vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
Tenaglia and Hunt filed for wage garnishment against me, however I do not make enough at my job for my wages to legally be garnished. I was told by a rep of Tenaglia and Hunt I could settle my account after my employer responded to the court order. My employer told me they had responded to the court order and said they can't garnish my wages. 

A couple months later I received some money, enough that I was hoping I could settle the account. I called Tenaglia and Hunt but they told me it was still in wage garnishment and I couldn't settle it. I asked a friend of mine who is a lawyer and she called the court house and the court case was dismissed months ago, which means the card should no longer be in wage garnishment. 

At this point I no longer had the money to the settle the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Request for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.

Challenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. 
Specific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. 
Demand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. 
Issues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. 
Call for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.

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 2023-12-19 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: Duvera Billing Services, LLC
State: WI

Complaint narrative:
This company called Duvera billing services on my credit Report XXXX or XXXX times I only have one account with them. I have talked to different people at this building company regarding about them. Getting my critics right now. They refuse to help me and starting to make creditors. Look as if I'm not trying to XXXX. We came to an agreement that I pay {$75.00} Every month until the {$900.00} payment is paid in XXXX I have made XXXX 's payment, XXXX and XXXX They're not reporting it to the credit bureau at all. And I sent over a letter that they sent to me. And they still would not update anything to the credit bill. And I'm not understanding. How is it that they come up with that agreement? But they're not sticking to their agreement. I just want this stuff to be removed off my credit report. I only have XXXX account with this company. I do not have XXXX or XXXX account with this company They are on my XXXX and transunion I have sent over the letters to the credit bureau. And I'm not getting help from them either. So at this point I don't know what to do. But it's draining my credit score and not only that, every month. They hit my account saying close the account. Which is pulling my score all the way down. And that's not cool someone. Please help me with this situation. Because I'm just getting frustrated. And then they just report me to the game XX/XX/XXXX as close account Which just took my account down negative XXXX Points on my credit report again XXXX  XXXX. ) Duvera Billing services {$1500.00} XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
unauthorized transactions were done on my First Tech Credit Union credit card and reached out the bank for the same and flagged these transactions as fraud on XX/XX/2023. Moreover my account details ( Login User ID, Password, Phone number and mailing address ) has been compromised without my consent and intervention.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my XXXX complaint. I have provided my written information and my personal information. I requested proof providing statements showing I permitted to have my information shared to third parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissible purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relate.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report provided by Credit Acceptance and reported to XXXX and XXXX. The discrepancy involves the reporting of my first late payment, which Credit Acceptance asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XXXX XXXX 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XXXX XXXX XXXX XXXX XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided.

Furthermore, I assert that Credit Acceptance has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and XXXX. 
* A comprehensive and diligent investigation into Credit Acceptance 's reporting practices to ensure compliance with the FCRA. 
* Assurance that Credit Acceptance rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, 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 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Loan servicer Aidvantage is unable to produce basic reporting for my outstanding student loans. I have repeatedly requested a simple statement showing my beginning of period loan balance, in period adjustments, and my end of period loan balance. I continue to make payments without any indication of how such payments are applied. Furthermore, I have been unable to obtain any information that could help me understand how my end of period balance is being calculated ( XXXX disclosure around capitalized interest, XXXX disclosure around balance reductions from submitted payments, XXXX disclosure around how to bridge from beginning of period loan balance to end of period loan balance ). It would be helpful for a XXXX XXXX XXXX  servicer to be capable of producing a simple statement which could help a borrower understand why his student loan balance is what it is. If community banks can do it, so can Aidvantage. The astounding lack of disclosure can only be designed for one reason : to keep borrowers in the dark and mired in an unescapable financial position that benefits the servicer 's ability to generate fees at the expense of the livelihoods of millions of innocent borrowers just trying to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: DC

Complaint narrative:
That on XX/XX/2023 I sent XXXX a fair notice of Opting out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
To whom it may concern. I am a consumer defined under 15 USC 1681a ( c ). I notice I have a charge off ( XXXX XXXX ) on my consumer credit report. According to IRS a charge off is defined as a certificate of indebtness which means it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it is illegal to report tranaction history. If not remove, I will filed legal actions. Thank you. 
In Good Faith With Prejudice By : 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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OR

Complaint narrative:
Since before XXXX XXXX has been charging my account XXXX or more times a month. Cash app, tells me to dispute, I do. Sometimes disputed while pending. Cash app allowed through. Every time. I'm told 45 days till resolution. Since XXXX, it's been 45 days. Since XXXX. It keeps happening. Contacting XXXX is a XXXX joke that's NOT funny. Cash app, does nothing contacts no one gives me NO information. Meanwhile the second I unlock card XXXX steals $ $ XXXX When card lost, new one not arrived XXXX was stealing from me.how? I never nor would I give account info out. Privileged confidential account information. Cash app had to have given it, or the " trusted '' internet information holder breached trust. Every time I deal with this agency I've been bent over. So I expect you will do nothing and find in favor of corporate criminals, so I'll thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquiries are unauthorized and are not related to any transaction by 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 non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
XXXX is claiming that equipment was not returned but it has been returned and the confirmation exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
See document attached

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 2023-12-19 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: IL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I opt out of any and all authorizations that I may have given you verbally or non-verbally, written or unwritten effective immediately and indefinitely per 15 USC 6802 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also per The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The companies involved are XXXX XXXX XXXX Capital One Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: DISCOVER BANK
State: NJ

Complaint narrative:
Already reported to Identity Theft.

The hard inquiries are result of identity theft and need to be removed no later than four business days, as per 15 USC 1681, C-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
This regards a bonus offer of {$600.00} for opening a checking account to which there would be direct deposits. The requirements were fulfilled but the bonus paid was only {$300.00}. 
When signing up for this, I was responding to a specific code. When I phoned regarding this issue, I was told I didn't have enough numbers for the correct code. But when talking with a supervisor, I was told that the bank had no record of the code which specifies all the details of the offer. Obviously, someone is lying. She claimed there never was such a bonus offer. The code is XXXX ( or could be XXXX ... can't read my own handwriting. ) It has been my experience in trying to get banks to fullly pay the bonus due that they endeavor to not pay or pay less and put up as many obstacles as possible. This is across the board with 3 banks. 
The CFPB needs to look into this issue. It is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
XX/XX/XXXX - XXXX from bank account. Called the bank. Bank gave phone number to the debt collector. Called debt collector gave lawyer phone number and they will mail me information step by step to stop the judgment, Call the lawyer, office closed. 
XX/XX/XXXX - Called lawyer office, rep unable to provide info but transfer to voice-mail and suggest to leave a message. 
XX/XX/XXXX Followed up with debt collector about the letter being mailed out, debt collector said it was mailed out XX/XX/XXXX. Debt collector offered to hand deliver the letter, we met, and I was violated and deceived because I got served notice. 
Researched information, unsure if my debt, time barred ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
For history purposes, I rented this jet ski on XX/XX/2023 for my birthday in XXXX XXXX XXXX. The jet ski that I was given was pretty scratched up ( as shown on the attached pictures ) and they didnt do a walk-around like they would in a car rental establishment to assess damages that were on the vehicle before rental, but I did not think anything of it. When I came back from the jet ski adventure an hour later, they started pointing to the scratches on the vehicle, and I said those were on the jet ski when I rented the vehicle. They then said, see these scratches are wet and were just done. I said that is stupid, the jet ski is in the water of course the scratches are wet, we argued back and forth and they told me the damages, and I said no way am I going to pay this and me and my family left and then I reported this to Citibank the moment I came back home. The gentleman I spoke to understood, that this is a common scam that happens to multiple people ( see four reviews attached just this year that show a pattern of doing this to people and link to reviews below ). I have also included a copy of the contract that I signed for your review. 

https : XXXX Further, I have attached a picture of what a brand-new jet ski would cost in Mexico which is way more than the damage they accused me of causing. After speaking to the Citibank representative, I was so sure this would be handled by Citibank as this is a commonly known scam that I thought Citibank would recognize. I am disappointed in Citibank that I should have to go to such great lengths to prove myself innocent and that I dont have any protection from people like this.

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 2023-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I noted a collection on my credit report that was not mine from Transworld Systems that noted it was for a {$310.00} debt for XXXX XXXX. I can not find any information on this power company other than that it has been sold. Transworld Systems has an online message board to enter issues to them but I have not heard a response. I have not lived in Texas nor ever had a reason to set up utilities in Texas which is where this company appears to have been in business. I have had several other fraudulent utility collections for power accounts in Texas despite a fraud alert on my credit report. The validation of my identity is not taking place. I have entered disputes with XXXX and XXXX with no results so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has made an error and placed a number XXXX  at the end of my name. 
i.e. - XXXX XXXX XXXX It shows as that name on the dispute reports under personal information. Because of this error in my name, the system is producing error codes and not pulling my credit information. 

I've sent in on 3 occasions my ID, proof of address, ssn card, with no luck. 

My phone number is also incorrect XXXX is wrong. 

Update my number to XXXX

Company response to consumer: Closed with explanation