vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Kohl 's Department Store/Capone Collections Subject : Cease and Desist Unauthorized Debt Collection Activities Dear Sir/M, I am writing this letter to formally demand that you immediately cease and desist all debt activities pertaining to this account with Kohl 's Department Store/Capone Collections. It has come to my attention that you have been engaging in unauthorized and unfair practices, which amount to a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Firstly, I dispute the existence and validity of the alleged debt you are attempting to collect. I have not entered into any contractual agreement with your company.

Furthermore, your collection tactics have been persistently harassing and intimidating, which is unacceptable and unlawful. I have received numerous phone calls and letters from your company, often containing false and misleading information designed to pressure me into paying a debt I do not owe. These actions are in direct violation of the FDCPA, specifically Section 806 ( 5 ), which prohibits the use of false representations or deceptive means to collect a debt.

I hereby request that you immediately adhere to the following demands : 1. Cease and desist all debt collection activities related to my account, including phone calls, letters, and any other form of communication deemed as harassment.

2. Remove any negative credit reporting associated with this alleged debt from all credit reporting agencies, within 15 calendar days of receiving this letter.

3. Provide me with written confirmation, within 10 calendar days of receiving this letter, stating that you will cease all collection activities and that you will not initiate any future contact in relation to this matter, unless it is to provide documentary evidence requested to validate the debt.

4. Retain and preserve all documentation related to my account, including call recordings and correspondence, as I may pursue legal action should my rights continue to be violated. 

Failure to comply with my demands within the specified timeframes will leave me with no choice but to pursue all available legal avenues to protect my rights and seek damages for the harassment endured. I will not hesitate to file complaints with the appropriate regulatory authorities, including but not limited to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Please be aware that a copy of this cease and desist letter will be kept on file for future reference. I advise you to forward this letter to your legal department and take immediate action to rectify this matter. Your prompt attention to this issue is expected and appreciated. 

I trust that you will comply with my demands and rectify this situation promptly. Thank you for your immediate attention to this matter. 

I don't have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Dear Ally Financial XXXX XXXX Department, My name is XXXX XXXX XXXX XXXX, and I am the co-signer of this loan. For about a year I have tried to contact this company 's different phone numbers without getting any help at all, they just transfer me to a different numbers. I've called like XXXX different numbers. Let me briefly explain the situation ; In XXXX, a loan was requested by my sister XXXX XXXX XXXX XXXX as the main beneficiary and I, XXXX XXXX XXXX XXXX, as the co-signer. 

Due to financial difficulties, my sister had to carry out the bankruptcy process which was processed in XXXX XXXX The balance was deleted from XXXX 's credit report but was transferred to my credit report which has been affecting me during years. I have tried to contact you to see my options since I am in my best position to fix the situation and pay the pending debt of {$17000.00} dollars, but no one can help me, they just transfer me to different numbers without getting help or any solution, I sincerely feel frustrated and desperate, I'm tired of this. 

The account number for your reference is XXXX XXXXXXXX. Please find vehicle information : XXXX XXXX XXXX XXXX # XXXX Please contact me in order to proceed with a solution, as I mention I am in my best position to fix this situation.

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 2023-11-07 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: FL

Complaint narrative:
The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.

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 2023-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$160.00}. 

I tried using the card a few days later ( last week ) and it would not work ( received an error stating that the information was incorrect ). I checked in the back of the card and accessed the website to see the card balance - the site said there was an issue with my card, to check again later. The following day I tried to check the website again and got the same message. At that point, I decided to call the phone number in the back of the card. The customer service representative said that the balance was {$0.00}. I questioned how could this be if I hadn't used the card and he answered " how would he know? '' He then proceeded to tell me that if I wanted to submit a claim he needed my date of birth, social security number, full name, mailing address, email address, and copy of the front and back of my driver 's license. I immediately hung up as this felt like a scam. 

Today, I went back to this issue. Looked at the website - same error, called the number on the back of the card - same story. This time was a different representative but he said the same thing- he needed all this personal information to file the claim. I proceeded to ask why so much personal information was needed to file a claim and asked him to provide me with the written documentation stating the claim processing guidelines from their company. He said they did not have that in writing. I then asked to speak to a supervisor and he said that there were 15 people ahead of me and a 4-hour wait time. 

I have tried calling the phone number for XXXX, but the automated line says that " they do not have information regarding this card '' and indicating I need to call the number in the back of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management is reporting without validating the debt and showing this debt is owed to them. This is a third party making money to ruin people 's credit reports. I have not knowledge of this and I want this deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I closed the credit card inXXXX. I just closed the checking account to end my relationship with Truist. The credit card showed up on my account. I have made several attempts to have the account closed over the last 60 days. The representatives state that a manager will have to close the account. The account never closes.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$1100.00}

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 2023-11-08 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Chex System has failed to help me. Won't help me via phone, mail or fax. They won't provide me a pin, they won't remove a security freeze, they won't allow me online access, they won't help me on the phone, they put me on hold for 20 minutes and keep disconnecting me, they will not help me by fax, they will not help me by mail, they will not let me access my account in any way shape or form and I have had numerous problems including getting a loan because of this problem. I have been given nothing but the runaround and spent hours on the phone with them today and still no assistance. I want the security freeze removed off my account and I want a new PIN emailed to me and my email address updated immediately. They will not do any of these things and I am tired of this game my next steps will be to contact a lawyer.

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 2023-11-07 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Im trying to open a Premier HSBC checking account and savings account with HSBC. I had a Premier account with them many years ago which I decided to close and was closed with no issues, no negative balance or any problems at all. When I went to open an account today online, the website stated the system recognized me as having a current or past account, and asked me to call a number XXXX. When I called them and explained the problem, they were able to get my info and found the previous closed account. They informed me they couldnt help me over the phone, and that I had to call a local branch to ( and I quote ) have my profile deleted so I could then apply for the account. I contacted my local branch and I was told thats not how it works and that they had no idea what that was about. I was advised to call back that number and ask for a supervisor. I called back and asked to speak with a supervisor and was told there werent any. The agent on the phone did not offer any solutions to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2023 I received an alert that someone applied for a Barclays credit card at Barclays Bank Delaware in my name without my permission. I received a hard inquiry on my XXXX Credit Report from Barclays. I immediately called Barclays and spoke with a guy in the fraud department who found the application and stated they would submit it as fraud in their system and XXXX should receive something within 30 days for removal of hard inquiry, also the guy stated I would receive a letter in the mail within XXXX business days. I never received the letter after 30 days of waiting, so I called Barclays on XX/XX/XXXX and spoke with XXXX people in the investigations unit, and all of a sudden they have no record of anything, not even the conversations. I called again today XX/XX/XXXX and spoke with the fraud department and the representative as well was unable to find or locate the application or any previous conversation that was had. This is unacceptable because the hard inquiry still shows on my XXXX credit report. 

Barclays Bank Delaware - 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 2023-11-07 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a text message alerting me to a fraudulent charge on my account. I called the bank nd spoke with a customer service representative who cancelled my debit card but said that they could not cancel the charge. The fraudulent charge was XXXX to XXXX- I do not have XXXX. I went to my local branch the next day where they issued me a new debit card and told me that because the charges were " pending '', they couldn't do anything to stop the payment from coming through and that I would have to wait for the charges to clear my account before they could even take a claim for the fraudulent charge. It took until XX/XX/XXXX for the charges to clear my account and then they would issue a " credit '' to my account for the amount in question, during which the bank charged me an overdraft fee - granted, they did credit the {$35.00} back to me, but I shouldn't have been charged any overdraft fees to begin with as I had already verified that the {$490.00} was a fraudulent charge. Today, XX/XX/XXXX, I went back to my local branch and they said that they would file the claim and then proceeded to tell me that I would receive a credit to my account within 5-7 business days for the {$490.00} - so they let someone steal 95 % of my paycheck and allowed my account to go into the negative despite my requests for service AND I still don't have MY money - money that I earned and that they were supposed to keep safe. I am not asking for anything but the money that I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please examine the attached documents. I kindly ask the credit bureau to initiate an investigation into these accounts. Despite my punctuality, they are erroneously reporting me as being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-07 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: TX

Complaint narrative:
I have XXXX hard inquiries that were all unauthorized. 

XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX Capital One Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX

Company response to consumer: Closed with non-monetary relief