vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I applied for the XXXX XXXX XXXX  card credit card. I was approved. After that I received a email from Barclays which appears to be the bank managing the XXXX credit card. Then I gave them by phone a different address to send the card since I dont get mail on my phisical address which was the address asked on the application. After that they locked my account and asked for additional information. They asked for copies of my drivers license, proof of address and SSN card. They asked that all this documents to be send by mail as my only option. I told them I cant send my personal information by mail cause this is not acceptable cause my personal information can be in risk of getting stolen or lost on the way. Then they keep saying its the only way to activate the card. First of all, the bank should have a way to confirm my SSN information based on the information available publicly. I have over 7 credit cards and none of them ever asked me to send a copy of my SSN by mail. This doesnt sounds like common sense, acceptable and legal. Things got worse when today I received an email from them with an information about my statement. And they are charging me {$99.00} for the annual fee. How I can be charged for the annual fee if I dont even have an active credit card since they dont wan na activate my card cause the only options they give me is sending my personal information by mail. I feel uncomfortable, abused and that I am being disrespected regarding my personal information. In addition to everything, I am being charged unduly for an annual fee for a card that could not even be activated. It seems to me that some banks or credit card companies believe they have the right to request information arbitrarily. There seem to be no limits or rules that clearly define what these companies can or can not do. Whats the responsibility of XXXX XXXX in all this? Whats the responsibilities of XXXX in all this? who will be held accountable for this whole situation?

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report contains inaccuracies concerning late payments, which I recently discovered. These mistakes do not reflect my consistent payment history. Kindly correct this and update my account.

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 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received several calls from representative claiming to be from Bank of America. This happened on XX/XX/year>. They called at approximately XXXX XXXX. The number they called from is XXXX which is the same phone number is the bank of my debit card. They had all my personal information and they said that they needed to assist me because there was fraud on my account. They needed to transfer my money to a new account in order to avoid my funds to be taken due to fraudulent charges. They asked me to sign in to my account and do a couple things on there that I am not familiar with. I told them I was not familiar and I didnt feel comfortable doing that they sent me notifications and they confirmed my information and their phone number so everything seem legitimate. After I got off the phone with them. I received some emails from Bank of America saying we noticed some transactions on your account. At that point I felt something was wrong and I called the bank. 2 hours after receiving the fraud call I called the bank and told them what happened. I told them I didnt authorize and had no knowledge because I was tricked and fooled into logging into my account. The bank promised to freeze my account and place the transaction on hold. They also said that they would contact the other bank to let them know it was fraud. My account had a fraudulent wire transfer for {$1500.00} placed on hold and my account was frozen. How ever the next day the transaction was allowed to go through without my consent and the funds were stolen and taken from my account. I am a single mom and I do t have much. I dont have money for food or for the holidays. I have never used a wire transfer before and I am so confused as to why the bank would allow the transaction to go through after I explained to them that it was fraud because of the representatives impersonation of the bank and the calls I got directly from their phone number. Bank of America is not being helpful. This is all the money I had to pay my bills and this is extremely stressful and upsetting.

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 2024-12-14 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 2682. 

Account name : XXXX XXXX XXXX Acct # : XXXX Acct name : XXXX XXXX XXXX Acct # : XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX/XXXX  Acct XXXX : XXXX Acct name : XXXX XXXX XXXX XXXX Acct # : XXXX Acct name : XXXX, Acct # XXXX has violated my rights. 

I was trying to buy a house and I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 1681 ( e ) ( b ).

And according to 15 U.S.C 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to the 15 U.S.C 1681s-2 they are supposed to 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 account is inaccurate. Please remove t

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 2024-12-14 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: Grow Credit Inc
State: IL

Complaint narrative:
a Credit builder account was fraudulently added to my credit report after someone applied for it without my knowledge or consent. the name of the company is called " grow credit ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I found billing errors on my credit report indicating late payments that dont match my actual history. Please address these discrepancies and update my account accordingly. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, Mohela sent mailed communications to a lender ( myself ) that their 4 direct subsidized and 4 unsubsidized federal loans have been placed on an administrative forbearance due to the federal court injunction blocking the Saving on a Valuable Education ( SAVE ) plan ( i.e., a forced forbearance out of the lender 's control ). The lender ( myself ) had been put on the SAVE plan previously and therefore this is NOT a processing forbearance. The communications clearly stated that no interest would accrue during this ( forced administrative ) forbearance. 

On XX/XX/year>, the lender ( myself ) received a mailed communication from Mohela with a reminder that interest will continue to accrue on all loans under forbearance. However, the communication showed all 8 loans with a 0 % interest rate, and yet also listed an unpaid interest balance totaling {$68.00} for all 8 loans. 

During this entire period between the first communication on XX/XX/year> and up to the present day of XX/XX/year>, the Mohela website loan details show the interest rate of all 8 loans to be at 0 % interest rate. 

When the lender attempted to call Mohela on XX/XX/year> between XXXX XXXX  XXXX and XXXX XXXX  XXXX to obtain clarification on whether or not their loan is indeed accruing interest despite the prior communications, Mohela deflected and disconnected all call attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please forward this request to XXXX XXXX as a demand letter ; I am requesting my original contract including the arbitration clause agreement. 

I am requesting all notices of charge off prior to account being placed on credit report. 

I am requesting date of first delinquency. 

I am requesting all payment records. 

I am requesting all email correspondences between XXXX and XXXX XXXX. 

I am requesting all office visits with XXXX and loan transactions and proposes. 

I am requesting the register agent name and address Finally, if XXXX fails to provide me this information, then I will suit them for the information based on deceptive trade practices, violating Federal Credit Reporting Act, Collusion third party interference stigma plus, and breach of contract terms. 

Please forward this demand letter to XXXX dated XXXX. The requested documents can be forwarded to my home address. If they fail to provide me with the requested information to support my claims against them ; then, I will sue them to obtain the dockets. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX Email : 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 2024-12-14 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$380.00}, XXXX XXXX XXXX XXXX  balance {$8200.00}.

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 2024-12-14 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$380.00}, XXXXXXXX XXXX XXXX XXXX balance {$8200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$380.00}, XXXX XXXX XXXX XXXX  balance {$8200.00}.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-12-14 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally address an issue regarding my account, which I recently discovered has been sold or transferred to a collections agency without proper cause or legal authorization. 

This action is both unwarranted and potentially violates applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. To the best of my knowledge, I have not received proper notice of this transfer, and I dispute the validity of any alleged debt associated with this account. My personal information has been involved in several data breaches and I am a victim of identity theft as well I request the following : 1. Immediate Confirmation : Credit card Accounts that are closed, charged off and or outdated should be removed from my credit report immediately. I have ask the companies for debt validation claim according to 15 US 1692. 


number XXXX I asked For all companies to send me a full detailed list of the payment history on this account number XXXX. I asked to see the original signature that I agreed to on the contract for this creditor, number XXXX. Has there been any insurance claims found on this debt? 

and I see the chain of title that you have to collect on? 

To no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX XXXX XX/XX/2024 Subject : Complaint Against XXXX XXXX XXXX XXXX Regarding Improper Use of My Credit File To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for violations of federal statutes related to the improper use of my credit file, reporting of information without consent, and failure to comply with legal obligations regarding debt reporting and income recognition. 
1. Unauthorized Use and Reporting of Credit Information : XXXX XXXX XXXX XXXX has failed to comply with 15 U.S.C. 1681b, which specifies permissible purposes for obtaining and using consumer credit reports. I never provided written consent for XXXX XXXX XXXX XXXX to report any information to my credit file. According to 16 CFR 313.7, financial institutions must obtain explicit authorization from consumers before sharing nonpublic personal information unless an exception applies, none of which are applicable here. Additionally, under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous disclosure of their information-sharing policies and practices, which XXXX XXXX XXXX XXXX failed to do. Their actions also appear to violate 15 U.S.C. 6805, which empowers regulatory bodies to enforce these provisions. 
2. Lack of Transparency and Consumer Rights Violations : XXXX XXXX XXXX XXXX has disregarded my consumer rights by failing to provide adequate notice or obtain my written consent before furnishing information to credit reporting agencies. This omission violates the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Their noncompliance with transparency requirements and failure to respect the confidentiality of my personal financial information is concerning. I respectfully request that the CFPB investigate XXXX XXXX XXXX XXXX practices to determine whether they are in violation of federal laws, including but not limited to : 15 U.S.C. 68026805 ( GLBAs financial privacy rules ) ; 15 U.S.C. 1681b ( FCRAs permissible purposes for credit reporting ) ; 16 CFR 313.7 ( GLBA privacy and opt-out regulations ). Additionally, I request clarification and appropriate remediation regarding : The unauthorized reporting of information to credit bureaus without my explicit written consent. Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX XXXX XX/XX/2024 Subject : Complaint Against XXXX XXXX XXXX XXXX Regarding Improper Use of My Credit File To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for violations of federal statutes related to the improper use of my credit file, reporting of information without consent, and failure to comply with legal obligations regarding debt reporting and income recognition. 
1. Unauthorized Use and Reporting of Credit Information : XXXX XXXX XXXX XXXX has failed to comply with 15 U.S.C. 1681b, which specifies permissible purposes for obtaining and using consumer credit reports. I never provided written consent for XXXX XXXX XXXX XXXX to report any information to my credit file. According to 16 CFR 313.7, financial institutions must obtain explicit authorization from consumers before sharing nonpublic personal information unless an exception applies, none of which are applicable here. Additionally, under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous disclosure of their information-sharing policies and practices, which XXXX XXXX XXXX XXXX failed to do. Their actions also appear to violate 15 U.S.C. 6805, which empowers regulatory bodies to enforce these provisions. 
2. Lack of Transparency and Consumer Rights Violations : XXXX XXXX XXXX XXXX has disregarded my consumer rights by failing to provide adequate notice or obtain my written consent before furnishing information to credit reporting agencies. This omission violates the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Their noncompliance with transparency requirements and failure to respect the confidentiality of my personal financial information is concerning. I respectfully request that the CFPB investigate XXXX XXXX XXXX XXXX practices to determine whether they are in violation of federal laws, including but not limited to : 15 U.S.C. 68026805 ( GLBAs financial privacy rules ) ; 15 U.S.C. 1681b ( FCRAs permissible purposes for credit reporting ) ; 16 CFR 313.7 ( GLBA privacy and opt-out regulations ). Additionally, I request clarification and appropriate remediation regarding : The unauthorized reporting of information to credit bureaus without my explicit written consent. Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance and protecting my rights as a consumer. 

Sincerely, 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