vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # 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 DATE XX/XX/2018

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # 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 DATE XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2020 we hired a company to purchase and install blinds throughout a new home purchased. The XXXX company didn't finish the job and what they did provide was seriously unacceptable. We tried to contact them many many times with no response. 
We began to get collection bills in the amount of {$5000.00}. When we called the collection company we were getting no response. We'd call and be left on hold for over an hour. 
When we finally got through and explained the problems we had they said they would research. Never got any resolution and found out the XXXX company had gone out of business. When we went to refinance our mortgage we found out the collection agency had filed against us with the credit agencies. I had perfect credit even through Covid-19 I continued to work and was then denied because of this charge from that collection agency. Filed a complaint with all the credit agencies and they said they would check out the issues. Never heard back and then they said all would go away if I just paid the {$5000.00}. I tried to be reasonable but why should I pay for defective and missing product. I am trying to refinance my mortgage in order to buy a a new business and home. I am trying to move on from the terrible position the Covid-19 left all of us in this Country in. This is just not fair. How can we help move this Country on if these collection agencies and mortgage companies just don't care.

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 2022-07-24 00:00:00
Product: Credit card or prepaid 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: Self Financial Inc.
State: AR

Complaint narrative:
My purse was lost at the airport. I called Self credit card company to report my card lost. They reported the card lost and told me the card had been used so I filed a dispute. They refunded my money and about a month later they posted the charges back to my account. I'm not paying for something I never ordered nor received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My husband and I had a lease with XXXX from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. XXXX started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. XXXX fixed the errors on all the Reports except for my Transunion where it is still Collection/Chargeoff and is hurting my credit dearly.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  XXXX lost the payoff check and marked me 30 days late for two consecutive months. XXXX and XXXX of XXXX. The dealer has record of the check being cashed in XXXX. I sold it to them ( XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, mi ) on XX/XX/XXXX. I lost over XXXX points and XXXX XXXX now just disconnects me whenever I try to call and get it rectified. I've tried more than 10 times which is completely rediculous. How can a company mark you late after they receive a payoff. This a blatent abuse of power and gross display of ignorance on their behalf to not even acknowledge that they made huge mistakes throughout the process.

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 2022-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This company is attempting to collect a disputed debt that is presently being investigated by the XXXX Atty General and several other entities. This is related to a Navient XXXX loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to Navient continuing collection calls, they have turned this disputed account over to XXXX XXXX XXXX in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 an account without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 an account without my written authorization.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inaccuracy not being updated, reporting my full s.s. number and violating my right to privacy. There should be a signed letter by me stated it's ok to share my 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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Inaccuracy not being updated, reporting my full s.s. number and violating my right to privacy. There should be a signed letter by me stated it's ok to share my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
A debt collector contacted me for a debt from credit card companies that I do not owe due to identity theft and I told them do not contact me anymore for this debt. This debt company decided to be more resilient by contacting and sending someone to my place of work with no success. They also came to my home knocking at my door several times when I was not home and then ask my neighbor if she can signed a paper on my behalf since I was not home. My neighbor refused and notified me by phone. This is a violation and trespassing at my home and place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Current failed to honor their published offer of {$50.00} referral bonus to the referee and referred. I opened a checking account XX/XX/XXXX and received a {$50.00} referral bonus XX/XX/XXXX after meeting the requirement of receiving a {$200.00} direct deposit XX/XX/XXXX. The same week, I referred my daughter XXXX XXXX XXXX ) and fianc ' ( XXXX XXXX ) and assisted them both with the account set up to ensure my referral link was captured in the application process and their direct deposit requirement were met by XX/XX/XXXX After more than 4 weeks of neither of us receiving the {$50.00} referral bonus, i contacted Current to inquire via chat as they are an online bank, and after providing my referral names and details, I was told by a customer service rep, my account reflected the referrals btu she could not resolve without chatting directly with my 2 referrals to verify direct deposits. I then, while in that chat, had my daughter initiate a chat and spoke with someone who confirmed we were to receive {$50.00} bonus but we needed to give more time for processing. 

About 3 weeks later, after still not receiving bonus, in early XXXX, I contacted Current again and was told that they could not help without speaking to my daughter. Frustrated with their failure to resolve, I requested a member of management and provide name SSN and birthdates of my referrals and it was confirmed the direct deposits were received and an investigation was submitted with someone to respond to me within 48hrs, A couple days later, I received a short message from someone claiming to be a manager advising, contrary to what we'd been told by previous reps, the referral would not be paid because my referral link was not used during their account opening. I knew with all surety this was not true as i was apart of the set up process ... .and to test my theory of their deceitful practices, I then referred one more person ( A. XXXX XXXX XXXX and again assisted her with account set to ensure referral link was used. Her direct deposit was received XX/XX/XXXX and I emailed the responding manager, to advise that I referred a 3rd person and had not received bonus and suggested they investigate a possible system glitch/error. Without soliciting the name or other details for the 3rd referral to verify my assertion, she responded that we were not eligible for the bonus as the referral link was not used. This company is deceitful in their practices and did not honor the {$150.00} due to me for 3 referrals, nor the {$50.00} to each referred. If not resolved, we will all be closing our accounts and referring no one else to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I got wiped out as did XXXX XXXX others in the crash of XXXX. I couldnt pay my bills and received collections, judgements and a littany of other negative things that effected my credit for quite sometime. Most of my creditors after around the 4 year mark started to voluntarliy remove the judgements and collections. They said they had received TARP funds and it was not fair they had been made whole in their losses and to continue to prosecute me financially. XXXX in a word. I just received a civil summons from Citibank for a prior judgment that I had received that was in XX/XX/XXXX for {$6300.00} and its now up to {$8500.00}. They are suing me again to extend this Judgement for another 10 years. This is weird as I have not been able to verify within Citibank ANYONE who knows anything about this. I sat on the phone half the day Friday after being served and part of Saturday and no one knows anything about this claim-no XXXX. A XXXX XXXX signed on behalf on Citibank. THE CFPB found Citi guilty of several issues with credit card sales and misreprenting interest rates to people in XXXX for periods between XXXX XXXX. I have looked at that settlement and CFPB ordered Citi to quit collection attempts for people during those years and I was also promised a rate that I did not recieve. I would like the paperwork for my orginal application showing my original rate and program parameters. I would also ask they honor the agreement they entered into when CFPB which found them guilty of what they are doing now. IF this is correct I am appaulded that they would attempt to continue to make people pay for things that happened from XXXX. All the other large banks I was dealing with - XXXX, XXXX XXXX, XXXX XXXX XXXX etc forgave the remaining outstanding collection/judgement because they recieved TARP funds. Citi received {$45.00} XXXX in TARP and the government agreed to protect losses on nearly {$300.00} XXXX in risky investments. They only paid back {$20.00} XXXX. Would love to have that kind of golden parachute, I think the most ludicrious part of this is " agreed to protect losses on nearly {$300.00} XXXX in risky investments ''. But yet they are trying to illegally collect 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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had a loan through XXXX XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and XXXX is listed negatively. The loan has been satisfied and I have been in constant communication with XXXX XXXX XXXX I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, 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 with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, and the XXXXXXXX XXXX  Account XXXX have 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation