vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/XXXX  Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you 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 2024-01-11 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: CA

Complaint narrative:
I have had the Citi Bank Costco Visa Card for 9 years. I have never missed a payment. I have built up a large credit line. On XX/XX/XXXX  I logged in to my mobile app to find my account had been closed. I called customer service to try and understand why and they stated it was because of a missed payment. However, I never missed a payment with them. They stated that a credit bureau reported I missed a payment elsewhere. I reached out to all three credit agencies to try and understand where I missed a payment and there were no missed payments reported. I reached out to all credit products I have and there were no missed payments. I then called back Citi Bank and submitted a reopen request. They denied it because of a missed payment ( which never occurred ). I then submitted a second reopen request, to which they denied it based off of " substantional number of debts owed to other creditors. At this point I was so frustrated and fatigued I was ready to give up. I made my final payment and called to check on the status of my cash rewards on the card, totaling around {$2800.00} on the year which was to be issued to me following the closing of my XXXX statement. They told me that because my account is closed my rewards would not be issued to me. They stated I had exhausted all internal appeals processes. I feel that, because of my substantial rewards for the year, Citi invented a reason to close my account simply because they did not wish to pay my rewards. I want my account reopened and I want my rewards certificate.

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 2024-01-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
I am behind on my mortgage and want to stay in my home. I was out of work due to medical reasons went back to work for a period of time. The enviroment had not changed and I decided for my own mental health to leave the company. I have called before to mortgage company in regards to this and when i have stated that i was waiting for payment from short term XXXX they did not believe me. I have had a hard time working with them before. I did apply for assistance from state and received for past due lot rent and that took up all the assistance i qualified for. I would also prefer they do not call park management

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our account has been compromised at CITI BANK for unauthorized wire transfer for {$20000.00} ( same day on XX/XX/XXXX  ) i reported over the phone and not satisfied and went to our branch to complain they freezes all my accounts and till today no result as XXXX XX/XX/XXXX  Every time i asked the Branch Manger she has no answer and my business is having issue. I am not satisfied with the bank treatment of not taking care of r this issue.

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 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX my supervisor received a call frm a 3rd party company asking to verify my employment they did not ask to speak with me but she did put me through to them. I received the name of the company trying to verify information and spoke to someone directly there. I the sent out a debt validation letter on XX/XX/2023. I have not received any information to validate this debt at all. I do not owe the amount that is in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX I purchased {$8000.00} in Best Buy gift cards. After they were attempted to be used on an online order, Best Buy froze the cards and drained the funds. I've opened several tickets with Best Buy 's customer service. Each time, the back office closes the ticket without reaching out to me. The card numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-11 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: LA

Complaint narrative:
My identity was stolen and someone took out student loans in my name/social security number

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 2024-01-11 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.

Complaint narrative:
I sent letters to the credit bureaus more than 35 days ago, along with my FTC report, highlighting inaccurate and invalid information. However, I have not witnessed any removals or corrections on my credit report since then. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your support in ensuring the prompt removal and correction of these inaccuracies.

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 2024-01-11 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: EQUIFAX, INC.

Complaint narrative:
I sent letters to the credit bureaus more than 35 days ago, along with my FTC report, highlighting inaccurate and invalid information. However, I have not witnessed any removals or corrections on my credit report since then. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your support in ensuring the prompt removal and correction of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, Capital one bank withdrew my carpayment of XXXX from my savings account. On XX/XX/XXXX another withdraw of XXXX came. I have had autopay XXXX and have never used that autopay feature. I called Capital one and spoke to XXXX agents. They told me they could write a check to me and it would take XXXX days. The XXXX person stated it would be faster to go to the bank. On XX/XX/XXXX I went to XXXX XXXX  and filed a dispute about the charge. The money was returned on XX/XX/XXXX. 

On XX/XX/XXXX, I payed went to pay my car payment and saw that autopay was turned on still and the payment had been withdrawn. I went to make sure autopay feature was turned off. 

On XX/XX/XXXX, I payed my car payment and saw that auto pay was still on after I had ensured it was turned off. I paid the payment on my mobile app. On XX/XX/XXXX, I checked my account and the car payment had been withdrawn 2 times again. both for XXXX. I contacted XXXX XXXX  first to see if it was a mistake and they stated that one was a direct debit and one was an Auto payment. I called Capital one and asked to get the money back and the woman stated that I would have to wait up to 14 days for a check or I could dispute the charge with the bank. This was an unsatisfactory option and I asked to speak to a supervisor. I left a message and was returned a call a few hours later. XXXX was the supervisor and he was kind and understanding. He requested a fax showing that the charge had cleared my account and I faxed it to him the next day. He contacted me again on XX/XX/XXXX and told the that the company would send in an instant refund which would take XXXX hours. 

On XX/XX/XXXX, I had still not seen a return in my account. I contacted Capital one bank and they told me it had been sent and cleared. XXXX was not available but another staff member in the XXXX office told me this. She said she would leave a message with XXXX and that he would contact me. She asked me to speak to the bank and ensure it is not being held for some reason. 

On XX/XX/XXXX, I checked my account and there was still no refund. I recieved a call from Capital one, XXXX, stated that everything looked good on their end and that the money had been refunded. He asked me to call XXXX XXXX  just to see. 
I called XXXX XXXX  and they told me there was nothing they could do. I asked for evidence that the money had not been cleared and that I needed something in an email stating these facts. That will be a whole nother complaint. 

I asked for documentation from both organizations several times specifically through email and both stated they did not do email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I opened my loan in XX/XX/2022. I have made repeated attempts to access my online mortgage profile and I'm told that there is no solution to access my account. I can't see my payments being posted, the balance of the loan, or the tax information. I have been told they have a system issue with no timeline for resolution. This has continued for 6 months and there is no explanation, no update, and I'm still unable to access 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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Department of Education continues to inaccurately list 3 loans as viable accounts on my credit report. As indicated on the Federal Student Aid database, loan Account Number XXXX  XXXX ( balance of {$3200.00} ) was originally opened XX/XX/XXXX ; loan Account Number XXXX  XXXX ( balance of {$62000.00} ) also has an original open date of XX/XX/XXXX. The third loan listed, Account Number XXXX  XXXX ( balance of {$2100.00} ) has an original open date of XX/XX/XXXX. All were consolidated and defaulted on in XXXX. The US Dept of Education continues to renew these debts, making them an interminable punitive measure when they have no legal right to do so. The US Dept of Education finds varying ways to keep these accounts on my credit report, including their most recent effort to take them out of default by their own will and not my request or consent. 

The legal time constraint for these items to be reported has reached its threshold. The USDE is not above the FCRA. And based on the FCRA 's regulatory measures, these accounts should have been removed in XXXX. 

I have included the Master Promissory Note of the accounts in question. I have also attached a letter from the FSA indicating every loan was opened ( and defaulted on ) in XXXX. PLEASE REMOVE THESE ACCOUNTS POSTHASTE.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I asked do bean audit and accounting on my account from present-opening an audit. Bank errors.

Company response to consumer: Closed with explanation