vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
In 2020 I got a phone bill from XXXX for XXXX dollars even though I never had XXXX  I've had XXXX My whole life I've disputed it multiple times with creditors and told them my identity was stolen you can look at my credit history everything else I pay is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I disputed inquiries on my report that were not related to things i consented to. After less that XXXX hours they deemed their investigation complete and did not fix anything on my report or thoroughly do an investigation Items are as follows : DateXXXX XXXX XXXXXXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyEQUIFAX XXXX XXXX AddressEQUIFAX MORTGAGE SERVICESXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Request OriginatorXXXX XXXX XXXX XXXX XXXX XXXX CompanyXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Request Originator XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request Originator

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: KY

Complaint narrative:
I have been trying to work with Discover to lower my interest or payments or settle for my account and close it due to financial hardship. I am unable to pay my credit card bills. Discovery has called me twice a day since Monday XX/XX/2024. They called me on XX/XX/2024 at XXXX and XXXX. On Tuesday they called me at XXXX and XXXX. On Wednesday they called me at XXXX and XXXX. On Thursday they called me at XXXX and XXXX. I have attempted to answer these calls but when we connect the phone immediately hangs up. I feel as though I am being harassed and no one will talk to me directly from the Discover. I answered the Monday and Tuesday morning calls, but it immediately hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: SC

Complaint narrative:
I have previously stated that I have discovered that my personal information has been exposed to 15 different data breaches, including my email, addresses, credit card numbers, and ssn. There are some accounts that I do not recognize on my credit report or they continuously report inaccurately no matter how many times I have disputed these issues in the past. As a consumer, I have a RIGHT TO PRIVACY. 
In accordance with the Fair Credit Reporting act, 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. 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. This is a violation of my rights. 

This is disheartening to know that this company has complete control over my life and how I can provide for my family, and continue to do whatever they wish with no regard to the rules and regulations set in place that they are required to abide by. I serve the XXXX XXXX and my country faithfully and I am being stripped of my rights in the very country that I have fought for in XXXX. This inconvenience has placed a hardship on me and my family, as I am XXXX XXXX Military and could possibly lose my security clearance while trying to serve my country. 

One of these accounts in particular, I have contacted personally and they did not have any contract with me on file, yet when I dispute items they are some how verified. This is FRAUD. If the requested items are not deleted promptly, I will be filing arbitration with this 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 2024-03-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Enclosed is a detailed compilation, along with corresponding dates, of hard inquiries on my credit report that were not authorized by me. It is imperative to note that these unauthorized inquiries were conducted fraudulently, significantly hindering my ability to secure a new home for myself and my family. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I kindly request that you conduct a thorough investigation into these unauthorized hard inquiries and provide me with detailed information on their origin and purpose. Furthermore, I am seeking confirmation of my handwritten signature or another form of documentation that validates my authorization for these specific credit inquiries. I understand the importance of maintaining the integrity of credit reports and appreciate your prompt attention to this matter. Please keep me informed of the progress and findings of your investigation. Thank you for your assistance in resolving this issue 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a long-term checking account and credit card customer of Bank of America who consistently pays off his credit card balance in full each month to avoid all monthly interest charges. In XX/XX/XXXX I contacted the bank to see what bank products were available to me to pay off at a lower interest rate a high interest ( XXXX XXXX ) installment loan of {$15000.00} I had with a credit union where I had an established line of credit. After discussing the possibilities with a bank employee, I thought that I would be getting a bank transfer for which I would pay a transfer fee of XXXX XXXX  of {$15000.00} for a total of {$15000.00} with the understanding that no interest would be charged on that amount provided the {$15000.00} was paid in full by XX/XX/XXXX. On XX/XX/XXXX, {$15000.00} was deposited into my checking account and on the same date, I wrote a check to the credit union for {$15000.00} in full payment of my installment loan with the XXXX XXXX. Since I planned to continue my long-standing practice of paying my credit card balance in full each month, I expected that, provided I paid off this {$15000.00} by XXXX as I intended, I would continue to avoid any interest charges. 
Given that expectation I was surprised to see my credit card statement for XX/XX/XXXX included an interest charge of {$18.00}. When I discussed this interest charge with the bank : first on the phone with customer service and then in person at my local branch in XXXX, XXXX with the assistant branch manager XXXX XXXX, I was eventually told three things. First, in fact, I had a direct deposit cash advance rather than a balance transfer. Second, one feature of a direct deposit cash advance is that interest charges start accruing immediately on my credit card charges until the {$15000.00} is paid off in full. As a result, in addition to the {$1800.00} interest already charged, I should expect interest to be charged on any future charges against my credit card until the {$15000.00} is paid in full. Third, in a recorded phone conversation with a bank employee prior to this transaction, I am told by some bank employees that I understood and agreed to these terms. XXXX XXXX XXXX, the asst manager, was able to listen to an excerpt of the recorded conversation but did not hear me agree to anything. In fact, after agreeing to the {$450.00} transfer fee, I know I would never knowingly agree to any additional charges.

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 2024-03-08 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: CO

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 2024-03-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union is the only company refusing to update collections accounts. XXXX, XXXX and XXXX have all stated debt is not valid and have removed. Keep updating files to further harm credit

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 2024-03-08 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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

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 2024-03-08 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: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This complaint is submitted against Capital One Bank. On XX/XX/XXXX, as I received an email indicating that my email address and phone number had been removed from my account. I immediately logged in to my bank portal and that account, only account out of XXXX accounts had been closed. The bank had issued a closeout check in the amount of {$18000.00}. I immediately called Capital One and was told that I would receive a letter. After a few months of not receiving anything in the mail, I started to visit a local branch and met with a lady by the name of XXXX. Every time I have gone into the bank XXXX attempts to help me, but she has to call the " back office. '' Each time the back office will say they will resend me the check. I have also requested my bank statements, only received one statement. I requested a copy of the check that was issued to close the account. I wanted to see who the check was written to, I have yet to receive a copy of the check that was issued. During my last visit, XX/XX/XXXX, I met with the manager XXXX, and he told me that he was having the check reissued for {$18000.00}, and that I would receive it within XXXX. I asked him where the funds were, and he said they were sitting in an account that Capital One has to hold " these '' types of funds. It has been almost a year and now I am reaching out trying to get help because Capital One has no right to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
On XX/XX/2024 I submitted a dispute through Experian.com for credit reporting by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ) ' for an account in collections for original creditor 'XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the Experian online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a XXXX XXXX XXXX  Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX  that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.

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 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: OH

Complaint narrative:
This is in response to complaint XXXX Grain has finally updated my payment information however, late reporting is still showing. I was told in XXXX it would be updated XX/XX/1924, as that is around the time their systems send reporting. All late reports need to be removed. This has been an ongoing issue for XXXX year. They alleged I did not reply in XXXX / XXXX which is untrue. I can send a full thread of emails if necessary. Grain also lied and said they did not delete my prior checking acct information however, I sent them an email confirming their agent removed it. This has happened TWICE now. This company has gotten away with shady business practices for years. I am not the first to make this sort of complaint. The XXXX  is full of complaints with identical issues. They did not respond to the XXXX  in regards to my concerns with them or the Attorney General. I was told by someone in the XXXX that they are looking to other complaints of this nature as this could be an even bigger issue. I am hoping they are right. ALL late reporting needs to be updated ASAP. I need instracycle update. My credit was destroyed because of them and I have spent countless hours trying to resolve this. They have provided false information to the credit reporting agencies knowing they had system issues for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I didnt receive proper notificationof the collection, I didnt have opportunity to dispute this account, I didnt receive letter or and option to respond to this account if Exeter finance sent my a letter can Exeter Finance please send proof of the letter signed via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I got a call on XX/XX/2024 from XXXX XXXX about a vehicle that i did not try to purchase. so i took a look at my credit inquires and i see quite a few on there that i did not authorize. including this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is listed on my credit report as owing XXXX. I have XXXX XXXX XXXX and before that XXXX. This account does not belong to me. Also, this same collection was on my report several years ago and was removed. It has been reinserted under another collection 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 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dealing with Home Depot 's credit card customer service through Citibank has been nothing short of a nightmare. They lowered the credit line and the card was lost and used fraudulently. Now I am over my credit line and this is causing my XXXX XXXX to take a negative hit and affecting my everyday life. I want this account closed immediately and I want Home Depot Credit services to never contact me again. Only communication in writing. Close this account immediately and I will be getting legal involved to get this removed from my credit reports

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A capital one credit card was opened that Im not aware of

Company response to consumer: Closed with explanation