vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank does not posses the most rudimentary levels of banking skills, customer service, or reliable online account access. As evidence of the small minds that run this bank, my name was supposed to be added to a relatives account as an authorized user, in case of emergencies. We signed a bunch of paperwork for this purpose. During a medical emergency, I have learned that what the branch told us was entirely false. Instead of what was needed, they set up a joint account ( for no good reason ). Further, a joint account at US Bank does not have joint bill-paying ability. What in the XXXX is the point of a joint account if each person can not pay bills? Absurd. Inexcusable. Inept. Ignorant beyond words. 

Then, I was locked out of the online account for unspecified reasons. The bank, in all its condescending incompetence, mandates the lockout last for 48 hours. To force a customer to endure a 48-hour hold is nothing but an egregious failure to understand its own systems, and the most basic fraud-prevention practices. 

Given that my relative is XXXX, has been in the hospital, and needs money for care, locking the account, amounts to Financial XXXX Abuse. Regulators and lawmakers need to step in and mandate that account procedures meet a minimum level of care in order to prevent abuse and hardship imposed by arrogant bank leadership/tech people/fraud department XXXX A customer should not be told one thing, and given another. Or, at least a joint account should be a joint account. Online access needs to really offer accessibility to the customer, not a morass of nonsensical BS. 

Shareholders should sell stock, employees should find other jobs, and customers should flee at the first opportunity. There could be nothing more embarrassing for anybody than to admit working for this bunch of pea-brained losers called US Bank 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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
XX/XX/2024 I filled out a donation to the local XXXX XXXX. When the page indicated that Pay Pal was the only option for payment, I ERASED THE INFO FROM THE FORM. 
I do not have a Pay Pal account and I dont want one. PayPal has been involved with episodes of credit card hacking and release of private information in the past. I WILL NOT HAVE A PAYPAL ACCOUNT., Despite erasing the form and backing out of the process, PayPal sent a notice that they were processing this donation even though I did not complete the donation and did not give consent to pay. 
PayPal has an old email of mine ; they HAD BETTER NOT have my credit card information. They are NOT authorized to make payments or promise of payments on my behalf. 
I dont and WONT have an account with PayPal , so it is virtually impossible to contact them. 
Paypal is a company that is not trustworthy of private information. 
If PayPal has any credit card information of mine, they have obtained it ILLEGALLY. 
PayPal does NOT have the authority to process any financial transactions in my name. 

Interestingly, they have sent notices recently on other transactions that I had nothing to do withclearly, my information has been hacked through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX number : ss XXXX Your NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC XXXX Dear XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had a credit card with a {$99.00} annual fee. Wanting to avoid paying this fee, I cancelled the card after noticing the charge, but I paid the full balance, including the fee, before closing the account. In the past, I was refunded the prorated portion of the annual fee after cancelling, but this time I did not receive a refund. I called and spoke with a representative who informed me that I am not eligible for a refund, even though I cancelled the card on the anniversary date and have not received any services for the annual fee. This information contradicts my previous understanding of how annual fee refunds work for credit cards.

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 2024-10-20 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Inquiry placed on my file by a company I did not authorize to do so. XX/XX/2024 I did not authorize thos

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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: CO

Complaint narrative:
I requested from MRSBPO LLC proof of the Debt by mail with a certified return receipt. I requested proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.

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 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: DE

Complaint narrative:
I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I lost my Job.I talked with Bank of America about my Credit Card to see if my payments can be put on hold due to being unemployed. They never even tried to do that. Instead they added a charge off plus interest a total of {$830.00}. Then they sent the bill to a collection agency.Bank of America made extra charges to my account for no legitimate reason.Hard working money that I try to earn to pay off. After I found out about this I recalled Bank of America again to discuss my credit card to see if they can work with me on the payment. But still they could not. 
Please see if yall can help me with this please. 
Thank you for your time, and concern. 

Sincerely 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding an issue I have encountered with a credit bureau that has refused to update my personal information as per my rights as a consumer. 
I have made several requests to the credit bureau to ensure that only the address listed on my identification is maintained on my credit profile. Despite my repeated attempts, they have not complied with my request. I would like to understand if the law permits them to disregard my rights as a consumer in this matter. 
I believe that consumers have the right to have accurate and updated information on their credit profiles, and I am concerned that my rights are not being upheld. I would appreciate any guidance or support you can provide to help resolve this issue.

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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I requested from MRS BPO LLC proof of the Debt by mail with a certified return receipt. I requested proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: CT

Complaint narrative:
On XX/XX/2023, the CFPB issued a consent order against XXXX XXXX for engaging in unfair and deceptive leasing practices. The order requires XXXX to forgive all outstanding balances on existing leases and prohibits further collection efforts. Despite this, I am still being pursued for a balance of {$300.00} by Vance and Huffman LLC on a debt that should have been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit. I am writing to request a removal of this collection account XXXX on my credit report. I believe this information is inaccurate. Please investigate and remove this item from my report. 

Thank you for your prompt attention to this matter.

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 2024-10-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit. I am writing to request a removal of this collection account XXXX on my credit report. I believe this information is inaccurate. Please investigate and remove this item from my report. 

Thank you for your prompt attention to this matter.

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 2024-10-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit. I am writing to request a removal of this collection account XXXX on my credit report. I believe this information is inaccurate. Please investigate and remove this item from my report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Navient was my former loan servicer and it provided me bad information regarding student loan forgiveness and me taking advantage of Income Drive Repayment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: TX

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681 ( e ) ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge-Off : XX/XX/year> Amount : {$46.00} The information regarding this account is inaccurate and incomplete. Under Section 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports.

I believe that your agency has failed to meet this standard in regard to the reporting of this charge-off. I respectfully request that you re-investigate this matter by contacting the original creditor to verify the accuracy and completeness of this information. If the account can not be verified or is found to be inaccurate, I demand that it be promptly removed from my credit report in accordance with FCRA 1681 ( e ) ( b ).

Additionally, under Section 611 of the FCRA, credit reporting agencies must investigate disputes within 30 days. If the charge-off can not be verified, the credit reporting agency is required to delete the inaccurate information from my credit report.

Please send me written confirmation once the investigation is complete and the inaccurate charge-off has been removed. I expect a response within the 30-day period, as required by law. 

Thank you for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information appearing on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$510.00} These accounts have resulted in numerous fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts or collections as they were not opened, made, or initiated by me. All mentioned accounts and inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof that these accounts and collections are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation