vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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: 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.

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 2024-03-23 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: 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.

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 2024-03-23 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification, please provide me the certified mail with the receipt with my name on it, my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Reinvestigation the follow up dispute... I am in dissagreement with the account listed below which still appears on my credit report even after your investigation.This account is hurting my ability to obtain credit..I would like this immediately re-investigated and the account removed/deleted ... The late payments are inaccurate and are highly injurious to my credit score... Please show proof of late payments in XXXX & XXXX XXXX..This inaccurate information falsely manipulates the statue of limitations.You failed to investigate this account properly and your neglect has violated my rights..I am demanding deletion of the following account.. 
XXXX Account name : CBNA  Account # XXXX XXXX Account name : BESTBUY/CBNA Account # XXXX XXXX  Account name : CBNA Account # 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
Consumer complaint received 2024-03-23 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: MS

Complaint narrative:
On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : TransUnion 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 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 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 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 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

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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Between XX/XX/2024 and XX/XX/2024, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX was removed from your 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 2024-03-23 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:
The XXXX XXXX XXXX  Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but Equifax and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Between XX/XX/2024 and XX/XX/2024, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX  was removed from your credit report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX XXXX XXXX Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. ( Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX XXXX. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Between XX/XX/year> and XX/XX/year>, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX was removed from your 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable for any debt with XXXX XXXX Accounts, XXXX, and XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us, this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. account. 

This is just not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2024 my account was fraudulently used for {$1600.00} under a XXXX transaction. I filed a police report. I have filed with the bank. They will not refund my money for the fraudulent activity, despite them initially telling me they would. Beyond filing the initial complaint, they did no investigation. I requested to be contacted by their investigator and was not ever contacted. This is a lot of money to be missing and I can not afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I recertified my student loans, since I knew my recertification date was in XX/XX/XXXXXXXX 
On XX/XX/XXXX XXXX, Department of Education made an announcement about recertification dates. Specifically, those who had recertification deadlines in XX/XX/XXXX, and saw after they already recertified and their payment went up, that they would be returned to their previous monthly payment amount until the new recertification deadline. 
On XXXX XXXX, XXXX, I reached out to MOHELA to confirm that I expected to benefit from this announcement as I had recertified already to comply with my XX/XX/XXXX XXXX deadline and my payments had gone up. 
On XXXX XXXXXXXX XXXX, I received a response from MOHELA that confirmed that I would benefit from the change. MOHELA 's response indicated the following : " Your account should revert back to the Pay as You Earn ( XXXX ) Repayment plan. Your monthly installment of {$0.00} will continue through your new IDR recertification deadline on XXXX. '' On XX/XX/XXXX, I sent another message to MOHELA asking if there was any guidance on to how long it would take for me to see the change. I asked because that same day, I received a bill telling me that I had a {$68.00} payment due on XX/XX/XXXX. 
On XX/XX/XXXX XXXX, MOHELA responded again, telling me that their response to me on XX/XX/XXXX was incorrect, that my payment would not be decreased, and my payment continued to be due on XX/XX/XXXX, in direct violation of DOE 's announcement. 
On XXXX XXXX, XXXX, I sent an email to MOHELA 's Customer Advocacy Team Specialist, asking for assistance on my situation. 
As of XX/XX/XXXX, I have not received any response from him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I called my bank and reported a company that I had ordered from but yet never receiving my purchased items. I placed an order for toilet turtle and never received them so I placed a call to First National Bank of Pennsylvania and my transaction was verified at this time I was told that my card maybe blocked but because of the amount the customer service representative said he was sure because it was such a small amount well a week or so later my card was blocked a d the only way that I founded out was because I we t to the market ( XXXX ) XXXX XXXX XXXX location store number XXXX and when I went to check out it gave an error code card not authorized the cashier try again at my request because i was so confused the Transaction declined again, I then checked my available funds online and I had enough to cover the current purchase so I called the bank after one hour and fifteen minutes I found out that my card my blocked and no one even bother to order a replacement card at this point I kind of understood how XXXX XXXX feels ( funds in the bank but can't use them ) it became increasingly embarrassing standing there purchases being declined. Finally the second customer service representative agreed to override the block so that I could get some food and reblocked my card but told me after verifying my full name, address, phone number, last 4 of my social security number, that he said that he would order a replacement card so that I WOULD NOT deal with this again, as of today Saturday XXXX, 2024 I still DO NOT have a debit card and I ran into a situation that might effect my credit any payments coming in against my old card are all declined, I have a few emails because payment could NOT be obtained with a closed debit card on file. I thank you in advance for any help you can give me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
- Proof of Payment XX/XX/XXXX : paid by XXXX XXXX XXXX on behalf me ( XXXX XXXX XXXX XXXX, Bld XXXX, XXXX XXXX, XXXX AZ XXXX. Phone : XXXX, check date : XX/XX/XXXX ) for amounts of {$10000.00}, {$980.00}, {$5700.00} to XXXX XXXX ( Please, Check Exhibit # XXXX, Page XXXX ) - Proof of payment for XX/XX/XXXX : I paid using my bank account ( XXXX XXXX posted on XX/XX/XXXX ) for an amount of {$6200.00} paid ( Please, Check Exhibit # XXXX, Page XXXX ) to XXXX XXXX - For number of XXXX payments ( Please, Check Exhibit # XXXX, Page XXXX ) Mohela claims that I have never made a payment. But my payments are documented on XXXX and on the XXXX XXXX XXXX sent by Mohela. However, my balance is much higher than it should be. they used a calculation called " Adjusted Balance '' and added large amounts in my principal. I thought it might have been applied to interest amount but interest amount on Mohela website is much lower. I called them many times but they don't know what is going on. I submitted proof of payments. Their representative email the account department and they never update my account. Every time, I call them they put me on hold for 1-2 hours. All my attempted have failed so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation