vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX XXXX and other credit card companies I have that monitor my credit that an account was closed. Upon reviewing my accounts, I came to know that the Citibank Diamond Preferred account was closed due to inactivity. I admit I have not used the card in over a few years due to the fact I have several credit card accounts that offer better benefits and accent my spending trends better. I immediately called the customer service dept and informed them that I want the card opened and will willingly make a purchase using the card. I have a second credit card account with Citibank and have not used that card in over 2 years as well and that account was not closed. I understand the reason but do not understand how the company would close the account without any advance notification to allow me the opportunity to keep the account from being closed. I made 3 phone call attempts to have the account opened and was told by one representative that the process take 5-10 business days and they don't know if they would do a hard or soft credit inquiry. The second representative had me on the call for over 37 minutes, stated that an account specialist can have the account reviewed in 24 hours. The call dropped while I waited on hold and I didn't receive a call back nor any written proof of this actually happening. I recieved an email on XX/XX/XXXX indicating that the account will remain closed because I requested to keep the account closed. I did not request to have the account closed. I called on XX/XX/XXXX after reading the email and again was told my the agent that I can initiate the opening of the account and again it would take 5-10 business days for an account specialist to review the account. The call dropped due to me being at work needing to take an elevator and losing signal. I came to know the account was closed on Sunday, XX/XX/2024. A letter was generated and dated XX/XX/2024. I received the letter in the mail on XX/XX/2024. My complaint is how can you execute an action on the account without notifying me in advance of the action? If the account and all of my other lines of credit are in excellent condition, why would Citibank not provide me an opportunity to avoid the account being closed? Why is my other Citibank credit card account still open and active when I haven't used that card in over 15 months as well? I do not understand the bias, that lack of communication nor the inconsistent information being told to me verbally, in writing and email. Please help me to have my account opened without negatively impacting my credit health and credit score.

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 2024-08-10 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: AZ

Complaint narrative:
I dont recognize these credit inquiries and I had ask the 3 credit bureau to fixs it and they did not. 
I had submitted and identified theft report my reference number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
After receiving a copy of my XX/XX/year> consumer report I noticed inaccurate personal information.

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 2024-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Westlake Portfolio Management XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This collection is from XXXX to which I was paying on time until they added an extra payment to my agreed term. After phone calls and emails to which the issue was not resolved, I expressed to them that I was not going to pay until they got the issue fixed. They made no effort to do so, and so I stopped paying. I've already been over this with Westlake Portfolio. 

The 15 USC 1692c clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. '' Reporting to my consumer report, calling, and emailing are all forms of communication that need to be stopped immediately according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

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.

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 XXXX 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 2024-08-10 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX Account # XXXX po box XXXX XXXX, Wisconsin XXXX XXXX the consumer notifies the debt collector in writing within the tXXXXXXXX period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved out of the XXXXXXXX XXXX in XXXX XXXX, TX on XX/XX/XXXX. This move out was confirmed via email from XXXX XXXX of XXXX XXXX XXXX XXXX, the management group of the apartments. ( See below ) Around XX/XX/XXXX I received a letter in the mail from the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I owed the XXXXXXXX XXXX {$550.00} for rent from XX/XX/XXXX - XX/XX/XXXX and other erroneous fees. I called the XXXX but the manager, XXXX, was not available so I was given her email. I send her an email ( attached below ) informing her that I never received notice of any fees or owed rent prior to it being sent to collections and I only found out through a letter from a law office. I explained the full situation in detail and provided the emails between myself and XXXX XXXX. I also reached out the XXXX directly and never received a reply. ( See email below ) I also provided this information to the law office that was attempting to collect, informing them of incorrect information and providing proof yet no amount was changed. It is still on my credit. I also disputed it with the credit bureaus. XXXX removed it, but XXXX and XXXX did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I received a notification that I had made a purchase from XXXX XXXX with an item ready for pickup in a different city far from where I live. The charge was for {$XXXX}. I immediately contacted Citi to report the fraudulent transaction. Citi promptly locked my credit card and issued a new one. However, despite being a victim of cybercrime, I was later notified that my dispute was resolved without any credit being issued.

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 2024-08-10 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: NV

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-10 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: 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.

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 explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
After receiving my XX/XX/year> Experian consumer report I noticed inaccurate personal information.

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 2024-08-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I also Respectfully request that truant and XXXX move those Hard inquiries thats on my credit report. They are not mine. And some of them are XXXX yrs or older. Thank you so much

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 2024-08-10 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: FL

Complaint narrative:
XXXXXXXX XXXX date XX/XX/24 unauthorized inquiry that I have no idea 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 2024-08-10 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:
My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : 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  These accounts should not be charged off. I request verification of the charge-off status or correction to a XXXX balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : 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 I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX ) I request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted.

Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX-XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.

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 2024-08-10 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: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number

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 2024-08-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
After receiving my XX/XX/year> Equifax consumer report, I noticed my personal information was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.

I requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.

Original Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor. 

Insurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.

Chain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I checked my credit report every day and today within the last 30 minutes I saw that my score dropped XXXX points because of a {$9100.00} credit card with Chase that I did not sign up for or I've never seen it before. It says it's JPMCB card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: TN

Complaint narrative:
On XX/XX/scrub>/24 I received seven phone calls from a XXXX XXXX ID number. The calls came in at XXXX, XXXX, four calls at XXXX, XXXX. In addition to the calls, he left 2 voicemails containing background noise and a conversation with an unknown person. He sounded highly intoxicated. Following the seventh call at XXXX I immediately received a text from an identified XXXX ( XXXX XXXX, Florida ) stating : pick up bald XXXX. At XXXX, I received another call but because he had texted me from that number, the caller ID was revealed this time. He then texted again from the same number stating : I said pick up. I then called the identified number that texted me and indicated that I received missed calls from this number. The man on the other end responded no you didnt, youre full of XXXX, XXXX. He proceeded to call me a XXXX several times and then hung up. I then received ANOTHER text from the same number that said sorry XXXX. I responded to indicate I was reporting him to CFPB and to cease all communications with my number except in writing. He then texted at XXXX and stated XXXX you, I have you and your petty family on camera trying to bait me. He followed that with a text that said dont do it again is what Im saying, XXXX and we will see how much far that video of your XXXX kid gets XXXX  Dutch XXXX. 
Based on this number being registered in XXXX XXXX Florida and a previous collection call on XX/XX/year>24 from a number associated with XXXX XXXX in XXXX XXXX, Florida, I believe this may have been harassment on the part of one of their collectors. 
I am concerned particularly because the last texted threatened my family, and that he has personally identifiable information about me and my location.

Company response to consumer: Closed with non-monetary relief