vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
There are student Loans being reported on my credit report that the department of Education has placed on my credit report. My rights have been violated and I am insisting that the inaccurate accounts and information on my report be removed at once. The investigation process has not gotten me the necessary results so I must escalate to direct disputes with the Department of Education directly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
this debt collector engaged XXXX abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights see attacched for unathorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Card has made duplicate credit inquiries on my credit, whereas I authorized for only one. This was done on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. XXXX XXXX XXXX XXXX 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/ I bought a car from a dealership. When my daughter was struggling to make payments. I told my daughter to bring me the paperwork they put in the glove box when we left. My Grandbabies needed a safe car to ride in, but there are so much false information an not told information. This is not me trying to get out of a car. They call me an say come to dealership sign paperwork. I told them XXXX XXXX XXXX XXXXXXXX  an couldn't stay long there. I thought I was gon na sign with my daughter but when I got there it was in my name only.i gave no income cause I don't have income. I can provide proof from social security yearly statement. When I got there the new man working there was a previous worker that I had previously worked with him an I trusted him. So when the other sales man had me signing say here an here an here.i trusted everything. I have paid 2 previous vehicles great with this dealership with that I never received. I'm reporting defamation information from dealership. They also added so much add ons to the contract. The car was XXXX. I ended up financing XXXX. Total will be XXXX .this is double the price of the car.Spoke with general manager XXXX she was suppose to email me my credit application 3 time. I wanted to see what kind of income an what they put down on me. I do not receive XXXX. I feel like fraud has been committed. Oh yeah XXXX said the car is now worth XXXX. I have so many other complaints on them sn how can XXXX XXXX even make me a loan for a car when I had no income. This extra XXXX XXXX that doubles the cost will result in the car being repossessed. If there was the right amount of the car being financing maybe she can keep the car.but due to false they made to XXXX. They have tried to produce credit application but they only sent contract. So no one can produce no information. Or wrong information

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is destroying my credit. I went from XXXX to XXXX in the matter of less than a week over an {$8.00} increase in one of my cards. There are balances reported on my credit report that are outdated and have yet to be updated. Yet, when I go to dispute them I get an error and have to start over only to get the error again. There are old cards with {$0.00} balances that were closed ( by me over annual fees ) still sitting on my report making me look like a credit card junky. I am trying to improve my score so I can buy a car, but at this rate it will be impossible. At this point, I'm afraid to use any of my credit cards. XXXX scoring is very unfair to consumers especially when my FICO score is 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 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Property is stating that I owe balance for an apartment I never lived in. My identification was used to secure this rental without my knowledge, and company has refused to delete derogatory remarks even with police report.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have now sent disputes to XXXX, Experian and XXXX to remove the bankruptcy off of my credit as the court does not report to the bureaus and that is fraudulent and the only agency that removed it was XXXX. I have a printed paper from the court that explicitly says they do not report to the Credit reporting agencies which means that they are committing fraud and possible identity theft. I also sent disputes about other discrepancies on my reports which some of have been changed which proves that there was not accurate reporting being done at all. Per the FCRA they are to report accurate and fair and this has not been done. I want to be paid {$1000.00} per violation of inaccurate reporting per the law.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was recently digging into my credit report which caused me to be sent into a deep XXXX. The bureaus did not make sure that the information that they were reporting was XXXX XXXX percent accurate and as a result it is affecting my ability to get any kind of credit and worse it is affecting my wellbeing. This information being reported is inaccurate and wrong and these errors need to be corrected.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

has violated my rights. Or a 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
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please see the attached documents. I urge the bureau to start an investigation into these accounts where I am never late but am being inaccurately reported as such.

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 2024-01-19 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:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. Accounts - XXXX XXXX XXXX XXXX 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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to address a matter of concern regarding excessive phone calls from your company, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FDCPA, specifically under Section 805 ( c ), debt collectors are prohibited from engaging in communication with a consumer in connection with the collection of any debt at any unusual time or place or at a time or place known or which should be known to be inconvenient to the consumer. Additionally, Section 806 ( 5 ) prohibits repeated and continuous communication with the intent to annoy, abuse, or harass. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) also prohibits collection calls from being more than 7 calls to a customer within a 7 day time span.

I have documented and attached my cell phone records that show a total of 17 phone calls from your company at XXXX to my phone number within a span of seven days ( XXXX XXXX of this year ) as well as XXXX phone calls from XXXX within a span of 7 days ( XXXX XXXX of this year ). This frequency of communication is not only inconvenient but also exceeds the limits set by the FDCPA, CFR and CFPB. As per my understanding of the law, creditors and debt collectors making excessive calls beyond that are considered a violation.

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 2024-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd.
State: OK

Complaint narrative:
I was contacted by a debt collection company named XXXX. It was concerning a loan, I believe she said from 2016 for around {$700.00} and the loan company is called the XXXX XXXX and the current balance is a little over {$1000.00}. I googled the XXXX XXXX and sent them an online message concerning this but have not heard back from them at this time. I believe the debt was paid years ago and this is a scam. Thank you for any assistance you can provide me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: DE

Complaint narrative:
There is XXXX inquiry from this company XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And I also reached out to XXXX and they sent a request for them to remove these from my credit report and we are still waiting after a month done went by

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CT

Complaint narrative:
On XX/XX/2023 I purchased and paid for two items from XXXX. One for {$5.00}, the other for {$6.00}. On XX/XX/XXXX XXXX billed my Citibank CC {$120.00} for an item that I did not order. On XX/XX/XXXX XXXX billed this same card {$110.00} for another item I did not order. After calling and writing Citibank about this scam and fraud, they gave me conditional credit for both amounts. On XX/XX/XXXX Citibank said it was permanent. Citibank then later reversed this permanent decision claiming they received proof of delivery from the merchant. I tried pointing out to them that the proof they received was only for the first two lower priced items and nothing else was ever ordered or delivered. It fell on deaf ears. 
I was a corporate client of Citi for over 20 years and this personal account for about an additional 13 years. I explained to them that I would pay everything I owed them on the final bill BUT those fraudulent bills that are in dispute. The only reply from them was, we will keep billing you with interest and fees. The have also contacted the credit reporting agencies and my credit has dropped from XXXX to about XXXX. The original amount they claim I owe them was {$240.00}. With fees and interest, it is now {$370.00}. 
I would sincerely appreciate all help and consideration that this agency can do. I feel I am XXXX against XXXX of the banking world.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: ID

Complaint narrative:
I was referring to my online account information to make payments by due date listed. This caused some payments to be late. I called Personify Financial & was told payment is due on XX/XX/XXXX. 
Online statement reports next payment due XX/XX/XXXX. However if I wait until XX/XX/XXXX, my payment will be late & fees will accrue. 

Personify Financial is misleading with personal statements on payment due dates & charging late fees when payment is made on due date. 
If you call for your personal due date, it is different than due date stated on statement provided online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: U.S. BANCORP
State: CA

Complaint narrative:
Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank )

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 2024-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was duplicated to make fraudulent transactions, bank of America refuses to believe me or to refund me 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 monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a close look at the attached documents. I wish for the bureau to begin an investigation into these accounts, as my payments are consistently punctual, yet they are incorrectly noted as late.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This credit card started out as just a " store '' card at BJ 's XXXX XXXX. It eventually grew to more in order to save money at the gas pumps and get better rewards programs. My husband and I have not been able to work. I have been out of work due to medical issues and XXXX helped to put an end to my husbands return to work. He is XXXX and diagnosed with XXXX XXXX, he can not do the same thing he did 10 years ago. We are drowning in debt. We get SS and XXXX but that no longer covers the bills. We are going to have to choice what utilities we want turned off because we cant pay them all. We have had to pay home repairs, car issues, all the bills /utilities have gone up. I think that is pretty much the case for many people. BJ '' S/ Capital One has increased the percent of credit 6 times in the last year. It seems like every time the balance get increased for what ever reason, the rate goes up. It started at XXXX and is now at XXXX. My minimum payment was around the {$230.00} range but then around XXXX it starting it increasing, of course due to the increase in interest rate. I have called them and written them but they say that they are " unable to lower the annual percentage rates ''. There explanation for that is a bit confusing to me " We determine the different fees and rates for each of our products depending on the services we include and the markets where we offer them. We continually review our rates to asses their competitiveness '' Exactly what " products '' are they referring to. We are all aware of the price increases all over in our country, if the credit card company 's increase their interest rates along with the cost of the products we buy, such as groceries ... ..... I will not be the only one hitting bottom. I literally have NO money right now. We have about {$40.00} between us. Checking accounts are at {$20.00} or so. When our SS checks come it I pay what bills I can, but I still need some spending, for gas, groceries, whatever. I have applied at our local Social Services and received a HEAP payment but that was a one time credit. I have not been approved for anything else. These rates are going to bury us, I just dont know what to do. The {$360.00} current interests fee makes me sick. The minimum payment of over {$500.00} is impossible for us to do so I am sure other fees are ( late fee, min payment not met, etc ) going to be added with will only increase the balance and from what they have told me there is no cap on rates they can charge, so I am sure that annual interest rate will continue to rise. We will not recover from this. Is there anything you can do to help us? Thank you for your review and time.

Company response to consumer: Closed with explanation