vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
A month ago, I had contacted PenFed CU to get access to my online account so I could pay my bill. My phone number had changed so when trying to login into my account, I couldnt get passed the verification because it was linked to my old number. I spoke to a lady who said she couldnt help me and the only thing I could do was to mail a copy of my drivers license and phone bill. I did that, then got an email saying the info provided was insufficient and no solution to help me getting online. I called today, spoke to a gentleman who said they have the info however they needed a colored copy of my drivers license. The guy said I could upload a new copy of my drivers through an online portal. Then he advised I would need to call back in 2 hours and they could move forward with updating my phone number. What does it matter if my drivers license copy is in black or white or colored?! 
This has been a ridiculous long and tedious process. My credit has been hurt and still waiting to get my account paid.

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 2023-09-22 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 am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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 am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2023-09-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
Complaint against Frontline Asset Strategies , LLC To Whom It May Concern, I am writing to file a formal complaint against Frontline Asset Strategies , LLC, a debt collection agency that has been relentlessly pursuing a debt that I have disputed and informed them to cease all communication and harassment as per my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ).

I assert the following rights : 1. Right to Dispute and Discharge Debt : I have the right under 15 U.S. Code 1692g subsection a & b to dispute and discharge this debt.

2. Fair Credit Reporting Act ( FCRA ) : Frontline Asset Strategies , LLC is in violation of the FCRA by continuing to pursue this debt, which I believe is unverifiable, inaccurate, or incomplete.

I request the following actions be taken : 1. Immediate Cessation of Communication : I demand that Frontline Asset Strategies , LLC cease all communication with me, as per my rights under the Fair Debt Collection Practices Act. 
2. Removal from Credit Report : I assert my right under the Fair Credit Reporting Act to have any inaccurate or incomplete information related to this debt corrected or removed from my credit report.

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to hold Frontline Asset Strategies , LLC accountable for their actions. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX, I agreed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX to initiate a {$3500.00} payment to my CitiBank/AT & T ( Universal Card ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent CitiBank {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. XXXX reported the New XXXX Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the CitiBank/AT & T Card half of the transaction, which left hidden the {$3500.00} lower balance in the CitiBank Card and didn't report a 20.1 % LOWER CitiBank Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point CitiBank/AT & T Score . The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a CitiBank promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then CitiBank chose to REDUCE my Credit Score XXXX points. Wait. What?

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
XX/XX/23 I have an issue and I need this information for incorrect illegal reporting of late payments need to be removed and marked as paid as agreed and i need the transactions to be reported correctly.

Goodleap has failed to provide me proof that i received a loan. They never gave me a loan as i extended my ssn and that makes it a credit consumer transaction and that is a credit card that is open ended and was paid at the time i executed the application, which is the device to purchase the good/ service i needed. I am getting damaged by the data furnisher and they are causing me sever mental anguish as i consumer report is suffering due to the creditors illegal and unfair practices. Late payments are illegal. Please have this account and transactions reinvestigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA did nothing to protect us after we immediately reported a fraudulent charge, while the charge was still pending. I canceled my card and requested a new card but was basically ignored until my husband called. The card was in my name but, not even once, did USAA notify me of the status of the requested fraud investigation ; they sent all written communication directly to my husband and addressed everything to my husband. Furthermore, USAA never once asked either of us to directly contact the merchant from whom the fraudulent purchase was made. Instead, USAA promised us they were doing a thorough investigation. In the meantime, they took the entire disputed amount, more than {$690.00} out of our bank account. Their investigations came back with an erroneous determination that we did indeed purchase the item. We had no knowledge about, nor did we have an exact shipping address for the alleged item. We had to basically beg a supervisor to divulge what exactly was the item in question and where was it supposedly sent ; the item was sent to a different State and we were never even told to whom it was sent or to what exact address. After my husband was basically told that we lied and mustve made the purchase, today I called the merchant myself. The merchant immediately advised me that it appeared my account had been hacked and even locked, so neither the agent nor I could even look at the account details! Thankfully, after 2 stressful and upsetting months working unsuccessfully with USAA, the merchant determined immediately, with my single phone call, that we were indeed due a refund. This kind of integrity and action was what we expected from USAA, the bank with which my husband has been associated for more than 42 years. There is something very wrong going on at USAA. I am extremely relieved that the merchant is doing the right thing, but I thought that an overseeing fiduciary body should be aware that USAA is basically stealing peoples hard-earned money with their so-called investigations. We will be taking our money out of USAA and moving it to another bank. The merchant has advised it may take up to 62 days for us to receive our refund check. Though this strains our day to day flow of funds, at least we will eventually get back our money. Shame on USAA. This bank should be thoroughly investigated for spousal discrimination and theft. If it happened to us, Im sure its happening to others. One final note, I hope that the person who committed the fraud is brought to justice. I would be willing to do all I can to help move matters to that end. This whole ordeal is shameful. I am, again, grateful the merchant came through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Ingo Money, Inc.
State: TN

Complaint narrative:
Someone keeps taking from me and locking me out my accounts I never had any loan I can not get a bank account and I know that it's not because I owe anyone cause I do not my credit report reflects that I have 100 % payment history and I can't get a bank account and XXXX has stolen thousands from me along with other people. My name is XXXX XXXX XXXX XXXX XXXX and I'm very sad upon reading into the federal reserve that my name is all over it. Ingo XXXX and XXXX  and every single bank in my town deny my access to just make a account I'm being directly denied rights that anyone has and I'm in college and I am working too change the community for the better and I can't even use a bank account in the United States I have nothing now XXXX made sure of it and I have spent a life with out but upon reading my name so many times transparency maybe a better solution. Please help me get this fixed I'm trying so hard to explain my self and I'm not sure if you could understand what I'm saying but I owe no one and I'm being unfairly denied basic things and I don't know why this has put me in danger many times it's left me homeless and starving because someone empties my prepaid accounts out as fast as I can add money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I lived in XXXX XXXX XXXX for several years, untiXXXX XXXX ( I think ). XXXX they did my walk through after I moved out, I was signing papers for my house at the same time so I couldnt attend. I received a call saying that everything went fine and I should receive back some of my deposit but I would have to pay for a door. A month later, I got a XXXX bill bc they stated they had to replace my entire carpet. I immediately tried calling telling them that I was told by the lady who showed me the apt that they change the carpet bt each owner and she said they didnt do that anymore and I had to pay. I believe bc I was told something different I shouldnt have to pay. Its not my fault that the new company does things different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Received call from MRS BPO LLC and they hung up on me. I'm on the do not call registry and I went online to find out who this company is and it says it's a debt collector and I do not owe any debts of any kind so I tried to call them back and reach them and the phone rang for over 10 minutes with no answer. They have called me in the past and I've blocked numbers that they've called from and they always hang up on me I feel like they're trying to verify that it's a legitimate phone number and maybe sell my information because I otherwise don't understand why they would call and then hang up on me if they were trying to collect a debt and like I said I do not owe any debts of any kind My credit score is perfect I pay everything on time and always have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: MA

Complaint narrative:
I was charged two identical transactions, one on XX/XX/2023 and the other on XX/XX/2023 from XXXX XXXX for {$130.00} each. When I filed a dispute with Citi, they indicated that XXXX XXXX claimed both charges are valid, which was never correct. Concurrently, I reached out to XXXX XXXX and XXXX XXXX confirmed they only charged me for one transaction for {$130.00} which was the charge I agreed on. At this point I filed a dispute with the XXXX against Citi for the duplicate charge of {$130.00}. Citi responded to the XXXX complaint with a generic letter that indicated the " findings '' of their investigation, which showed literally a blank paragraph where the explanation should have been. I have brought this up to Citi multiple times since then and they refused to do anything about it indicating their investigation was final.

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 2023-09-22 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: TX

Complaint narrative:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

Company response to consumer: Closed with explanation