vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XX/XX/XXXX or XXXXXXXX XXXX, I received a letter from Barclays informing me that they increased my credit line to {$21000.00} from {$18000.00}. I didn't request this increase. At the bottom of the letter 's signature was written in tiny text, " P.S. If you prefer to return your account to its original credit line, please contact us at the number shown above. '' I called XXXX to ask that Barclays return my credit line to it's previous amount. The person I spoke to asked me to unfreeze my credit and allow Barclays to run a credit check. I declined, at which point the person said she was unable to return my credit line to its original amount. I asked why they needed to do that since the increase was given without unfreezing my credit or doing a credit check. She didn't know and transferred me to the credit department. The person I spoke with there simply verified my name and was able to make the adjustment to my account as I asked. He didn't know why the previous person I spoke with wasn't able to do it that easily without unfreezing and credit checking. I asked him to follow up with his supervisor so the other people knew it wasn't necessary to do those steps. It appears deceitful to try to make people unfreeze credit and allow credit card companies to run unnecessary credit checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IN

Complaint narrative:
These accounts are fraudulent and needs to be removed from my credit report 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 2024-12-28 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: AZ

Complaint narrative:
For the last 6 months I have been disputing the hard inquiries that were not authorized, submitted a fraud form which they asked me to do. Called multiple times and no one was able to help me. They kept requesting me to do some very stressful process to file a police report, file a fraud claim, etc., this is insane when these agencies do not cooperate and do not do their job for the consumer. They our private " secure '' information gets hacked through their systems. XXXX has not updated my correct credit score information properly and therefore causing adverse action against me when this could be taken care of at the time of the first original call 8 months ago. This should not have come to this,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX the bank closed my account holding on my funds for XXXX  days. 

Since then on the XXXX of XXXX I had a deposit from the Va XXXX of XXXX this is protected funds and the bank is holding these and wont release the funds to me this is a hardship and I have know money. 

The bank is USAA and they have a freeze on all my accounts. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and to formally request that you take immediate action to block and delete the accounts and inquiries listed below from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by the data breach, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them removed from my credit history. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} Additionally, the following inquiries should be blocked and removed from my credit report : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: DISCOVER BANK
State: VA

Complaint narrative:
Im in the XXXX XXXX I went to XXXX  since XX/XX/year> and came back to XXXX XXXX XX/XX/year> ; before depart to XXXX I set up auto payment in all of my credit cards to avoid any issue, but for any reason by XXXX dollars I was owing in the Discover credit card I was reported and my credit score was down for more than XXXX points, I noticed this when I was getting my loan for buying a house, it was the lender who let me know I had low credit score and so was affecting the rate they could give me. I paid the debt and I called them from one of the ports we were during the XXXX and they said they couldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Arnold Scott Harris, P.C.
State: KS

Complaint narrative:
I have been repeatedly receiving calls from the law office of XXXX XXXX XXXX XXXX which I believe to be a fraudulent business. 

They have been attempting to collect an unspecified amount of debt from an unknown creditor. I went to their website and was able to log in with my zip code, which is hardly a secure way to access personal details of mine which I believe to have been stolen. To my knowledge, I do not have any debts for which my payments are not current and I have never missed a debt payment in my entire credit history. 

Today they left me what sounded like an XXXX XXXX voicemail with a clearly robotic voice at the end reading a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am stressed and displeased that I see so many violations on my consumer report that goes agaisnt FDCPA, XXXX XXXX XXXX XXXX. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This has caused emotional stress simply because the credit report agency are not going through the proper steps to report these accounts. All these accounts require abritation according to their policy and can not be reporting or submitted to a collection agency or as charged off to attempt to sell my information. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked 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 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Zip Co US Inc.
State: MN

Complaint narrative:
On XX/XX/year>, I received two emails indicating the installment plan accounts were opened using my email and name. I contacted the company by phone call on XX/XX/year>. On that call, I informed the company that the accounts ( which were no longer being paid as I was getting past due emails ) were opened fraudulently. They said they would conduct an internal review that would take about two days. It was not until XX/XX/XXXX that I finally received an email from them asking me for a phone bill. I called the company that same day and indicated I was on a family plan so the phone bill would not show ownership and apart from that, whoever fraudulently opened the account used a different phone number. I was told by the representative that I could submit other documents like a utility bill to verify my identity. That same day I sent both a utility bill and bank statement to confirm my identity. The next day I received a verbatim email from the previous one once again requesting a phone bill. It was clear they had not reviewed my documentation. I called the company again on XX/XX/XXXX and was told I could not speak with the internal review team the allegedly ( but clearly did not ) review my identification. The fraudulent accounts are still open and I am still receiving past due notices to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On Saturday, XX/XX/year>, at XXXXXXXX XXXX, a debt collector from Comenity Capital Bank left a voicemail on my mothers phone regarding my XXXX Credit Card account. The caller, identified as XXXX, used my former legal name, XXXX XXXX XXXX XXXX, and mentioned the following : This message is for XXXX XXXX XXXX XXXX. Were contacting you from Comenity Capital Bank in regards to XXXX. My name is XXXX, to prevent further actions, contact me at XXXX. This message is for XXXX XXXX XXXX XXXX. My name is XXXX from Comenity Capital Bank and XXXX. My number is XXXX. Were contacting you from Comenity Capital Bank regarding XXXX. XXXX be available until XXXX XXXX XXXX XXXX XXXX. 

I believe this message constitutes an improper disclosure of financial information to a third party, which violates the Fair Debt Collection Practices Act ( FDCPA ). I have not authorized any debt collector to contact my family members, and this action is both inappropriate and a violation of my rights. Additionally, the collector is using outdated information, as my legal name has been changed to XXXX XXXX. 

I request an investigation into this matter to ensure that my rights are protected and that such practices are stopped immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I was data breached from XXXX and was sent a settlement pay, I received att bill saying XXXX balance! I have requested them to remove it from my credit report! And I am trying to get them to stop trying to issue it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} Open XX/XX/year> I have disputed this twice and the company marked it verifiable with no documentation I requested. I asked them to remove it within 30 days via XXXX XXXX, if no proof was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Unifin Inc.
State: MA

Complaint narrative:
I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to Unifin INC . I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, XXXX  my credit card was hacked. Citi called me because of strange activity. They cancelled the card, issued another card, but they provided the new card number to XXXX of the hackers. So, they closed that card as well, and issued a third card. Same thing... I was charged again by someone I never used ... XXXX. So I totally cancelled everything and asked for my rewards money that had accrued to {$630.00}. I was told I could not get my rewards because I no longer had an account or my account was closed. That does not seem reasonable. I had earned those rewards over a long period of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I have never contracted with this company, have signed a promissory agreement with this company, have submitted application with company for credit. 

This company is liable for identity theft by creating a debt collection account in my name without permission in violation of FDCPA 15 USC 1692c States that collectors can not communicate with consumers with consumers consent.

Right To Privacy Violating HIPPA by communication with consumer via credit reporting agencies Violation FCRA 15 USC 1681 false and inaccurate information illegally received from a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: PA

Complaint narrative:
My PHEAA loans are not on my credit report. I would like them on there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AL

Complaint narrative:
I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( XXXX, XXXX, XXXX ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Subject : Dispute of Fraudulent Collection Account Account Number : XXXX Dear LVNV Funding LLC, I am writing to formally dispute the validity of the account referenced above, which has been reported under my name. I have never opened any account with your company or its affiliates. This account was fraudulently opened without my knowledge or consent, and I am requesting that your agency take immediate action to remove this account from my credit report and cease all collection activities. 

The details of the account are as follows : Original Lender : LVNV Funding LLC Account Number : XXXX Date Assigned : XX/XX/XXXX Original Balance : {$550.00} Current Balance : {$550.00} I first became aware of this account through my credit report, where it is marked as a " Collection Account. '' After reviewing the details, I can confirm that I did not authorize this account or the charges associated with it. 

In compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you : Provide all documentation, including the original account application or agreement, to verify that I authorized this account. 
Remove this fraudulent account from my credit file if you can not provide such verification. 
Provide written confirmation of your actions regarding this account. 
To assist with your investigation, I have included a copy of my FTC Identity Theft Report. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by law. Additionally, I request that you forward this dispute to the original creditor associated with the account for their review. 

Failure to address this matter promptly may result in further action on my part, including filing complaints with additional agencies if necessary. 

Thank you for your prompt attention to this matter. If you need further information, please contact me via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX obtained a 0 % - 60 month ( 5 year ) loan from Synchrony Bank for a sewing machine - equal monthly installments - balance due XX/XX/XXXX. 
XX/XX/XXXX Minimum interest charge purchases {$2.00} - no purchase made XX/XX/XXXX - Late fee charge {$41.00} ( payment due on XX/XX/XXXX - payment posted XX/XX/XXXX ), plus {$2.00} Minimum interest charge purchases of which no purchase was made. 
XX/XX/XXXX - Minimum interest charge purchase of {$2.00}, of which no purchase was made. 
In XXXX of XXXX, Synchrony Bank started charging {$1.00} for paper statements. However, they consider this a purchase and are adding an additional charge of {$2.00} as a minimum purchase. The paper statement is not a purchase, we just did not opt to do statements and payments online. This is a double charge for paper statements. 
Synchrony Bank charged an erroneous late fee on XX/XX/XXXX of {$41.00}, when payment was posted and received before the due date. 
Consumers need to be aware of erroneous charges by banks for double charges - distinguish between a service and a purchase. 
A letter has been sent to Synchrony Bank for resolution, no answer as of yet.

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