vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 




Account Number XXXX XXXX SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a former First Republic banking customer, who was victim of identity theft the weekend before the company 's accounts were merged into XXXX in early XXXX. First Republic placed a " freeze '' on my bank account during my last week with them ( as per their identity theft procedure ) and wrote copious notes before the IT migration. The account was transitioned into Chase Bank in early XXXX. 

Unfortunately, due to a back end IT bug, the " freeze '' put into place by First Republic has been unable to be lifted from my account for over 2 months. I have been unable to transfer, withdraw, close, or otherwise access my money. The result has been missed credit card bills, missed student loan payments, a drop in my credit score, and an ongoing " inquiry '' that has yet to be resolved. I am currently working with a case manager, but have been told numerous times that the IT bug doesn't have a viable fix and no timeframe for completion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
TRANSWORLD SYSTEMS INC. Attempts to garner my wages without any explanation or any proof that I owe this debt. I have no idea what they are talking about and they never called me me to explain or put me on notice that they were going to take said actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have/had a Capitol One Credit Card with a minimum payment of $ XXXX. I set it up on automatic payments. The month of XXXX, I was shocked when I got multiple " warnings '' that my account was " past due ''. When I looked at my account online, my minimum payment had been raised {$100.00}. Despite the {$55.00} XXXX payment, I was charged a {$29.00} late fee and they hit me with {$50.00} in interest. It completely blew my mind because I was not informed WHATSOEVER this was going to happen. I only knew when I got the message my payment was " past due ''. In calling them, they told me I " should've checked my statement ''. This is such unbelievable theft and deception, it's hard to even comprehend. In order for ANY company to raise your payment, slam you with fees, interest rate, IT SHOULD BE MANDATORY THEY CONTACT YOU VIA WRITTEN DOCUMENTATION BEFORE THEY DO THIS. In calling them, they just gaslit me and infuriated me plus all you can reach is the call centers that these predatory criminals hide behind. It is nothing less than theft. So I cancelled my card and cut it up. Now I am receiving threatening " notices '' that " your account is past due '', like 2-3 times a day, and the amount due is listed as the balance of the account when the ONE thing they did tell me in between gaslighting me, because I kept asking, is my account payment would be $ XXXX. Yet, I am getting notices they want the balance, about {$1900.00}, right now. It's very confusing ONCE AGAIN because these people operate like a XXXX. They lie, they deceive, they misrepresent, they shuffle the terms and explanations like the shell game it is. They prey on the low income with insane interest rates anyway, then they pull this sth. They are predators. I want the harassment to stop. I want the payment amounts to stay consistent. I want the misrepresentation to stop. 
But mostly I want to know why these monsters are allowed to operate like this? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, Although this is an isolated event with my Best Buy credit card regarding a credit limit increase, the real issue is industry standardization around credit reporting inquiries. At some banks, it is a soft inquiry for credit limit increases and at other banks it will be considered a hard inquiry. As a customers, that is so unfair. Yes, it should be a hard inquiry when first applying to get the credit card but for a credit limit increase? Especially in my case, I have been a customer for over 10 years with a great payment history. Credit limit increases should be standardized as a soft inquiry by all financial institutions. The hard inquiries over and over to our credit report just do Not seem fair and just - as I mentioned the financial institution can see your payment history with them already as established customers. Its redundant. 

Thank you, 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 monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, is continuously harassing me by mailing a copy of a lawsuit summons every other day although I already submitted an answer to the court. I would like for them to stop harassing me by sending the same summons to my home every other day. I would contact the law firm, but after reading poor XXXX reviews, I am concerned with giving my personal information and trying to work with them. I am hoping that the XXXX XXXX district attorney can assist me with this harassment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: VA

Complaint narrative:
That XXXX XXXX XXXX account needs to be removed from my credit report I'm not waiting until XX/XX/year>. I'm still shocked of how the way your company is hold this account over my head. Do you think I was happy that I lost my job During COVID-19 crisis. I've also contacted the Virginia Attorney General as well about this matter your company is impacting my way of life physically and emotional.

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 2024-07-13 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: VA

Complaint narrative:
I noticed that you are reporting this account incorrectly " There should be no balance, past due or monthly payment on an account no longer owned by original company, this account was transfer/sold ; DELETE IMMEDIATELY '' Here are the specific items in contention : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I will also provide proof of the violations According to the FCRA you must report this account as accurate, complete, and verifiable as we both know. Please confirm that you have verified this account and that it is up to FCRA standards. Please do not send a stall letter as I have stated a direct response of what needs to be done on my account or it needs to be removed immediately from my account. And I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within legal time frame of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
In XX/XX/year>, I spoke with an employee at Forster and Garbus by the name of XXXX. I was able to work out a settlement agreement of {$690.00}, which I paid on XX/XX/XXXX. I was told that I would receive a stipulation of settlement agreement, but never received it. I called the company back in early XXXX to see why I never received the stipulation of settlement agreement or any information about receiving the settlement payment. I was told that someone would contact me, but they never did. In addition, this case is a lawsuit brought on by Forster and Garrys, which I already submitted an answer for. 

In addition, the agent XXXX, asked for my place of employment on the phone. Also, he left a voicemail message that didnt explain what company he was from and that he was a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: LA

Complaint narrative:
I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with XXXX, tranunion, and XXXX and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.

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 2024-07-13 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: LA

Complaint narrative:
I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with XXXX, XXXX, and equifax and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: CA

Complaint narrative:
XXXX provides me with information on my credit report that is incorrect, inaccurate information! 
XXXX account # XXXX Date open : XX/XX/year> XXXX XXXX : {$300.00} Highest amount {$440.00} Called with a good faith call to have it removed, with no success! 
This fraudulent account has been hurting my credit health for years. 
This is not my account, I have never had any such knowledge of this account! 
15 USC1681b Note : unfortunately at the time of the card being opened I was in fact incarcerated for past blunders!

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 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
XXXX XXXX XXXX. Attempts to garner my wages without any explanation or any proof that I owe this debt. I have no idea what they are talking about and they never called me me to explain or put me on notice that they were going to take said actions.

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 2024-07-15 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian and XXXX removed the actual debit when the actual creditor had it due to identity theft I have a fraud and identity on my file and wasnt notify now a collection agency XXXX is trying to collect the actual debit that doesnt belong to me no one send me validation that I have a sign agreement or this is my account I change my address with the post office and thats how creditor and bureau are updating address information not because I updated them I want these false collection removed of my accounts the company is send me some one else account that I dont know

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I will continue to open up rhis complaint until i receive proof of signatire that i received the package in dispute from XXXX XXXX. I am not responsible for packages left as that shows no PROOF that i received a package and i will Not be held responsible For a package That had a picture taken of The package. One could take a pictire and then take a package as im Not insinuating that happened but i am Implying fhat does Not prove j received the package. 
I am Not paying XXXX a Packabe that i dkd Not receive and you have Showed me nothing as i Am Requiring a sugnature of Myself Or someone i have authorized to sign for my package. You have Failed To provide me that and you are holding me accountable versus XXXX XXXX who needs to require that to ensure all packages are received by recipients. 
PLEASE PROVIDE ME SIGNATURE PROOF OF DELIVERY BY ME OR SOMEONE I HAVE AUTHORIZED TO SIGN FOR MY PACKAGES THIS IS MY LAST ATTEMPT IN REQUESTING THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MI

Complaint narrative:
This is my personal statement that the two listed accounts are not mine and I do not know where they came from. The FCRA states that pursuant to 15 USC 1681c-2 these accounts must be deleted due to identity theft. Please delete the following two fraudulent accounts from my consumer report immediately. 

XXXX XXXXXXXX XXXX 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 2024-07-13 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: MA

Complaint narrative:
Notified credit reporting agencies of late payments that was reported on my credit report and is inaccurate. I disputed them and Requested for them to be removed and they stated it was properly reporting I requested validation and have yet to receive any.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Notified credit reporting agencies of late payments that was reported on my credit report and is inaccurate. I disputed them and Requested for them to be removed and they stated it was properly reporting I requested validation and have yet to receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX I have not received an update on the dispute for more than 35 days. 

EXPERIAN : XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-13 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: MI

Complaint narrative:
This is my personal statement that the XXXX listed accounts are not mine and I do not know where they came from. The FCRA states that pursuant to 15 USC 1681c-2 these accounts must be deleted due to identity theft. Please delete the following XXXX fraudulent accounts from my consumer report immediately. 

XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-13 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: MI

Complaint narrative:
This is my personal statement that the XXXX listed accounts are not mine and I do not know where they came from. The FCRA states that pursuant to 15 USC 1681c-2 these accounts must be deleted due to identity theft. Please delete the following XXXX fraudulent accounts from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INCORRECT INFORMACION IN MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INCORRECT INFORMACION 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 explanation
Consumer complaint received 2024-07-13 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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