vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They have a hard inquire on my credit report and I never applied for an account with their company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I sent out a debt validation letter on XX/XX/2023 Genesis Credit Management received it on XX/XX/2023 they stated to have sent out the validation request on XX/XX/2023 to the incorrect address this is a violation under the FDCPA 30 day no response.This debt collection agency has committed the following FDCPA Violations 806 : Harassment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got mail from Chase Bank they said they close my account and my Wife accounts. I called them need to talk in bank branches. They said they need to close the account with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
I received a notification from Linebarger Goggan Blair & Sampson, LLP that I had owed {$90.00} for an unpaid toll in Delaware in XXXX. This is the first notice I've received regarding an unpaid toll and I had tried to respond right away last week a few days after I had received this notice. 

After a complaint through the XXXX XXXX XXXX, they had speculated that I had either run a toll or had insufficient balance as an XXXX XXXX customer, which made no sense since the day of the alleged toll violation, I had paid every single XXXX XXXX toll from NJ to Florida and back and had no reason whatsover to skip a toll. My XXXX XXXX is attached to my winshield and I commute daily to work using the XXXX XXXX XXXX with XXXX toll violations or account lapses ( I have it set to auto replenish funds ). I also would have certainly opted to just pay the {$4.00} had I received any actual notification, which they failed to prove they had sent to my address. They also failed to send any photo proof of my vehicle driving through that toll booth. When I tried to communicate and ask for proof of the violation & /or attempt to pay the {$4.00}, they made it extremely difficult to even get in contact with this collection agency. They had asked for a written letter to be mailed out or a fax and did not accept email. It's XXXX and they are still using paper mail and fax machines, which is insane in itself. 

Again, I'm looking for some type of resolution or reasonability here. Forcing people with good credit, long time XXXX XXXX users, and clean driving records to pay {$90.00} for a {$4.00} toll is nothing short of extortion. Expecially when they can provide little or no proof of the violation & /or any postmarked communication to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2023, I attempted to add my Citi Premier credit card to my XXXX XXXX, an action that triggered fraud alert and locked my card entirely. I then contacted the customer support to unlock my card and lift the restrictions, but after I provided two different phone numbers to verify my identity, they claimed both of these numbers can not be used for verification purpose. They suggested that the only method to unlock my card is to send a physical letter to my residential address, which would take up to 7 business days, during which I can not use the card at all. 

This is the second time in a span of one month that my card was flagged and locked by Citi 's fraud department, and in both cases it was because there was an attempt to add the card to an XXXX XXXX. It shows that after a month, Citi has not undertaken any actions to address this issue and allows this to happen repeatedly. In a response to my last complaint, they dismissed this simply as necessary measures to counter fraud, which in reality does nothing but ruins the customer experience. 

I opened this credit card because of its attractive new member bonus and planned to reach the spending goal of XXXX dollars before XX/XX/2023, but the incompetency of the fraud department has significantly obstructed this process. Since the new member bonus can only be granted if the amount of spending reaches at least XXXX USD within the first 3 months, the time I actually have to reach the goal is greatly reduced due to the fact that I had to wait for almost 2 weeks in total for the 2 verification letters.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am signed up for alerts on activity under my SSN through my current Discover card. On XX/XX/2023 I received alerts for 3 different hard inquiries using my information. On XX/XX/2023 I received a text from XXXX XXXX notifying me that a credit card had been issued and would ship out soon. I was out of the XXXX from dates XX/XX/2023 - XX/XX/2023. Upon arrival home I saw letters from XXXX XXXX XXXX, Discover, and XXXX XXXX XXXX XXXX notifying me that the applications with them had been denied. I have contacted XXXX XXXX and started a fraud case with them to get this card shut down. I have contacted XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has the wrong name listed on my credit report it should be XXXX XXXX not XXXX XXXX XXXX. Middle name should be removed. 

XXXX has two wrong addresses that should be deleted XXXX XXXX XXXX XXXX XXXX, Illinois XXXX should be removed and XXXX XXXX XXXX XXXX, Illinois should be removed. 

Equifax has the wrong address and should be deleted XXXX XXXX XXXX XXXX XXXX, Illnois XXXX. 

The employer is also reporting incorrectly and should be changed to XXXX XXXX XXXX for Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX TEXAS ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2023-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a paypal credit account and I used it to purchase three eyeglass frames from XXXX. When the order was delivered I advised the company that I did not receive it nor did I sign for it. The company would not help me so I turned to my credit card company Synchrony Bank for assistance and they would not help me with the issue cause it showed a signature I still advised them that it wasnt me. 

I disputed several times up until last month where I provided a letter from the post office indicating that the carrier sign on my behalf because of Covid 19 protocol and left the package and they would not reinvestigate my claim

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 I noticed two addresses on my credit report that were not mine. 
On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. 

I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. 

I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. 

I did contact XXXX and filed a dispute with them for the addresses. 
I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: OH

Complaint narrative:
I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I had a procedure performed by XXXX  XXXX c/o XXXX XXXX XXXXXXXX for XXXX XXXX XX/XX/XXXX I had not received a bill and I reached out to XXXX XXXX XXXXXXXX by phone and spoke to Team Leader XXXX XXXX XXXX I communicated that my insurance company had been billed {$17000.00} and that I had not received a bill. I communicated that {$17000.00} far exceeded the amount I had agreed to prior to the procedure. XXXX told me not to worry about it, that {$17000.00} was an incorrect amount and they just sent that to the insurance company. I requested that a bill be mailed to me. 
After the call XXXX then emailed me a partial Account Review summary via an insecure email. The Account Summary appeared to be incomplete as the Insurance billing portion was cutoff. 
No bill came in the mail ever. 
I called back and I requested no further emails since the email was insecure. They told me a bill would be mailed. 

XX/XX/XXXX I spoke to a XXXX at XXXX XXXX XXXX, because no bill had been received. I informed him that an insecure email was sent with a partial summary on XX/XX/XXXX, but no bill was received. 
Called back and spoke to XXXX on XX/XX/XXXX and spoke with XXXX. I informed XXXX I dispute the amount, since no bill had been received, and they had billed my insurance {$17000.00}. 
Since I never received a bill and it appeared they were billing my Insurance {$17000.00}, which was egregious and conflicted with the amounts initially disclosed. It showed a balance of {$1700.00}, but it was not complete and the insurance part appeared to be cutoff. 

XXXX A {$200.00} check was mailed with the memo -Paid in Full- I had openly disputed the amount with them on XX/XX/XXXX and mailed the check on XX/XX/XXXX to XXXX XXXX PC of XXXX, IL XXXX This information was obtained from the partial Account Summary I received on XX/XX/XXXX. 

The {$200.00} payment in full cleared my checking account on XX/XX/XXXX. 

I received a collection letter from IC System for this account. The {$200.00} payment is reflected as being received and applied to a {$17000.00} balance, showing {$16000.00} as in collection. The procedure never, never was supposed to {$17000.00}. 
The doctor even apologized to me after the procedure, because he could not keep future appointments and said he had resigned and all of his staff had quit.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2023 I noticed two addresses on my credit report that were not mine. 
On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. 

I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. 

I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. 

I did contact XXXX and filed a dispute with them for the addresses. 
I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2023 I sent a certified letter ( tracking number XXXX XXXX XXXX XXXX XXXX ) regarding inaccurate information that needs to be removed from my account. Information is still showing on my 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank holds my car loan. I have been assessed late fees on my car loan payment as they have claimed that I am making it past the cut off time. I usually pay it on the last day I can pay it without accruing a late fee due to how I am paid through my full time job. I am making it through the automated system and it does not state prior to the payment being processed that there is a cut off time to make it or it will be processed the next business day. I have looked online for the cut off time, in my coupon book ( as they don't provide a monthly statement ) and I can not locate a cut off time posted anywhere. I have called in and the rep told me if I talked to a rep to make the payment I would have been notified of the cut off time and I should have received a welcome packet, which I do not have. They are not waiving the late fees and I am not paying them. I'm happy to pay one as if I had known about the cut off time to begin with I would never have continued to make the payment after XXXX. 
Why are they not required to post this on their website, on their coupon book that they send in place of a monthly statement, etc.? Every other credit card or loan I have states a cut off time that you have to make over the phone, online, in person, etc., and it is shown on the monthly statement as well as online, why is this not disclosed on their website that is easily accessible or how is it not sent out when you are late on the payment? How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation