vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CO

Complaint narrative:
On XX/XX/XXXX, I was offered a settlement on a past due debt for an XXXX account. The settlement amount was for {$320.00}. To settle the past due amount of {$710.00}. 
I followed the link in the email they sent and entered my card information. After submitting I received confirmation that my account was resolved and the payment of {$710.00} was processed. 
I called Trueaccord and after an hour of being put on hold and transfer to different agents I was told that it's not their fault and they wont honor the settlement amount.

This seems to be deceptive and shady bussiness practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Company does not have ORIGINAL copy of original leasing documents. Company has been repeatedly calling violating privacy act. Company reported information to credit companies and didnt show proof of original contract. Company needs to remove this collection within 30 days. I do not owe this company. I do not OWE debt this company. Very rude employees and its proven on XXXX XXXX  for company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
Good afternoon, I would like the two inquiries on my credit report to be removed from my account because I did not authorize them to run my credit. The Discover card inquiry and the XXXX inquiry need to please be removed. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-01 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
In XX/XX/XXXX I received a notice from MOHELA my loan servicer. It stated that because they had billed for payments that werent due I could either choose to have those payments applied to my account or to have the over payments refunded. On XX/XX/XXXX I contacted MOHELA and let them know I would like the payments refunded. There was a payment of {$300.00} and a payment of {$470.00}. The representative I spoke with stated she would process my refund. As of XX/XX/XXXX I still had not received a refund so I reached back out. Not only has the refund not been processed but the first person could not assist me stating I needed to speak to an advanced representative. A normal rep helped me the first time so why couldnt she just make it right??? I had already waited nearly two hours to speak to her for only 5 minutes before being transferred yet again to some advanced representative. I have have been on hold for nearly two hours again and have spoken with no one who can assist me. MOHELA is beyond awful to deal with. They are disorganized and inefficient and I am wasting my time with them each time I need assistance. I am owed nearly {$800.00} and that is a lot of money to be waiting nearly 3 months for only to find out that nothing has been done. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
As a consumer we expect for large financial corporations to be fair and practice integrity. As of XXXX, I am still utterly disgusted with the customer service received from MOHELA over the past few moths. So many inconsistencies, and unclear information being passed around, that the level of trust is below XXXX right now. I've made complaints and they have sent me responses and letters regarding updates, BUT the messages have not answered my questions, or given me a satisfactory response. I have spoken to at least upwards of 15 reps, and no one has given me information that makes sense. Its not clear to me that any of the reps truly understand the PSLF process. Whoever looked at my complaint seemed very eager to close out the complaint and send send a response, that they disregarded my need to have a resolve. 90 percent of the reps I have spoken to are in training, which is very telling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered regarding inaccuracies in my credit report. Upon reviewing my credit reports, I discovered discrepancies related to late payments attributed to three creditors, despite my consistent and timely payment history. 

One such instance involves a loan ( Account Number : XXXX ) with XXXX XXXX  XXXX XXXX, where a late payment was reported in XX/XX/2023. However, it's imperative to note that I have never defaulted on payments for this account. Interestingly, this discrepancy appears on two of the credit bureaus while being correctly reported on the other. 

Furthermore, I recently noticed another discrepancy concerning an account with XXXX XXXX XXXX  ( Account XXXX : XXXX ). According to my credit report, a late payment was recorded for this account, which is entirely inaccurate. I have maintained a flawless payment record with XXXX XXXX XXXX, and no late payments have ever occurred. 

In an attempt to rectify these matters, I promptly initiated disputes with the credit bureaus by submitting written requests for investigation. Regrettably, despite complying with the proper procedures and adhering to the requisite timelines, there has been an alarming lack of response from the bureaus. Consequently, the erroneous information remains unaddressed, posing unwarranted consequences for my creditworthiness. 

Dispute from the consumer or reseller. They also violated these laws And according to 15 USC 1681i % theyare suppose to do this ( 50 Treatment of inaccurate or unverifiable information ( A ) in generallif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, am item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) prompltly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that informationthat the information has been modified or deleted from the file of the consumer. And according to 15USC 1681s-2 they are suppose to not furnish any information

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 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
In XXXX of the year XXXX  the Company CIT Financial repossessed a XXXX XXXX XXXX that I had financed through them, at that time I was unable to continue making payments on the truck due to the ongoing covid 19 epidemic. The issue with this is that when they came to take the truck they took the WRONG truck, They took a truck I had financed with another company ( XXXX XXXX ). I've been trying to work with CIT to resolve this issue, to date CIT has made no efforts to help resolve this problem. The truck they should have taken is still in my possession but I can not do anything with it, the truck has no title, I can not get new plates for it, this caused me to have to stop using this truck which at the time was the only running truck in my fleet, forcing me to shut my company down. I tried to work with the DMV to try to get the title for the truck that CIT wrongfully took and the DMV informed me that my truck had been registered in Ohio while I was still the legal owner, meaning someone forged papers to register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I sent debt validation request. NCB did not respond with information legally required by the FCRA. I also disputed the debt with the three major credit bureaus. Even tho NCB didn't validate the debt. The continued to report to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Can't view my balance on PNC app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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 explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2024, I wrote to you asking that you look into some things that I thought were fraudulent, wrong, or reporting lies. Up to this point, the only answer I've gotten was a computer-generated letter telling me that you have stopped looking into my credit reports because you think I used a credit repair service. I think this is not only a way for you to hold off responding to my original request for another 30 days, but it is also a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES RE : XXXX  Block Request Case # XXXX : XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Dear Sir or Madam : I, XXXX XXXX XXXXXXXX, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of XXXX  ) Do hereby attest that I am a victim of XXXX  for purposes of section 605C of the Fair Credit Reporting Act. 
This statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I checked my credit report and Sunrise Credit credit has reported a {$180.00}. Debt. I have no idea what company it's from and I have not received any notices of a debt for {$180.00}. I pay my bills on time or early. Also, there is no other information such as acct # or except for their company contact information.

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 2024-03-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: DISCOVER BANK
State: CA

Complaint narrative:
I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-01 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: IL

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. 

US BKPT CT IL XXXX XXXX XXXX has violated my rights. 

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

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 2024-03-01 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 have reviewed my consumer reports and noticed that I had two late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank is refusing to comply with the requirement under 12 CFR section 1026.11 ( a ) ( 2 ) to issue a refund for my credit balance within 7 business days, and is instead telling me that it will take several weeks.

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