vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NY

Complaint narrative:
I opened the account in XXXX and have never missed a payment I've never had a late payment. 
I have grown adult children and use this credit card to secure their college tuition. 
In XXXX I gave birth to a XXXX XXXX with a XXXXXXXX XXXX 
I had no problem making the payments even through several of her XXXX XXXXXXXX XXXX 
During the time of the covid pandemic I righteously made my payments. 
I have reached out to discover every XXXX months to XXXX XXXX  to see if there is a way to lower the interest payments I have paid over {$8000.00} in interest, each time they indicate to me that that is the card I have. 
Recently I reached back out to them Indicating that we are considering filing bankruptcy they offered me a XXXX months interest program which I accepted and completed during that. Of time I also paid {$150.00} over the minimum payment. my card is on auto pay and has been for over XXXX  years. 
Upon completing the program they told me I could not get into another program for a year they could offer me nothing more than lower interest on future purchases. 
That is not the quality standard I have if I can not make the payments on the purchases I have I'm certainly not going to be making any further purchases as I haven't there's absolutely no activity on the account and has been no activity on the account I am merely paying years of interest. 
I called discover every XXXX months to a year to see if there's any options and there is absolutely no options with them. the representative filed a complaint on my behalf as it's indicated I have diligently tried to come to an agreement with discover or a payoff or any financial offers in there isn't any the only offer they have is to go delinquent and incur more interest and have a negative XXXX XXXX and negative credit reports. 
So today XX/XX/XXXX I took my account off auto payments Recalled discover to see if there was absolutely anything I could do again the answer was no. 
My daughter is going under another XXXX XXXX and her medical is more important to me than a company that just refuses to work with you and give no options other than to negatively affect my personal and financial credit. 
I've made above and beyond payments, as indicated the interest rates begin to really go extremely high I called discover they indicated that there was nothing that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
I asked this company to cease and desist of reporting because they continue to report inaccurate information pertaining to credit reporting. Their electronic portals where I have sent countless identity theft reports and driver license and letters from the attorney general have erroneously been invalidated. I've also sent actual certified mail letters with documentation and their continues to be a problem and issue with everything sent to them. 
The letter on XX/XX/year> signifies the letter also the you will see the electronic submission that i was told to do which had all of the documents requested and they continued to send this letter as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This collection is a result of identity theft FCRA subsection 605b 15 usc 1681c2 please block this collection Trans world systems # XXXX Amount {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-05 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
This company placed an erroneous collection on my credit file. I requested that the company provide me with purchase agreement between their company and the alleged original creditor authorizing them to collect on their behalf to which they have not done so as of todays date. 

The company provided me with that appeared to be an account statement which is NOT what I asked for. I asked for them to provide me with a purchase agreement, authorizing them to collect on the alleged original creditors behalf. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Moreover, obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX ( a ) ( 7 ) - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person. 

Additionally, while reviewing my credit report, this collection account is not XXXX Compliant as the Activity Date, Date of Account Balance, Date Opened, Account Status, Date of Information, Date Verified, Remarks, Account Terms Length, Past Due Amount, Data Reporter Telephone Number is inaccurate and inconsistent between XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: FL

Complaint narrative:
This letter is regarding subject account XXXX  XXXX, which you claim my account was charged off {$2700.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, this account has been paid in full of a final payment of {$750.00} made on XX/XX/2024. I request that you provide documentation of the complete satisfaction and payment of this debt and that its reporting to all credit bureaus to the same. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Unjust Account Restriction and Planned Closure - Citi Checking Account ( Account Number : XXXX ) Dear XXXX, I am writing to lodge a complaint regarding the handling of my Citi Checking Account ( Account Number : XXXX ) by Citibank. After making my initial deposit, Citi blocked and restricted my account without reason, promising a review after XXXX hours. 

Unfortunately, after the XXXX period, I received no further communication regarding the status of my account. When I called to inquire, I was informed that my account would remain restricted and closed within XXXX days, and a check for the remaining balance would be sent to me. 

I have made several attempts to resolve this issue with Citis Fraud Prevention department, but they have not provided any explanation or remedy options. This situation has caused significant disruption and inconvenience, and I believe it violates my rights as a consumer. 

The reference number for my case with Citi 's Executive Response Unit is XXXX. I respectfully request your assistance in this matter, as I wish to have my account unblocked and reopened. 

Thank you for your time and consideration. 

Sincerely, 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 2024-09-05 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: NC

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  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 Experian 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 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 2024-09-05 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: IL

Complaint narrative:
I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.

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 2024-09-05 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:
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 Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MS

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 XXXX Account Number : XXXX and 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 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I was referred to XXXX XXXX through the VA 's XXXXXXXX XXXX XXXX ( XXXX ) program as a XXXX  % P & T XXXX veteran. Unfortunately, XXXX XXXX failed to perform the required services but did take x-ray images. Upon checkout, I confirmed with the receptionist that the bill would be handled through the VA contract, and I was reassured twice that the VA would be responsible for the invoice, as per XXXX XXXX agreement with the VA. 

Despite this, I began receiving invoices from XXXX XXXX. Attempts to contact XXXX XXXX were fruitless, as the phone number they provided never connects to a billing XXXX. On XXXX occasion, I received a random call from a XXXX XXXX representative who claimed I owed {$30.00} out of the {$150.00}, expecting the VA to cover the rest. I reminded them that the VA XXXX program had not been billed, and as per the contract, I am not supposed to pay out of pocket. The representative, instead of addressing the issue, hung up on me when the conversation became frustrating. 

Subsequently, I connected both the VA XXXX representative and a different XXXX XXXX representative, expecting a resolution. However, this issue remains unresolved. I have no intention of making any payment until I receive confirmation from the VA XXXX that XXXX XXXX has properly billed them and if there is any amount I am contractually obligated to pay. 

It is clear that XXXX XXXX is acting in a predatory manner, attempting to take advantage of a XXXX veteran, while failing to comply with its contractual obligations under the VA XXXX program. This behavior is unacceptable, and their business practices warrant serious scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-05 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-05 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:
I repeatedly call experian regarding an issue with my credit score. Based on XXXX months ago when i called because i saw a XXXX drop for no reason. My debt amount went down {$4000.00} and they decrease my credit score. I have been disputing inaccurate items on my report. As of yesterday they corrected my addresses, removed some unknown inquiries but not all and removed the XXXX  so I go to look at my report, instead of going credit scoring going up they decreased it by XXXX points which does make any sense to me. Everything is unchanged. So how is it when negatives are taking off that your scores are being reduced and it seems im being penalized for asking to correct and issue so now my credit score takes a nose dive. I am requesting an investigation into this issue with my credit score. I'm trying to repair my credit back to go standing and score by asking them to correct the inaccuracies but instead they are taking major points off my credit report and making it worse.

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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for a venmo credit card in XXXX because they were offering a {$200.00} promotional credit if you spent a certain amount within the first 90 days. I fulfilled the requirements but they still have not given me the {$200.00}. I've called them several times over the last 6 months and each time they say it will be on my next statement. It never is.

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 2024-09-05 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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