vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MD

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX LJ Ross Associates XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Verify Collection Payment Dear Sir or Madam : I am writing to dispute the following information in my file. This item is being reported inaccurately. I never paid LJ Ross Associates the Debut that was paid to the creditor ( XXXX XXXX. I am requesting that LS Ross Associates remove this item from my credit file I am requesting : Evidence that I paid LJ Ross Associates with receipt of payment. 
Verification that this debt was assigned or sold to LJ Ross Associates. 


Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: MA

Complaint narrative:
My student loans are showing up on my credit report twice, which is significantly affecting my debt to income ratio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
This XXXX XXXX account # XXXX is reporting on my credit report. It does not belong to me I have disputed this account online and have not gotten any resolution. I am demanding this account be removed immediately. I have filed an ftc report as well as a complaint with better business bureau

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 2024-12-22 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:
This XXXX XXXX account # XXXX is reporting on my credit report. It does not belong to me I have disputed this account online and have not gotten any resolution. I am demanding this account be removed immediately. I have filed an ftc report as well as a complaint with better business bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Capital One ended their relationship with XXXX stores and turned my credit card account held with XXXX into an additional Capital One account with a XXXX % APR. I already have a Capital One account with a XXXX % APR. There is no reason I should have XXXX active credit accounts when all this does is increase a security threat of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a atm deposit on the XXXX to my checking acct # XXXX chase bank. 

The atm took my money and while counting it stopped working. 

I contacted the bank via the number the atm provided on the screen and they made a report. 

However after XXXX weeks they say they found nothing with os totally false and incorrect. 

I need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank has blocked my business account for XXXX XXXX XXXX as they are claiming fraud has been confirmed in the account. This happened on Wednesday, XX/XX/year>. I have no access to my accounts or my funds. I contacted fraud department and was told that I would be mailed a letter and the account was due to close because of fraud. I am a paralegal and provide services to different consumers to help with their businesses. All of the funds in my account are legit and I have had this account for 6 months. No one could explain to me what transactions they were referring to, no one allowed me to explain anything, and I am stuck without money during XXXX and I am a single mother of XXXX kids. I am also XXXX months pregnant and this is causing me a tremendous amount of stress as all of my funds have been locked by this bank with no explanation. My second account XXXX XXXX XXXX was also blocked which is a brand new account where I conduct legitimate business for my trucking company. I need answers immediately and I need access to my funds immediately. My car note is due on the XXXX of XXXX and they have locked my funds up for no reason at all and false allegations of fraud. I do not appreciate this bank accusing me of a crime that I did not commit.

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 2024-12-21 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: U.S. BANCORP
State: TX

Complaint narrative:
I paid off the credit card for XXXX XXXX XXXX. Account ending in XXXX. During the dispute, on XXXX occasions, I attached the last monthly statement, showing a XXXX balance on the account. Yet, each time I submitted a dispute, the investigation came back saying everything was accurate. It is not!!

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-22 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: MI

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

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 2024-12-21 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: IN

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transaction that I have made it is the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: IN

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transaction that I have made it is the result of identity theft

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 2024-12-21 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX account an XXXX accounts open fraudulently lost wallet an person was applying for stuff in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: SC

Complaint narrative:
My credit report has inaccurate and false information that I dont recognize on my credit report. These accounts below are hurting my ability to obtain credit. XXXX and XXXX removed these accounts below immediately upon my request. Transunion hasnt been helpful into investigating into my issues. Its been over 2 months. I would like for these accounts to be removed within 4 days. 

XXXX {$890.00} XXXX {$950.00} XXXX {$750.00} XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX  {$1000.00}

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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I did an international wire on XX/XX/XXXX to my family and now XX/XX/XXXX they didnt receive it and I have not get returning to me. I called Bank of America so many time but they still have not solving the problem. Its very frustrating and disappointment.

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 2024-12-22 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> i visited a citi bank branch located at XXXX XXXX XXXX to make a cash withdrawal from my checking account i had recently opened and the teller racially profiled me and told me i cant access my funds because its suspicious. After asking multiple times how to resolve this issue she stated she doesnt have time to deal with people like me she will just locked my account and i can deal with it with someone else. I explained how XXXX is next week and without any way to pay for XXXX gifts or even food i will likely not be able to recover from it. I currently have no funds to my name as i wait to hear back from somebody from the citi bank response team in which after looking at tons of reviews about citi bank everybody has had this same experience if not worst with this specific bank and branch which leads me to believe its a bigger problem at hand then jus my account being frozen days before XXXX to humiliate me or take advantage of people. please contact me back soon as i hope to get this resolved before XXXX thank you and XXXX bless

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 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Every day a company names sequium asset solutions calls my cell phone about a XXXX  bill. I do not have a XXXX bill, and got this phone number only this fall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TN

Complaint narrative:
These are Fraudulent accounts 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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cash App has been a virtual currency application, which I have used for quite sometime. In XXXX, I purchased stock via this application and have not received any dividends. Just recently, I can't access my account XXXX XXXXXXXX to retrieve my money transfers. I called the company and they said, '' that it no longer exist. I did not put in a request to have it cancelled or stopped. This company has caused me undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: PA

Complaint narrative:
After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information contained in credit reports. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date in question XXXX I'm requesting an investigation into the below account and update these payments to paid on time immediately. Thank you for your prompt action. XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never had a debt with the company they claimed. I dont recognize or authorize this collection.

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 2024-12-21 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is not abiding by consumer laws, reporting information inaccurately to credit bureaus violating the Truth in Lending Act ( TILA ), 15 USC 1602, and the Fair Credit Billing Act ( FCBA ), 15 USC 1666b. They have been reporting a charge-off to my credit while wrongfully still claiming a debt is owed, which is a clear violation of consumer protection laws. Under these statutes, once an account is charged off, you are prohibited from continuing to assert that the debt is outstanding. The account was charged off and reported by Wells Fargo in XX/XX/year>. Since charging the account off, the company continues to illegally report the account as an outstanding debt with late payments. The inaccuracies was admitted in a letter received from Wells Fargo however the did not remove the reporting due to violating consumer laws. I request immediate correction of my credit report to reflect the removal of the account due to the violations.

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 2024-12-21 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: 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 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 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 XXXXXX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalif, after any reinvestegation under paragraph ( 1 ) of any information disputed

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