vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: PR

Complaint narrative:
The following accounts are reporting in a inappropriate manner.Remove this accounts because the payment history is continued reporting after this accounts was closed. 


XXXX XXXXXXXX. XXXX date close XX/XX/year> and fXXXX XXXX  XXXX date closed XX/XX/year>

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 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
In XXXX I cosigned for the daughter of my girlfriend XXXX XXXX her daughter XXXX XXXX and her Partner XXXX XXXX to renew a Lease at an apartment that I had cosigned for 1 year prior. Because I was helping raise her children and wanted them to have a home. In late mid XXXX my girlfriend and I became estranged as well as her daughter. I have not spoken to them since XXXX. In XXXX I wrote a letter to the apartment complex to make sure she did not renew with my name or credit. Apparently that couple and her mother could not provide the credit necessary to renew so they moved out without paying rent and did damage to the apartment in which the apartment wanted to be reimbursed for. Because I was the only person that would actually pay the apartment company wanted me to pay the entire amount, approximately XXXX dollars, I contacted XXXX and told her to pay she said she would but apparently did not. she has a history of this. I was contacted by a debt collection agency XXXX XXXX trying to collect the full amount and was told that they could not locate the other 2 persons. I told them that I could not either, and they wanted me to pay the entire bill. I contacted and attorney that wrote a letter dated XXXX XXXX. XXXX to pay XXXX of the amount The letter also stated to contact me directly with written offer to settle. I never received a letter. I assumed they had made arrangements with XXXX XXXX and XXXX XXXX to make payments. I was contacted on XX/XX/XXXX by the attorney that wrote the letter and told me that XXXX XXXX contacted them in spite of instruction otherwise. She wrote another letter informing XXXX XXXX that they should contact me directly. today XXXX approximately XXXX hours I received a call from XXXX XXXX from phone number XXXX, from a female that stated her name was XXXX would not give me a last name but stated her extension was XXXX. She stated that the other party ( singular ) had agreed to pay XXXX half of the debt, and that in accordance with some law meant that they would have this debt removed from their credit. And because they agreed first that no matter what it would remain on my credit. She proceeded to tell me that I had until XXXX today to pay half or " the deal was off the table ''. When I tried to talk to her she just talked over me and and continued to threaten me with bad credit. She continually put me on hold and told me she was typing up my offer. I informed her that she should send me an offer in writing to review and consult with attorney if necessary, she said as long as I could do it by XXXX today or the offer is refused. finally after telling me she was going to contact her XXXX and putting me back on hold I hung up to seek counsel. This company uses threats and intimidating language to try to get people to agree. As of now 1 hour later I do not have any written correspondence from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
We have not used our CareCredit for a year. We are on auto pay for the minimum payment every month. Care Credit has been putting us over our credit limit with these charges every month. I have corrected the insurance part. The other charges are interest charges that we have been over charged on.

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 2024-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was approved by the salesman XXXX, I have this proof in texting he send meXXXX $ he said he's manager wanted to deliver the car that night to miami XXXX it was XXXX. The text especified everything ok, just need a signature, he also texted it was going to be a soft pull, but I wanted XXXX XXXX the car first, how much was my finance fee.and I told them major banks don't finance cars 10 years or older.they whent ahead to XXXX XXXX XXXX, XXXX XXXX, twice.when I went to dealer, he said my score XXXX good, they ask me for my phone and they took it in the back, while XXXX and I were talking about XXXX away, when the brought my phone back I've seen XXXX inquiries. I told them to stop, the messed my credit up. I have a membership with expiriant credit bureau they could help me, I asked XXXX XXXX if I can walk into capital XXXX cafe and show them proof of the text messages they said no, I said can I open a bank account they said yes, why not look at the proof of my allegations I have 2 cards with capital XXXX never been late, or problems. That's not fair. I'm a person that don't make much, but I try my best.thank sir or ma'am.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
After I found out about the XXXX & XXXX XXXX breach, on approximately XX/XX/XXXX I logged into my XXXX credit monitoring account and noticed a collection on my report dated XX/XX/XXXX under the Account name XXXX XXXX XXXX. I phoned the company asking what/who the collection was about. They informed me that it was for a XXXX XXXX XXXX located at the address of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX NY XXXX XXXX Single family XXXX ). I argued that I have never lived in the state of New York, nor have I ever done business with XXXX. They provided me XXXX options : XXXX ) dispute the collection ; or XXXX ) pay the collection at a discounted price. I chose to dispute the collection as it was not my debt. I disputed the collection with Transworld Systems and through my XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX I received an email with the results of the dispute stating : The information you disputed has been verified as accurate. How could this be if I never lived there nor ever done business with XXXX?! I think it should be unlawful to buy collection accounts that have already been written off by corporations. This should not be a legitimate revenue maker for companies when it is already written off from corporate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a letter ( dated XX/XX/XXXX ) informing me that my Macys American Express account was previously closed and I would be receiving a new card. The last four numbers of the account are different from the Macys store credit card. I tried calling the number shown in the letter several times only to be told the wait time was more than 30 minutes. I found another number and called that only to get the same wait time information. I never had a Macys American Express card nor do I want one. All I want to do is cancel this credit card that I did not request or apply for.

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 2024-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a completed " XXXX in XXXX '' package including requested documentation. I originally contacted PNC to find out what steps I could take to have my ex husband released of liability from the loans in question. I explained I wouldn't qualify for a refinance but that since being awarded sole ownership in the home I had continued paying the loan myself and did not need a cashout. 

I spoke with a supervisor who explained that I could use the newer " XXXX in XXXX '' rules to start the process, then request replacing initial XXXX ( my exhusband and myself ) holder of the loan and replace me as sole holder of the loan as singular XXXX in XXXX. Under Regulation Z ( final ruling XX/XX/XXXX ) the Ability to Repay would not be a factor, and as a Successor the rules did not consider this an assumption. Furthur it pertains to any closed end loans secured by real property. Again, I've been paying since XXXX. 

On XX/XX/XXXX I refaxed the entire package. After numerous phone calls told they me they received it and it was under review. No written or verbal notice was sent to me. 

In XXXX of XXXX after discovering that no action had been taken I contacted them again and was given numerous excuses and that my only option would be to refinance or sell my home. I was told that Successor in Interest only applied in the case of death and only applied to mortgages. They told me Regulation Z determination as to Succesor in Interest did not apply. To add insult to injury they allowed my exhusband to change the mailing address in XXXX of XXXX allowing him to get interest statements to use to deduct on his taxes regardless of the fact that it is my house! 

I am now being threatened by my exhusband 's lawyer that either his name be removed ( as court ordered ) or the selling of the home. I would lose a place to live and unable to qualify for another one. This would unfairly punish me despite paying for the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
15 U.S Code 1681c-2 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.You are in VIOLATION of this law because Im a victim of identity theft!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS 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 accounts listed IMMEDIATELY!!! 
XXXX # XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
15 U.S Code 1681c-2 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.You are in VIOLATION of this law because Im a victim of identity theft!! Please delete these items IMMEDIATELY!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS 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 accounts listed IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
On or around XX/XX/year>, I filed lawsuit against my former Landlord, XXXX XXXX, to recover my security deposit. The XXXX reviewed evidence, took testimony, and entered FINAL JUDGMENT against my former Landlord, and in my favor, affirming that I owe the former Landlord nothing, but that, XXXX is in fact a debtor to me. 

This collection item is therefore inaccurately placed on my credit reports, and should be immediately deleted.

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 2024-07-15 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: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OFFICE OF ATTORNEY/ AMOUNT OWED:23,359 $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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 2024-07-15 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: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DIV ADJ SERV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that DIV ADJ SERV has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for DIV ADJ SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that DIV ADJ SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DIV ADJ SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
XXXX - I tried to transfer funds out of my Huntington checking account to another bank. My connected accounts were suspended so I was unable to transfer any money. Notification on the account listed a customer service number to call. I called customer service for Huntington bank to close my account and have remaining funds transferred to another account at a different bank. Customer service said procedure for unlocking and closing accounts would need a statement from receiving bank and I would need to go into a branch to accomplish this. I do not live in a state where there is a branch and I told the representative. The was response was they couldn't do anything for me but I could call a branch for assistance and they gave me a number to call. I also asked why my connecting accounts were suspended as I have transferred funds in the past between these accounts and they were unable to answer the question, citing there were not any notes on the account as to why this was done. After hanging up, I called the branch number I was given and got the same answers- I could not do anything without coming into a branch and there was no alternatives besides spending the money from the account and leaving the account open with a balance of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: NH

Complaint narrative:
I awoke in the middle of the night on Friday XX/XX/XXXX just before XXXX and saw an email from Credit Karma XXXX XX/XX/XXXX XXXX that stated " we received your request to withdrawal {$9900.00} from your Credit Karma money save account. You should expect to see the money in your XXXX, A DIVISION XXXX XXXX XXXX XXXX  account ending in XXXX within 2-3 business days. '' " If you didnt initiate this withdrawal please contact us. '' I contacted them immediately and asked them that this was not me making the transfer and that they need to reverse it. They told me it that they couldn't reverse the transfer. I asked them to lock my account and they told me that they had to send this to a " team of specialists who were more equipped to help me. '' They also told me that I would need to call on Monday XX/XX/XXXX after XXXX as that is when someone would be able to help. 

I was sent an email and they had me answer a few questions. It was only a few days later I noticed that the email had a " request for return/Recall of funds from ACH transaction. They sent me a foolow up email asking for more info. I no longer have access to my Credit Karma save/spend account because they closed it. I told them that I can not fill out the form and asked them for help ( as I do not have any of the account numbers needed to fill out the form ) On Tuesday, XX/XX/XXXX, I received a XXXX debit card in the mail in my name. I never applied for it. I called them to report that I did not request this card. They closed this account and sent me a case number # XXXX ( XXXX XXXX  XXXX ) I have since filed a report with Identity theft.gov ( Report # XXXX ) I had a total of just over {$16000.00} in this account and so far, Credit Karma has only refunded me around {$6200.00}. I have heard nothing about what is happening with the {$9900.00} stolen from my account. This transfer happened literally within a few hours and I don't understand why they couldn't reverse it when I called in the early morning of XX/XX/XXXX. 

Credit Karma uses XXXXXXXX XXXX out of WV. I am not sure where XXXX XXXX XXXX  is located.

Company response to consumer: Closed with monetary relief