vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I was sent a bill of collections from American water that my ex husband changed into my name when I had created my own account. This is my ex husbands debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
A friend of mine repaid the {$2000.00} I loaned him through Western Union from XXXX. I live in the XXXX. When I went to pick it up at the local Western Union agent, they gave me {$500.00} in cash and issued the remaining {$1500.00} as three money orders of {$500.00} each, since that was the only option available at the time. The money orders were issued on XX/XX/XXXX. 

On XX/XX/XXXX, I deposited the three money orders totaling {$1500.00} into my XXXX  XXXX XXXX account. However, on XX/XX/XXXX, the bank deducted the money from my account and sent me a letter stating the money orders were returned unpaid with a note saying, " refer to maker. '' After multiple attempts, I finally got in touch with a Western Union customer service representative over the phone. He informed me that I needed to fill out a form and pay {$15.00} per check to resolve the issue, even though the money wasn't cashed. I protested this charge, arguing that I shouldn't have to pay {$45.00} and go through a lengthy process for their mistake. All I did was deposit the checks, which were then returned unpaid. 

I asked to speak with a manager. The representative put me on hold, and when he returned, he asked for my address and legal name, assuring me that a new check would be sent to my address within three weeks. However, I never received the checks. 

I called back and was told by another agent to send a copy of the bank letter and the receipt for the money orders to XXXX, which I did on XX/XX/XXXX. Since then, I haven't heard anything from Western Union. I haven't even received an acknowledgment email confirming they received my documents or information on what to expect next.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I want to remove all closes out accounts from all three credit barrels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: MA

Complaint narrative:
I want to remove all closes out accounts from all three credit barrels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 non-monetary relief
Consumer complaint received 2024-07-17 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and am disappointed that XXXX has not removed the disputed account. As a victim of identity theft, I filed a report on XX/XX/year>. The XXXX account ( Account # XXXX ) is unauthorized and results from identity theft. Despite providing sufficient documentation, this account remains on my report. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, states that a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving proof.

I urge you to remove this fraudulent account from my consumer report immediately and ensure compliance with federal law. I have provided all necessary documentation, including police reports and affidavits, proving my identity theft case. This unauthorized account continues to harm my 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Requested a statement I hopes I could understand my charges, balances and interest. I did not receive the statement until I started receiving harassing call from their associates. Once I started receiving their statements I accumulated, {$41.00} in late plus interest of {$670.00} for a credit limit of {$5000.00}. This doesn't count the payment I made prior to receiving my last statements. The deceiving and confusing methods this bank uses are very concerning and questionable.

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 2024-07-17 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I do not recognize this information. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have called Citi customer service to close my credit account and the agents push back repeatedly and will not process the closure. They then say they have to send me an email where I must click a link before closing the account. The email 's link does not work and they say that's the only way they can process a closure. I asked to speak to a supervisor and was hung up on. I have never experienced this kind of behavior from any credit card company when attempting to close an account.

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 2024-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent in an XXXX XXXX XXXX application to have my loans forgiven, being the federal student loans for XXXX XXXX were forgiven. I sent in the application and receive as response saying it was denied. I asked the reason why and they stated : " Each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. While we understand why this matter is important to you, our analysis is confidential and proprietary. '' So basically, we don't have a reason why you were denied, but you're denied. 

I sent the application to them on XX/XX/year>. I owe a balance of approximately $ XXXX. They have me in an " interest only '' program, which also makes no sense. I've asked for another program where I can pay on the principal, but was told they have nothing else I could apply for and if I wanted to get out of the program I would need to refinance this loan with another banking institution. 

I'm not understanding why these loans can not be discharged, being the government has released me and I've given you PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
Intent to sue : I have disputed multiple times and will attach proof that I have contacted them. They still have not removed the XXXX account and they put back on the XXXXXXXX XXXX account. Both of these accounts are due to identity theft. These need to be removed immediately off my credit report. This will be the last time contacting them about this. Next time they will have a lawsuit for not following the law.

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 2024-07-17 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: CA

Complaint narrative:
Intent to sue : I have disputed multiple times and will attach proof that I have contacted them. They still have not removed the discover account and they put back on the XXXX XXXX  account. Both of these accounts are due to identity theft. These need to be removed immediately off my credit report. This will be the last time contacting them about this. Next time they will have a lawsuit for not following the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My loan was at XXXX XXXX who sent me a letter in XXXX stating that my loan modification package was FULLY COMPLETE and received. 
XXXX XXXX took over processing of XXXX XXXX They are XXXX and the same. XXXX XXXX also sent me a letter on XXXX XXXX 2024 that they received my documents. 

I call today since I have NOT HEARD ANYTHING from this lender, and am told by XXXX that I am denied on XX/XX/year> for not sending in a mortgage assistance application THOUGH I have XXXX letters from the lenders ( they are the same ) both confirming receipt of my package. 

I have never received any letters from XXXX  stating I need any more documents and any normal person would assume after receiving XXXX letters from the lenders stating they have the loan modificaiton packages that I would receive an answer NOT THEY DO NOT HAVE MY APPLICATION Furthermore, I am irate and DO NOT want to reapply, I want them to FIND their paperwoerk in their mess

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I haven't tried to fix this with Navient because if you try to talk to them, they just bully. I recently consolidated my loans with a different servicer ( after having so many problems with both Navient and a different servicer ). ALL money owed was supposed to be disclosed to my new servicer so that I could have everything consolidated. Navient didn't do this. They waited till just after the consolidation was complete then claimed I owed them more money. I do believe what they did is illegal ( I'm not XXXX percent sure ). They even had made an adjustment, with them, for how much was owed. Obviously they didn't disclose everything. I want this money they are claiming I owe to either be worked out with my new servicer so that I may pay them ( and not Navient ) or the money forgiven since it wasn't important enough to be included with my original student loan balance ( XXXX  dollars out of over XXXX  thousand ). Navient is doing anything to collect on money at this point including breaking laws. This is the XXXX  complaint I've had to submit this year for Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief