vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: RI

Complaint narrative:
To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & Number 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

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 2024-08-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
Paid off my bills in XXXX payments to this company. I was never mailed the confirmation that my balances was paid like they told me they do after payment. I have the pictures from emails/bank statements The amount never left my credit report as well like promised. It still says I owe which I dont. Paid XXXX payment in XXXX and XXXX in XXXX should be off my account by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: DISCOVER BANK
State: NJ

Complaint narrative:
My XXXX account was stolen and was placed an order in XXXX store for a Pixel XXXX XXXX on XX/XX/year>, and was paid for with my associated Discover credit card. The total transaction was {$500.00} including tax. Because my XXXX account was stolen, which includes XXXX, so I guess the order confirmation and receipt email was immediately deleted so I got XXXX notice of the transaction. I only found out about the transaction when viewing my Discover credit card statement later when trying to pay the credit card. I immediately disputed the charge with XXXX twice, but XXXX refused to refund me twice. Then I disputed the charge through Discover credit card, and once again, Discover refused to refund me. 
Throught the process, my account was somehow stolen and the purchase was done completely without my permission or knowledge. I have never shared my XXXX account or Discover credit card with any other person. My account was stolen because of the poor security measures by XXXX, so XXXX should refund me the money that I did not spend. Also, I believe Discover should honor their promise to refund any unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I disputed this debt on XXXX XXXX but didnt receive a response from the company and whether it was validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX female, XXXX ( XXXX yo ) believes it was a XXXX  XXXX  under the guise of a Home Depot credit card. When this elderly female tried to explain to XXXX XXXX the misappropriation of funds, they said they couldnt help because there was no credit card number to produce. This left this female very distraught and worried the attack could go deeper and take more of her money. This is an allegation of misappropriation of funds. 

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I attended a timeshare presentation for Wyndham resorts while traveling out of town. I was informed my personal information that I provided, like social security number, was needed to ensure I have not attended a previous presentation. Unbeknownst to me, the forms I entered my information on was a credit application, the individual reviewing the forms with me covered the details with their hand as they were quickly providing an overview of the page. I asked several times if this was going to result in a credit card and was advised it would not. I also advised the multiple sales representatives several times that I was working on opening a mortgage, so I could not have any new credit accounts or inquiries. I found a credit card was opened when it was mailed to me after the timeshare sales presentation. I was told the signature I provided was to ensure I would never attend a presentation again because I had declined to purchase a timeshare. I closed the card as soon as I was aware, no charges were ever made to the 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 2024-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I was previously defaulted by the XXXX XXXX XXXXXXXX for my last attended semester in XXXX  of XXXX. I dropped out of said university and enlisted in the military 2 years later. I have recently been honorably discharged from the XXXX and would like to return to school using my GI Bill benefits, but I am unable to due to my transcripts being withheld by the XXXX  XXXX XXXX. If possible, it would be greatly appreciated to reduce the amount I owe monthly, currently it stands at about {$2000.00} a month which is a large amount that seems unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/2024 - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) : XXXX, XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

As of XX/XX/year>, I noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

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 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 explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
In XXXX, I ported out my XXXX line. Since another user on the account wanted to stay with XXXX, I requested that XXXX transfer account ownership to his number ending in XXXX, which they did. I was assured by XXXX customer service that I had no outstanding balance and that the ownership transfer was complete. As a result, I no longer had any ties to the account and was free to switch carriers. 

However, in XX/XX/year>, I received a call from a collection agency, XXXX XXXX XXXX, claiming I owed {$600.00} in phone charges to XXXX  for the past XXXX months. I also received a letter from the collector stating the same thing. Over the XXXX months since I ported out, XXXX never contacted me, and since I no longer had access to the account, I couldnt verify any details with them. The user with the XXXX number had become the primary account holder immediately after the transfer and subsequently closed the account. Now, XXXX is demanding that I pay the outstanding bill associated with the XXXX number. 

When I contacted XXXX to resolve the issue, they refused to provide any information, stating that I was no longer the account owner and would need to deal with the collection agency. However, when I contacted XXXX XXXX XXXX, they were unable to provide any details either, simply stating that XXXX claimed I owed the amount. As of XX/XX/year>, the collection agency has placed this debt on my credit report, affecting all three credit bureaus, in an attempt to force me to pay. 

Since XXXX, neither XXXX nor the collection agency has contacted me to explain or resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
On XX/XX/year> I called in to my Bestbuy Citi Bank credit card services to pay my bill that was due on XX/XX/year>. I made my payment over the phone with a live representative the day before it was due in the amount of {$100.00} in which at the time I only had {$49.00} due. However in the mist of me paying a day early with a live rep and above the minimum payment due this credit card company have placed a restriction of use, late fee and have a automated calls sent to me throughout out the day or when I call you in system saying I have not made a payment. This has been going on for the last couple weeks for this incident and they have had my payment took out of my bank since I made over phone payment on XX/XX/XXXX. Moreover this year alone the bank has been wrongly posting/documenting some payments that were supposed to have been allocated towards a promotional balance that is due to expire in XXXX. Nevertheless I have pretty much a 100 % good payment history with them but yet my credit card is currently on restricted use and being reported in their system as a late, non-payment with late fee in spite of them being paid before hand. They claim they are working on the matter on certain calls but on other calls Im being told its fixed. Please help with the mistreatment of this company. I should not be mistreated when I have not done anything to deserve this. I have followed all the guidelines of credit card company but being victimized??? As a courtesy and an ongoing inconvenience I should be issued a monetary credit and as wells a fix the mishaps that keep taking place on my account without a justifiable cause. This is a hardship and making it hard to trust the company going forward.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX was not authorized to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
It says I opened this account with XXXX XXXX in XXXX of XXXX  but that's impossible I was incarcerated at that time there's no way I could have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX XXXX  ( XXXX ) claiming I owed a balance for classes I did not take. The email stated I had until XX/XX/scrub>XXXX XXXX  to contact them at XXXX to discuss payment options. 
My attempts to resolve this issue : XX/XX/scrub>XXXX XXXX XXXX Called the provided number, was on hold for XXXX hour without speaking to anyone. Sent an email requesting to speak with someone about the balance dispute. 
Received an automated email acknowledging my message, warning that further emails would be sent to the " back of the line. '' Approximately XX/XX/year>XXXX XXXX  Called again and spoke with the financial office. They couldn't answer my questions and transferred me to the XXXX department. 
The XXXX department was also unable to help and transferred me to the XXXX 's office. 
XXXX a voicemail for the XXXX explaining the situation and requesting a call back. Never received a response. 
XX/XX/year> : Received another email stating the balance was due and would go to collections on XX/XX/XXXX. 

I did NOT take these classes and believed I had dropped them before the semester began. I have documentation of these communication attempts. 
Despite multiple efforts to resolve this issue through various XXXX departments, I received no meaningful assistance or response. I am now facing unwarranted collection actions for classes I did not take.

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 2024-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX I was a victim of identity theft and called to have these inquiries removed but to no avail

Company response to consumer: Closed with explanation