vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear XXXX, I am writing to bring to your attention a concerning issue regarding my Citi credit card account and the XXXX Account Number feature provided by Citi. 

On XXXX, I deactivated a XXXX  Account Number ( XXXX ) created with Citi, which was used for a trial with the merchant XXXX. Despite deactivating the account and setting a hard limit of XXXX, Citi allowed XXXX to process charges after the deactivation date and in excess of the preset limit. This directly contradicts the assurances of account privacy, security, and user control promised by Citi through the XXXX Account Number feature. 

Specifically, there are XXXX charges totaling XXXX, dated XXXX, XXXX, XXXX and XXXX. All XXXX charges were incurred after the account deactivation date and exceeded the set limit. This situation represents a breach of contract and false promises made to the user. 

Therefore, I am formally requesting a refund for these unauthorized charges. I trust that Citi will promptly address this matter and take appropriate action to rectify the situation. 

Thank you for your attention to this matter. 

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 monetary relief
Consumer complaint received 2024-05-02 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:
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 2024-05-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no idea what this Debt is from for the Amount of {$970.00} i WANT THIS REMOVED THIS IS IDENTITY THEFT & FRAUD I want this debt removed immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: MO

Complaint narrative:
Hello, I want to notify you that I did not provide any expressed written consent or authorization to any third-party consumer reporting agency to furnish data on the following accounts. As an individual, I have the right to privacy. Please be reminded that any unauthorized use of my personal information is considered identity theft. Please remove Inquiries within 4 Business days to avoid legal actions 1. XXXX XXXX. XXXX XXXX XXXX XXXX Therefore, I kindly request you to promptly remove this data within XXXX business days under 15 USC 1681-c-2 to avoid any further legal proceedings. I appreciate your quick compliance. Thank you.

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 2024-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing to express my deep concern and frustration regarding a lease agreement I have with American Honda Financial Corp. for a XXXX Honda XXXX. As a long-standing and loyal customer of Honda vehicles , I have always valued the quality of their products and services. However, I find myself in an unprecedented and untenable situation that requires urgent attention and resolution. 

In late XXXX, my parked vehicle, the XXXX Honda XXXX, was unfortunately side-swiped, resulting in significant damage to the passenger side-view mirror and its assembly. Despite my diligent efforts to procure the necessary replacement part, I have been informed that it is currently backordered with no definite timeline for availability. This has left my vehicle with an expired safety inspection sticker, as I am unable to pass the inspection due to the broken mirror, posing a significant safety concern. 

I have reached out to Honda Corporate Office in an attempt to expedite the procurement process for the replacement part. However, after placing an order, which was subsequently canceled without my knowledge, I was informed that the part may not be available until midXXXX, with no guarantee of timely delivery. 

In light of these circumstances, I contacted XXXXmerican Honda Financial Corp. to explore the possibility of returning the leased vehicle and having the remainder of my lease payments waived, considering that I can not safely drive the vehicle due to the unresolved issue. Regrettably, I was only offered a two-month deferment on my lease payments, which does not address the fundamental issue at hand. 

I am deeply troubled by the prospect of being penalized for a situation that is beyond my control. The suggestion of an early lease termination fee of nearly {$4000.00}, in addition to the balance of the lease agreement, is both unjust and unreasonable. As a responsible consumer, I believe it is imperative to seek a fair and equitable resolution to this matter. 

I implore you to intervene on my behalf and advocate for a solution that allows for the timely return of the vehicle without incurring undue financial burdens. I trust that your agency will prioritize consumer protection and ensure that my rights as a customer are upheld. 

I've attached email documentation with my attempts to resolve the matter and proof of the ordered part. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, I looked at my report. I sent a letter to XXXX and equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX XXXX, XXXX XXXX Also a XXXX XXXX account that synchrony doesnt have any info on. 
Also the account XXXX uplift XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TN

Complaint narrative:
My bank XXXX sends my student loan payments automatically every month to Mohela, it has been setup this way for a few years. This year Mohela has stopped processing the checks in a timely manner or in the case of these past 2 months worth of checks they are not depositing them at all. 

Calls to Mohela are pointless with hours long waits and representatives unsure of what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any inaccurate accounts from my credit report. Could you review the documents? Several of the accounts listed contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Credit Collection XXXX, XXXX XXXX  XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

DISCOVER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NV

Complaint narrative:
debt collector called I tried to dispute the amount and let them know the apartment said I would not be charged asked for it to be removed they would not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of account information regarding Account Number XXXX, reported on XXXX. XXXX, XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$0.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received an email from XXXX XXXX today. That said I have a new collections so I went to go check the new collections upon reviewing the collections. It showed me that a company called Jefferson system has taken on a debt collection from XXXX of {$1300.00} or so. Ive never opened an account with XXXX in my life or have even stepped foot in a XXXX. Ive only ever had XXXX or XXXX  so Im wondering if someone stole my identity to open an account or whats happening but my credit score went down XXXX points and its unacceptable. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's required by FCRA XXXX that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive XXXX for each inaccurately reported item on my credit file.

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 2024-05-02 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: CL Holdings LLC
State: MI

Complaint narrative:
A fraudulent account was opened in my name on XXXX XXXX with XXXX XXXX. Ive contacted the creditor and attempted to have it removed as well as disputed the account with the credit bureau. The account now reports as Jefferson Capital with no Validation of contract and existing business as requested. Nothing was received within 30 days or ever therefore my consumer rights were violated and Im prepared to pursue litigation. The account is reflecting a balance of {$810.00} and XXXX is allowing the account to report without proof of my business dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was paying experian to view all three credit scores every month. The next Due Dat to refresh my scores was on XX/XX/year> I tried to refresh and got an error stating XXXX does not have matching information and that I should get a copy of XXXX report and submit it to them and that should fix the problem. I did that and that didn't fix problem. I kept calling to advise texperian of that, and every time I call them I get a different reason as to why I still can't see my 3 scores. This is now XXXX and I still can't see my scores. They said it was escalated, they escalated a month ago. I am thoroughly annoyed. The customer service is horrible. I've lost my temper a few times, but again, I've been dealing with this for 4 months now.

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