vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: PA

Complaint narrative:
Unifin has my contact info, they have called me every single day for weeks now. I told them everytime to contact me after XXXX and the holidays so I can further address the matter. Today, XX/XX/year>, XXXX XXXX XXXX. They called me mother in laws house looking for me. I took the phone from my sister and law and demanded to speak to a manager, once again they hung up. I also requested for a bill or something in writing sent to my address so I can see what is owed. I called back on my husbands cell phone and demanded to speak to a manager. And to explain to me why they were calling my mother in laws house phone. I never resided at that address nor am I affiliated with that phone number or address. My mother in law said if this company contacts her again, she will file for harassment. The customer service rep, got very ignorant with me on the phone also. This company has not sent me anything and is now resorted to calling my family members phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello. I am filing this complaint because of the following : Last XX/XX/2024, I was visiting my daughter in NJ where I had a horrible accident and was hospitalized for XXXX days and had moderate XXXX XXXX. After my brief stay in the hospital I went to rehab and then to a few sub-acute assisted living places, before finally settling down at my permanent assisted living close to my daughter. 

My daughter and I called chase bank last week to inquire about my chase ultimate rewards balance. I was given no information as the representative told me my credit account was closed and my points were forfeited. They were also unable to give me the balance of points I have. 

I am now aware that my account has to be in good standing in order for the points to remain active, as they told me on the phone, but nobody mailed, called, emailed me any notice saying my account was closed and my points were forfeited. I have not had a stable address since XX/XX/2024 so it was impossible to inform me like chase said they did. 

What I don't understand is how I can be a chase customer for years and accumulate all of these points and then because of a medical accident and delay of payment, boom, the points are gone. Don't you think my daughter had more important issues, like my health, to figure out, with my credit card not the XXXX concern on her mind. 

I am now XXXX XXXX XXXX. I know I have an outstanding balance on my closed account, but I am still entitled to my points that have grown over many years. I am prepared to settle my balance owed, but I am entitled and want my points. You can not tell me my points are gone without informing me. 

If you need hospital, rehab, etc, documentation please let me know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: IL

Complaint narrative:
I am filing this report regarding multiple violations of the FCRA by XXXX XXXX XXXX this account has many discrepancies that need to be addressed. I request immediate removal and compensation for each violation violating my rights.

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 2025-01-01 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My information was compromised from a data breach. 15 USC 1681 ....

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 2025-01-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NV

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX  XXXX XX/XX/XXXX {$7900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$140.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  XX/XX/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 2025-01-01 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: NJ

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 2025-01-01 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: MD

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

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 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have been a Kohls credit card holder for over a decade. This was a card that only worked in Kohls stores. Without prompting Kohls sent me a Kohls XXXX that works like a regular XXXX card through XXXX XXXX. I did not request a new account or a Kohls XXXX. I have attempted to cancel it twice but I recently received a statement in the mail. The customer service representatives that I contacted both times were not native XXXX speakers. I dont know if they misunderstood my request to cancel my Kohls account, but as I said I am still getting statements. I do not want the opening and now closing to affect my credit rating. As I said I never asked for the Kohls XXXX and I asked to even close my Kohls store credit card. I no longer want any credit cards from Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX, it was breached a line across multiple platforms and Ive tried to dispute multiple things on all three credit reports, and they tell me that they are not going to delete any of my information and due to the law XXXX XXXX rights to privacy. These things are not mine. I have disputed and disputed and nothing comes of it. I need these items deleted off my credit report. There are multiple credit inquiries not mine and charge offs and what not. We need to take care of this asap please. 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX  issued me a Form 1099-C, signifying the cancellation of debt for my credit card account. The account was opened on XX/XX/XXXX, and closed and charged off in XX/XX/XXXX. The first charge-off was reported in XX/XX/XXXX, with a balance of {$890.00}. The most recent charge-off update was reported in XX/XX/XXXX with Equifax and XXXX. I filed a dispute with Equifax on XX/XX/XXXX, and received their dispute results on XX/XX/XXXX. XXXX has deleted this account from my credit report as of XX/XX/XXXX, following my dispute. However, Equifax and XXXX continue to report the account as charged off and update this status monthly, even though the debt was canceled and reported to the IRS as such. This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and up-to-date. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, such as XXXX XXXX  XXXX to not report inaccurate or incomplete information to credit reporting agencies. Reporting the account as " charged off '' monthly after issuing a Form 1099-C indicates inaccurate and incomplete reporting. FCRA 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ( Equifax and XXXX ) conduct a reasonable investigation of disputed information. My disputes have not been properly investigated, as evidenced by the inconsistent resolution compared to XXXX. FCRA 605 ( 15 U.S.C. 1681c ) states that negative information such as charge-offs must not be re-aged or reported in a way that extends its impact beyond permissible limits. By updating the charge-off monthly, Equifax and XXXX appear to be unfairly prolonging the accounts negative effect on my credit score. FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) emphasizes the importance of accurate reporting to ensure fair credit assessments. The failure to align reporting practices across bureaus and the contradiction with the 1099-C issued by XXXX XXXX  undermine this principle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Requested a Cease and desist to XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Account Number XXXX **Subject : ** Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am writing to inform you that I refuse to pay the alleged debt associated with your collection efforts.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
A letter was sent to all XXXX credit reporting agencies that XXXX XXXX  is not holding me responsible for the debt reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: WA

Complaint narrative:
My account was frozen due to a return done where funds were supposed to be put back on the card. They requested I email receipts of transactions both purchase and returns. I emailed the requested receipts three separate time and all three times they came up with excuses why it would not work. The last being they were illegable. I used the same fax service all three times but of course only the last time when I met all of the other requests were they illegable. This has been going on for almost two years 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I visited two different branches of Bank of America with the intention of opening a new bank account. I am an XXXX national holding an XXXX XXXX. During both visits, I provided the required documentation as outlined by Bank of America. 

First Attempt : I submitted the following documents to open an account : Passport Social Security Card ( showing my U.S. address ) Form I-94 Banks Response : The branch informed me that the Form I-94 was not sufficient for opening an account and that additional documentation was required. indicated that my application could not proceed without further verification.

Second Attempt : Action Taken : I went to another branch with these documents : Passport Social Security Card ( showing my U.S. address ) Form I-94 Form I-797 ( Notice of Action ) Banks Response : Despite providing the additional Form I-797, the branch staff informed me that my XXXX XXXX status, in conjunction with my XXXX  nationality, was not acceptable for opening a bank account. My application was declined solely based on my nationality and visa type, without a clear or justified explanation. 

Throughout both attempts, I adhered to the list of acceptable documents provided by Bank of America and followed all instructions given by the branch staff. However, I was ultimately denied the ability to open a bank account solely based on my XXXX nationality and XXXXXXXX XXXX status, without a transparent or valid reason.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law.

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state.

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above.

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
XXXX disbursed a very late issued administrative law judge XXXX XXXX payment ..mandatory bank card ( money network ) with a payment of XXXX dollars card was sent to wrong address..card never received or arrived funds were stolen account was hacked and my identity compromised Been having issues since arpril XXXX need help even filed police 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 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MN

Complaint narrative:
The Receivable Management Services continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and BBB on this issue. The Receivable Management Services has XXXX  days to delete the accounts in violation before I sue for 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