vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CashMax LLC
State: WI

Complaint narrative:
I received a phone call from XXXXXXXX XXXX Ph # ( XXXX ) stating I have an outstanding lean against me for a loan with Boost Finance. I have never heard of Boost Finance before. They provided me with all of my accurate SS #, Phone # and address which is really concerning to me. I was re-directed from XXXX to XXXX XXXX Ph # ( XXXX ). They stated I needed to contact XXXX to resolve this matter. XXXX XXXX did give me Boost Finance 's Ph # ( XXXX ). I then called Boost, but I am not able to get to a representative. 

I fear someone stole my information and took out a loan with this company fraudulently. Now I can't get ahold of anyone to get proof of signature or resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi bank has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using XXXX for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with XXXX online and over the phone. They are showing my score as XXXX and per the XXXX rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called Citi bank multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through Citi but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at Citi customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few hundred dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently made two purchases on XXXX XXXX with Chase visa credit card. These were on XXXX for {$650.00} and XXXX for XXXX. Over the last at least three years, I have made numerous, most likely hundreds of, XXXX XXXX purchases with my chase credit card without any issues or added fees. However, these two transactions are now being considered as cash advances. These purchases were for goods and services. I received no cash. Chase is now imposing what I assume will be hundreds of dollars in fees and interest because these are now considered cash advances. Throughout all of my other XXXX XXXX purchases I have never had to pay chase any fees or interest. In fact I made a XXXX XXXX purchase on XXXX and it was not considered a cash advance and no fees and interest. I know not to make a cash advance due to the fees and interest. I pay my card at the end of the month to avoid interest. I was not notified these purchases would be considered cash advances prior to their posting on my account. From my knowledge nothing changed between XXXX and XXXX. This was not my first time, if it was I could accept my mess up and take my punishment, but three years of history and notice makes this an entirely different situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a letter requesting validation of debt to include a contract signed by me and proof that the debt is in fact mine and that this company is permitted by law to collect this debt. The only items sent to me by this creditor is an account summary report with the original creditor being a company I DO NOT recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing. The loan was serviced by XXXX  Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans. 

Company response : " Our review confirms that the payments in question were all refunded to the remitter at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX " However they never refunded the payments. XXXX XXXX XXXX XXXX XXXX received nothing and Aidvantage still has not provided any documentation regarding the refund. The only thing they provided was an unsigned spreadsheet without a letterhead and no contact information. 

Reference prior complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Counsel, Inc.
State: GA

Complaint narrative:
XX/XX/2023 @ XXXX  As this was the second call from CREDIT COUNSEL, INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I ask the caller MrXXXX XXXX to please cease and desist from calling me. 
I have no previous business with them I have no idea who they are please remove my number from your call log MrXXXX XXXX continue to threaten, he threaten to places on my name and private information on the credit report of all 3 creating reporting agencies and he was very rude and disruptive and stated he will continue to call even after I asked him not to I also ask that if you want to contact me he can do so via email and he repeated my email but continue to have threatening and disturbing conversations with me. 
please address the situation as a consumer I feel my rights are being violated. 

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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX  INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX DATA INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX INQUIRED XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through cash app and with XXXX. From XX/XX/XXXX through XX/XX/XXXX there was a total of 2,585 in transactions on XXXX. And during that same time frame there was a total of 1,268. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, 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 2023-02-10 00:00:00
Product: Credit card or prepaid 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Dear Ally Bank, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Ally Bank ) are " requiring '' a cash down payment. I am demanding that Ally Bank provide verification of XXXX XXXX, XXXX, statements that Ally Bank are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The debit from Wayfair is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -Wayfair for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: KY

Complaint narrative:
When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.

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