vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit 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: PA

Complaint narrative:
I got a call from Wayfair stating a charge of {$1900.00}. Was used to purchase carpets and sent overseas. I did not make this purchase so they reverse the charge. While investing they found it was actually sent to a " charity '' and because of that, they could not get the money back so I am responsible for the charge. I am XXXX  and on SSI. They set me on a {$35.00} / month for 58 months at 0 % apr. This is still a hardship. It was a very well played scam but they will not reverse the charges.

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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.

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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX  Balance : $ XXXX-Late Open Late date : XX/XX/XXXX ( XXXX ) -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: MOHELA
State: MD

Complaint narrative:
Hello, The Federal Student Aid website ( studentaid.gov ) states that, The earliest you could be required to recertify is XX/XX/XXXX. On your account " My Aid '' page, you may still see a recertification date that is earlier than XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. 

The problem is that the Federal Student Aid website and Mohela website ( http : //mohela.com ) both say that my recertification date is on XX/XX/XXXX. Both Federal Student Aid and Mohela keep on sending me reminders to recertify, and warn me that, if I dont recertify by that date, I will be kicked off of my income-driven repayment plan and my monthly payment will increase from {$160.00} to {$520.00}, which I most certainly can not afford. 

Ive tried to get Federal Student Aid website and Mohela to update my recertification date to XX/XX/XXXXXXXX  as it should be, but Im either hung up on when I finally get off of hold or Im simply told that they dont know what Im talking about. Ive made 6-8 attempts in the past 2 months. Your help would be greatly appreciated. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have two $XXXX  prepaid American Express cards that get declined anywhere I try to use them. Ive called customer service many times and all they say is try another merchant. The cards are getting declined everywhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here
State: VA

Complaint narrative:
I paid my vehicle loan off which was verified by Central Atlantic Credit on XX/XX/. Since then I have sent 3 emails reminding them to update my credit report. The email response has been of no impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: OH

Complaint narrative:
I would like to report fraud. Mysteriously on XX/XX/23, I started receiving emails about my Chime account. I did not open a Chime account. I received a few more emails-telling me my card is on the way. I did not request this. I had never heard of Chime. I have never even downloaded the app. Today, I received a card in the mail that I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.

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 2024-01-04 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) 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 2024-01-04 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-01-04 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/XXXX  addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/XXXX  addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/23 addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this 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 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MEMBER FIRST MORTGAGE, LLC
State: TX

Complaint narrative:
New hazard insurance in force XXXX XXXX. This premium was paid by mortgage company. A letter to me was sent on XX/XX/XXXXXXXX  explaining that lower taxes and insurance amounts have resulted in a lower payment and that they know I have an escrow overage. 
They won't allow the lower payment to take effect until XXXX even though they've sent in writing that my payment is {$490.00} a month lower. 
The letter said a check refunding the excess would be attached. It was not. I try to call them and they're constantly on voice mail. No one ever answers live. I am also filing with the XXXX  and the Texas State Attorneys General.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
in the year of XXXX, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the 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 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, FCR Services ( XXXX ) contacted me by letter about a debt collection. I sent certified mail back to FCR Services saying that I dispute the debt and requesting verification after which FCR Services stopped calling me and never provided verification. In XX/XX/XXXX, FCR Collections started calling me repeatedly about the same debt and re-sent a letter about the balance to me in XX/XX/XXXX. 
I still have not received verification of the debt so I consider this a violation of my rights under FDCPA to continue trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of several accounts on my credit report that are inaccurately marked as charge-offs due to identity theft. I have recently become aware of this fraudulent activity, and I am taking prompt action to rectify the situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have attached supporting documentation, including a copy of the identity theft report filed with the appropriate authorities and any other relevant information. This documentation serves as evidence of the identity theft and supports my request for the aggressive and immediate deletion of these erroneous charge-off entries. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receiving the dispute. Given the nature of identity theft and the potential harm it can cause to my financial well-being, I request that you expedite this process and take aggressive measures to remove the fraudulent charge-off accounts from my credit report at the earliest possible time. 

I kindly request that you provide written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. Additionally, please ensure that my updated credit report is sent to all entities that have received my credit information within the last six months. 

Your immediate attention to this matter is crucial, and I appreciate your prompt assistance in resolving this identity theft issue. If you require any further information or documentation, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX 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 response to consumer: Closed with non-monetary relief