vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE REPORTING COMPANY WRITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED.

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 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
The original debt was with XXXX XXXX. The debt was then sold to Fidelity Creditor Services. I have been trying to remove this fraudulent debt from my credit report for years now and they have not been helpful whatsoever. My identity was compromised in 2014 which resulted to a lot of fraud under my name. Because if the trauma that has happened with my name and my credit, I decided to make XXXX videos talking about credit. Because I have made these videos public, Fidelity Creditor Services will NOT remove the debt because they feel that I am pretending. They are so unprofessional and have been of no help! There are several complaints online about how unprofessional and cruel they are. There are hundreds of complaints on how Fidelity Creditor Services has made people feel terrible and they have scammed so many others. I am asking for a proof of the original contact along with a copy of the ID because there is NO WAY POSSIBLE that it is my ID that was used to open the account. If they actually pay attention to my dispute they will see that my real ID was never used.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: DISCOVER BANK
State: NV

Complaint narrative:
I previously filed a complaint with discover on a transaction I was trying to dispute for {$100.00}. I never received the agreed upon item from the merchant. I have ample documentation but Discover never asked for documentation nor did they provide me any way to show the documentation for this transaction. 

I, in good faith, attempted to resolve the matter with the merchant and discover several times. Discover even provided documentation that the merchant never responded to their investigation and never sent any proof of the {$100.00} transaction in question. 

I would like this to be resolved and to get my {$100.00} refunded back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: ID

Complaint narrative:
Jefferson capital is trying to collect a debt from XXXX that was paid off over XXXX  years ago. It's ruined my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
The company just responded to my last complaint and failed to address the proper dispute. Dispute # XXXX was the complaint they claim totaled {$340.00} but it really totaled {$370.00} at the time I filed the dispute, but XXXX reversed one of the charges before they approved my dispute for {$340.00}. This was prior to the account closure. However, the dispute I'm referring to and need a check for is Dispute XXXX that totaled {$920.00}. I was told that Factor reversed {$100.00} and I still have not received that check. They said that they found the dispute in my favor but I have not received any of the remaining {$920.00} from the dispute either. There were only XXXX disputes so I'm not understanding the confusion. It's showing a XXXX  disregard for the dispute process and the company willfully refusing to provide the funds from my account that they closed without notice and without my consent. Please, detail both Dispute XXXX and it's resolution detailing all dates and amounts of all transactions ; and Dispute XXXX which was reopened XXXX or XXXX times and now has the name Dispute XXXX and it's resolution detailing the dates and amounts of all included transactions for clarity and to assist you with properly differentiating the XXXX and properly resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HoldCo LLC
State: TX

Complaint narrative:
I was sent money to place into a bitcoin machine for a transfer. I used a Bitcoin Depot machine to transfer {$2000.00} into bitcoin. The machine did take the money and record the transaction ; however, I have been unable to send the bitcoin to my friend. Customer service states, over and over, the money is there in the system. Supposedly, there is a glitch in the system that began with the blockchain being messed up. I have repeatedly called and no one has the ability to give me an update or a completion date for the issue to be corrected. This has gone on for six days. The policy states that when the money is completed into bitcoin, it can not be reversed. I really would like a refund of my {$2000.00} to begin with another company. Bitcoin Depot has XXXXXXXX XXXX XXXX and is completely being unperfessional. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I charged on my XXXX XXXX charge card XXXX On the XXXX I paid XXXX. On XX/XX/XXXX I got a notice through my bank account that there was alate payment showing on my account. Imagine my surprise when I saw I had an " overdue '' payment to XXXX XXXX. I am diligent when it comes to my credit, so I set up the payment immediately, the XXXX XXXX I looked at my account and found out that they had charged me a XXXX cent insurance and had never billed me nor sent an email letting me know that I was " late '' The payment I made just disappeared as they charged me with a " late payment '' of the total I had paid already PLUS late fees, interest more insurance, late fees, etc.. until the total is now {$82.00} and my credit score has gone down almost XXXX points. Also, never once received a bill- this is normal because I don't owe them anything. TODAY after trying to get this fixed for XXXX days, XXXX and behold a bill arrives! How does a XXXX insurance become a XXXX late fee and keep getting added onto until it is a crazy amount of {$82.00}? 
They owe me everything, but the XXXX cent insurance back and they need to correct my credit report ASAP! 
To top it off, in the past i have overpaid my card by less than a XXXX  twice and they have XXXX  it out on my bill no credit nor returned by check. I quit overpaying because they just kept the difference! I could not go back and use that amount. Another time I made a much larger payment than I had to but got a late fee because it was a day BEFORE their XXXX window for monthly payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Two times in the past 12 months XXXX, subserviced by Mr. cooper has misapplied my mortgage payment as an additional payment for principal. Additionally I tried calling the company but they are very difficult if not impossible to connect with. Their website has incorrect phone numbers and then when you do finally connect with the correct phone number you get into an automated system which does not work- it is impossible to connect with a service representative. Additionally, their voice recognition software is wholly inadequate - it does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: MI

Complaint narrative:
I noticed my information was compromised including my ID, social security card info and my credit in XXXX of 2023. I ordered my credit report and noticed two XXXX XXXX accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to XXXX XXXX and they are refusing to remove the fraudulent accounts. 

XXXX XXXX : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) NELNET IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because of Bank of Americas ( BOA ) Denial and failure to further investigate multiple claim ( unauthorized transactions ) attempts through XXXX XXXX XXXX and Department and BOA. I have been proactive in assisting with information regarding the victimization that led to my money being stolen, including but not limited to filing a police report, providing BOA pertinent information when requested, and have always been available to answer questions that might assist in resolving this matter. I have been denied several claims I filed with BOA, and requested the documentation that they used to deny me my rights as a banking consumer. I received a document stating my claim is denied solely of the understanding or assumption I should say that the card was used during the disputed transactions that occurred. How that is possible i don't have the slightest idea. To my knowledge my card was never lost, nor was it misplaced. How that is possible im at a loss. My obligation and responsibility is to assist and provide as much information as i could, and i did. Their obligation is to investigate, and they failed to further do so. Under those provisions they are ultimately holding me liable for unauthorized transactions. They are in violation of the consumer protection act and rules and regulations the stipulate the correct procedures that should have taken place which they failed to do so

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 2024-02-20 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: NC

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.

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: NC

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.

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2024-02-20 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:
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.

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2024-02-20 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: GA

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 2024-02-20 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:
I have received a copy of my consumer report and noticed there is a discrepancy on the report that need to be corrected. 

Please be advised that per 15 USC 1681b, the information that you are furnishing is to be in accordance with the written instructions of the consumer to whom it relates. Enclosed are my identification documents showing that this report is concerning myself and below are my written instructions. 

On my consumer report, XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 

On my consumer report, XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 

On my consumer report, XXXX XXXX XXXX XXXX shows an inquiry dated XX/XX/XXXX. The inquiry dated XX/XX/XXXX is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Transunion is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report. 


DO NOT DELETE ANY OTHER INQUIRIES!!!!!

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 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I have had a loan through XXXX XXXX  in which I have paid over the {$10000.00} borrowed already. Then my account was switched to Ed Financial Services. Since being with Ed Financial I can not find statements of any payment I made to XXXX XXXX before XXXX 2023 and also everything I paid towards the loan while XXXX XXXX held it has been erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I contacted XXXX for a faulty card I purchased. The card will not work to make any purchases even though there was {$500.00} loaded to the card. The representative I spoke with told me a refund check would be mailed to me. I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/XXXX, Venmo suspended my account with false accusations. I provided the proof of identity as requested and after multiple contacts and complaints, Venmo removed the suspension over a {$30.00} payment! Reference CFPB complaint number XXXX. On XX/XX/XXXX, I received {$25.00} and Venmo has suspended my account again for no reason, again demanding proof of identity which was provided AGAIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE REPORTING COMPANY WRITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED.

Company response to consumer: Closed with explanation