vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I saw a collection that was reporting negatively on my credit report from DEBT RECOVERY SOLUTIONS for $ XXXX.I contacted the original creditor ( XXXX XXXX ) and asked them about the validity of this debt. They advised me that they couldn't give me any information on this debt and that I need to contact DEBT RECOVERY SOLUTIONS. DEBT RECOVERY SOLUTIONS advised me that they would send me something in the mail that validates this debt. After waiting weeks, I never received anything. I contacted them again on XX/XX/XXXX and asked them to resend the information. I still didn't received anything. I contacted all three credit bureaus and asked them to investigate the validity of this debt and to send me whatever information they obtain through their investigation. As of XX/XX/XXXX I haven't received anything from either of the credit bureaus or DEBT RECOVERY SOLUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with Navy Federal Credit Union regarding a {$150.00} purchase made through XXXX. The third-party vendor failed to fulfill the products or services. Despite numerous attempts to contact the vendor via phone and email, I received no response. Further investigation into reviews revealed numerous complaints of fraudulent practices by the vendor. Initially, the vendor had positive reviews, but I now believe these were falsified to deceive consumers. 

XXXX 's terms state that fulfillment is the responsibility of the third party, but they also require merchants to comply with laws and regulations to ensure their offerings are not fraudulent. When I disputed the charge with NFCU, I explained that I had clicked the " redeemed '' button because the coupon code was used, not because the product or service was actually received. 

On XX/XX/XXXX, NFCU ruled in favor of XXXX. I requested a second review on XX/XX/XXXX, emphasizing that none of the promised services were delivered. I was supposed to receive a consultation, approval, an additional fee, and then the product, but none of these steps were initiated. On XX/XX/XXXX, NFCU again ruled in favor of XXXX, stating that because I had " redeemed '' the voucher, they could not reverse the transaction. They argued that because the transaction was completed through XXXX and not directly with the merchant, and because I willingly provided my debit card information, it did not constitute fraud or theft, despite no services being rendered. 

XXXX provided NFCU with their terms and conditions, stating that the merchant is responsible for delivering services and goods, and that XXXX is not responsible for ensuring delivery. While this is true, NFCU should have examined all terms and conditions, including those requiring merchants to comply with laws and regulations. Failure to fulfill services constitutes both fraud and theft under these terms. NFCU should have requested a complete set of terms and conditions from XXXX, not just the parts that aligned with XXXXXXXX XXXX interests. Had they done so, it would have been clear that the vendor was not in compliance with regulations and should be banned from listing on XXXX. This should have been a key factor in the investigation and determination of the outcome. 

NFCU has failed to protect their customers from fraudulent interactions by not considering this case as theft or fraud, even though XXXX terms and conditions would. I feel that NFCU did not conduct a thorough investigation to ensure that all terms and conditions were upheld. Instead, they relied solely on the " redeem '' stamp as evidence of a completed transaction. NFCU should review all terms and conditions in their entirety, not selectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On my Experian credit report, there are 3 hard inquiries related to credit card applications that I did not make : 1 inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX ; 1 inquiry from XXXX XXXX  dated XX/XX/XXXX ; and 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I do not bank with any of these 3 banks and I did not apply for credit cards with any of them. 

The XXXX XXXX inquiry was also reflected in my XXXX credit report and in my XXXX credit report. 

There was also a phone number ( area code XXXX ) in my credit reports that does not belong to me. 

I am in the process of disputing the hard inquiries with all 3 credit reporting agencies, I removed the unknown phone number from my account, and I placed credit freezes and fraud alerts on my accounts with all 3 credit report agencies.

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 2024-05-21 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: MI

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. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 602 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. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

Account Name : XXXX XXXX XXXX XXXX Account # Last 4 Digits : XXXX Account Name : First Progress Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX  XXXX Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Delaware Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX XXXX Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX Account # Last 4 Digits : No Account Number Provided Account Name : Collection - XXXX  Account # Last 2 Digits : XXXX Account Name : US Bankruptcy XXXX XXXX XXXX MI Account # : XXXX Account Name : Collection - Account Adjustment Bureau Account # No Account number listed

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 2024-05-21 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: MI

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. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 602 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. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

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 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

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 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made the payment for the entire balance on my Citi bank credit card through XXXX bank online payment on XX/XX/XXXX. Citi bank put a hold on my account because i made the entire payment of $ XXXX in one shot. They did not inform me that my account is on-hold... because I spent the entire spending limit and then paid the entire balance off!!! My Citi app does not show any message that my account is frozen for 10-days until XX/XX/XXXX. I was embarrassed multiple times in stores trying to use the card and getting it declined- not understanding why? The Citi customer service initially had no idea why the transaction was not going through. Finally he figured out and explained to me that I made large payments and Citi wants to hold my payment and has therefore frozen my account until XX/XX/XXXX. 
This is an amazingly absurd way to hold someone's payment without letting the user know that their card is blocked for 10-days for making timely online payment. 
The embarrassment Citi bank has caused me should not be allowed as it is irresponsible of them to block credit card when a customer is doing the right thing to make the payment in full as allowed by the law and their own policy. Their customer service staff was not pleasant nor informed about their own [ bad ] policy.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On multiple occasions I tried to contact the citi bank about a promotional offer upon signing up for a checking account. I talked to 5 separate representatives over the span of 120 days and they all told me I followed the steps accordingly and should be expecting my bonus. The bonus was supposed to be given after 90 days from what all of the representatives told me and now its been 120 days and I havent gotten a single thing.

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 2024-05-21 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: TX

Complaint narrative:
There are unfamilliar charges maded on the accounts in my report. I want these accounts removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
There are unfamilliar charges maded on the accounts in my report. I want these accounts removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I had previously filed a complaint with the CFPB, XXXX. Per federal law, while my loans are in " deferment '' status loan interest is not supposed to be accrued. HOWEVER, since my first case was filed, I keep getting charged interest to spite being XXXX. XXXX has all the documents, except for todays, I am lagging on this fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are unfamilliar charges maded on the accounts in my report. I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am my mother 's only POA now that my sister recently passed away in XXXX of XXXX. My sister had a joint account with Bank of America for my XXXX  mother to take care of her expenses due to her having XXXX XXXX XXXX XXXXXXXX and living in a memory care facility where she does not leave the property. After my sister passed I moved up to head POA with legal documents to prove that. I brought all the necessary documents to Bank of America and was told they would send to their legal dept to get approval to add me as a signer on this account. Well shortly after that the bank froze the account and refused to talk to me. I contacted an attorney as instructed because two case managers ignored my request for more information. My attorney sent letters to them approximately one month ago and have yet to hear back from them regarding a resolution to this matter. I am only trying to help pay for my mother 's care as she is XXXX  and unable to do so for herself. I think this has gone on long enough as it's been 4 months since the account was froze and put on hold.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please remove " no-mailable address. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-05-21 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:
please remove " no-mailable address. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: HI

Complaint narrative:
I am rewriting this complaint to TRANSUNION that I want to dispute specific records in my credit file that are unverified, inaccurate, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. Please see also the attached FTC report to support this fraudulent information with the report number 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 non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My initial complaint is PREDATORY LENDING. 

I purchase a vehicle at XXXX XXXX XXXX XXXX ago. I have a lending company which I paid $ XXXX $ XXXX {$500.00} a month. The vehicle I purchase has a total of {$18000.00} still under finance. This is a XXXX XXXX XXXX and ever since I purchase this vehicle it has given me problems from the start. 
Problems list : XXXX unit when out- replaced by XXXX within the 90 days of purchase Computer system when out-replace by XXXX within the 90 days of purchase Turbo lines leaking- replace by XXXX, then sent over to My Car Center for a second replacement wheel struts were cut and repair by XXXX Finally a used engine replacement done a month and half. 
Pickup car on XX/XX/XXXX pay {$380.00} plus a new battery {$180.00} Today XX/XX/XXXX the engine light just came on. 

This vehicle has being in the shop more than 8 times and no one is willing to help get me out of this car. I have reached out to the XXXX corporate office, the finance company, the XXXX store and all they keep saying is " let get the car fixed first and then we may be able to trade with down payment. The corporate office said 'all let me escalate the issue and see what solution we can up with we will call you back in a day or two ''. 

Yes thank XXXX for the XXXX I have on this vehicle for the payment of the repairs, but that is not the case here, I believe I was sold a lemon vehicle that I am stuck with and no one wants to help. I am stuck paying {$500.00} a month for a vehicle I can not even use for the long term as I am afraid it may leave me walking as it has done in the past. My husband and I are so frustrated with all the run around the companies are giving us, We have paid over {$12000.00} XXXX of dollars for a lemon. We just can not take it anymore. Oh to top it off we can not even get a rental while the vehicle is at the shop because we do not own a credit card. We were stuck at home with no car for 3 weeks in two different occasions while the vehicle was being repair. Close to losing our jobs because of no transportations My husband had to travel with XXXX and lift to and from work in order not to lose his job. 
And now we are back to square one as we have to take the car back to the shop just to find out why the engine light when back on, and they will take XXXX weeks before they can take a look at it. 
I don't think this is fare to us and XXXX or finance company to just keep fixing this car when they see that this car has a long history of repairs. And we can not just keep pulling money out that we do not have to pay a {$250.00} deductible every time the vehicle needs repairs. 

Can someone please tell me they can help us get out of this vehicle or what can we do to resolve this situation. Helps us please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MI

Complaint narrative:
I recently reviey a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief