vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: MD

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 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 has violated my rights, under law 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 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 2023-11-29 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: MD

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 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  has violated my rights, under law 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 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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
Subject : Consumer Complaint - XXXX XXXX XXXX XXXX XXXX. 

Dear Team, I am writing to file a consumer complaint regarding a recent transaction with XXXX XXXX XXXX XXXX XXXX, a company located at XXXX XXXX XXXX, XXXX, CA XXXX. 

I placed an order for an XXXX  part with XXXX XXXX XXXX XXXX XXXX, for which I paid {$1500.00}. However, after XXXX weeks, I was informed that the item could not be sold at the initially agreed-upon price, and the company demanded an additional {$3000.00}. I declined to proceed with the purchase and requested a refund of the original amount paid. 

The company stated that they could only issue a refund via check, as opposed to a bank transfer or credit card refund. Despite this assurance, I have not received the promised check, and the company has ceased responding to my emails. This situation has left me concerned that I may be a victim of fraudulent practices.

Below are the details of the transaction : Company : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX, CA XXXX Product : XXXX  part Initial Payment : {$1500.00} Requested Additional Payment : {$3000.00} Refund Method : Promised by check I believe that the company 's actions constitute deceptive business practices and a breach of our transaction agreement. The failure to provide the agreed-upon refund and the lack of communication raise significant concerns about the legitimacy of their business practices. 

I kindly request that the Federal Trade Commission investigate this matter and take appropriate action to ensure consumer protection. I have attached relevant documentation, including proof of payment and correspondence with the company, for your reference. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American First Finance, Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX  I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with XXXX. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-29 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:
In accordance with the Fair Credit Reporting Act, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character. 

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries. Please understand that this isn't merely a correction but a demand for their complete removal. I have lodged disputes regarding this issue multiple times, and it is imperative that you eliminate these erroneous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries. Please understand that this isn't merely a correction but a demand for their complete removal. I have lodged disputes regarding this issue multiple times, and it is imperative that you eliminate these erroneous 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 non-monetary relief
Consumer complaint received 2023-11-29 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: MD

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 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 has violated my rights, under law 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 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 2023-11-29 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: MOHELA
State: MO

Complaint narrative:
I applied for an income-driven repayment plan ( XXXX, now the XXXX plan ) in XX/XX/XXXX, received approval, and that repayment plan was assigned to all of my loans. Then, several months ago, my loans were transferred from XXXX to Mohela, and my IDR was only applied to half of my loans, with the other half set up with the traditional payment plan. I contacted customer support on XX/XX/XXXX ( which was an incredibly frustrating and time-consuming experience ) and was told I had to reapply for the XXXX plan, which I did over the phone even though my repayment plan shouldnt have changed when my loans were transferred, per information on the Department of Education XXXX XXXX I was told I would receive a response to the application within 14 days. I again inquired as to why I had to reapply for my repayment plan of choice, and I was transferred to a different representative who stated they revert all loans to the traditional plan following loan servicer transfer to give borrowers the option to choose a different plan. Again, this is not the way loan servicer transfers should be handled per the DOEd. As of today, I have received no response regarding my repeat application for the XXXX ( formerly REPAYE ) plan but have received a bill for {$2300.00} due on XX/XX/XXXX. This is more than my monthly income, and I cant afford to pay it ( which is why I applied for the XXXX plan ). I need the correct repayment plan set up for my account and am unable to get Mohela to correct this error. Now I have to decide whether to overdraw my account or be delinquent on my loans. Mismanagement of student loans to this extent should be criminal, and there needs to be a formal investigation into Mohela business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America illegally withheld rightfully earned rewards on XXXX of the credit cards I have with them. They did not allow me to redeem rewards where the transactions were completed successfully and shown on my statement. Instead bank of American decided that I was a risk and closed my accounts. I have been with them for more than 5 years with the same activity throughout those years. Bank of America not paying rewards to customers who have rightfully earned them is illegal. Bank of America has been penalized before for wrong doings like this and it seems they just keep on repeating said violations. XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

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 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Yes I was shocked when I called a company I had gotten a card from the be of the bank is comenity capital which is a part of big lots stores credit cards. I was asking them about my interest rates on a purchase and the agent said when I purchased a soda drink even though it was ( XXXX and some cents they charged me a XXXX interest rates on that XXXX item purchased for XXXX ) so I told him that's cheating and thief charging a ( XXXX interest rate when I just purchase a XXXX drink and he said that's how they do it and I told him that's a crime and fraud ) and after the criminal conversation I told him I can not have a card cheating and committing such criminal acts and fraud ) so I told him to close the account. Afterwards they send me a letter because I closed the account stating since I closed the account they will charge me a extra XXXX and some cents higher interest rates. And I contacted thier higher offices and told them I had to close the account because nobody told me if I purchase a soda or any other snacks at such a low price I will be charged ( XXXX and some cents charge for a XXXX or XXXX purchase then a XXXX and some cents interest rates on every purchase!!! That thief and fraud and robbing me and other card holders but the XXXX I'm the head offices still added a ( XXXX and interest rate after I told them what on XXXX XXXX and our loving father XXXX earth are they doing! Anyone would close such a fraudlet card. Tricking me and others into such a fraud and thief deals. They took the interest higher even though they are doing the stealing robbing cheating and fraud. Which Is a federal offence. Even though I was mislead about how they did interest rates. This is illegal and a crime and refused to lower it. Be blessed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I contacted XXXX and Equifax to remove the free trial they wouldn't do it, told me if I didn't pay the XXXX my credit file will remain closed and locked, if this is legal tell me how to go about moving to another country cause this by far is against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been solicited for the Amazon visa credit card multiple times. Today, I filled out the pre qualification form, and although I was pre qualified, decided I didn't want another credit card so never followed through by submitting the application. Within 10 seconds, ALTHOUGH I DID NOT APPLY, I received a notification indicating I was not approved. 

That means there's a hard pull on my credit reports which will lower my score just when I'm trying to rebuild my credit. 

I don't understand how this could happen ; perhaps a technical glitch in Chase Banks system? 

In any case, I can't reach anyone on the phone but am filing a formal notice of appeal to have this hard pull removed. 

Although I dislike having to say this again, but I did not submit an application for their Amazon credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX 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 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
When a lender runs a credit report medical collections are supposed to come up as medical data furnishing but not include any of the personal information such as social security number or original bill collector. I was XXXX XXXX XXXX  for 2 months fighting for my life in 2020 that's where these bills came from. XXXX XXXX it says that and all of my personal information. When it does that those collections have to be removed. It is illegal to disclose personal information. It's only supposed to say medical data furnishing. I can't get a mortgage or buy a car because of something that happened without my knowledge because I was XXXX XXXX XXXX fighting for my life. This is illegal and needs to be removed. I hav contacted a lawyer and this has to be removed. If it is not I will be taking further legal action

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 2023-11-29 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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