vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/XXXX 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 2024-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
i went to a dealership in ford XXXX at XXXX  florida zip code XXXX to check my car and the sales man told me that he need my info just to pre qualify me without running my credit and after a day i found out they run my credit many times without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I paid my car loan off in full on XX/XX/XXXX in the amount of XXXX. But it says Im still in debt and idk why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello, I am a XXXX XXXX XXXX XXXX  in XXXX NC. I use XXXX ads to advertise my home listings. On XX/XX/year> my XXXX ads manager account was compromised. First they changed my daily spending limit to {$5000.00}. Then the fraudsters created a T Shirt ad for their product to sell. They attempted to charge my credit cards on file 125 times of which 34 transactions were charged for a total of {$21000.00} on XXXX different Mastercard 's that are on file in my XXXX ads manager account. One was a Barclays Mastercard account ending in XXXX and the other was a XXXX Mastercard ending in XXXX. There was also one charge to my XXXX account. Total charges were Barclays Mastercard- {$18000.00} XXXX Mastercard- {$3600.00} and XXXX- {$230.00}. XXXX and XXXX both deemed the charges fraudulent and refunded the charges back to my account. 

Barclays Mastercard refuses to refund {$18000.00}. There 5 internal investigations " determined that the charges were valid based on a previous purchase history with the merchant '' ( XXXX ). 

In the attachments I have emails from XXXX support who ran there own investigation and concluded that my account was compromised. XXXX also states in the email ... '' We've refunded all the fraudulent purchases back to the original source where the charges are taken out so you need to talk to your credit card provider '' XXXX only refunded 1 charge for {$170.00} back to the Barclays Mastercard account. 

After more than 14 months later neither Barclays nor XXXX has resolved this issue and refunded the fraudulent charges of {$17000.00}. I am making monthly payments on the Barclays card with very high interest rates, By paying the minimum amount it will take me 29 years for a total of {$55000.00}. 

Attached I am providing .... 

XXXX ) XXXX ( XXXX ) Charges that were paid by my credit cards. 
XXXX ) XXXX XXXX emails confirming my account was compromised and the charges would be refunded. 
XXXX ) Barclays 5 different investigations results letters. 
XXXX ) Police Report In conclusion .... I also know of 2 other people in my town who have had the exact same situation happen with XXXX and their credit card company. XXXX person who happens to be my boss was able to get the charges resolved through a complaint with the CFPB.

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 2024-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
The company Healthcare Finance Direct started to send threatening emails about two months ago asking from money for a product I never received and with a company that went bankrupt. I filled out a claim with consumer finance ( XXXX ) and the company answered on XX/XX/XXXX saying they were going to stop communications and close my account. That never happened, I received two letters this past week to my house with the company threatening to send my information to an outside collections agency again. This is beyond frustrating and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. It reported one late payment on an account that was in fact paid on time. According to 15 U.S. Code 1681 e ( b ), by law, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The XXXX XXXX XXXX account is reporting late in XX/XX/year>. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. It reported one late payment on an account that was in fact paid on time. According to 15 U.S. Code 1681 e ( b ), by law, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The XXXX XXXX XXXX account is reporting late in XX/XX/year>. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I am submitting this complaint because I am the recipient of a Vanilla Gift card in the amount of {$100.00} the original card number ended in XXXX. When I went to use the card the card did not work so I called the customer service number. I was advised that I was the victim of a fraud and that the funds were depleted and would be added back to the card. The {$100.00} was added to the card but it was still bot able to be used so I called again and was advised that they will send a replacement card for my case # XXXX which would come in : -5 days by XXXX but they refused to provide a tracking #. 
I did not recieved the card after 8 days so called and they said they would send another card again by XXXX again within 3-5 days and again no tracking info. The card was FINALLY recieved yesterday XX/XX/XXXX and when I called to active it the recording says they removed the {$100.00} on XX/XX/XXXX. I called AGAIN and now Im told that they need to send it to the back office and they added the {$100.00} to wait 24hrs or 48 the most. I called the card today and still a XXXX balance. Now they say I need to send in my ID and our personal information to add the {$190.00} because they dont knownid the card was actually purchased which is a LIE. 
According to their own customer service agent AND online portal it shows EXACTLY when the {$100.00} was added. In the LEGAL BINDING CARDHOLDER AGREEMENT that they bind you to, it says NOTHING of the sort to provide such personal information for a replacement card. The company is ONLY LEGALLY allowed to ask for this IF it were part of our contract which it is NOT and they ADMIT this. I come to find that there is a MAJOR class action lawsuit against Vanilla gift card for this VERY REASON they are SCAMMING people! 
If they did not believe the card was paid for they would not have agreed to send not one but TWO replacement cards with the {$100.00} plus load the {$100.00} back onto the original al card in the beginning, I want my {$100.00} loaded onto the card that I am LEGALLY entitled to and I am asking your associate in having the company honor their own contract and card holder agreement and give me back my {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-04-27 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I lost my job and I am a XXXX XXXX. I got a title loan not knowing the actual terms because I was just told I was approved and to sign. Over a year and a half later.. I have paid over {$20000.00} on loan and still owe them half of that? I called the local branch and asked if they would settle because I could t afford to pay the monthly requested amount that was going just towards interest, the lady at this branch said she would request to see if she could get the car settled with a certain amount and if so she will let me know. Fast forward 4 months later I asked her again after being harassed every month if I could please settle and she then informed me that the settlement was approved back in XXXX but I was never told?? So again I asked in XXXX if they will please settle, so I called several times to ask if they would let me settle and she tells me their systems at Titlemax was being updated so she didn't know? Then here is XXXX and the day my payment is due they tell me Owe your settlement went through and you owe {$2500.00} today and then {$2500.00} next month for it to be settled? The day the payment is due she tells me this.. so I am trying to settle again with them and finally called corporate office and they never knew about a settlement because the store never reported it and I never received anything in written?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 explanation
Consumer complaint received 2024-04-27 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 2024-04-27 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I did an online order from Best Buy and never received the product. They said a delivery person delivered it and had a picture of it on my porch. I never got a confirmation from them so I wasnt looking for it. A couple days later I realized I never received the order and called them to confirm that I never received it but they keep insisting I did. They said I still have to pay for it and have the police find it.

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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Consistently, I meet my payment deadlines without fail. What puzzles me is why this particular company occasionally marks me as late, a situation that should not arise. As per USC 1666b, any billing discrepancy ought to be rectified, failing which they will owe me {$1000.00} for each account with erroneous reporting.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Opp Loans via XXXXXXXX XXXX  continue to report a past due balance on an account that has been closed, disputed, sent to collection then disputed in court where the creditor and their collection company were not able to correctly support the alleged debt owed and therefore agreed to drop the case and end all collection efforts and delete all reported information. Opp LoansXXXXXXXX XXXX are failing to uphold the agreed upon settlement that was worked out between my attorney and theirs- the collection companys attorney on behalf of the creditor. I request all data be removed from my credit reports as it relates to the falsely alleged debt as agreed upon in court. Signed documentation is available to support this claim and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My phone and wallet were stolen and I reported this to my bank, Huntington, as soon as it happened. The thieves got into my online Huntington account and transferred {$3100.00} to themselves over 7 transactions through XXXX XXXX and XXXX transfers. I disputed all these transactions and their investigation determined these were valid transactions because they happened on my device even though I called Huntington and told them the phone was stolen as soon as I realized it was gone.

Company response to consumer: Closed with explanation