vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX an Opt-Out letter was mailed to Self Inc and it has come to my attention that according to the Privacy Act of 1974 : ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, " financial transactions '', medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports.

( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

-- -- -- -- -- -- -- - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
XXXX, transunion, and XXXX are reporting these inaccurate accounts on my profile.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX of XXXX  Capital One offered a " no annual fee, cash bonus ( XXXX dollars ) " promotional credit card. I requested and received the card. I met the requirements of charging the required amount of money within the specified time limit to quality for this promotion. 

When I asked for my bonus cash money I was told the card they issued me did not qualify for the promotion! This is the classic bait and switch scam! 

As information my credit score is between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
Capital one XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. My account ( Account # XXXX ) was reported 30 days late in XX/XX/XXXX however, I had credit protection and I had made a claim as i was not working. When I called customer service I was told that my report would be updated but it was never updated to remove the late status. I then requested the account be removed as I have no balance and therefore there is no need to remain on my report. On XX/XX/XXXX I again made the same request and as of today I have not gotten a response nor a removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I moved to the XXXX from XXXX in XXXX and held HSBC debit and credit cards until XXXX as my XXXX accounts were active. I never used the credit or debit cards. However, my credit card was linked to my debit card for overdraft protection. At some point my account went into overdraft due to an erroneous transaction and started pulling money from my credit card for overdraft protection. I was never informed of this by HSBC and over the next XXXX years the credit card accumulated approx. XXXX XXXX  in fines and charges. HSBC says they sent letters to my old address which never reached me. In XXXX a collections agency called me stating that the debt has now been sent to collections. I reached out to HSBC and tried to resolve the issue, but they refused to cancel my debt. This is still showing up on my credit reports and I am unable to get a house loan. I would like this removed from my credit report as I feel HSBC has been unfair with this whole episode and tagged me with exorbitant charges fees that I never incurred. They made no sincere efforts to inform me of the glitch and all the monies owed are essentially HSBC fees and fines. Any help in this matter would be very appreciated. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I was alerted to changes on my account without my permission. I contacted my bank who told me they would lock the account and escalate the issue as my email, password, and phone number had all been changed. I maintain access now only through XXXX  login on their app. 

A few hours later two charges for XXXX were placed on my account for over XXXX XXXX. I contacted them via their online chat. They told me there was nothing they can do and to call the support number and ask to be transfered to the fraud team. I called, and was told their fraud team does not take calls and will contact me via email. I spoke with a supervisor and they told me they would investigate the chat logs as the person I chatted with gave me wrong info. It has been 3 days. I still have no way to change my account info as it either requires the password that I don't have and if I try to reset it it prompts to text the phone that is not mine or end a code to the email that is not mine. 

I still do not have my XXXX back to even try and transfer to another account so I can pay my rent. I have no heard from their fraud team and I called today XX/XX/XXXX for any updates and they seem to have yet to touch my case. I still can not speak with anyone from their all powerful fraud team, nor can anyone but them help me update the info on my account to prevent this person from further accessing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have been with the same mortgage company for over 7 years and have never missed a payment or paid late. My payment history is 100 % excellent for my mortgage and all other accounts. I never received a statement in the mail or electronically for XX/XX/year> from LoanCare. I am set up to receive mail and electronic communication with Loancare and nothing on my account as far as contact information has recently changed. XX/XX/year> I did not receive one form of communication from the lender that my payment was not posted to my account. On XX/XX/year> I received an email from XXXX that one of my accounts on my credit report was past due. I immediately researched this via XXXX to find that my XX/XX/year> mortgage payment was never posted to my account. Double checking all of my emails and mail to find not one correspondence from LoanCare that my payment was due or even past due. I logged in online to Loancare 's website only to see that the website and platform is totally different making the borrower use XXXX separate websites to even make a payment or see information. I immediately posted the " past due '' payment & requested the late fee & negative reporting to my credit report be removed. Loancare removed the late fee and told me they couldn't remove the negative on my credit. I believe they had a system update and internal error causing my payment to not post to my account. I am asking this negative remark to be removed from my credit report as this was not MY fault but LoanCare and their negligence causing the consumer to suffer the consequences resulting in a decrease of credit score XXXX points! My credit score has always been in the high XXXX and this is unacceptable to do to someone that prides themselves with their credit and paying ontime.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: Paradigm Assets, LLC
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
The debt with creditor Midland Credit Management is also deb.t that is over XXXX XXXX XXXX. I believe the original crediot is XXXX or XXXX XXXX. not sure who the original creditor are for this account in the amount of {$2600.00}.. I believe the original creditor for this account may be XXXX XXXX XXXX XXXX but i'm not sure. However this debt is very old. Midland Credit Management are in the business of purchasing old debt as well regardless of age. They are trying to collect funds due for debts that are over XXXX XXXX XXXX. These accounts wer probably open in 2015 time period or earlier. However, both accounts are over XXXX XXXX XXXX as already stated above. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have called the company multiple times and sent them a letter requesting they stop sending me marketing emails for a credit card for my company, XXXX XXXX XXXX XXXX, which no longer even operates. They refuse to stop sending me the spam mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-15 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: AL

Complaint narrative:
I owed a balance for XXXX XXXX XXXX XXXX XXXX XXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I have a Citibank credit card which had a credit limit of {$10000.00}. I have a balance of roughly {$2300.00} and only a 17 % credit usage. I went to pay my monthly bill and I noticed I only had {$60.00} available credit. Citibank lowered my credit limit enough to max me out 100 % /causing my credit score to severely be impacted. How is this legal? I have a 100 % rating for paying back my bills. I have never missed a payment so I think this is completely unjust and should be illegal. What if I was away or needed to put gas in my car or an emergency happened and I thought I had the funds to take care of the issue to come to find out I have no credit available? Furthermore, because they maxed out my credit limit, once the interest payment kicked in, that would have put me over the limit causing an over-the-limit fee and a hit on my credit report. This is financial institute abuse and it needs to be reported and dealt with immediately. Is there something that can be done to prevent them from doing this to myself and all others who act in good faith and are good clients? This has to be fixed and they need to be held accountable for causing me this much distress and hurting my credit reputation!

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