vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: ND

Complaint narrative:
I stopped being a XXXX customer in XX/XX/2016. I contacted the company and told them I wanted to pay my bill and stop being a customer. I was not under contract. They refused to close my account. I reported this fraud years ago and it was removed, but it has been readded to my credit report without my knowledge, I just recently found out whilst trying to apply for a personal loan

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/.

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 2023-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I received an Alert from my XXXX account that the credit limit on my Home Depot credit card ( THD ) had been decreased from {$5000.00} to {$2500.00}. I called the number provided in the alert, XXXX, which was to CBNA, ( CITI Bank ) on XX/XX/2023, and they could give me no information as to why my credit limit was decreased. I then called The HomeDepot customer service number to complain and request a reason for this decrease. My Home Depot credit card was dormant and they could not give me a reason for the decrease. I was very upset to learn that my Credit Score went from XXXX to XXXX. I have not been late in paying back my monthly credit card bills. I asked Home Depot to increase my credit limit back to {$5000.00}, which they did, only because I wanted my Credit Score to go back to XXXX. I even made a purchase of {$4.00} on my Home Depot credit card. On XX/XX/2023, I complained to the Home Depot customer service that it was unfair that CITI Bank decreased my credit limit. When I never received a reply from CITI Bank, I called Home Depot Customer service again. On XX/XX/2023 I received an email from CITI Bank which said they dont discriminate but gave me no reason for the decrease. On XX/XX/2023 I received a Voicemail from CITI saying they will respond to me in writing. CITI had no reason to decrease my credit. It was unfair and caused my Credit Score to drop to XXXX. While XXXX is still an excellent Credit Score, they had no reason to decrease my Home Depot credit limit in the first place. CITI gave me no notice of their intentions. By decreasing my credit limit, I feel they implied that I wasnt a good credit risk. CITI should not be allowed to engage in such practices.

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 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEMENTHAS NOT REMOVED NEG INFO FROM MY CREDIT PROFILE ALTHOUGH THEY ARE UNABLE TO SUPPLY ME WITH PROOF OF OWNERSHIP, ORIGINAL CONTRACT, AND CORRECT BALANCES. NEG INFO CONTINUES TO BE USED ULAWFULLY AGAINST ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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.

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 2023-10-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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.

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am new customer to Truist bank, since i opened this account, it has been truly a nightmare. I was approved for two different card that were sent out to my current address that was also listed on the application when i received the card i was unable to use them due to the cards being linked to an old address from over 10years ago, so i went through a fraud questionnaire with multiple agents then the cards were unlocked i asked to have all other addresses removed other thank the current one where the card were sent to and i was told they were removed as i went to make a purchase a month later the card were so how locked again and all information was back to my old address, once that was fixed ... ..3months later i went to redeem my rewards on XX/XX/XXXX through the app requested to have a check sent out email provided me with a processing # and said tht check going to be sent within 10 day but allow up to 3 additional weeks, so i waited a month never received anything so i decided to call and i was told they never even processed the check and they will be opening a ticket to have one sent out to me and to allow another 5-7 day before a receive it so a week went by still no check called again spoke to 2 other reps on two different day and was told the ticket was still in processing so i ask to speak to a supervisor they told me the same thing so i waited another week to called and this i spoke to a supervisor and i was told they sent a check out on XX/XX/XXXX after i redeemed the chk and they couldn't send another out until they get info on the first check and she told me she would f/w once she have an update that never ... .. SOOO i reached out to to them today to get an update myself and i was told they couldn't help me because I closed my account which i never did and they couldn't tell how the account was closed. So, i am not quite sure if i will ever see my rewards or received information on who actually closed out my account without my permission this is illegal, and this company need looked into IMMEDIATELY!! I am also requesting that the company pay me for my time spent as well as the pain and suffering they have cause me

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 2023-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX my belongings were stolen. I had to get a new phone and order all new cards. My chime card was used the afternoon of the XX/XX/XXXX for {$12.00} and again on the XX/XX/XXXX one transaction for {$60.00} and another {$28.00} and used again on XX/XX/XXXX for $ XXXX XXXX of XXXX is when I discovered these charges. I had got another phone and was able to look at my accounts..I filed a dispute with Chime and explained how my belongings were stolen. They denied my first claim and sent an email that simply stated they found no errors and my dispute was denied. I called them and they reopened my case. The asked them to provide me with documentation used to determine their decision. They said they investigation team would reach out to me and they would reopen the dispute. They then denied my second dispute the same day. I called back and got told the same thing. They would reopen it and that was all they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
In 2021, I opened a AmazonStoreCard through synchrony bank, and have been using that card cents. However, on the exact same date, that card was opened a duplicate card was created not to my knowledge until recently when I found out the duplicate card had two late payments from an amount of {$16.00} of something that I did not charge to the account. Every time I login the separate account does not show up nor have I ever received a credit card for it or knowledge that it was opened until I checked my credit report to find late payments. I contacted the company and they told me that they are not able to fix this even though it was obviously an error on the bank side sent a duplicate account was opened on the exact same day, not to my knowledge.

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 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a plan to pay the minimum balance due on a 24 month no interest Best Buy credit card. They continue to call me 3-4 times a day every day for the past 2 weeks.

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has for quite awhile allowed its customers to pay their Credit Card Balances with their Capital One Debit Cards. This payment method is effective, and quick with the payment posting instantly. Now they have removed that option in an antiquated move back to the outdated ACH system. Payments that previously posted instantly now take 5-10 business days to post, For many people who struggle financially, a payment taking 5 days to come out of your account means that the money is not going to be there when they finally process the payment. Since this change in XXXX, I have had numerous payments bounce as they do not process them quickly enough. This is outrageous. No transaction in the modern world should take more than 15 minutes to process. I don't even understand why ACH must be used when paying a credit card with the checking account at the same bank. Why can't they just process it instantly. This move is clearly an effort by capital one to push their customers into financial hardship so they can close accounts that they approved previously and are looking for a reason to close. Make the payments harder and have more hoops to jump through and then penalize customers when they have trouble paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TN

Complaint narrative:
Acc:XXXX To Whom It May Concern : NATIONAL RECOVERY AGENCY FIRST OFF YOU NEVER SENT ME A LETTER SO I CAN DISPUTE THIS DEBT WITH YOU SO THATS YOUR FIRST VIOLATION ITS up to a XXXX per violation and Im coming for you. This letter is being sent Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. Please attach copies of : Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserved the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of [ name your state ] medical privacy rules. I also, hereby, reserve my right to take private civil action against you to recover damages. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
I contacted Bmw financial to change my account from derogatory to current.There is a late payment showing in XXXX, however, the vehicle was refinanced on XX/XX/XXXX and Bmw received payment on XXXX XXXX payment would have been due on XX/XX/XXXX, the day they received the payment. 

This has impacted my credit score tremendously.BMW is refusing to change the status and am asking for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: GA

Complaint narrative:
I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.

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