vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: SC

Complaint narrative:
I have a debit to my account for {$100.00} and this was charged XXXX. I asked an associate why I was charged this and she stated that a previous debit had not been paid and both had been debited to my account on the same day. I asked how I was able to borrow more money if my previous debit had been repaid and she said that the app allows you to borrow more even before they receive confirmation of completion of payment. I asked to be transferred to a supervisor and she did and that supervisor read though my previous conversation with the associate and expressed to me the same thing the associate had. I explained to the supervisor that it was predatory for them to allow me to borrow more money then what I could reasonably repay I asked for resolution and got no response I have now been waiting for over XXXX minutes to get a response. I advised them if resolution could not be made then I would contact CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to XXXX XXXX, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. XXXX XXXX was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected 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 2023-12-29 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: CA

Complaint narrative:
Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,

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 2023-12-29 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:
Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
This has been going on for months - charged multiple Overdraft Fees when no more than one should have been applied. Same-day deposits not being applied to account for XXXX or more days, then being penalized for deposits not being counted, yet transactions still going through even after balance is low : balance is often low BECAUSE of Overdraft fees. While Reps try to be helpful, they're not able to correct/rebate multiple fees. Just yesterday I was charged an Overdraft Fee when, according to my Statement, my account wasn't even below XXXX ( see first Screenshot, taken today ). 

This is a recurring issue. On XX/XX/XXXX, I even called Citizens to see what my Balance was, and to make sure I had enough to cover what was being withdrawn the next day ( they can see upcoming/next day 's charges on their end ) - I threw a bunch of money into my account- which should have been same-day - and a Rep assured me I had enough to cover my purchases, as there were none coming up - but sure enough I DIDN'T have enough to cover purchases and I was charged even XXXX more Fee ( after XXXX Fees on the XXXX! ) on the XXXX. [ see additional Screenshots XXXX ] Several Reps have confirmed that all deposits are supposed to count first each day, over withdrawals. The system applies Fees even when Deposits are more than Withdrawals. 

Total Overdraft Fees since XXXX : XXXX x {$35.00} = XXXX Refund Requested, XXXX Fees x {$35.00} - {$170.00} Please start with Page XXXX of the PDF as it is the start of the Fee Journey. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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: Kriya Capital, LLC
State: CO

Complaint narrative:
My credit report shows a collection was opened on XX/XX/2023. The collection agency is Credence Resource Management. The original creditor is XXXX XXXX. This is the second time this year XXXX XXXX has done this. The first attempt was resolved as the company made a mistake. Ive never done business with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: CA

Complaint narrative:
XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXXXXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.

In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*

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 2023-12-29 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:
XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-29 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: MS

Complaint narrative:
I asked the credit bureaus Experian and XXXX to please verify this account but they have not. The information is incorrect

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 2023-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear CAPITAL ONE, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2023 I submitted a balance transfer through XXXX XXXX ( card # ending XXXX ) to pay off a portion of my balance with XXXX XXXX XXXX ( XXXX XXXX ). The balance transfer was instead sent to Barclay card services with my XXXX XXXX account number - XXXX for {$2200.00}. It's unclear if I entered the wrong info or what happened, but that acct does not exist with Barclays. I contacted XXXX XXXX who submitted the balance transfer, and they said Barclays needs to do a payment inquiry and return the money. Barclays said they have no way to locate the payment and XXXX XXXX should be assisting with this. XXXX XXXX said they do not have the option to stop payment for balance transfers and my request to have it returned has been declined because there was no bank error in processing. My XXXX XXXX case number is XXXX submitted. The manager I spoke with at Barclays card services was XXXX in resolutions- 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 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
I've been getting collection letters from different debt XXXX for the same debt thru out 2023. These are XXXX and recently Cavalry SPV I LLC. On XXXX and XXXX of 2023 I've been requesting the following : XXXX XXXX XXXX. Said agreement must be with the original creditor and signed by all parties involved. 
Proof that they are licensed to collect debt. 
They respond by sending a copy of an Account XXXX of the original creditor that I don't recognize. Plus they also state that they will continue collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple disputes to your respective bureaus regarding inaccurate information on my credit report. I meticulously detailed the accounts in question, highlighting the blatant violations against my consumer report. Despite the legal requirement of a response within 60 days, your bureaus have failed to address these issues adequately. 

For your reference, I am attaching copies of all the letters previously submitted. The lack of action on your part is unacceptable and a clear violation of consumer rights. It is now imperative that you rectify these inaccuracies promptly. 

I expect an immediate and comprehensive response to the concerns raised in my previous communications. Failure to address these issues will leave me with no choice but to escalate this matter further, seeking legal remedies for the damages caused to my creditworthiness. 

Time is of the essence, and I trust you will handle this matter with the urgency it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of Identity theft there are XXXX accounts opened under my name and social security and driver license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
The company has my sons address listed as my address I sent them a letter asking them to resolve it and to this date it has not been corrected. 
The companies name is Prestige financial my correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX and they for whatever reason reported that my address is XXXX XXXX XXXX XXXX XXXX XXXX this address belongs to my son. I have never lived here. I would like to have this resolved because it is very incorrect. 

Thank you

Company response to consumer: Closed with explanation