vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My citi card was charge {$7.00} by XXXX on XX/XX/XXXX and {$220.00} by XXXX XXXX transfer and {$360.00} by XXXX XXXX XXXX both on XX/XX/XXXX. I was on a Airline flight to XXXX on XX/XX/XXXX. I called the credit card from XXXX on XXXX and disputed the charges. The dispute did not show up on my account so I called again on XX/XX/XXXX and was told I did not dispute the charges so I then disputed the charges again. On XX/XX/XXXX I again called citi card fraud to ask why they had not opened a dispute and the told me again I had to call fraud and dispute the charges. They now show that they will not overturn the charges online and whenever I call I get the runaround from one phone number to another with no resolution. I have had this credit card for 25 years and have never transferred money in any way and these are not my charges.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance to Fair Credit Reporting Act, this debt collection agency, Resurgent Capital Services, also DBA XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy. Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This debt is inaccurate, and reporting this information on my credit is a direct violation of the law. I request it be removed from any credit bureau it is being reported on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have XXXX accounts with Capital One Credit which have been paid on time and never in collections. The oldest account is XXXX XXXX XXXX. 
I received notice from Capital One today ( correspondence dated XX/XX/2024 ) that these accounts were being closed. No further information was provided except that " activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' Capital One did not provide any explanation for this abrupt and extreme decision nor did they provide any means for me to prevent the impending account closure in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: UT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in their 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 2024-03-25 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 am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed this inquiry, which I believe to be incorrect or unauthorized. I have no recollection of initiating any transaction or applying for any services with the listed creditors.

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 2024-03-25 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a promotional offer for Wells Fargo XXXX XXXX. It offered 0 % for XXXX  months and 18.24 % APR after that. I applied online and received approval with a 24+ % APR. I called but got no explanation so I tried to cancel and spent XXXX hour of juggling. They then said to call back.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-03-25 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: CA

Complaint narrative:
I recently look my credit report and i was shocked to see that i have been victim of identity theft, I found on my credit report fraudulent account : name, address and phone number, that i want to dispute them, I am in the process to buy a new car this fraudulent information harm my credit report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Number XXXX ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX / Name : XXXX XXXX XXXX Fraudulent accounts : XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
5th third bank is attempting to collect on a debt XXXX XXXX XXXX and reporting negative rating on all XXXX of my credit reports which is against federal law according to the FCRA LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-03-25 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: CA

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$10000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized XXXX  for XXXX offense, which is tantamount to Double Jeopardy in criminal law.

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 2024-03-25 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: CA

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$10000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized XXXX  for XXXX offense, which is tantamount to Double Jeopardy in criminal law.

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 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Professional Account Management ( PAM ) is saying that I owe a toll in Virginia that doesnt exist. I called XXXX XXXX in Virginia and they say that they have no violation under the violation number given. I think Im being spammed or a victim of fraud. The notice of violation from PAM also mentions that the initial notice of the violation was on XX/XX/XXXX. I wasnt even in the state of Virginia on XX/XX/XXXX. 

Professional Account Management , LLC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Thursday morning XX/XX/year>, I deposited a personal check for {$2000.00} with my brother at XXXX XXXX, whose on my checking account. A hold was placed on unnecessary hold for a week. This caused me a negative account while I needed my money while on a trip. I've been a customer for over 20 years. I feel that the check was put on an necessary hold for interest for the bank and cause unnecessary bank fees.

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I have a XXXX  credit card through Old National Bank ( formely FIrst midwest bank ) Late last year they switched credit cards from XXXX to XXXX XXXX. All was fine in XXXX. Last month I got three credit card statements for the two different cards. When I called to make a payment they said I didn't owe anything but I do. I have carried and paid on the XXXX balance for months. After hours on the phone with credit card company I went to my bank and they said they couldn't help me because they are not the issuing bank. They tried to rectify the problem with the issuing bank and couldn't. Finally found a way to make the payment and did so. 

This month I am thinking all is okay had the the account set up on XXXX XXXX XXXX XXXX. Try to pay the account and I keep getting the message that I don't owe anything and I know I do because I was paying minimum plus. After 3 days of trying to make this happen I go to the bank today till well after closing and they can get any information on this account. In fact the bank that issued it can't even find it. They wouldn't even tell me who the issuing bank is. 

I don't know what to do. It won't take my payment yet I have a bill in front of me that says how much I owe. And can't send a payment and it is do today 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 explanation
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
I am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe is inaccurate and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
There was a claim on XX/XX/XXXX of XXXX  on the account from XXXX XXXX to XXXX XXXX that was before we opened our account. XXXX had cashed a check from XXXX 's account We opened our account XX/XX/XXXX of XXXX. There was {$530.00} taken out of our account on XX/XX/2023 that had nothing to do with us. We made a claim on XX/XX/XXXX of XXXX  to get our money back that should not have been taken. We have made several phone calls with Bank Of America trying to resolve this issue and nothing has been resolved. We have nothing to do with the check cashed by XXXX from XXXX account. They live in a state we never been to. XXXX owes the {$530.00} not us. This happened before we opened our account.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to formally raise a concern regarding what I suspect may be violations of antitrust laws. On XX/XX/2021, I opened a Milestone credit card account with Genesis Financial Services, aiming to rebuild my credit. Recently, upon reviewing my account statements, I noticed a recurring charge of {$12.00} labeled as fees, persisting despite my regular payments. Although I was aware of the {$49.00

} annual fee, the monthly charge was unexpected and not adequately disclosed. Upon reaching out to Milestone Credit Card
customer service, now managed by Concora Credit, I was informed that this fee was mentioned in the fine print of the Terms and Agreement. However, I am concerned about the lack of transparency surrounding this fee and its impact on my account balance. Additionally, I sought clarification regarding whether interest was applied to this {$12.00} fee, but the response was not satisfactory.

Furthermore, I discovered that opting out of this fee requires submitting a written request to close the account, which appears unduly burdensome and disproportionate given the lack of prior consent to such terms.

I am deeply troubled by the potential deceptive practices surrounding these fees, which may violate consumer protection laws, including the Federal Trade Commission Act ( FTC Act ). Such actions by Concora Credit ( Milestone ) raise serious questions about the fairness and transparency of credit card operations.

I respectfully urge the Federal Trade Commission to conduct a thorough investigation into this matter and take appropriate action if any violations are confirmed. I am fully prepared to provide any necessary information or assistance to support your inquiry.

I am requesting a credit of {$170.00} and any interest accrued as a result of these charges. This is the amount of fees of {$12.00} I received since renewals of card. I am only aware of {$98.00}. How is a consumer able to pay down an account that they are basically stuck with until a written letter is sent and full payment is made.

I have also submitted a complaint to the FTC. The Report Number is XXXX. 

Thank you for your attention to this matter. I eagerly anticipate your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MA

Complaint narrative:
There are unauthorized inquiries 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: OpenRoad Lending
State: FL

Complaint narrative:
they gave me a fixed rate and gave me a credentials to use and ran my credit after they did there numbers that they gave me changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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