vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: VA

Complaint narrative:
The laws established by XXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXXdentity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
As of XX/XX/XXXX, I received a letter stating that the " federal court issued a stay preventing the XXXX from operating the XXXX plan. As a result, XXXX directed MOHELA to put your account into forbearance. While you are in forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in forbearance. '' I have been in the XXXX program since prior to this letter. On XX/XX/XXXX, I received written communication from MOHELA that " interest continues to accrue on your loans during the forbearance period. '' I attempted to call MOHELA to figure out why this is the case, because there is still a court order stating that interest is not to be accrued. I called the number on the letter on XXXX at XXXX ( XXXX ), with the automated service they could not find my account number ( which is written on my letters ) or my social security number, I entered them both multiple times. I eventually was able to reach someone, who asked that I call back and select a different option for " direct loans. '' I called back, again the account and SSN were unable to be found, and the options were now different. I hung up, called back again, now the options enabled me to reach the " direct loans '' line, but I pressed the corresponding number and the line would not even allow me to select any option now. So I hung up again, called back, still my SSN and account number could not be found, now it says the wait time is over XXXX hour, I tried to dial XXXX to connect to someone and it transferred the line to Spanish. I hung up, called again so I could understand what was being spoken, and after an introduction heard only a dial tone. I called back XXXX more times after this, first was able to input my phone number for a call back, but then could not confirm it and was sent back to the initial message. On the final call, I didn't have the option to put my phone number in and hit XXXX, the automated message said I'll receive a call back, goodbye. 
I can not reach anyone, and am getting misinformation from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. A copy of the original contract or agreement that demonstrates my obligation to pay this debt. 
XXXX. A complete payment history of the debt, including any fees added. 
XXXX. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

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 ) ( XXXX  ) 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 2024-12-09 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I applied for, and was approved for an American Express Platinum card in XXXX of 2024. A signup bonus of XXXX points was advertised for meeting the spending limits for this card, which I subsequently met. However, I never received this bonus. When speaking to American Express, they mentioned that their terms and conditions explain that not everyone is eligible to receive the bonus- which I understand. However, they also claim that applicants will be notified prior to submitting their final request for the card if they are not eligible for this bonus for whatever reason. American Express claims that I was shown a notice saying I was ineligible, but I was not. At the very least, there should be some sort of record of this denial that I might be able to review - an email, a notice in my account, etc. Had I known I was ineligible for the bonus, I would have never spent months meeting the spending requirements or paid the {$690.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: MA

Complaint narrative:
This business is doing unethical business practices I had suspected this based on my experience alone. And come to find out there are many others experiencing the same thing. This company is predatory as are most other car businesses. We have a problem that needs to be addressed, there has been a lot of surges Ive noticed with car rentals this also correlates to the gig economy as it is a known fact some of these companies allow you to rent with them thru XXXX XXXX XXXX. I can go deeper down the rabbit hole but this is about this company and their hand in the financial squeeze. Another can of worms just waiting to be opened up. This company has been overcharging me and has been using predatory tactics to upsell me each and every time Ive had to rent with them for travel. Once I had figured out their predatory tactics I found a way to get lower rates and strange things started happening. Im showing up to the location and they only have luxury vehicles available at first they agree to keep me at the same rate as I was quoted as part of their policy for executive elite members. At the 30 day mark when its time to return or extend things change, theres nothing available they know Im traveling and Im in need of a vehicle for travel and they would have nothing else available forcing me to stay with the same car at a higher premium. If you try to book and extend day by day the rates are even more volatile and are subject to go from {$100.00} to {$120.00} a day out of nowhere. And on top of that they were using tactics to secretly steal my deposit without my consent times where XXXX expecting my deposit to come back they surprise me with Oh it appears it has already been used to extend for another day telling me some predatory bs about how the system calculates the charges at day of return or extension. I had submitted a dispute with my card company and they made an investigation there is no balance due in my statement then and none due in my statement now even close to the alleged debt they say I owe. Since then this company has been harassing me threatening me with debt collectors when my card company had already investigated the charges and it made their determination there is nothing due in my current statement with the card company. I dont know what debt they are referring to it is not mine and they need to stop harassing me. If theres an issue they need to contact the card company and do their due diligence as I have.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added.

5. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I know I make my payments on time, so its confusing why this company is marking me late. Per USC 1666b, billing errors need to be corrected, and my account should reflect " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added. 
5. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I havent gave anyone permission to run my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX applied to anything this year Ive reached out to credit bureaus never get an answerr I want and need these things removed from my credit report please and thank you. 



Also I have an late payment stuck on my credit I wonder if you guys can help Ive reached out to the credit union for an pay to delete delete still hasnt heard anything back

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 2024-12-09 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: TX

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
At some point in XXXX i opened an account with Juno via the XXXX XXXX XXXX. The reason I did so was they advertised 5 % interest and being FDIC insured. Everything ran smooth until XX/XX/XXXX when my funds were locked for some unknown reason. Per Juno, they said the reason was due to bankruptcy with synapse brokerage whom they contracted with to hold our funds. Per Juno, they stated that synapse placed my funds with evolve bank and trust and to reach out to them to resolve the issue. I was under the impression I would be getting my funds from evolve between XXXX and XX/XX/XXXX but I only got a small portion. per evolve I just needed to submit a dispute as a work around due to some issue they had. I did that and got a letter in XX/XX/XXXX stating that evolve only held a small portion of the full balance I had with Juno and at this point I am still without basically all my money I had deposited with Juno.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I have requested proof that the car has been repossessed so that I can give it to the Louisiana DMV because I dropped the car insurance and Toyota is refusing ho provide any paperwork to me its been almost 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inaccuracy on my file is weighing down on me and my credit score is just as low on the ground.

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