vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: MI

Complaint narrative:
In Response to complaint # XXXX I requested that Account from XXXX XXXX be removed account # XXXX, As stated in my previous complaint-In Accordance with the FAIR CREDIT REPORTING ACT. The below listed Accounts has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Listed under Transunion " XXXX XXXX XXXX '' As listed on Transunion report Account # in question may not be the correct account number as there is a discrepancy between the account # listed on Transunion and XXXX XXXX Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX Credit Card Account Listed under XXXX " XXXX XXXX XXXX XXXX  '' The response from CFPB complaint # XXXX gave non monetary relief of In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX UN-VERIFIED AS REPORTED

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 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
They needed to show proper validation of this alleged debt and if this was not provided within XXXX calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid. 
FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equfax want allow my credit report to creditors.I have been calling 3 months asking why the creditors cant view my Equifax file..I have been told by on representatives that my file is off line.and that why they can not view.I been told I would have the issue correct and call me... .I have been denied my credit report and accounts are missing on my file.Im like 10 days from filing a personal suit...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TX

Complaint narrative:
Fair Credit Reporting Act, Section 609 XX/XX/year> Subject : Fair Credit Reporting Act, Section 609 Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the account with the original contract, the information should be removed from my credit report within 30 days MAX.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX Synchrony Bank issued me a new line of credit of {$4000.00} on a Sam 's Club XXXX credit card. In XXXX of XXXX Synchronchy turned around under 30 days later and decrease another Synchrony XXXX credit card of mine to XXXX by approx. {$2000.00} because my of credit score? They just approved me for credit, how can they retract it 30 days later with no missed payments or fault of mine? 

Not only did they decrease my limit on the XXXX credit card, but they removed the entire available balance, leaving the credit card maxed out with only {$13.00} available and putting it from its previous 40 % utilization to now 98 % utilization! The damage their actions will cause to my remaining credit is very severe and will start a snowball effect I will not be able to recover from. 

This is a very deceptive credit lender practice, issuing new credit to an long standing loyal existing member only to retract half of it 30 days later from the member 's other accounts and damage their credit! 

As a Synchrony member with multiple accounts over many years, I have zero late payment history. Across all credit bureaus I have zero late payments, collections or any delinquencies on any accounts. So the basis to remove the credit I have been 100 % responsible for is unsubstantiated.

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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is how PNC closed my account Nonsufficient Funds ( NSF ) Fees for Instantaneously Declined Transactions https : //www.consumerfinance.gov/rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prohibit NSF fees on transactions that are declined instantaneously or near-instantaneouslythat is, those declined with no significant perceptible delay after the consumer initiates the transaction. This prohibition would cover transactions involving the use of debit cards, ATMs, or certain person-to-person apps. The proposed rule would declare that charging such fees would constitute an abusive practice under the Consumer Financial Protection Act.

They need to stop : Unfair Returned Deposited Item Fee Assessment Practices addressed potential unfairness concerns with returned deposited item fees, then put the consumer account on hold, hold up the funds, then close the account. The account that you never authorized anyone to close. the account that you are the registered authorized owner of. The account that you gave them your social card and collateral signature and they gave you nothing in return, then abruptly close the account with no notice, causing you to scramble around with great harm and injury to yourself and your financial situation. not only is this unlawful but its criminal. 

Then my account was closed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
In XXXX of XXXX I send a check to citizens bank to pay off a debt/collection. The check was over the amount that was due to put my account in good standing. Since then Ive contacted Citizens Bank on multiple occasions regarding this matter and they have repeatedly told me that the check is in the mail it is now XX/XX/XXXX and I have still not received my refund of {$800.00}. If you contact citizen bank collection department they will have a record of all the phone calls Ive placed to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I returned some items on XX/XX/XXXX. I wrote to the company on XX/XX/XXXX ( because it was not showing up as a credit on my store credit card ( where the items were purchased from ). 
The response I received was that they did receive the items at their return processing center on XX/XX/XXXX BUT the return process may take XXXX to XXXX business days to complete. Then, it typically takes another XXXX to XXXX business days for your refund to be processed back to the original payment method you used when the order was placed ( which was their own store credit card ). 
So they received the return items on the XX/XX/XXXX but it will take up to XXXX business days for me to get the credit ( XX/XX/XXXX ), on their own store credit card, which means this will pass the due date on my statement by 7 days. 
This is a ridiculously long time to wait for a credit on the items that I no longer have in my possession, that they do have in their possession AND will cause me a financial issue if I do not receive the credit in time ( it is the full amount of what I owe ). They said that I can pay the balance and then when the return clears their system I can request that they return the money to me but I would imagine that will take numerous days to receive based upon their processing time with a return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 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:
XXXX XXXX XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave XXXX XXXX XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for XXXX XXXX XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).

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 2024-01-28 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:
Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).

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 2024-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now Experian and XXXX added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by XXXX totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.

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 2024-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I XXXX XXXX am a living breathing man created by God. I hereby in Good Faith am pursuing my right to 15 U.S.C 1635 A ( f ) to Rescind this transaction with Title Max and have the ( Clear ) Title of my vehicle mailed back to me. Amongst the several violations found within this transaction I was not disclosed my right to rescind which is an obligation required under this section together with the statement containing the material disclosures required under the sub chapter. Title Max is also obligated to clearly and conspicuously disclose this information in which they have failed to do so. I am rescinding this transaction as I have been deceived and manipulated into making payments even though the Finance Charge in pursuant to 15 U.S.C 1605 clearly states that A Finance Charge is the sum of ALL charges which also includes the insurance. I am exercising my God given rights and my right to rescind this fraudulent contract as there are many violations within the Truth-In-Lending disclosure ( TILA ) and Fair Credit Reporting Act ( FCRA ). Aggravated Identity theft has also taken place when my vehicle was repossessed from me without my permission from a third-party company in which I am owed compensation for. In pursuant to 15 U.S.C 6802-Obligations with respect to disclosure of personal information. Under subsection ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. This is Identity Theft. Also, according to 15 U.S.C 1692f-Unfair practices-my property is exempt by law from such dispossession or disablement. Under sub section ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or displacement of property has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: MS

Complaint narrative:
I have an account on my XXXX Report For An Account With XXXX XXXX XXXX With The Original Creditor XXXX Avant. The Date Posted Was XX/XX/2023 For The Amount Of XXXX. I Disputed This Information On XXXX For The Wrong Amount And The Wrong Date. They Finished This Dispute On XXXX Saying The Information Was Correct. This Information Is Not Correct And XXXX Did Not Have Enough Time To Check Into This Information Correctly, Thats Why Im Writing You To Inquiry Into This Account Personally. Any Information You Acquire Would Be Very Appreciated If It Was Shared With Me. Thank You In Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
* called Sunday XXXX - no voicemail - from XXXX - midland credit * called Saturday XXXX - no voicemail - from XXXX - midland credit XXXX called Friday XXXX - no voicemail - from XXXX - midland credit They tend to do this every few weeks on a recurring basis. Never leave a voicemail nor any correspondence. I verified their number ( s ) from their own site verbiage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: FL

Complaint narrative:
This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now XXXX and Transunion added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by XXXX totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.

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 2024-01-28 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: EdFinancial Services
State: FL

Complaint narrative:
This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now XXXX and XXXX added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by EdFinancial totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: MN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am a full class member of the XXXX XXXX XXXX lawsuit.my loans and and the credit trade lines involving the loans are to be discharged and removed by XX/XX/XXXX per the rules of the settlement agreement. I have had nothing taken care of except being in admistrative forbearance until XXXX. 

School XXXXXXXX XXXX XXXXXXXX servicer nelnet 2 Direct consolidation loans Loan XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lentegrity Management, LLC
State: CO

Complaint narrative:
XXXX continues false reporting negative information lentegrity after I have filed lawsuits. The XXXX family is behind this with the XXXX XXXX families

Company response to consumer: Closed with explanation