vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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: Phoenix Financial Services LLC
State: CA

Complaint narrative:
My XXXX  credit report has been viewed without my consent. I do not recognize this company : PHOENIX FINANCIAL SERVIC Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I going through a divorce and was trying applying for a place to live when I discovered this collections. I reach out to dispute and proof of this collection never received info. Instead a false payment of a {$1.00} was added to the account as if I had made a payment and I clearly did not. Requesting immediately removal of fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I recently opened a Best Buy credit card issued through CitiBank. On XX/XX/2024 I purchased a tv antenna from Best Buy.. The total price including sales tax was {$53.00}. At the sale register I explicitly said I did not want to put this charge on my Best Buy credit card. I said i wanted to use XXXX XXXX on my cell phone to charge it to my bank credit card. The Best Buy associate need to place the charge on the credit card device so I could use my cell phone. A couple of days later I checked to see if a payment I made has posted at which time I saw the {$53.00} charge that should not have been there. I called the phone numbers I had and talked to a man I think was at Citibank. I explained the problem and he helped me file a dispute. Over the next several days and weeks I used screen prints and and printed details of my XXXX XXXX card showing the payment was made to that card. I sent those in the comment section of the dispute and made additional phone calls. on XX/XX/2024 I received a letter from Best Buy Credit Services that included a number to fax additional documentation. I faxed the data I had copied from my XXXX account showing the {$53.00} had been paid by my XXXX  XXXX XXXX XXXX XXXX. I made another call with no results. The charge is still on my Best Buy card.

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 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc
State: SD

Complaint narrative:
They provided me with itemized account services that was it. After months of phone calls and then told me they would have police come arrest me at work I agreed to contract under duress because didnt want to lose job. Well now I know that was illegal which should void that contract. Also just recently I learned that they are it allowed to reage the account and they did that they are collecting from things all the way back from 2011  which also illegal only XXXX years statute of limitations. They changed all the dates to be with in the statute of limitations so they could collect. I was in aware of this being illegal and I was nervous about losing job that just started at the time. Also they told me that all the debts were mine even before getting chance to have it validated and when I told them that kit all debt was mine they told me I already made an agreement that it dont matter if it my wifes or step kids and still now that Im divorced Im still paying for them and she makes more than me. That is illegal as well because I told them the entire debt wasnt mine but they refused to listen and told me too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank has changed its lending practices and is now restricting individuals who only receive non-taxable income from applying for XXXX XXXX credit cards. My uncle died last week, and I wanted to return to CT for his memorial service. I have GOOD credit with XXXX XXXX and, during the pandemic, applied and was approved for a card through them to fly. They recently discontinued their program, and now the only cards they offer are backed by Citibank. Citibank 's process prohibits consumers from applying if their total income is non-taxable. For instance, if you are a veteran and totally XXXX, you are restricted from completing the Citibank application process or claiming your total income as non-taxable. I believe their lending practices are discriminatory toward individuals whose sole income is non-taxable and specifically target and restrict people whose total income is XXXX or XXXX-based. Their process never included this caveat until now. I believe it to be a prejudicial and discriminatory lending practice. Based on their current lending practices, they should be prohibited from contracting with the U.S. Government. I was restricted from completing the application process, and unable to apply over the phone due to my XXXX. Citibank provides no other means for contacting them via e-mail, and I do not use social media. I find their NEW guidelines and restrictions on creditworthiness elitist and prejudicial.

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 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XX/XX/ ( 1 yrs, 4 mos ) Open - Individual Placed for collection XXXX GENESIS FS CARD SERVICES INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer rep

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 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer rep

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: GA

Complaint narrative:
In the recent Credit File Disclosure provided by TRANSUNION, there are several reporting practices that explicitly violate the consumers federally protected rights. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 C.F, R 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, TRANSUNION is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting AND 15 U.S. Code 1681e - Compliance procedures specifically Accurate Reporting. Transunion is now committing willful noncompliance and negligence. TOTAL LIST OF THE inaccurate items reporting without consent are highlighted in the attached Credit Report and outlined in the letter sent XX/XX/XXXX. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGULAR INQUIRIES : 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 All checking account and XXXX  ACTIVITY YOU HAVE NO CONSENT TO OBTAIN AND/OR SHARE THIS INFORMATION AND YOU FAILED TO PROVIDE OPT OUT NOTICES FOR CONSUMER TO REVIEW THEIR OPTIONS.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Payments were made on time. Payment made to the principal that the company did not accept as a real payment and then payment went into 30 day late status even though the payment had been made. Company refuses to acknowledge this as a payment because it was made under the apply to principal option.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
Paid off XXXX  after XXXX years and a very rude and snotty lady said she didn't care and won't fix my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also 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 non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
I am writing to make a complaint on Current Bank. It is a XXXX XXXX. I have a XXXX XXXX card with this particular bank. I have been using the card for rental cars, to keep my funds separated. On XX/XX/2024, I had a pending charge for XXXX on my account. I reached out to the rental car company XXXX via phone and email to stop any payments from this account. I had a new form of payment to use instead. I also used the block feature on Current for this company. I was told by XXXX of their reps this is their stop payment. The charge was pending on my account up until XX/XX/2024, after I dropped off the car on XX/XX/2024. The rental car company was STILL allowed to overdraft my account for XXXX, EVEN after taking away authorization to draft this account! Not only is this amount wrong, it was as if the stop payment did NOT matter. I reached out to XXXX they provided me with XXXX  help. They ARE NOT helpful in anything. They lie and overcharge! I was advised by XXXX themselves to send the email I also left several messages with their supervisors I never got a response from them EVER. They continued to charge the card AFTER the email was send stopping any further payments from that card. Im still waiting on a response in regards to my missing XXXX XXXX  and XXXX XXXX. I did an incident report with their lost and found nobody has responded back to me. So, I didnt really expect them to respond. Which I am reporting then to XXXX. Furthermore, Current Bank provided me with XXXX  assistance. I disputed the transaction, pointing out to them I put a stop payment in place to XXXX and the bank. Nobody was able to help me in any capacity. They kept giving generic answers such as the account was force charged, and the Block ( stop payment ) feature would not work in this instance. On top of that, me providing them proof of my emails and proof of the Block feature in use did not work neither. I still lost the dispute. This has caused me an enormous amount of stress and loss of funds. I just feel lied to by both companies. I will attach proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Money lion denied me access to my XXXX money account for XXXX months with little to none information on what's going on money line has created a merry-go-round of information that they want me to provide that I have provided over XXXX times in order for me to have access to my {$400.00} that has been sitting in my account since XXXX of 2023 money line has failed to provide me with adequate information on why they are holding my account or my funds hostage money lion has it denied me my rights on disputing any transaction because they are holding my funds so no unauthorized transactions have occurred which in reality yes it has I want to dispute with money lying why are they denying me access to my funds they are asking me to provide complicated documents a notary from a third party company in regards to quite frankly I don't even know because money lion will not provide me with general information on why are they withholding me from my funds they're advocate department does not provide any assistance more rather they provide you with more obstacles that are near to impossible to do or to overcome I just want my {$400.00} out of my account so I can end all services with money I know half of my statement of what I am stating right now doesn't make any sense because of money lying has confused and deceived and blackmailed me in regards to my account money lion has shown me I have no rights as a customer with them money lion instructed me to investigate things that happened under my account which that is what their dispute department is for but there's dispute department does not do anything they make you do your own investigation in regards to your account I just want my {$400.00} that I have been fighting for proving my innocence for it to be released

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation