vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: NY

Complaint narrative:
I made a return to XXXX XXXX in XXXX NY. I didn't receive a refund or proof of refund from the business so I filed a dispute with Citibank. Citibank showed a refund in my account from the business and I received a receipt from the business for the refund, so I cancelled the dispute. I then learned that it wasn't actually a refund, it was a conditional credit from Citibank that was then taken back from me when I withdrew the dispute. Citibank says there is nothing they can do because once you close a dispute they can't reopen it. The business says there is nothing they can do because they issued the refund to Citibank. I have no idea what to do.

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 2023-11-30 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: FL

Complaint narrative:
These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

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 2023-11-30 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act 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 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 ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

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 2023-11-30 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: MO

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted my sponsor about account sponsor told me to contact Bof and tell them back date claim from further dates which they stated should have done with first claim they then addressed the claim back darting from XX/XX/XXXX tell XX/XX/XXXX how ever I was told by multiple supervisor I would receive my provision credit with in ten days so I made living arrangements because Im homeless however they did follow guidelines claim is one whole claim but it has been separated to look like many it un ethical for this matter to even take place fdic says my money is insured up to XXXX so where are my grantees from this bank

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 2023-11-30 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: KY

Complaint narrative:
This letter is to inform you that recently received a copy of my credit report that your company publishes and after receiving it i found a number of items on the report that are inaccurate. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. If you do not have documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Please don't respond to my request by saying that these accounts have been verified. 
XXXX XXXX XXXX . Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: Pacific Credit Exchange Corporation
State: CA

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

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, Capital One reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score 80-90 points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called Capital One on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with XXXX on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of 4 homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in Airbnb charges. The Capital One must pay for this cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
Ive been calling Lakeview/Loancare since XX/XX/XXXX, I wasnt alerted as the consumer until XX/XX/XXXX that the website is experiencing a cyber attack. I havent been able to reach a representative due to the 5 customer service numbers. Ive been told I wont be charged a late fee and my information wont be reported to the credit bureau. Unfortunately they failed to alert myself of the security attack. Ive been asked for my full social security number and banking information which I feel very uncomfortable about. Since the issue isnt fixed and their negligence is causing massive panic Im filing a complaint. Their professionalism is non existent and unacceptable.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
In XX/XX/2023, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/2023 ). The student loans continued to show on my credit report. In XX/XX/2023, I filed disputes with the credit bureaus which were closed when Mohela incorrectly reported that my loans still maintained a balance. I emailed Mohela and recieved no response. I think called Mohela and was told the credit reporting process had started in XX/XX/XXXX, but could take up to 90 days ( I was given a day in early XX/XX/XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/23, I called Mohela. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for 108 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
" According to the Fair Credit Reporting Act 15USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies use their grave responsibilities with fairness, impartiality, and a respect for my consumer 's right to privacy. '' Transunion is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which express " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's non public personal information '' ( Furnisher of information to credit agencies ) the financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion do not have my written or oral consent to furnish this information .Any and all consent to Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also the 15 USC 1681C ( a ) ( 5 ) says " Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Transunion are not maintaining reasonable procedures. As well 12 CFR 1016 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

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 2023-11-30 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:
I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1975, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: IL

Complaint narrative:
I reached out to the credit reporting agencies and informed them that the inquires which I will include below and attach a document were unauthorized but I didn't receive any help or response. I reached out on XX/XX/2023. I have also included the rules and regulation below for such cases. 

Transunion Report XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 18 U.S. Codes 1028A Aggravated identity theft

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 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
This company is not licensed to operate in the state of Georgia and charges an interest rate of 517 % which is also far above the interest rate legally allowed in the state of Georgia.

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 2023-11-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
I have a collection account which still shows as a collection account but the account has been settled and closed from the collection company, account was settled for an amount and amount settled for paid-off in full and so collection should be removed from my record saying its a collection account and i still owe the account when I don't. 
collection account name : XXXX XXXX XXXX this account has been settled and paid-off

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 2023-11-30 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: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-11-30 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: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-11-30 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: MO

Complaint narrative:
Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and today alone experian closes 3 complaints without resolving the issue and once again give ridiculous explanation that has absolutely nothing to do with the complaints

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 2023-11-30 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: MO

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-30 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

Company response to consumer: Closed with non-monetary relief