vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a declination on a loan application through a credit union. The credit reporting agency cited numerous factors that I believe some of which were incorrect. I contacted the Trans Union website and the only way to receive a report was to rejoin a monthly membership. I did so and put in a new and current card number. The website rejected the card three times, although my bank account was charged. I never received the report. I called three separate times to Trans Union. Not one of their customer representatives were able to correct the problem. Two were disconnected and never called back. However, my request has been escalated. Although my bank accepted the first transaction, Trans Union is claiming that they cancelled all attempts because I cancelled my previous Trans Union membership in XX/XX/year>. So I signed up for a new account. It recognized my account and reverted it back to my old account but still did nothing in opening up my credit report. I was charged again at my bank. My complaint is both technology and human support was incompetent on every level : The Trans Union website, customer service reps ( in a foreign country ), and I still have not received a credit report. My funds are being held by the bank for the first transaction but Trans Union is not processing it. Please fix this. It is unacceptable.

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 2024-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TradeStation Group, Inc.
State: FL

Complaint narrative:
I attempted to close my TradeStation XXXX  ( XXXX ) and XXXX  ( XXXX ) accounts However due to a {$10.00} fee was told I can not close my account. 


This is fairly disappointing as still a fairly new customer to TradeStation, as I no longer have any use for this account, and was still getting familiar with the fees. 


I have attempted to ask as a one time courtesy to waive this fee and close my account, and was denied even when asking politely to involve upper management to take a second look. 

I am requesting a waive of this {$10.00} fee and a closure of my TradeStation accounts.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I already filed a police report, I have things on my credit report that is not mine. Where can I send my police 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 2024-06-17 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX  are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX  has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX  failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX  are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX  has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX  failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : 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 2024-06-17 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: FL

Complaint narrative:
Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, EQUIFAX still refuse to remove the fraudulent accounts. I am now reaching out to the CFPB because I do not understand how Equifax still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
The debt collector has sent me nothing to verify the debt. I have no knowledge of this debt collector. I have seen nothing with my signature on it that verifies any debt owed to the original creditor nor a statement that shows what they claim I owe. Also, they have not provided me any account numbers from the original creditor they claim I have debt with. This is inaccurate information as it does not list my account number on my credit report which constitutes inaccurate information which violates the FDCPA Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: NJ

Complaint narrative:
I have two accounts one credit card from ( XXXX  XXXX ) date opened XX/XX/XXXX that i'm unfamiliar with that not mine I send a dispute the bureau said it came back that it was verified and the other account is kickoff ( account number XXXX date opened XX/XX/XXXX. 15 usc 1681i ( a ) ( 6 ) ( B ) ( III ) I requested a description on the dispute how they came about these findings and never received an answer this is a violation of fair credit reporting act this was XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
On XX/XX/year> I made two payments to pay off loan # 5 with Mohela. The payoff amount was XXXX. I had the money in two accounts so one payment was for XXXX and the other was for XXXX. 

On XX/XX/year> I logged in to check if they had been applied. They were but not fully. It was showing an outstanding balance for XXXX so I called. They said they could see the payments but werent sure why they werent fully applied or what happened to the rest of the money. They said they would submit a request for that remaining amount to be located and applied as intended and the process would take 30 days. 

On XX/XX/year> I called again to follow up, they said that they would check on the request and that it could take up to 45 days. 

On XX/XX/year> I called again and I was told that I needed to keep waiting because the timeframe I needed to wait was 45 business days. I counted while on the phone and this happened to be the 45th business day. When I brought that to the attention of the rep, she got even more unpleasant and said that I would just have to keep waiting because these things take time. I asked how long I should wait to follow up she said she didnt know. 

As of today XX/XX/year> the balance for loan # 5 is still at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: William D. Meeker Enterprises, Inc.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I made a report to identity theft.gov and submitted a report to you all XX/XX/year> and still nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: IL

Complaint narrative:
This company contacted me stating I owed a debt that didn't exist. I contacted the original healthcare provider to confirm this. The healthcare provider sent all supporting documents showing I owe no debts. This company stated to provide all supporting documents in which I did. Now they are not responding to me when I ask for confirmation. I have sent XXXX emails asking for assistance. They only continue to send me letters in the mail and ignore what I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
In XXXX  I opened a line of credit for XXXXXXXX XXXX XXXX. This line of credit was through Fortiva. This was not a credit card. It was purely for the equipment. Recently, I checked my credit report and I saw that the line of credit had been closed and a Fortiva Mastercard account had been opened ( with the balanced transferred ). This caused my credit score to drop nearly XXXX points ( I am trying to buy a house, so it looks like I took out a credit card and I did not ). I called the company and they explained that they sent out a notice and if the customer did not respond the account was automatically switched. They also sent out an email, however, this email was deactivated. I have not had any interactions with this company because my bill is on autopay. I did not receive a paper notice. My bills are electronic ( assuming because I do not receive mail from them ). 
I have not bothered with it since it is on autopay. 
I paid off the remaining balance and expressed that this was for the closed XXXX  account and not the Fortiva credit card that I did not apply for or want. After talking to a manager, it seemed that it was alright, ( although they were very pushy in wanting me to keep this account- sayings like, " are you sure, you can use it anywhere ''. Again it was not my desire to have another credit card as I am trying to get myself into a position to buy a house, which I should have been there, but this has caused a setback. I am now waiting another 30-60 days for my score to update so I can continue looking for a home. 
I got another call today and they said that they can not remove the credit card from my report, they can only close it. After research online, this is not a new thing with Fortiva. Just bad business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-17 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: CA

Complaint narrative:
In accordance with the rair Credit Kedoning act. Ine List of accounis below nas violated. my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. XXXX for {$490.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX reported inaccurate late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Trans Union LLC Consumer Dispute XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified or fraudulent accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Fraudulent Account Company 's Name 1-XXXX XXXX XXXX XXXX 2-XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations , I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.

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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Reference number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/24 I went to XXXX XXXX  and received one session of service. I subsequently had to cancel and noticed they had charged for multiple sessions, under my XXXX XXXX  account. I asked that they refund me, as I had no intention of returning and that they should not have charged me, until I used their services. They agreed to provide a refund but insisted I needed to return to their establishment to do so? I told them that this was not necessary. As per their own web site, the pricing structure is per session. As per copies of text messages they agreed to refund me and have not done so. The bank, Synchrony refused to resolve the dispute. I should not have to pay thousands of dollars for something I did not get.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
FCR A section 605 B it is illegal to report information on my credit report whit out my permission please remove immediately

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