vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: TN

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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: PA

Complaint narrative:
First Progress Card is reporting me Adverse and negative on my credit report. I tried to contact First Progress Card to report Identity theft but the representative was not helpful and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Horrible credit practices with both Experian and XXXX XXXX. Non stop emails received daily claiming Open this new credit card to increase your score. My score was XXXX XX/XX/2023. I paid off a house mortgage, paid off student loans, paid off vehicles and my credit score is XXXX points lower. No late or missing payments in the past year. Any current cards are below 25 % utilization.

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 2024-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding the mismanagement of my Kohl 's Credit Card account. Despite completing the online application process and receiving approval, my experience has been fraught with significant issues. 

Upon approval, I received a digital card with incomplete identifying information and have not received any subsequent statements or notifications. This lack of communication has left me in the dark regarding my account status. 

To compound matters, upon logging into my account, I was startled to discover a payment due in just two days. This unexpected demand for payment, coupled with the absence of prior notifications or statements, has put me in a challenging position. 

Despite my repeated attempts to contact Kohl 's customer service for assistance, I have been unable to reach a representative to address these urgent concerns. 

I am deeply troubled by the lack of transparency and communication regarding my account status, and I urgently request your intervention to rectify this situation. 

Thank you for your attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that Experian, XXXX, and XXXX STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to Experian, XXXX, and XXXX on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.

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 2024-02-10 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 2024-02-10 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: AL

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Two different deposit amounts for {$74000.00} and $ XXXX deposits show a date of XX/XX/22 on the letter from the prevention contact center from Wells Fargo it reads the funds were held while the review was made and based on the review the funds were now made available on XXXX online access to my account that I was monitoring hourly throughout the day was suddenly blocked and my account was closed or I was not authorized to access the online banking the funds I couldnt see what was going on I was out of the country for the weekend.I found out I didnt have the authority to cash a third party check in my account thru the atm and in order to open my account back up I need to bring the third party in with me to sign or endorse the check to me in the presence of a teller case number # XXXX noticing a discrepancy in the amounts and once I was able to regain online access I tried to request statements but they were not ready and then the sudden death of the party I was just in the bank with clearing up the endorsement issue caused me to set aside the documents I still seek clarification on I would like to know what happened to the funds that were made available during the time I was unable to get any access to online banking and my debit card was deactivated so please let me know

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 2024-02-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX, I took out two loans in the amount of {$55000.00} each from Mosaic ( joinmosaic.com ) which had 0 % interest if the loans were paid back within 18 months. The first loan was due to be paid XX/XX/XXXX. The second was due XX/XX/XXXX. 

On XX/XX/XXXX, I made an electronic payment on the Mosaic website to pay-off the first loan due in the amount of {$30000.00}. This was not abnormal as I had already made payments in the amount of ~ $ XXXX to pay off this loan. I called Mosaic several times between XX/XX/XXXX and XX/XX/XXXX of XXXX to ensure the payment had gone through. On XX/XX/XXXX, I received an email from Mosaic stating " We're writing to let you know that your payment of {$30000.00} has been received by Mosaic on XX/XX/XXXX. '' However, on XX/XX/XXXX, Mosaic sent me a follow up email stating my payment had not gone through because my " Account ( was ) not found ''. I then promptly made another payment and by XX/XX/XXXX, had confirmed the original loan amount had been paid off in full. 

However, Mosaic then charged me approximately {$8000.00} in accrued interest saying I had not paid the loan off in 18 month 0 % interest period. This was despite several phone conversations with Mosaic officials between XX/XX/XXXX and XX/XX/XXXX confirming that they would not charge me accrued interest. 

Furthermore, given I had a second {$55000.00} loan due to Mosaic on XX/XX/XXXX and wanting to avoid any issues with online payment, I sent Mosaic a check in the amount of {$55000.00} to pay off the second loan with the loan number clearly marked on the check. However, Mosaic instead used this check, despite being clearly noted for my second loan, to withdraw the ~ {$8000.00} they were charging me for the first loan 's accrued interest. Fortunately, I was able to payoff the second loan in time with the full {$55000.00}, but if I had not had the funds readily available, Mosaic would have charged me an additional ~ {$8000.00}. 

After calling Mosaic repeatedly from the end of XXXX through XXXX, Mosaic did agree to send me a refund on the interest accrued payment. They sent me written notification of this on XX/XX/XXXX. But then they never sent me a refund. I tried calling them again to see why they had not returned my ~ {$8000.00} in accrued interest despite sending me an email saying they would and was given no response by the call agents or managers I spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: UT

Complaint narrative:
Fraud account with XXXX XXXX XXXX XXXX XXXX and while my credit is on freeze. This is now the fourth time. Good job America stating a credit freeze will help. False address is Address : XXXX XXXX XXXX Texas XXXX. Received a letter from Online Information Services with reference number XXXX Pin XXXX. On that letter the account number for XXXX XXXX is XXXX. XXXX owed {$470.00}. Called the not so helpful help line for XXXX XXXX and that can't seem to realize I've never lived in Texas ( as all of these accounts are Texas based ) and never will, they're having me file a report. I'm attaching my prior reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was in contact with XXXX XXXX XXXX and Amex since XX/XX/23 about the transfer of my total miles of XXXX from account # XXXX to account # XXXX connected to my Amex card which only has XXXX as of today. This conversation took place as stated back in XX/XX/23 and the miles never reached the account connected to the Amex card after doing what I was asked to change my last name so the transfer could be completed. I continue to receive updates on account # XXXX but never communication about the transfer of the miles being transferred over after updating my last name as I was told to do to receive my miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Horrible credit practices with both XXXX and XXXX XXXX. Non stop emails received daily claiming XXXX this new credit card to increase your score. My score was XXXX XX/XX/year>. I paid off a house mortgage, paid off student loans, paid off vehicles and my credit score is XXXX points lower. No late or missing payments in the past year. Any current cards are below 25 % utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL

Complaint narrative:
They ignored the letter that was sent. They kept sending collection notices. They do not have a phone number to contact to explain the situation. They only provide letters of collection with threats of suspension of driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management purchase my debt from XXXX XXXXXXXX XXXX  now charging me more then my past account. I never signed any documents to sell or send any of my personal information to a 3rd party which violate Section 809? Validating Debts required them to send me information I never received from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX, XXXX XXXX, XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX, XXXX XXXX, XXXX has admitted that I was in fact a victim of this data breach and XXXX, XXXX XXXX, XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX, Trans Union, XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX, Trans Union, XXXX has admitted that I was in fact a victim of this data breach and XXXX, Trans Union, XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.

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 2024-02-10 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XX/XX/year> initial payment for online purchase with XXXX XXXX. 

It was reversed and Chase had retuned the money for I had cancelled my purchase due to the seller delaying the shipment of my purse. 

Chase then closed the claim and just yesterday XXXX XX/XX/year> XXXX took the money out once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Ive been trying to purchase a home and purchase a vehicle but my consumer rights have been tremendously violated by several collection companies listed below as well as the 3 major credit bureau ( XXXX, XXXX, and XXXX ). Which have violated federal laws while being knowledgeable of these violations. 

These companies are reporting fraudulent inaccurate information on my credit report. According to 15 USC 1681g, 15 USC 1681 ( a ) ( 4 ) and also 15 USC 1681 there should not be any damages on my report. These companies are all in Violation of my rights and its a defamation of my character. I have requested some creditors to provide the purchase agreement to show full ownership of an account and also any other documents and proof of chain of title. 

XXXX XXXX XXXX Account XXXX XXXX Balance {$430.00} reporting due as XX/XX/year> They are not the Original creditor The original creditor would be ( XXXX  ). 

XXXX XXXX XXXX Account # XXXX Balance {$420.00} reporting due as of XX/XX/year> They are not the Original creditor The original creditor would be ( XXXX XXXX XXXX ). 

XXXX XXXX Account # XXXX Balance {$1300.00} reporting due as of XX/XX/year> when the account was charged off XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be also in violation of consumer laws. 

XXXX XXXX Account # XXXX Account is reporting closed and is a violation of my rights. 

XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be which is in violation. 

XXXX XXXX XXXX XXXX Account # XXXX Balance of ( {$4700.00} ) is reporting due when this account was charged off at ( {$8800.00} ) and written off at ( {$4700.00} ). 1099-C Identifiable Event Code Event code 7 ( states a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation