vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX Closed 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXXXXXX Closed 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NY

Complaint narrative:
In XXXX of 2023, a complaint with CFPB was filed. Equifax " verified '' accounts but not much changed. Eight months later, the same thing is happening again.

As per 15 USC 1681 604 Section 4, a consumer reporting " agency '' is not allowed to provide a report without obtaining my written consent ; I gave NO consent to Equifax to provide ANY information on the report.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make a consumer report furnishing the following items : any adverse item of information, other than convictions of crimes which antedates the report by seven years ; The attached files show Equifax in direct violation of that code.

As per 15 U.S. Code 1681n. - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, the attached file shows multiple negative furnishings that were not consented to by the owner.

These are two errors on one file report, 15 USC 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 reason to believe that information is inaccurate. 

XXXX continuously furnishes and updates reports without following FCRA guidelines and is in direct violation of the Consumer Credit Protection Act and civil laws. These reports are slanderous and damaging in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Central portfolio control has not only violated FDCPA and TCPA they continue harass me via text messages, attempting to collect on alleged debt that violates the HIPPA Laws. Central portfolio bought my personal info, name, address, and social security number which is identity theft. 

18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse-A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX # XXXX, XXXXXXXX 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 2023-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: AR

Complaint narrative:
I frequently purchase prepaid VISA gift cards in {$100.00} amounts form XXXX which is backed by US Bank. their website is www.prepaidgiftbalance.com This website if FREQUENTLY down. When it has been down in the past you could call customer service and they would register your card do you could use it online. This request was denied today.

If the website is the ONLY method the company is going to offer to register the cards, the it needs to be up and running 24/7.

I now have two cards totaling {$200.00} that I am unable to use for the purpose intended when purchased.

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 2023-11-28 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: IA

Complaint narrative:
The following items are incorrect and unauthorized : 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 explanation
Consumer complaint received 2023-11-28 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: IA

Complaint narrative:
The following items are incorrect and unauthorized : 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 explanation
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
My Best Buy credit card through Citi charged me for services without my knowledge, request or approval. i wrote them requesting they correct their error, and they are not only refusing but threatening me and charging me penalties and fees.

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 2023-11-28 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XX/XX/2023 I received a Notice that my Federal Student Loans would be transferred to XXXX after being approved for Public Service Loan Forgiveness. 

XX/XX/2023 My Department of Education/Aidvantage Student Loan Status changed to : Paid in Full with a {$0.00} balance. 


XX/XX/2023 I notified XXXX about the new PSLF status. 


XX/XX/2023 Department of ED/Advantage reported to Credit Bureau to delete the entire account from credit history which eliminated all positive standing/payments made prior. This also eliminated any credit showing {$20000.00} being paid in full, resulting in a lower credit score. 

XX/XX/XXXX I contacted XXXX about the deleted account. XXXX was able to inform me that when they contacted Ed/Aidvantage to verify the PSLF status, they requested to just delete the entire ED Aidvantage account instead of a paid off status. XXXX also stated they would not be able to fix this error. I would have to contact the Loan Servicer and request they resubmit an accurate report. 


XX/XX/2023 Contacted ED/Aidvantage and requested they resubmit an accurate report showing the Loan was either transferred or paid in full. I was told that there was never any request for the loan to be deleted and there was nothing they could do. They also refused to send me the report they submitted to credit bureau or any of the request they had received from XXXX on the dates listed. 

As of today, XX/XX/2023 I have not been able to get anyone to help fix the problem despite multiple attempts in writing. My credit score remains lower than needed preventing me from refinance or getting a new the mortgage loan that I had just applied for when all of this information was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I deposited a check in the amouunt of {$7300.00} on XX/XX/23 into Wells Fargo Bank from XXXX  XXXX XXXX. 

Wells Fargo said that the funds were Insufficient and they needed to hold the check until the XXXX of XXXX. 

My Client said that the funds were taken out last night. When I called Wells Fargo Back and talked to a Supervisor, XXXX, she said the the money is taken out of the account and put into another account where verification is done. It was the second account that said insufficient funds. 

I was under the impression that if the money is debited from an account it should be credited to the account requesting it. 

However, I can not wait until the XXXX to pay for it. I can not tell my bill collectors.. '' sorry you'll have to wait until the XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I submitted a complaint regarding an account that is listed on my credit report. While I was incarcerated, an account was opened in my name. I provided XXXX XXXX with documentation showing that I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. The XXXX Credit Card was opened in XX/XX/XXXX, seven months after I was incarcerated. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of incarceration that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-11-28 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: EQUIFAX, INC.
State: ND

Complaint narrative:
My personal information with Equifax, has been breached. I am enclosing the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and XXXX Credit 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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I performed all work for an XXXX XXXX XXXX claim, the check in the amount of {$17000.00} was received by and cashed by Quicken Loans/Rocket Mortgage in XX/XX/XXXX. On XX/XX/XXXX I received only a portion in the amount of {$5100.00}. The check is in my name, XXXX XXXX XXXXQUICKEN LOANS, INC.. I need the balance in the amount of {$12000.00} returned to me asap to pay toward mortgage. I have waited years for this to happen and has caused personal and professional problems. I have sent a document proving this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was checking my credit score and send activity on my credit 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/, I bought appliances at Lowes in XXXX XXXX worth almost {$5000.00}. I was told by the cashier that if I opened a credit card I was going to get 20 % off plus a discount for the new card. 
After I spent almost 2 hours picking appliances and applying for a new credit card i was ready to check out, but Lowe 's give me only {$100.00} discount. I asked to talk to the manager and I talked to her, too. but they are all trained to twist the words of their offer, which was sent to my e-mail. 
I filed a complaint with XXXX, and Lowe 's offered a {$50.00} gift card? 
THEY CHECKED MY CREDIT SCORE AND MADE ME OPEN A NEW CREDIT CARD ON FALSE PROMISE, very sad.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: TX

Complaint narrative:
Saturday night ( XX/XX/23 ) I was enjoying a musical with my family and had my notifications silenced. At the conclusion of the musical I was checking my email and noticed I had an email saying that my new NetSpend account had been set up with alerts, a bank account had been linked. This scared me so I immediately called the number on the email XXXX. I was unable to speak to anyone and there were no options for a fraud line. Thus, I followed up with an email to them to notify them that this was a fraudulent account. I received an email saying that they weren't able to locate my account with the information given. This, to me, shows a clear lack of security protocols in place. If a company sends an email, and asks " If you did not do XXXX  please email [ provided email address ] '' and then doesn't do anything about it when you actually try and warn them that there is fraud taking place seems unethical and negligent.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DEBT 0, INC
State: TX

Complaint narrative:
The company did not return the money that was owed to me in full of {$1500.00}, it only returned {$850.00} and they never did their talk with the bank, I already explained it. I call and email them and they don't return my calls.

Company response to consumer: Closed with monetary relief