vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: CBC Companies, Inc.
State: LA

Complaint narrative:
INNOVIS XXXX XXXXXXXX have been illegally furnishing RE-AGED  US DEPARTMENT OF EDUCATION account XXXX XXXX XXXX XXXX XXXX 3rd  party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX I received a phone call from XXXX XXXX ( phone # XXXX ) stating that they had court papers to serve to me but they couldn't tell me what the papers were about. I was advised to call ( XXXX ) to speak with someone directly from the law firm. I called the XXXX number and spoke with a XXXX XXXX  who advised me that he worked with XXXX XXXX XXXX as a mediator for civil lawsuits and my case number was XXXX. He further advised me that he was collecting an old credit card debt for Household Orchard Bank that was opened in XXXX and XXXX in XXXX due to falling behind on payments. XXXX XXXX  further stated that in the orginal contract that I signed there was a " Contractual Tolling Agreement '' in very small print that most people do not read that allows for them to collect the debt after the statute of limitations. XXXX XXXX  stated that I owed {$12000.00} but he would settle for {$5400.00}. He went on to say that if I don't contact him back by XXXX, XX/XX/XXXX then my case would go to court for the full $ XXXX. I called XXXX XXXX  back on XXXX  at the direct number given to me ( XXXX ) and left a message. I recieved a return call on XXXX, XX/XX/XXXX, however I was unable to take the call at that time. I returned his call on XXXX, XX/XX/XXXX and left another message. On Wednesday, XX/XX/XXXX I received a text from case manager XXXX XXXX stating that they were terminating mediation and serving me and my filing date is set for XX/XX/XXXX. This text stated a different case number ( XXXX ) and threatened lien on property, levy of financial accounts, wage garnishments up to 30 %, tax interceptions, and restricting my DMV license. I called XXXX XXXX and stated that he had the wrong case number and he hung up on me. I tried calling again and another man answered and when I stated I was trying to discuss a matter with XXXX XXXX, this man also hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TX

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 seven 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company Transworld Systems , Inc, did not send me an opportunity to ask for validation of the debt and just went ahead and reported this alleged debt to my consumer report which violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As of right now, I am seeking for validation of the following account # XXXX before I proceed with litigation as I did not endorse a contract with Transworld Systems , Inc . In order for me to validate this alleged debt I am requesting all of the following and if you can not provide all of these items I demand to be compensated for damages and for the ceasing of credit reporting. The following items are : ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt.

( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address. 
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

( ix ) The current amount of the debt.

( 3 ) The entire purchase agreement, not just the bill of sale

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Subject : Request for Due Date Change and Concerns Regarding Collection Process Dear [ Creditor 's Name ], I hope this letter finds you well. I am writing to inform you that I have formally requested a change in my account 's due date to the XXXX of each month. Unfortunately, the current due date has led to delays in processing my payments, causing my account to be marked as late. 

On XX/XX/XXXX, One Main contacted my workplace regarding a payment of {$17.00}. I inquired about why they did not contact my cellphone as usual, and I was informed that this was part of their collection process initiation. This has raised concerns for me, as I believe direct communication through my cellphone should be the primary method before escalating to my workplace. 

I want to assure you that I have made the XXXX payment today, totaling {$350.00}. However, I am reaching out to express my concern about the collection approach and to reiterate my request for the due date change to the XXXX of the month to avoid such situations in the future. 

I appreciate your attention to this matter and kindly request confirmation of the due date change and assurance that my account will not be subject to workplace contacts unless absolutely necessary. 

Thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I opened a new first card with Discover only to have them restrict my ability to pay my balance. Its a prepaid SECURED card with a {$500.00} deposit and credit limit. The current balance owed to me is {$500.00} minus {$310.00} which is {$180.00}. My earned cash back bonus is {$31.00}. 

Discover revoked my personal bank account as a payment option and did not explain why. 

They blamed 'issues with the website ' but that can not be taken at face value. 

I decided to close my account because of the hassle and they are making me wait on hold inexplicably in order to do so, they dont provide an option to close the account online, they limit the number of payments you can make within an arbitrary timeframe through various means, and they tired to get me out of an additional entire " balance '' payment over the phone. 

There is no option to close the account online and the wait time in total was over XXXX minutes. 

I am requesting the CFPB monitor this corporation very closely and forward this complaint to them, Discover, in case I need to take a trip to Maryland where they are based and speak to them in person, so you can update this complaint in the future. 

These excuses Discover gave me could easily be a customer harassments technique but if Discover does not close my account with them, assess no fees, and does not live up the exact words of their phone conversation I will be paying them a special visit in court or in their face. Ive been meaning to travel to the DC area. 

XXXX. No confirmation number provided for account closure of phone call made today at XXXX XXXX. Rep says they 'dont give them ' XXXX. Representative said they would send letter out with confirmation of account closure XXXX. The representative said there are XXXX people who handle account closures so I asked why their Interactive voice system forwarded my call to him in particular when he said he would have to forward my call to another department after waiting on hold, then he revealed that he could indeed close the account himself. 

XXXX. The company said XXXX calls are recorded ' 7 days to get balance of {$180.00} is what the rep said. this is by mail. 

XXXX billing cycles XXXX days to get {$31.00} 'cashback ' by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account. 
Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank has held my US {$5000.00} money for XXXX weeks. This was sent as a wire regrettably due to a single digit error I had entered in the receiving person 's account. 
The routing number as well as XXXX XXXX 's name and address were properly entered on the XX/XX/XXXX wire. 
I contacted my bank ( XXXX ) the following day ( XX/XX/XXXX ) when XXXX XXXX did not receive the wire. XXXX indicated my account entry error was noticed by Chase Bank ( XXXX ) and that the money would be returned. Last week, XXXX put in a formal request for me. From my call to XXXX today I am at the whim of Chase Bank. 
The reference number for the XX/XX/XXXX wire is XXXX. I called Chase Bank XXXX today XXXX pm XXXX XXXX. Chase Bank 's Representative " XXXX '' told me that since I do not have an account, Chase Bank will not help me. XXXX XXXX and I have lost the time-value of this money. 
This certainly was my mistake, but XXXX weeks over a single digit being a XXXX instead of a XXXX with the account 's correct name and address? This doesn't help with money velocity either. I do not have a Chase account. The person receiving the wire has the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I never had an accouunt with XXXX XXXX. Identity. Theft victiim. 

Acct # XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I bought a {$500.00} prepaid vanilla visa debit card in XXXX. I tried to make a purchase online and the card got declined. Called customer service and they told me i needed a replacement. They said they sent one and told me to wait 7-10 business days. After about a month, i called back, and they said theyd send a new one since the one they supposedly sent never arrived. After another month, it still has not arrived, and i can get no information when calling, other than i should wait. They will not provide a tracking number or anything for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: AZ

Complaint narrative:
just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: AZ

Complaint narrative:
just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 seven 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 explanation
Consumer complaint received 2023-11-15 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: VA

Complaint narrative:
Hello, I filed a dispute on my Transunion credit report for a account that has been paid. I have confirmation from the account holder. Transunion says that they need a letter from the holder if the holder does not report a XXXX balance. The holder has not reported XXXX balance and has not sent a letter. Transunion has refused the email confirmation from XXXX. This is negatively affecting my score and as a result, affecting tenant screening. I have reached out to Transunion multiple times and am always told to follow up with XXXX. Transunion is the reporting agency and has violated the FCRA by repeatedly showing incorrect information.

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 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, Truist Banks Inc began to repeatedly call me at XXXX XXXX  in regards to debt that I do not owe. I informed my lawyer XXXX XXXX who submitted a cease and desist on my behalf as of XX/XX/14 the calls have began again.

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 2023-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email on XX/XX/2023 stating my account had been closed. I immediately contacted Citibank, because I did not request for the closure. I am a victim of identity theft. Someone attempted to gain access to my account and when they were unsuccessful, they requested the closure. They then attempted to apply for a new Best Buy card again using my information. 
I filed my complaint with Citibank 's Executive Response team and with the Better Business Bureau. Their only response is that they did nothing wrong. The caller had the right information to request the closure and I can apply again. Of course they have my information. It was stolen! 
It's not a matter of blame, as Citibank would like to focus on. This is my life and my credit that I have worked hard to establish. It is my second longest account. As a consumer, I am being victimized by a scammer and then by this business and they wipe their hands and say " Sorry, too bad for you ''. It is not fair that a fraudster can potentially close down ALL of my accounts because " they had the right information. '' Am I supposed to be ok with that?! Where is the protection for account holder?! Here I am again seeking for Citibank to do the right thing and take care of their loyal customers. Since I see this is going back to Citibank, I'm wasting my time. Where is the checks and balances of these banks?!

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 2023-11-15 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.

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