vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: AL

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.

The letters are stated with items and issues.

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 2023-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
I sent a Verification letter on XX/XX/2023 and have Not received anything back from them. I was served a letter without a case number so I can not put an Answer in to the court because nothing is on file as I was told. I had to look up their lawyers number on the paperwork against me because they had their own number printed ; Got in contact with their lawyer on XX/XX/2023 and XX/XX/2023 and he had No information for me but noted we spoke and said my call counted as an Appearance?? I just got a letter stating they are going to file a Default judgement against me but did Not responded to my Verification letter. Also they added another collection to my credit report in the time they have not verified so a total of 2 account on my credit report from them but No Verification letter. I feel like this cant be right in their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received an Amex egiftcard for XXXX, however unable to use at various online stores, such as XXXX. Contacted Amex on XX/XX/XXXX to register card to my address, however still unable to use at an e retailer. They advised to use it in a physical store. Added to my XXXX XXXX XXXXand attempted to use in store on XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX However all declined. Contacted Amex on XX/XX/XXXX, and they advised XXXX and XXXX XXXX are restricted vendors due to security reasons. They advised to keep trying different stores, both online and in store, but they do not have a list of restricted vendors. When asking for a physical card with the remaining balance, they advised they can not issue and e payment as a physical giftcard. I am unable to use AmEx e-gift card at any retailers that accept amex payments, despite AmEx Gift card being advertised as such.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I never lived at this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been experiencing issues with LVNV FUNDING LLC regarding an alleged debt ( in the amount of {$740.00} ) for some time now. I recently had to send a cease and desist letter to the company, XXXX of XXXX, pleading that they stop reporting the unverifiable information associated with this account on my consumer report. With each dispute, LVNV FUNDING LLC has disregarded my letters and disputes and has yet to provide any pertinent information stating the validation and/or methods of verification of the alleged debt. Therefore, LVNV FUNDING LLC has violated my rights under 15 USC 1692c and 15 USC 1692g.

I am left with no other choice but to involve the CFPB to help me enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Failure to honor the demands within 15 days of receipt of this notice, LVNV FUNDING LLC will be held civilly and criminally liable under 15 USC 1611 and 15 USC 1692k. Additionally, I will not hesitate to enforce my rights to obtain remedy for all damages caused by this company pursuant to 15 USC 1681o. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 
Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Thank you in advance for your prompt attention to this matter. 

I have information on my reports that are outdated and I believe they are affecting my credit negatively. 

I no longer live at XXXX XXXX XXXX XXXX, XXXX NC XXXX Nor do I live at XXXX XXXX XXXX. 
XXXX NC XXXX I also request that all 3 of my past job history information be removed. As I feel this information is not necessary to be shared. My personal phone no. and address puts me at risk. Please remove. 

My only name and always has only been XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I as of this last year having been banking with regions since I was XXXX roughly ( I am XXXX now ) as of this last year I have seen nothing but errors and miscalculations running through my account causing me to get charged in overdraft fees AT LEAST ONCE EVERY OTHER MONTH. I have proof of this miscalculation today with a paper from the company with my insertion of money because I was on my last XXXX dollars in the account of XXXX. Yet for 4 days it had told me I only had a mere XXXX left. My online statement says otherwise and changed stating I in fact had {$520.00} at that time ( so a sudden influx of money made no sense. THEN I run negative into my account today stating XXXX XXXX from all of these charges that should have ran days ago and they have recrunched the numbers accordingly they are either stealing money or purposely running different numbers so that I am forced to pay a penalty fee. Others say when I asked that it just takes a few days for certain charges to run through however that should not be the case either. ( However I tested this theory ) I would wait and numbers would strangely enough STILL change. I have noticed numbers being off consistently and Im either running negative or have more than I should and it feels like my account is nothing but a game of tag. And if that were truly the case of things of not going through immediately why is it that everytime I make a purchase through a day the numbers go lower ( as normal one day ) and the next day they are not the same numbers ( I have been trying for months to hold out with my account to prove something is wrong with this system but I it would seem this issue strikes at random. However all I am aware of is I have had this account for years and NOTHING has been a problem until the end of last year THEN it proceeds to get worse. I suggest this company be investigated. I have also noticed as of today that this bank already has A LAWSUIT for the same exact issue for someone elses company and I believe they are scamming people DOING THE EXACT SAME THING TO OTHERS TO PAY FOR THIS LAWSUIT. I would also like to add my account is supposed to be protected by overdraft however that is hard when doing online purchases ( as I have been informed over the phone ) it still should not run when trying to purchase something and I have noticed that if my card doesnt run then I dont have the funds ( including online purchases ) so if that is the case why do these purchases continue to run as well as change on my page telling me different numbers one day if I in fact didn't have the money at the time why would my card run in store? No one else could answer that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the fair credit ace act number XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters {$2100.00}. I have no idea who this comapny is. Can they provide me the original application, ssn #, copy of signature, DL #, & current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair credit ace act number XXXX XXXXXXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the fair credit ace act number XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a dispute letter to these companies, which they have received on the XXXX and XXXX of XX/XX/2023, but they continue to furnish inaccurate and incomplete data on my consumer report as of XX/XX/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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My bank account is closing my account at Wells Fargo because of faulty checks that I wasnt aware were faulty someone on the Internet scammed me saying that they needed model pictures and theyre going to use me they were going to send me the money first and they sent me a check for XXXX and then a check for {$400.00} and I cash those in and now my bank account is close my account because those checks were faulty. And now the bank returned those checks and now I have a negative of {$350.00} my account that I have to pay back. I dont know what to do I was not aware that the checks were faulty

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Name : XXXX XXXX Address : XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : Arizona Zip : XXXX Email Address : XXXX Citibank is the company 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I need to see the purchase agreement contract or bill of sale that was created between Credit Acceptance and XXXX XXXX Sales.. the retail installment contract is not the only contract. There was also one between Credit Acceptance and The car dealership XXXX XXXX XXXX that I have a right to see as a consumer. Please send to my email XXXX. 

Also why was I not notified of my right to rescission per 15 US Code 1635

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filling this complaint bring to your attention a critical issue that I am facing with regards to my loan repayment. As an earnest borrower, I am disappointed and frustrated with the current restrictive payment options that have, thus far, made it impossible for me to meet my repayment obligations. This unexpected obstacle is not only causing me undue stress, but it also threatens to unjustly impact my credit score.

When I procured the loan, I was not informed about the specific need for a major bank bank account debit card, XXXX, XXXX, or XXXX checking account to make payments. Attempting to utilize alternate payment methods like my XXXX XXXX debit card or XXXX XXXX card resulted in failure, as they were not accepted. Even my attempt to pay with credit cards, or ach withdrawal from my XXXX prepaid account was unsuccessful. 

Furthermore, I tried to resolve this issue by seeking your mailing address on XX/XX/XXXX to XX/XX/XXXX so that I could use a mail pay service, as I have successfully done with other bills for the past five years. However, I was informed that your company does not accommodate this traditional form of payment, a response that seemed unusual and inexplicable to me. As a last resort, upon advice from a manager in your company, I purchased two prepaid debit cards at an additional cost to me, only to learn that your company can not accept this form of payment either. 

It is highly concerning that a company targeting underserved individuals with banking products presents such challenging barriers to making payments, and imposes requirements that customers are unlikely to meet. This pattern of limited and specific payment options raises serious questions about the underlying intentions of your company. It appears as if the hurdles in the payment process could potentially lead customers to incur unnecessary late fees and penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I applied for a loan with discover personal loans. They requested my most recent 3 months of bank statements I provided statements for XXXX XXXX and XXXX of XXXX. They wouldnt continue processing my loan until I provided them a XXXX statement. I have no XXXX statement as my bank doesnt provide until around the XXXX of the month. Discover has no disclosures that I seen that says if you apply at the end of the month you must wait for your bank statement before your loan will be processed. Had I known this ahead of time I would have never applied as it resulted in an inquiry to my credit report. I think discover is being deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree. 

The debt collection agency has not sent me any proof of validation what soever either via mail or email communication. 

They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay. 

A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency : Consumer Adjustment Co Original Creditor : XXXX Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} I emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor

Company response to consumer: Closed with explanation