vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: U.S. BANCORP
State: TX

Complaint narrative:
I opened the US Cash Back rewards card to use on monthly utilities and other large purchases because of its quarterly 5 % back categories. Through and according to the statement ending XX/XX/XXXX I have only received 5 % back on one purchase from one category. This was one furniture purchase. The recurring monthly utilities, which I have confirmed with their customer support team are accepted in their system correctly, have not yielded the 5 % that I have selected. My account reflect the fact that I have selected the correct category starting in XXXX of this year. See below the following transactions by reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted US bank and am told it takes 3-5 weeks to review and resolve this concern. It has taken nearly 3 months now and when I call for an update and to add to the list, I am told that it is still pending in a review. Credit card companies will be the first people to exact every penny out of you if you miss a payment, but will drag their feet for months to reward good use of their card. I have always paid the balance in full and have yet to receive they advertised and contractually obligated rewards payment.

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 monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year>, while on vacation abroad, I received a phone call from someone alleging to be from Citibank, telling me there was unauthorized activity on my account. I was informed that there was a pending {$5000.00} charge, through XXXX. While I did not provide any information as to passwords, etc, the person in the other side had access to all my account information, including my social security number. When I saw the XXXX removed from my balance, as I was looking at my balance throughout the call, and they began to ask me to make another charge to reverse the payment, I hung up and called Citibank. A dispute was immediately filed. On XX/XX/year>, I received a letter from Citibank informing me that my dispute was denied because their investigation determined that I made the charge myself, which is completely untrue.

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 monetary relief
Consumer complaint received 2024-08-11 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 below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX have violated my rights. 

15 U.S.C. 1681 section 602.A. States I have the right to privacy.

15 U.S.C. 1681 section 602.A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any Comsumer reporting containing the following items 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 ). States a person shall not furnish any information relation to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Experian, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number 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 2024-08-11 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: VA

Complaint narrative:
CFPB, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers.FCRA Impermissible Use Meaning Much of the information in a consumers credit report is sensitive. It should be protected to avoid identity theft and potential embarrassment if the consumer is delinquent on payments or has other debt issues.

There are limited purposes for companies and/or individuals to access your credit report. If you do not specifically give a company written permission, they may not access your credit information. If they do without valid purpose or permission, it is impermissible use. And it is illegal. ( TRANSUNION ) is in Violation of the FCRA. I did not give Oral, Written Consent for there company to disclose XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
History of events : In XX/XX/XXXX, I found out when I was running my credit report for a student loan that a medical bill I thought had been paid by my insurance XXXX  dated XX/XX/XXXX had never actually been billed by XXXX XXXX when I came in for an emergency due to multiple medical billing errors. 

This caused me to be sent to collections not only by XXXX but its contractors radiology associates and XXXX XXXX XXXX XXXX, so a total of three times I was sent to collections for one XXXX  room visit that covered XXXX day. 

In XX/XX/XXXX, I disputed XXXX accounts with XXXX as they were never supposed to be sent to collections in the first place. I also never received a bill or notification by either XXXX XXXX or Wakefield and Associates, the last debt collector I am having issues with still. 

In XX/XX/XXXX I tried to contact the original creditor to set the record straight when I found out XXXX XXXX XXXX XXXX had gone bankrupt when my debt was sent to collections. I have no sure way of contacting XXXX and so far Wakefield and Associates have not provided proof that this is my debt or provided me current information to contact this creditor. I emailed them asking them to validate the debt and all contact information related to the original creditor. 

In XX/XX/XXXX, a XXXX XXXX  billing associate sent the insurance information I provided a second time to the XXXX  to Wakefield and Associates without my knowledge, I'm concerned that this could trash my credit for years, even though it was a medical billing error only. 

As a result of this adverse action taken on my credit report by Wakefield and Associates I've been denied a student loan. Even if it gets resolved, I will most likely have to find an alternate means to get a student loan. The worst case scenario is I won't be able to attend university this semester because of a medical billing error I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
Credit Control , LLC keeps sending me collection notices saying that I owe them {$3600.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Credit Control , LLC keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked XXXX XXXX for a contract with my signature obligating me to this debt which they have not provided. This debt does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/year>2021 my car was broken into and a work phone was taken later that evening I got a notification of XXXX $ being removed from my cash app and sent to an unauthorized and unknown person.This person then tried to drain my bank account with XXXX  XXXX XXXX XXXX. I filed a police report expecting them to find the person who was responsible however they never did. I messaged the person thinking it was a neighbor who may have stolen it, and at the time I was in a very unsafe neighborhood and was surrounded by drug dealers, so on a memo that I sent to the person who took my money I put that they were selling XXXX and I would report them as a way to maybe scare them into sending it back this then became an issue because law enforcement thought this was a XXXX  related crime but it wasnt I was a student who was barely making it taking care of my XXXX grandmother this money was a combination of my student refund and my stimulus check that had been deposited so far 3 years later no one will help from cash app and no one will help in general I lost my apartment because of this and I have been through so many horrible traumatic things over this money disappearing I wish they would help me by giving my money back because this was truly an unauthorized transaction that was the result of a crime and fraudulent payment. The company then cancelled my cash app card because I tried to redispute the charge after talking back and forth for months about this charge they refuse help and cancelled me I dont understand because I always used the service and legitimately did not authorize nor no the person involved..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
Our home loan was initially set up with XXXX Mortgage in XXXX of XXXX. We applied for a loan modification in XXXX of XXXX due to financial hardship. We were approved and were told we would have to call in and make our payments over the phone for three months : XXXX, XXXX, and XXXX of XXXX. We successfully completed all three payments and were told that our new monthly payment would be {$2200.00} due to our successful completion of the trial period. On XX/XX/XXXX our loan was sold to Flagstar Bank. They told us that they never received our payment for the month of XXXX. Weve sent countless documents including bank statements and a payment history from our previous servicer and they will not acknowledge our payment. They also refuse to acknowledge our loan modification agreement even though Ive also sent them all of that paperwork. This has been an ongoing problem. Ive requested it be escalated and still there has been no progress on our case. On XX/XX/XXXX they wouldnt accept our mortgage payment for {$2200.00} because it wasnt the amount of {$2900.00} which we had modified. Please help

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 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
The problem is with credit acceptance corp They they were charging me {$8000.00} over the price of the car. Plus interest on the payments The dealership did not openly disclose this info at time of signing.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a serious issue with my credit report that I have been unable to resolve despite multiple attempts. My credit report contains an incorrect name and address, and there are accounts listed under this incorrect information that do not belong to me. I have only one correct name and one correct address, which I have provided above.

1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The inclusion of incorrect name and address information on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. Under the FCRA, I have the right to dispute inaccurate information, and the credit reporting agencies are required to investigate and correct these errors within 30 days.

2. Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - Address Discrepancy Rules The incorrect information on my credit report also implicates the Fair and Accurate Credit Transactions Act ( FACTA ). The Act requires that any substantial discrepancies in address information be addressed and resolved by the credit reporting agencies. Failure to comply with these provisions can result in significant harm to consumers.

3. Potential Financial Compensation for Violations Under the FCRA, if the credit reporting agencies fail to correct these errors or continue to report inaccurate information, I may be entitled to monetary compensation. Specifically : Actual Damages : I may recover actual damages incurred as a result of the errors, such as increased interest rates, denied credit, or other financial losses.

Statutory Damages : In cases of willful non-compliance, I may be entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive Damages : In cases of willful or reckless violations, the court may award punitive damages.

Attorneys Fees and Costs : The FCRA also allows for the recovery of attorneys fees and court costs if legal action becomes necessary.

4. Request for Deletion of Incorrect Accounts As a result of these violations, there are accounts associated with the incorrect name and address that do not belong to me. I am formally requesting that all accounts linked to the incorrect name and address be deleted from my credit report.

5. Previous Attempts to Resolve I have reached out to the credit reporting agenciesXXXX, XXXX, and XXXXransUnionon multiple occasions to address these errors. Unfortunately, I have not received any responses or confirmation that these issues have been addressed. The lack of response is not only frustrating but also constitutes further non-compliance with federal 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention a serious issue with my credit report that I have been unable to resolve despite multiple attempts. My credit report contains an incorrect name and address, and there are accounts listed under this incorrect information that do not belong to me. I have only one correct name and one correct address, which I have provided above.

1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The inclusion of incorrect name and address information on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. Under the FCRA, I have the right to dispute inaccurate information, and the credit reporting agencies are required to investigate and correct these errors within 30 days.

2. Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - Address Discrepancy Rules The incorrect information on my credit report also implicates the Fair and Accurate Credit Transactions Act ( FACTA ). The Act requires that any substantial discrepancies in address information be addressed and resolved by the credit reporting agencies. Failure to comply with these provisions can result in significant harm to consumers.

3. Potential Financial Compensation for Violations Under the FCRA, if the credit reporting agencies fail to correct these errors or continue to report inaccurate information, I may be entitled to monetary compensation. Specifically : Actual Damages : I may recover actual damages incurred as a result of the errors, such as increased interest rates, denied credit, or other financial losses.

Statutory Damages : In cases of willful non-compliance, I may be entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive Damages : In cases of willful or reckless violations, the court may award punitive damages.

Attorneys Fees and Costs : The FCRA also allows for the recovery of attorneys fees and court costs if legal action becomes necessary.

4. Request for Deletion of Incorrect Accounts As a result of these violations, there are accounts associated with the incorrect name and address that do not belong to me. I am formally requesting that all accounts linked to the incorrect name and address be deleted from my credit report.

5. Previous Attempts to Resolve I have reached out to the credit reporting agenciesXXXX, Experian, and XXXX multiple occasions to address these errors. Unfortunately, I have not received any responses or confirmation that these issues have been addressed. The lack of response is not only frustrating but also constitutes further non-compliance with federal 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 explanation
Consumer complaint received 2024-08-11 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 below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX have violated my rights.

15 U.S.C. 1681 section 602.A. States I have the right to privacy.

15 U.S.C. 1681 section 602.A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any Comsumer reporting containing the following items 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 ). States a person shall not furnish any information relation to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2024-08-11 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:
In accordance with the Fair Credit Reporting act. The list of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602.A. States I have the right to privacy.

15 U.S.C. 1681 section 602.A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any Comsumer reporting containing the following items 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 ). States a person shall not furnish any information relation to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2024-08-11 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that trasnsUnion and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number 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 non-monetary relief