vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express arbitrarily decreased my credit limit today right after I made a payment on my credit card and right before I initiated to pay a heating bill. I didn't find out until after I got off the call with the heating company when they said that my credit card transaction wasn't going through. Because of this I can not pay my heating bill and the best suggest that they could give me is to wait 4 days in which case I will most likely run out of heating fuel in my home. I am very upset about this course of action on American Express 's part and couple that with them refusing to reduce my interest rate on both of my credit cards as well as both of my wife 's American Express credit cards have left us both with a bad taste in our mouths when dealing with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.

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 2024-01-25 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:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.

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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I traded in on XX/XX/XXXX a XXXX XXXX 2018 to XXXX XXXX in XXXX, CT. They fully paid the remaining balance and on XX/XX/XXXX I got the monthly payment ( {$840.00} ) debited from my bank account as I had automated payments set up since I opened the account. 
On XX/XX/XXXX I called the financial institution that had my loan and they acknowledged that they had debited after the account had been paid in full and supposedly issued a check for the total amount and sent it via mail. On XX/XX/XXXX I reached out again since I still had not received the check. I was told they would put a stop payment on the check reissue a new one and to give it until XX/XX/XXXX to receive it. On XX/XX/XXXX I called again and talked to XXXX who again said they would put a stop payment on the previous check and reissue a new one. It's the third check they say they sent. I confirmed the address with XXXX. It's now the XXXX and I haven't received any of the three checks they have supposedly sent.

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 2024-01-24 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land collections is reporting a debt for XXXX XXXX XXXX. I do not recognize this account and have requested more information and validation from Mountain Land which I never received. I don't recognize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
According to the Fair Credit Reporting Act, consumer reporting agencies like XXXX and XXXX must treat consumers fairly and respect their privacy rights. As a consumer, I have the right to keep my private information from being shared without my consent. The Act also states that financial institutions have a duty to protect the privacy of their customers ' information. I have not given my consent to these agencies or the financial institution to share my information, so any consent they claim to have is now revoked. The Act also requires that consumers be informed of their right to keep their information private, but I was not informed of this right. Certain items of information are also prohibited from being included in a consumer report without authorization. In conclusion, I am asserting my rights as a consumer to protect my privacy and ensure that my information is not shared without my explicit consent. It is important for all parties involved to follow the regulations outlined in the Fair Credit Reporting Act. 

This account has been reported again without my consent, which is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is prohibited to provide any inaccurate information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e states that every consumer reporting agency must have reasonable procedures in place to prevent violations of section 1681c and to limit the provision of consumer reports to the purposes listed under section 1681b. Unfortunately, XXXX and XXXX are not adhering to these reasonable procedures. Furthermore, as per 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am choosing to exercise this right and opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Can you update my address and name on 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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to report fraudulent accounts on my credit report validated through XXXX. The banks, accountable for fixing this identity theft issue, must promptly rectify the inaccuracies on my credit report. The banks, acknowledging a system error, committed to removing these entries : XXXX XXXX  XXXX XXXX XXXX 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 2024-01-24 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NV

Complaint narrative:
Online banking account being restricted, can not sign in. Have no access to my money, called them they say account is under review, need documents to proof the money is mine. ask them when they can fix this problem, they don't know, they say there is no time frame. I have XXXX dollar in these XXXX account total. Need it for next XXXX  expenses. They say still need to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NY

Complaint narrative:
This is a follow up to my other opened complaint regarding a delinquency which suddenly appeared on my TransUnion credit report. I did initially not recognize the credit Union which reported the delinquency in XXXX. It turns out my old credit union merged with XXXX XXXX hence the name change. Irrespective the delinquency occurred over XXXX XXXX ago as you can see the loan was taken in XXXX. The XXXX XXXX initially occurred in XXXX so why is it just now be reported again some XXXX XXXX later

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 2024-01-24 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Formal Complaint and Opt-Out Request Regarding Privacy Act Violations by Early Warning Services Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against Early Warning Services for egregious violations of the Privacy Act, specifically 15 USC 6802-6805. Upon thorough examination of the Early Warning report, I have identified and documented 211 instances where the company has violated privacy laws, involving unauthorized access to overdraft balances, withdrawals, deposits, and the unauthorized opening and closing of accounts.

Enclosed with this complaint is the detailed report, serving as evidence of these numerous privacy violations.

In addition to the complaint, I would like to exercise my right to opt-out per USC 6802. I request that my personal information be removed from Early Warning Services databases and that they cease any further use or disclosure of my information. 

I kindly urge the Consumer Financial Protection Bureau to initiate a comprehensive investigation into these serious breaches. The gravity of these violations necessitates swift and decisive action to protect consumers and hold Early Warning Services accountable for their actions. 

In line with applicable laws, I am seeking compensation for these violations, with a minimum of {$1000.00} per instance, as permitted under the Privacy Act. 

Your immediate attention to this matter is crucial in ensuring the protection of affected individuals privacy rights. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and enforcing the Privacy Act. 

Thank you for your prompt consideration and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
I am filing a dispute against Equifax for having invalid/fraud related information on my credit. There are several aka on my credit report. Only name on my report should XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX. I want all other names remove There are also accounts and inquires reporting as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express has discriminated against me by denying me a portion of my open end credit pursuant to Equal Credit Oportunity Act and Truth & Lending regulations Z. American Express has denied me credit after I gave them a security Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NM

Complaint narrative:
I have request validation of debt from them for the past XXXX XXXX and they are ignoring my request. It's mu understanding that per FCRA they are to take my request seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital refuses to delete a old account and is continuing to collect on old debt. I've requested verification of debt and they ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
First Due date payment was XX/XX/XXXX. 
I made the payment via over the phone with a rep & i made a second payment that same day on the Kohls Credit card website. Payment 1 was {$35.00} and Payment 2 was {$30.00} I also made a 3rd payment on XX/XX/XXXX for {$58.00}. 
7 days later ( XX/XX/XXXX ) these payments are shown as " reversed '' on the Kohls Credit Card website. 

I was notified via text in XXXX, from Kohls that I had a payment past due, I called and was told they would reverse the late fee and took a payment over the phone with the rep ( this is now the XXXX payment made ) The payment was approved/accepted and moved on. 

7 days later ( XX/XX/XXXX ), the XXXX payment shows as reversed on the kohls credit card website. 

I received another text about my payment being past due. 

I called and asked why these reversals were happening. 
The rep was very unhelpful in that regard. He said i had to have entered the wrong information in. He was more focused on getting a payment. I told him I would not be doing a payment over the phone again and that i would do it in person at the actual store with my debit card. I told him I would pay it in full. Then asked to have the late removed and he said he would only do that if I made the payment that day. Which is exactly what i did. 
I paid the full amount that day. I was told over the phone i would NOT get a ding on my credit report over this. Kohls has not provided me any of the account information i entered supposedly wrong. All I have been told is that they would do an investigation and let me know within 30 days. I have tried calling NUMEROUS times to speak to supervisors, to get an explanation why these payments kept reversing. 

I get hung up on, or talked over, one time i called, and i was told i had to speak to the fraud department and they wanted to confirm that I made the purchases only my card. Then she unlocked my card. Which i had no clue was even locked to begin with. I told her that's not even why I called, and she acted like she no clue what i was even talking about in regard to my issue. 

She transferred me to the collections department, and I sat on hold for 15+ minutes before being hung up on. 

So here i am, with no answers still. Kohls has been treating this whole ordeal extremely poorly. 

Also, not once when i made any of these payments did i get notified that they were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Aldous and Associates is reporting a debt that is not mine. They are saying I owe {$330.00} to XXXX XXXX. however, I have an account with XXXX and have no clue why this is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED. I am a victim of identity theft. I am not responsible for any charges made to this fradulent account on my credit report. I did not open this fradulent account. I am requesting that this fraudulent account by XXXX XXXX XXXX XXXX XXXX is removed and bloced from my credit report. MY IDENTITY WAS STOLEN AND THIS ACCOUNT WAS NOT OPENED BY ME. 

PLEASE BLOCK AND REMOVE THIS ACCOUNT. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Account Status XXXX Owner XXXX  Account Type XXXX  XXXX  Type XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion not showing my credit report and my score is holding from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: MI

Complaint narrative:
In 2023, From XXXX to XXXX I contacted the company to make payments. I speak with the same representative and she nice but stern. I created an account and made a payment. The account information never went to email, they wont give me my account information. Ive asked to verify with other things and they just telling me to make a payment over the phone for a fee. 
I had got a new number and I need help settling this debt. Ive also saw reviews stating that their debt hasnt been removed from their credit. It worries me because I have to move, and I need this proof. I want things to be resolved for others, so when it comes to me and everyone else things will get taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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