vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
Required disclosure by the collector ( credit corp solutions ) did not include information informing me ( the consumer ) that additional information regarding consumer protections in debt collection is available on the bureau 's website at www. CFPB.gov/debt-collection. Did not disclose the specific link according to 86 FED. reg. 5766 at 5812 ( XX/XX/2021 ) on validation notice. ( 1006.34 ( c ) ( 3 ) ( iv ) The validation of debt was not provided as requested by law ( 15 USC 1692g ). The debt collectors mailing address is in question. The debt collector can only include one mailing address in the validation information. Two different addresses are listed on two of the verification notice for the same reference number XXXX. 

The debt collector failed to confirm my identity according to Reg f official interpretations. The collector must produce my name, first, middle and last name as provided by the original creditor. The debt collector omitted my full name and has not satisfied the requirement to provide the consumer 's name pursuant to ( Reg f ) 1006.34 ( c ) ( 2 ) ( iii ).

The original account number/truncated version of the originating creditor ( not the debt collector ) is not correctly specified on the any of the validation notices provided by the debt collector 15 USC 1692g .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This is a debt that I don't owe and it was reported before and resolved, now a new collection agency is trying again but is not right. 

Please help the company is XXXX  and is using a new billing company : Southwest Credit Systems , LP this was resolved before and by error, it looks they send it wrong to a new agency.. which is hurting my credit again If you see I have excellent credit that I have been working hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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.

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 2022-04-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2022-04-09 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: FL

Complaint narrative:
XXXX  In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$1300.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
ON XX/XX/XXXX I had a chat with Capital One regarding late fees. They have been added to my account despite me making on time payments I placed myself on auto pay at the beginning of the year so that I wont miss payments. I set it to {$40.00} which was around the minimum payment for a balance of {$800.00} which is my credit limit where it has lingered for quite some time. Despite making my timely monthly payment, Capital One still chooses to tack on late fees of {$39.00}. It is crazy and outrageous and feels like unfair business practices. They have been doing this each month causing me to get further behind in my payments increasing the amount owed to them. Doing this not only prevents me from getting on top of my payments but allows Capital One to enrich themselves in the process. I am an XXXX XXXXXXXX at a XXXX XXXX  making below the federal poverty line. We are currently in a pandemic. They had placed me on a payment plan but I fell off some way some how where there were promises made to hold off on late payments. I asked ( please see the chat session ) if they could please waive the late fees that have been accruing on my account so that I can catch up and not pay these extraordinary fees which should be considered a crime. It is already bad enough that my interest rate is near 30 %. Capital One is not being reasonable nor fair in their dealings. I am putting this complaint through in hopes that this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Thursday, XX/XX/XXXX, I called the Check N Go debt collections number to let them know I am unable to pay the full amount I owe due to significant reduction in hours at work. I can barely pay my monthly rent, much less extra expenses. I agreed to pay what I could that day, which was {$40.00}. I told them I could call back on XX/XX/XXXX ( my next pay date ) to make another payment. The original person could not get my card number correct event after three tries. I asked to speak to a manager, as I was frustrated. The manager told me at first that if I just gave him the next date of when I would call in, it would take my loan out of active status and I would stop getting calls. I gave him the date, then he backtracked and tried to get me to commit to paying an amount on a specific date. I told him I do not want them withdrawing money out of my account automatically. He then told me I needed to commit to an amount in order to be taken off active status and not get repeated calls. That is not what he originally told me. I feel that he put me on a list and is punishing me because I was irritated with him and expressed my frustration. It is not my fault that I got reduced hours at work, and they need to work with me on payments that work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX, was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX  XXXX was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXX whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them XXXX XXXX XXXX was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX  was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX  company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXXe whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them TD Auto Finance was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 act XXXX XXXX XXXX account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 a account without my written instructions

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 2022-04-09 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am complaining about Chexsystems cause I have an issue where my identity was stolen to open a fraudulent checking account. I filed an FTC affidavit and tried getting a hold of Chexsystems to see if they have a fax that I can send them the paperwork too. I have a real big emergency where I was denied membership and I was approved for an auto loan cause I had a car accident where I was declared a total loss. I have no vehicle and it is imperative that this gets resolved ASAP so I can have them re check my check systems, my social is 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 2022-04-09 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: NC

Complaint narrative:
accordance to the Fair Credit Reporting Act XXXX Account # XXXX has been violated my rights. 15 U.S.C 1681 602 A. Section 1 have the right to privacy. 15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions

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 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern : As a victim of fraud and unauthorized transfer, I would like to file a complaint on the lack of security protections from Citibank that led to the loss of {$21000.00} from my bank account. 

On XXXX XXXX 2021, there were a couple of unauthorized activities from my Citibank account. I noticed them and immediately informed Citibank to stop the transfers or freeze my account when their status was still pending. Despite reaching out to different Citibank departments with the same request, Citibank still refused to stop the transfers. I put in so much effort, including contacting Citibank, filing reports with the Fraud Department, and reporting this to the police, but it was frustrating that Citibank did not recognize the urgency and nor make an effort to protect my savings account. On the next day, I discovered that almost the entire savings account balance, i.e. {$21000.00} in total, had been stolen from my bank account. 

Besides the refusal to halt unauthorized transfers, Citibank also did not perform appropriately to avoid the perpetration of fraud. Before this event, my account had never had any history of transferring more than {$1000.00} in a transaction. It was obviously suspicious that a large amount of money was suddenly overdrawn in excess of what was in the account. 

Similarly, such a large portion of my savings was transferred to a person I neither had any types of previous transactions with nor had added to my list of payees. While the recipient was as suspicious as the transfer, Citibank did not contact me to notify me of the unusual transfer, to verify identity, and to confirm the transfer. I, as the primary owner of the account, have not received any notifications or alerts about the transfer. It is very doubtful whether Citibank has taken any effective security measures to prevent the occurrence of unauthorized transfers. 

After this unfortunate event happened, Citibank asked me to wait and promised to do investigation into it. However, I have not received any reports about the investigation. I have not been provided any explanation about how my money was stolen from my account or any form of compensation from Citibank. It seemed more like a statement that the bank had decided to deny any responsibility. 

To resolve this, I would appreciate assistance from the Consumer Financial Protection Bureau. I would be able to provide all the necessary information and copies of records.

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 2022-04-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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