open an investigation. I never heard back, so I tried a few months later to use the chat feature in the app. The supervisor on chat told me he was not authorized to talk to me about it, and he would fill out paperwork for an investigation. I never heard back. When I tried to call again they asked me for a " secret word '' that I had established when I registered, my mother 's maiden name for example, and I told them my mothers maiden name and they said that wasn't the word and hung up on me. I have now paid close to {$100.00} in fees keeping this account open, and I am frustrated that I was targeted for this promotion and the bank is refusing to honor their side of the promotional offer AND making it impossible for me to even close my account if I wanted to. It is extremely predatory and fraudulent, and I honestly don't know what else to do to get this resolved. I have read XXXX threads where others have discussed having the exact same experience with this exact same promotional offer. With many of those individuals citing the high amount of fees they paid just to keep the account open in a hopes of getting the promo they were promised.

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 2024-02-24 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:
Unrecognized inquiries noted on my account as well as inaccurate personal information is listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: FL

Complaint narrative:
I was checking my consumer report and saw a bunch of credit inquiries I do not recognize. 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 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 2024-02-24 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 was checking my consumer report and saw a bunch of credit inquiries I do not recognize. 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 2024-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc.
State: TN

Complaint narrative:
I returned the car back to car max I had to do a lot of repairs this car was in and out the shop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Upon checking my credit report I noticed XXXX added a new collection to my credit report by collection agency credit corp solutions account number : ( XXXX ) but this account was charged off with original creditor XXXX XXXX XXXX XXXX XXXX XX/XX/2023 account considered 1099c cancelled debt to be filed on taxes my credit report even show I owe {$0.00} balance for this account. Several months later down the road the collection agency XXXXorp solutions attempts to collect on a 1099c cancelled debt account and reporting this as a duplicate account because its already being reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX account number : ( XXXX ) please remove duplicate accounts this is not lawful thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Aargon agency inc {$1100.00} XXXX XXXX XXXX {$1600.00} I don't know where these are but I am a victim of identity theft and in there are a whole bunch of of accounts that I don't know about including these two. They said it was for XXXX XXXX XXXX I believe that someone has my ID and social security card which I had lost and use my name. I don't know why but this is not acceptable. I called XXXX XXXX XXXX XXXX  and they gave me this information. I seen it on my credit report and I told them that I did not know what these files are but they just told me that I need to pay. I'm not going to pay for something I didn't receive. Please help. 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 2024-02-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Disputes was file with all three credit bureaus however in mine disputes i request the original Sign Agreement wr for this debt. On XXXX contact Sycn/PP stated no longer have any information on this debt. I'm requesting the original Sign Agreement stated I owe this debt or delete from mine credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I had an account and went away for the weekend and my account was hacked and charged. My bank spoke w the company and the transactions were cancelled and the case was dropped but this debt collection agency bought the debt w out my consent and is now trying to blackmail me into paying it while holding my credit score hostage by lowering my scores. Please remove Caine and Weiner from my credit profile as I no idea who this company is and have never entered into any type of agreement with this company. Please have the company provide a mutually agreed upon contract or remove this from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
XXXX XXXX is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/2024, Ive received an email from a Venmo account specialist. Ive been chatting with them through email about why they suspended my account. All I did was to sell my computer to someone and decided to send me money from Venmo. Then I decided to move my PayPal account via XXXX ( a cross-platform money transfer ) because I didnt have a bank account as I was told by a Venmo agent because I cant add my PayPal debit card to my Venmo account. It failed me a few times and it triggered a suspension is what I known so far. They didnt tell me an exact reason why I got suspended. They wanted to send me proof of documents and after I sent them, they did not accept them and they are valid documents. They wont release my funds and I really need the money because I earned them, not to have them on hold. My {$220.00} are sitting there in Venmo and I cant be waiting 6 months to unfreeze them. I need to support myself, I cant let them freeze my account for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I have been disputing fraudulent items on my report and requesting an investigative report from credit bureaus and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I have been disputing fraudulent items on my report and requesting an investigative report from credit bureaus and never received.

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 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against [ LVNV Funding LLC ] Account Number : [ XXXX ] Date of Collection : [ XX/XX/XXXX ] Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ Collection Agency Name ] for their violations of consumer protection laws. The purpose of this letter is to bring to your attention the multiple infractions committed by [ Collection Agency Name ] that are in direct violation of the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ Collection Agency Name ] has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, negatively affecting my credit.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair chance to dispute the account, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means : [ LVNV Funding LLC ] has engaged in false, misleading, and deceptive practices in their attempts to collect the debt. These tactics are in direct violation of consumer rights and go against the principles outlined by the CFPB.

Violation of Disclosure Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : [ LVNV Funding LLC ] has furnished the account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau thoroughly investigates the actions of [ Collection Agency Name ] and takes appropriate measures to rectify the violations committed. Additionally, I request that the inaccurate collection entry be removed from my consumer report as it is the result of [ LVNV Funding LLC ] 's failure to comply with federal regulations.

Enclosed with this letter, please find copies of relevant documents, including correspondence with [ Collection Agency Name ] and any other evidence supporting my claims.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that [ LVNV Funding LLC ] is held accountable for their actions and that consumer rights are protected. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
Unrecognized inquiries noted on my account as well as inaccurate personal information is listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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:
Unrecognized inquiries noted on my account as well as inaccurate personal information is listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
I was contacted via mail by XXXX XXXX XXXX/Mandarich Law Group attempting to sue me for a debt ( {$9600.00} ) that is past the collection statute of limitations for New York ( N.Y. Civ . Prac. L. & R. 214-i ). In the letter I was threatened with wage garnishment and a hit on my credit score. Since the debt is time-barred, the FDCPA prohibits a debt collector from threatening to file a lawsuit, or threatening to take action that would require them to win a lawsuit, such as wage garnishment or bank levy. XXXX XXXX XXXX Mandarich Law Group are acting in clear violation of the FDCPA. 

The stamp on the court summons has the date XXXX XXXX, XXXX ', I'm confused on why it is dated XXXX, when we are in the year XXXX. The credit card account that I'm being sued for was opened XX/XX/XXXX. According to N.Y. Civ. Prac. L. & R. 214-i, this is well past the statute of limitations to collect on said debt.

Company response to consumer: Closed with explanation