vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
In XXXX XXXX  XXXX I discovered that Midland credit management sent notice to the 3 credit bureau 's that I owed {$310.00} - I didn't know anything about. I disputed this with the credit management company and the 3 credit bureau 's. The result of the dispute was that it was me that made these charges. I called midland credit company earlier XX/XX/XXXX to pay off this {$310.00}. I was told the account was in dispute and they could not accept my payment. I was told to call back two weeks later. I called two weeks later to pay the debt off and was told that the account was in dispute and I couldn't pay the debt off. I was told to call back on XX/XX/XXXX. I called on this day to pay the debt off. I was told that I could not pay the debt off today because it was in dispute. I am trying to clear up this account. I have always had excellent credit. I need this company to take my payment to clear up my credit. Every month they send notice to the credit bureaus that this account is uncollected and I am tiring to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
on my credit report it shows that I have a debt through my current credit card. which I do not. i have a positive balance of over XXXX $ & that has been positive for months. I need that removed & updated please at your earliest convenience because it lowered my credit score by XXXX pts. thank you in advance Also, my credit report shows that my oldest account open is 3 months but ive had my current account opened for about 7-8 months, which could potentially affect my XXXX score in a positive way but this is holding me back, when they have the wrong information posted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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:
ACCOUNTS SHOWING ON MY CREDIT REPORT ARE FRAUDULENT

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 2024-02-17 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:
ACCOUNTS SHOWING ON MY CREDIT REPORT ARE FRAUDULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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:
YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX the following names listed 2. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-02-17 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:
YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX the following names listed 2. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: LA

Complaint narrative:
I paid {$1000.00} to have artwork restored, matted, and framed. After not hearing from the merchant, I called her on XX/XX/year>, to discuss the status of the project. She let me know that she was not able to frame it because she could not restore the print, but that I could pick it up and discuss it on XX/XX/year>. Upon seeing that the artwork was only pasted to a posterboard and that I would not receive a custom framed image with glass and hardware to hang it as I paid for I requested a refund from the merchant. She said she could not provide it because I am a small business and I do not give refunds. 

Upon leaving the business with my unframed artwork without the services that I paid for I filed a dispute with Citibank on XX/XX/year>, because the merchant refused to provide a refund. The Citibank investigation, or lack thereof, concluded with me being liable for the charge. The merchant claimed : - That because I made XXXXhree other transactions that are not being disputed, there is proof that this transaction is valid. 
- I paid for the goods when I received them so there should not be any concern regarding the goods/services not as expected. 

The first claim is irrelevant because I am not disputing that I approved the charge. I am disputing that the services were not provided. I am not disputing those additional charges because the services for those were provided as expected. 

Also, the claim that I paid for the goods when I received them from the merchant is a lie and in no part factual. This is why the charge was authorized. All the charges were paid before receiving the goods, which is why there is a 49-day delay between the purchase and the dispute. I disputed the charge on the day I received the unframed artwork and the services were not provided. 

I have supplied documentation, photographs, and other evidence as to why the services were not provided. Citibank failed to investigate and to provide a reasonable response as to why the dispute was not resolved accordingly when the merchant did not provide the service and could not provide evidence of the service. 

Rather, during a phone call I was offered a {$150.00} account credit with no explanation as to why. Why would Citibank offer a credit if they believe I am at fault for the charge? I refused the credit because I would not accept fault for the transaction when services were not provided. The representative then tried to dissuade me from filing a complaint with the CFPB. 

Citibank is failing to investigate fraudulent charges beyond the merchant 's response and automatically siding with the merchant even if there is no proof of services provided.

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 2024-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NC

Complaint narrative:
XX/XX/year> i went to my normal check cashing olace to cash my check and to put the cash on my western union pre pay card as i always have i reloaded around {$1200.00} from my cashed check to my western union card after the agent electronically put it on my card only {$300.00} was deposited but the {$900.00} was not deposited they give me the run around saying the reload for the {$900.00} was rejected saying they have a new policy that no more than {$950.00} can be reloaded per day ... long story short they have not refunded my {$900.00} dollars the y give me the run around saying netspend who is also western union did not return my {$900.00} back to western union but western union say they did not receive it from nestspend they are pointing fingers at each other even though they have admitted that my {$900.00} is in the system they have the mtc ( money transfer control ) number and so do i and the agent that sent it... it has been 9 days that they have my money they keep saying the accounting department has to review it they have the mtc to prove it is my money

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 2024-02-17 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:
On XX/XX/2024 I saw that my Experian score decreased by XXXX points. I clicked on the see what changed button and I only saw that my XXXX  XXXX credit decreased from {$41.00} to {$0.00}, I thought this was stranger because paying off a card usually is a good thing and other credit bureaus did not decrease my score. It was alarming because XXXX XXXX reported this on or about XX/XX/2024 to the other credit bureaus. This isnt the first time Experian just drop my score and nothing negative has happened. This happened back in XX/XX/2024. I called and spoke with an Experian representative and asked her why did my score drop by XXXX points and there was no negative reporting. She said I would have to hire a financial advisor. I told her to cancel my subscription ( {$9.00} a month ) since she refuse to talk to me. She told me she canceled my entire membership and I could not see or log in to see my information. I exclaimed to her I asked that she cancel my subscription not free membership. This action caused me another XXXX points decrease. I feel that Experian just cant drop my score by XXXX points and there is no negative action being done by me. They gave me a boost on XX/XX/XXXX and everytime they give me a boost a few weeks later they drop my score and there arent any clear reasons why. This needs to stop. After I called them and this happened, I got anothet strange notification under see what changed and it said I had an account increased by {$1300.00}. This is not true. Force them to put back my XXXX points. This is not in accordance to the fair debt act. Experian needs to do away with boost bc they give it to you then take it away without justification. They are the only credit bureau that I have this problem with. What account increased by {$1300.00}. Also, the accounts that are self-reported dont have a balance so this information is false.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am requesting an investigation into Citibank 's deceptive business practice of refusing to allow consumers to discuss the possibility of closing an account before the account becomes delinquent. 

Citibank first refused to allow consumers to reach a live representative and kept the consumer in an automated voice system as a deterrent and as a tool to collect additional late fees and interest. 

Citibank then transferred the call to a foreign country where the representative could not speak or understand XXXX XXXX XXXX when asked to be transferred to the United States the call was disconnected and forced the consumer to repeat the process for hours with no result. 

This deceptive business practice is designed to prevent the consumers from possibly settling the account without the account before delinquencies and allows Citibank to continue to collect late fees and interest before accepting a settlement intentionally and deceptively forcing a negative impact on the consumer credit score. 

I am asking the CFPB the enforce or enact laws that prevent this deceptive business practice and allow consumers who express willingness to pay to negotiate a settlement in good faith without the account going delinquent and additional late fees and interest are applied.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi has a partnership with XXXX XXXX to send payments to. XXXX XXXX describes that payment will be received to the bank by 2-4 hours but Citi receives payment within 2-3 business days. I would like more clarity and more enforcement between expectations. I paid an " expedited '' fee from XXXX XXXX to process this payment immediately which I could not deselect. So I would need this fund refunded.

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 2024-02-17 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I recently checked my credit report and saw accounts that I dont recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17 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: FL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-17 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 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. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief