vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. These companies have violated my rights as a consumer No privity of contract exists only between the parties ; no third party can obtain rights continued within a contract or the buyer-seller of a contract without the express written permission of the original parties. Midland Credit Management account number : XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. These companies and the sellers have violated my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with Transunion via phone on XX/XX/2023 after I had issues filing online via laptop and mobile device. The representative told me to send in my documentation by mail since I did a phone dispute. I received a letter dated XX/XX/2023 ( Two days after I filed the dispute ) that stated the debt was valid. They had not received my documents yet. So I called Transunion to inquire and found out that once they received my documents they reopened my dispute and again did not change anything and stated the debt was valid. I contacted Transunion after my dispute came back as validated for the second time and no change to my credit report was made. I sent them a copy of the results from my dispute with XXXX as well as the exact same documentation I sent to XXXX. After speaking with a representative on XX/XX/2023 I requested a supervisor contact me so I could get more information regarding the dispute results. The supervisor from Transunion contacted me the morning of XXXX XXXX. When I requested to know how they came to the conclusion that I am responsible for the amount shown on this debt, she proceeded to tell me that they contacted the collection agency electronically and that they responded with " it is accurate ''. I then asked was there any proof of any kind to show that the amount was accurate and she is either refusing to provide what was sent or there was nothing sent except for a statement. When I pushed to know how this works for the consumer when I have requested information from the debt collection agency and they refuse to send it to me she stated that they contacted them electronically and the debt is valid and repeated this several times. At no point was there any information given to me that speaks to a true investigation on Transunion 's part. Again I sent Transunion the exact same letter and information I sent to XXXX but got a different result. I believe that Transunion did not truly reopen the investigation once my documentation was received. I do not believe they contacted XXXX XXXX XXXX once the my documents arrived. A 2 day turnaround doesn't seem like an investigation to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There was a change of address listed on my XXXX XXXX XXXX XXXX. It is a fraudulent address. 

My real address is listed as old 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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I hired an independent contractor to build a porch. We communicated both in person and via email. He said he required no $ down until the job was finished but I then received an email from him requesting 50 %, {$2100.00}, due to the high cost of supplies. I sent it via XXXX to the link he provided. When the job was completed, I said that I had paid him 50 % and he said he had never requested that. I showed him the email and he said it was not him. I contacted BOA immediately and filed a complaint. They temporarily refunded the # but took it back on XXXX after they sent a letter saying they were unable to approve the claim. They furnished the recipient providers name, XXXX, their email, XXXX, and their phone #, XXXX. I went to the XXXX, NY office and spoke with XXXX, who put me on the phone with XXXX from their fraud dept. She said it did not fit their definition of fraud and there was nothing more they could do. I then spoke to one of her supervisors, XXXX, who also said the same thing. He said he was giving it to their scam tracker dept. but that there was no way I could speak with them. IF they recover the XXXX I will get it back. I told him that I was reporting this to the XXXX XXXX XXXX XXXX XXXX who has now forwarded it to you, I believe, and the BOA and also suggested that I file a complaint with your dept who has jurisdiction over the subject matter of my complaint. I do not understand why the BOA is not more persistent in recovering the XXXX We have been with BOA for decades. I am hoping that you can be more affective that the BOA. Sincerely, l XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My credit card number was stollen around end of XXXX of XX/XX/2023. We notified Citi immediately and received a new card, however the fraudulent charges were never reversed for us. I have called Customer Service a couple of times and all these months later no action has been taken. It was only about {$70.00} but it is the principal with this institution. The charges could have been more substancial and at this point I feel totally unprotected with this bank. It was also very simple- all charges were made through XXXX out of XXXX, while our family was here in the US- the investigation should have taken no time at all and our accout made whole 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 monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-29 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681 et seq., explicitly safeguards the privacy and rights of consumers about the collection, dissemination, and use of their personal information by consumer reporting agencies. Section 604 of the FCRA ( 15 USC 1681b ) establishes that consumer reporting agencies may only furnish a consumer report under specific circumstances and with the written instructions of the consumer to whom it relates Navy Federal has shared my private information with a third-party agency, XXXX XXXX XXXX without securing the necessary written consent from me. This act not only violates the FCRA but also infringes upon my right to control the dissemination of my personal information. 
Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I am concerned that the disclosure of my information may not have met the accuracy standards required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: LA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I accepted AmEx card in XXXX XXXX with an advertised 0 % interest rate through the billing period ending XXXX XXXX, per offered terms. I then used the card to pay for XXXX XXXX XXXX points sold in XXXX along with this AmEx card promotion. I was, however, charged {$530.00} in interest with my statement that closed XXXX even though I paid my balance in full on the account XXXX. 

Note that I later contacted AmEx by phone to understand/confirm when I'd need to pay this balance to avoid interest with a clear indication that if I paid the XXXX statement by the XXXX due date that I'd avoid interest. 

By AmEx 's own admission, I should be rebated this interest charge based on the sentiment of their own supervisor who on my XXXX call with him said he understood my issue and it made sense to him given my payment history, and he was therefore submitting for investigation. Then, when I called back XXXX for adjudication status of investigation, that representative, while saying nothing favorable would be done for me, conceded that she can see I was previously told that if I paid my balance for the XXXX statement in full by my XXXX due date, I'd avoid interest. 

If not for this incorrect and/or deceptive guidance, I could have avoided these interest charges. I made every good faith effort to comply with the terms and conditions but have been charged this unreasonable, usurious rate in excess of 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-29 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: FL

Complaint narrative:
On XXXX XXXX I was alerted by my XXXX XXXX credit card that fraudulent charges were being made through my XXXX account by an XXXX XXXX XXXX XXXX XXXX, Texas. I immediately called both XXXX XXXX and Citicard to close the accounts and refute the charges made. Citicard had three charges : {$24.00}, {$24.00}, and {$19.00}. XXXX XXXX had two charges of irrelevant amounts. XXXX XXXX and Citicard both immediately refunded my account for the charges made and issued me new cards. Meanwhile, I was never able to fully secure my XXXX account. I took my computer in to XXXXXXXX XXXX and even they, while working with XXXXXXXX XXXX, were not able to keep the hackers from getting back into my account. The best we could do was delete everything and never use XXXX again. A few weeks later, Citicard reversed the credit claiming that the charges were legitimate. They said because at one point in time I purchased XXXX XXXX XXXX XXXX, all the charges made from a completely different XXXX XXXX were therefor legitimate. I then submitted the police report number ( XXXX ), the screen shots, the nasty email from the hacker, as well as had the technicians from XXXX XXXX provided their documentation of this hack and fraudulent purchases. In XXXX, I saw they credited two of the charges, but left one of the {$24.00} charges on my bill as a legitimate charge. I canceled the account entirely but the agent I was speaking with promised me he could fix this and maintain me as a customer ( which I have been for almost 20 years ). Six weeks later, I'm still being billed for the {$24.00} and the only explanation is that I made an actual charge with XXXX at one point in time. The agents can see I should not be billed, but the investigation team seems to be unwilling to see the obvious : that this {$24.00} charge should be treated the same as the other two charges made at the same time from the same XXXX XXXX over a thousand miles away. Every time I call, they say they are fixing it, but it's been two and a half months and this bill is now due and I don't trust them to follow through. I no longer have my credit card number because I destroyed the cards. The original card was replaced with one ending with XXXX. I closed that account entirely and the new account the opened and transferred my remaining charge to ends with 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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
Before repayments began in XX/XX/2023, I was automatically enrolled in the SAVE repayment plan. The policy of this program is that when the minimum payment is made the remaining interest is eliminated thereby interest no longer ballons. However, MOHELA has not done this on my account. Even after I made my first minimum payment XX/XX/2023, they continue to add interest ever several days per loan. This continues to happen to present day, again even after I made the minimum payment. I verified with the Department of Education that the interest on the SAVE plan is to be eliminated for the month in question after the minimum payment is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Credit Glory LLC
State: SC

Complaint narrative:
I was notified recently that the Credit Glory the company that promised to remove any negative reporting to my credit report and charged me a {$1.00} dollar fee up front and then an upfront fee of XXXX to remove negative reporting was not suppose to charge me fees upfront. They did not remove what they promised and then I found out that credit Glory allow my personal credit to stay on their employees personal computers. This is happening with all the employees withing their company. I hired them about a year ago an they told me they would fix my credit report within 90 days or I would receive my money back, I never received my money back nor did they remove the what was promised. 
Employees, have come forward and admited that this company is not working in the best interes of the consumer and what they are doing is not legal and this is why i am filing a complaint. I was was not aware that i was not suppose to pay an up front fee. I am requesting XXXX in returned funds. I have three employees aval to speak on my behalf that this should have never been done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
According to the West Virginia Secretary of State, as of XX/XX/2023, XXXX XXXX XXXX have XXXX ( XXXX ) Liens filed. XXXX XXXX XXXX is not indebted to any Corporations. 

Please see Attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed 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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed 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 explanation
Consumer complaint received 2023-12-29 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: NC

Complaint narrative:
I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 ) and section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under law 15 USCS 1666b a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose or have unauthorized hard inquires on their report without consent from consumer.

Company response to consumer: Closed with explanation