vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2022 I purchased a gift card valued at {$100.00} for XXXX on the XXXX website in the amount of {$98.00} using my Citibank XXXX card ending in XXXX. The card did not work. I contacted the company through their website 's " contact us '' page and emailing a reply to the order confirmation. The company did not respond. 

On XX/XX/XXXX I filed a charge back through Citi.com 's online system. The online system showed it was received, at a later date it showed that the XXXX had been contacted, and on XX/XX/XXXX the system showed that the XXXX had responded and the case had been decided in the XXXX 's favor. 

On XX/XX/XXXX I called the Citi dispute line XXXX about how to proceed. I was told the case was not really finalized and that I would receive a letter through the online system from Citi with instructions on how to continue the dispute if I wished as well as the merchant response. That information never arrived. 

I called the Citi dispute line XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to alert Citi of this issue where I was not receiving Merchant response and Citi letter detailing how to continue a dispute in the " letters and notices '' section of Citi 's website. I was assured that they would be resent. They never were. 

I emailed XXXX on XX/XX/XXXX about not receiving this XXXX response and instruction from Citi on how to continue with the dispute. 

On XX/XX/XXXX I went online and unenrolled in Citi 's paperless system in hopes that I would receive by mail the paperwork the were unable to provide online. 

On XX/XX/XXXX I received a letter from Citi in the " letters and notices '' section of the website stating : " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. '' But I never received the requested information. I never received a response to my emailed complaints about this issue. My many, lengthy phone calls with representatives did not address the issue. I was just told the paperwork would come or should be there online. It never was. I was told that the proper department would be notified of their technical issues. I was told this would not effect by ability to respond to disputes in a timely manner.

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 2022-07-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, XXXX, and Transunion stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. XXXX15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Co account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2022-07-24 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: GA

Complaint narrative:
I applied for a car from XXXX XXXX  on XX/XX/XXXX XXXX i was unsuccessful in purchasing the vehicle even though XXXX XXXXXXXX established that i have a XXXX credit score which I worked very hard to get. I accepted that I wouldnt get the car and moved on, after about a week I received a call from the dealership, which i missed. I instantly returned theyre call and i was informed that no one called me because the company is closed. i showed them proof of call that someone at their institution called. they denied and said theyre closed for the day. I suddenly decided to check my credit score only to see it lost XXXXpoints after I received a miss call from the same company i was not doing business with any more. i called them to ask why is my credit being run even though we arent conducting business anymore. I was transferred immediately and told me they do not know why. This was after theyd told me they were already closed and no one was available to talk. i have made several attempts to talk to some one in charge but they all had a nonchalant attitude so i then realized this company maliciously did this to hurt my credit score. They deliberately lied to me. They ran my credit over and over again without my permission. they did not have permission to run my credit because the conversation about getting a car was over and done with over a week back!

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 2022-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have NEVER missed or been late for a mortgage payment, yet Flagstar Bank regularly sends me delinquency notices! I have my house payment on automatic payment through my bank. Flagstar changes the payment amount, without notification of any sort, it is merely on the statement for that month. When I noticed the payment amount had been changed, I submitted the difference immediately. I have proof of that as well. This last one says I owe {$2700.00}. It reflects that the XXXX payment was not made, which it was. This is not true and I have proof the payment was sent and collected by Flagstar Bank. Unfounded late fee 's are applied as well.

Flagstar also entertains anyone that wishes to know how much the balance of my mortgage is, then turns around and charges me {$35.00} each time! XXXX through XXXX of 2021 a sum total of {$170.00} was added to my account because someone was calling in and collecting my balance information. I called Flagstar three times about this and they said there was nothing that could be done to stop the entity unless they decided to stop themself. There is no way to block these inquiries. The only way to learn of them is to see them on my statement with the subsequent {$35.00} fee, then call Flagstar and ask who it was, then call that entity and hope they will stop. If they don't, Flagstar will continue providing the information and charging me the {$35.00}. This is completely unfair business practices. Fee 's upon fee 's are applied to my account that has NEVER been late or missed!

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 2022-07-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Equifax, XXXX, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the XXXX agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX Auto ( reported information is all inaccurate or missing across all three CRA 's XXXX Account # XXXX This is ground for account removal from all three CRA 's and XXXX relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not XXXX a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, Experian, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.

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 2022-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: VI

Complaint narrative:
This bill came from XXXX XXXX XXXX. Nationwide Recovery Systems never sent nothing to my house.I would like for this debt off my credit report for failure to send notice. I don't know the account number and there age of this account. I would like a full debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
Name on account is XXXX XXXX account number is XXXX debtor is JHPDE Finance I LLC Creditor is XXXX this account was ope fraudulently under my name I have no idea and I have tried to dispute it already with JHPDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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

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 2022-07-24 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:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation