vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: VA

Complaint narrative:
I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company ( Jefferson Capital System ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022, I received a letter advising that TD Bank was closing five of my accounts with them. After several years of doing business with them, I believe I am being discriminated against. I have never deposited a check that bounced ; never wrote a check that I did not have funds for ; I have never had overdraft fees ; I almost always maintain my minimum required balance. In addition, I have always been respectful and courteous to all bank employees that I have communicated with. Further, I ensure that all account transactions are legitimate. I do not believe that there was a reason to interrupt my banking status with this bank. Though the relationship is at will, I feel I am discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I went into Macy 's to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a Macy 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called Macy 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from Macy 's. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from Macy 's and owe them nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I have a credit card with Avant and my balance is past due, which I know already. What I have a problem with is Avant is continuing to harass me and call me multiple times a day every day despite me trying to get a hold of a manager to ask why they are allowing their employees to harass people for a late payment. I understand calling and trying to get a hold of me however what they are doing constitutes as harassment and I will be filing for that. I am a law student and know that according to The Fair Debt Collection Practices Act ( FDCPA ) continuously calling me does fall under harassment. If I were to go to any police department and show them my call logs I would be awarded with a restraining order. Do I need to take things this far? I attempted to speak with a manager however after being on hold for what seemed like forever, they told me that a supervisor would call me, which they only have 10 business days to do so. I let them know that if I received one more phone call that was not from a manager that I would file a complaint against them. Not even 24 hours after I told them this on a recorded line someone who is not a manager called me and it was about my past due balance. And surprise surprise someone who was not a manager called me about collecting a payment after I told them that they were harassing me and that if anyone other than a manager called, I would report them so that is exactly what I am doing. If I need to I will file suit against this company because what they are doing is not right. How are you going to call someone repeatedly going to call you about a debt to the point where I have to threaten suit. And I just got off the phone with them after they called me when they were not a manager and would not put me on the phone with a manager for the second day in a row. The women who keeps calling me is named XXXX XXXX, the gentleman I spoke with yesterday was XXXX XXXX and today it was a gentlemen by the name of XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXXXXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXXXXXX XXXX. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with a fair credit reporting act the list of accounts below his violated my federally protected consumer rights to privacy and confidentiality under is usc 1681 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is usc 1681 section 602A states I have the right to privacy Is usc 1681 section 604A section 2 it also started a consumer reporting agency can not furnish a account without my written instructions Is usc 1681. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other adverse item of information other than records of the report by than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, 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: 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 U.S.C 1681. 

XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX ; XXXX Account XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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.

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I recently accepted a % XXXX XXXX balance transfer offer on my card which posted XX/XX/XXXX, I was expecting to see an interest saving balance amount like I do on my other cards that have % XXXX XXXX promotions in order to properly pay what I needed to in order to avoid accumulating interests, but when I went to make a payment today, XX/XX/XXXX, this was not there, when I called to inquire I was told that with a balance transfer, if there are any other transactions on the card, the full statement balance amount would need to be paid in order to avoid interests. This fully defeats the purpose of the % XXXX XXXX offer. I was told there is no solution and that this was disclosed in the balance transfer offer. While I don't doubt that this is hidden somewhere in the fine text of agreement, this is vital information that should be provided to the consumer before finalizing the decision to complete the balance transfer, especially since I already had transactions on this statement while I was completing the offer, had I been informed prior I would have made a different decision regarding this promotion, other information like the length of the % XXXX XXXX term or the balance transfer fee were plain to see, but this was left inconspicuous in what feels like unfair and borderline fraudulent business practices. The customer service representative offered no help whatsoever and said that the only solution is to pay the balance. He said he filed a complaint, but even told me to my face that the complaint would amount to nothing and would only be " tracked '', he refused to provide anything in writing despite my request it be emailed to me and only provided me with a complaint number ( XXXX ), I can not find on the website where I can review the balance transfer agreement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One Bank recently sent me a letter informing me that I am not liable or responsible for any previous Capital One credit card accounts that was opened up fraudulently in my name due to identity theft. I applied for a pre-approval Capital One credit card and the pre-approval was denied due to previous Capital One Bank credit card accounts with a balance. All of the previous Capital One Bank credit card accounts was fraudulent accounts and was the result of identity theft. None of the Capital One Bank credit card accounts was my accounts. All of the previous Capital One Bank credit card accounts was opened fraudulently and was the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, SSN last 4 : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: OR

Complaint narrative:
I went into XXXX XXXX to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a XXXX 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called XXXX 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from XXXX XXXX. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from XXXX XXXX and owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I need Synchrony to STOP pulling my credit. My credit score has taken a serious downward turn because of the numerous inquiries from Synchrony Bank. 

My score has dropped XXXX points due Synchrony keeps pulling my credit report over and over. 

I have ( XXXX ) credit card accounts with Synchrony Bank and they have continued to pull my credit. 

They have done nothing but ruined my Credit systemically. One account at a time taking the rest of my credit with it. This bank is the absolute worst. They lowered my credit limit on 3 of my credit cards without notice and never responded to my inquiry as of WHY. Ive been making monthly payments and have never been past due. Theyre worthless and dont communicate.

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