vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear [ EQUIFAX, XXXX XXXX and XXXX ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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 XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a Vanilla Gift Card worth {$20.00} and on XX/XX/XXXX I noticed a purchase that I didnt make worth {$11.00}. So on the XXXX I called to make a complaint about that and they made a case for me regarding that and sent me a confirmation email that they made the case, but that day I had made it they said that since it was a small amount that it would take a day or two compared to other cases. So that next day on XX/XX/XXXX I made a call to VanillaGift Cards this time to ask about the status of the Case because when I go on the website to check the information its not allowing me to go in, so the guy I talked to said that now all of a sudden my case is going to take 90 days or more and Im beyond upset because I really need that money because Im hungry and that was my source to get more food for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
I had recently contacted all three major credit agencies. Equifax, XXXX, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
I had recently contacted all three major credit agencies. XXXX, XXXX, and Experian. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.

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 2023-12-30 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:
I am writing to file a formal complaint against TransUnion, for their failure to comply with their own policies, their apparent non-compliance with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. TransUnion has failed to adhere to its own policies and the Fair Credit Reporting Act ( FCRA ) by not processing my credit report dispute within the legally mandated 30-day timeframe. Despite my timely submission of dispute documentation and supporting evidence, TransUnion has not taken the necessary steps to investigate and rectify the inaccuracies on my credit report. TransUnion has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, TransUnion has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that TransUnion actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. TransUnion failure to do so raises concerns about their compliance with legal requirements.

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 2023-12-30 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: MA

Complaint narrative:
I charged XXXX to my Citibank credit card on XX/XX/. I did not receive the service/product from XXXX. XXXX, issued 2 credits to be applied to my citibank credit card as a result. The first for {$240.00} appeared correctly on my citibank statement on XX/XX/. Citibank never processed the second credit of {$470.00} which you can see by the attached email from XXXX that XXXX acknowledges they sent the credit to Citibank on XX/XX/. 

I have formally disputed with Citibank that the credit never appeared. The first formal dispute was filed on XX/XX/ with this evidence. Citibank credited my account, then applied the charge back to my account for a net {$0.00} credit. 

I then disputed the lack of credit again via phone cases where I was promised the credit of {$470.00} would be applied on the following consecutive dates : Dispute # XXXX : XX/XX/ Dispute # 3 XXXX Dispute # 4 : XX/XX/ Dispute # 5 : XX/XX/ Through these various disputes and calls Citibank indicated they used a 3rd party dispute agency which indicated I did not provide enough evidence that the credit had been sent by XXXX despite the direct evidence ( email from XXXX ) from XXXX to the contrary. I reminded the Citibank agent that on the original dispute I provide an actual email from XXXX on XX/XX/ indicated they had sent the {$470.00} credit to Citibank on XXXX. See attached evidence. 

Therefore I am still owed a credit of {$470.00} that XXXX sent to Citibank yet Citibank will not apply my merchant 's credit to my account. 

Please advise,

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 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I was sold the wrong vin of XX/XX/XXXX. Ally and the dealership reneged the loan. To fix selling me the truck to cheap. I was originally financed at XXXX through Ally Bank XXXX XXXX. And I believe I was paying on two trucks at the same time because after they took the pick up, they credited back the money and took all the late charges off. It was originally through Ally Bank, and then it went through Ally financial. And after they sold the vehicle, I was never returned my equity in it, and they refused to provide paper showing where the money went. every time I contact them they just change the paperwork and send me new stuff. and as of now they wont even return my calls, and they have no information for me. The Tile they use in court is not a real title as it doesnt have the seal of Oregon in the middle. When I research the Vin. It shows both the trucks that I have the Vin on moving at the same time to XXXX dealerships. Then the color changes to the white one that I was originally sold. And the truck disappears. It also shows the first sale being made in XXXX. What Allie does is just transfer me from department to department and then disconnects me. It shows that I was paid out ahead when they took the pick up now after they repossessed it I was dealing with two different lawyers in Washington and a debt collector all at the same time in ally wouldnt help with anything.

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 2023-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a general public benefit complaint not just for me. 

Department Stores XXXX XXXX and Macys XXXX have a store credit card. Macys also has a loyalty program called XXXX XXXX. If you purchase any item they issue star points which can expire ( and they remind you to use it ). However if you return an item they do not refund the full amount back to you if you have used XXXX XXXX. They deduct something which is a loyalty reward ( that no one asked for in the first place ). This is misleading and disingenuous.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Hi CFPB, I applied for a business checking account with XXXX Bank upon which, after maintaining a {$5000.00} average ledger balance for three months and performing 20 debit card purchases, I would receive a {$200.00} promotional bonus. I have not yet received this bonus after nearly six months and I would like to request your help to obtain this, as PNC has not been helpful in responding to my inquiries nor have they credited my account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-12-30 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: EdFinancial Services
State: WA

Complaint narrative:
I have sent multiple messages asking why my payments keep getting " reversed '' and all I get is silence. 
I have another loan that I pay with Ed Financial using the same bank information and I have no issues there, but for my primary account, it keeps reversing my payments. I had the autopay set up months before payments officially began again but only this account gets the payments reversed. So far it's been 4 months and they haven't reached out to me in any way other than automated messaged I've missed my payments. 

I have PDFs and everything but unsure to include them here given the " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account '' I have more than enough money to make my payments but Ed Financial is just extremely untrustworthy in my eyes. I've known other people who've had the same problem. 

Thanks for reading, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DriveTime
State: TX

Complaint narrative:
I was called by a man identifying himself as a process server named XXXX XXXX. He informed me that he was hired to notify me about a lien against my house and to call XXXX XXXX XXXX. He provided their number and a case number. He then said this is an official notification that I have been served. 

I called a lawyer and informed them of the incident and was advised to call the number and to inquire if it they are suing me, and to get the details of the supposed debt. His office was unable to find a case number in any nearby county that matched the case number provided. The lawyer also informed me that you can not serve someone over the phone.

I called the number and was informed of a debt where the details of the supposed debt do not match a historical debt that is too old to collect and sue on. I asked several questions to inquire about the claim and the supposed lawsuit. I was asked many times about a letter that I never received. When I asked if they needed a response from me, why didn't they send the letter certified mail or serve me with papers in person, I was told someone would be at my door within the hour. This is the next day, and no one has shown up. I was given the name of XXXX XXXX as the lawyer in charge of my case, but when asked about a BAR number or any identifying information about the lawyer, I was told it will all be on the paperwork served to me and was promptly hung up on. 

I'd been given non-legal advice to wait to be served in person or on my front door, before contacting this company any further.

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 2023-12-30 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a charged from a business account to my personal account. I never agreed to the charge or fee. This is setting my account to be negatively affected to my Bills.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XXXX 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 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
On XX/XX/, the XXXX  Homeowners Assistance Fund, made a mortgage payment of {$6000.00} on my behalf. However, this payment and subsequent, on time payments, for the last several months was not applied to my loan until XX/XX/, and after, leading to an erroneous notice of loan default and intent to foreclose received on XX/XX/. This mishandling has occurred despite repeated communications with the mortgage servicer to rectify the situation.

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