vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In my XXXX XXXX app, I got an offer to apply for XXXX XXXX credit card so that I will get XXXX miles. I applied and when I submitted the application they declined and saying the reason that I submitted multiple applications for credit. 

Earlier they said some other reasons and they did not say anything about that in this declining letter. 

So pelase ask them to stop sending me such advertisement materials and then declining applications. If tehy have no plan to approve why they are sending my such advertisements

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 2023-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
So essentially, google pay has had some kind of bug or issues where they cant seem to verify my account They have been withholding {$720.00} from me and refuse to give it back. I have sent in numerous complaints and done everything i could and am running out of patience. 

I need my money sent to me in check form asap or the account needs to be closed so I can claim my funds via the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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 filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me to get them removed off my 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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
xeter has been reporting late payment on my account since XXXX XXXX. I contacted them XX/XX/2022 and spoke with someone and they provided me with a payment extension for XX/XX/XXXX & XX/XX/XXXX, they sent the form on XX/XX/2022 and I signed the form on XX/XX/2022. I checked my credit recently and I see that it has been reporting late XXXX, XXXX, XXXX XXXX, and XXXX. I called and was told I needed to email the report and forms showing where I did sign, I did that and was told it had to be sent via the portal. I then submitted the forms via the portal. I was then told it needed to be mailed in to disputed. I disputed the issues with all credit reporting agencies, providing the signed form and stating that it was submitted so I don't understand how it late. I received a letter back from Exeter stating nothing would be updated, the late payments were staying. I then called Exeter and explained the situation and was told the extension was not applied because it was never received and that is why the late payments are remaining. Exeter agent basically insisted I never completed the form. I then contacted the company XXXX XXXX and confirmed in fact I did sign the form and it was sent to me on XX/XX/2022, and then submitted to them on XX/XX/2022. I had XXXXXXXX XXXXXXXX email this along with forwarding over the confirmation email that was sent on that day when I signed. I emailed all this information to Exeter again and was told to send via portal. I then sent via the portal then I was told told this should be handled by the phone. I called Exeter back once agin and the first agent stated I should be emailing customer service about this, I explained I had done this, he too insisted well I didn't submit the form and it was my responsibility to make sure the form was received, even though I received a confirmation email that came from XXXX @ XXXX that the form was completed and sent. No one is trying to assist or look into the issue with their system, I need help addressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that you hold about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA ( See attached Supporting Document # 1 ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my C.L.U.E Report with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TX

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # 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

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 2023-03-17 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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I previous sent a letter to this company telling Spring Oaks Capital XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with XXXX and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Cedar Business Services, I have requested verification of the debt and it has not been provided. I continue to get harassed via work email. Confirm the debt owed, that it is mine, and that you are authorized to collect the debt. I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been trying to work with navient about lowering my payments, but they have offered me no other option but to go into default because I can not continue making the payments. I have found a company to help me refinance the loan once it defaults. The problem is that the navient keeps calling me several times daily, even though I have told them about my problem and that I can no longer continue to pay them at 14 % interest rates, which they keep increasing with no help. So I would like them to stop contacting me. But they continue every day into the evening, several times during the day. I tried to work it out with them but they offer not support so I am having to do this as the only solution to deal with this predatory private student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Dear Sir/Madam, I am writing this letter to dispute certain items on my credit report that have been reported by TransUnion and XXXX XXXX. Upon reviewing my credit report, I have noticed that there are several inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Firstly, I would like to point out that the reporting of this information is inaccurate and incomplete, which has resulted in a significant negative impact on my credit score. As per the FCRA, it is mandatory for credit reporting agencies to ensure that the information they report is accurate and complete. However, in this case, I have found that the information reported by TransUnion and XXXX XXXX is not accurate, and it has caused damage to my credit history. 

Secondly, I have not received any notice from XXXX XXXX about the debt they are reporting on my credit report. As a consumer, I have the right to receive written notice of any debt that is being collected from me. However, XXXXXXXX XXXX has failed to provide me with such notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my consumer rights. 

Furthermore, I would like to mention that I have not authorized XXXXXXXX XXXX to obtain or report my credit information to TransUnion. The FCRA states that consumer reporting agencies are only allowed to obtain and report credit information with the consumer 's written consent. However, I have not given any such consent to XXXX XXXX or TransUnion, and their actions are in violation of my consumer rights. 

In light of the above violations, I request that TransUnion and XXXX XXXX remove the inaccurate and incomplete information from my credit report, as well as provide me with written confirmation of the removal of the disputed items. Additionally, I request that they cease all collection efforts related to this debt until they can provide me with the proper written notice as required by the FDCPA. 

I would appreciate your prompt attention to this matter and a timely response. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: PA

Complaint narrative:
Fraudulent Accounts Appearing On Credit Report. 

1. XXXX XXXX XXXX {$4600.00} 2. XXXX {$520.00}

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 2023-03-16 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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # 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

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to a ATM machine on Friday, XX/XX/2023 approximately between XXXX to XXXX or XXXX oclock to deposit {$500.00} cash so I can pay my rent same day so I would not be late on my payment. When I get to the ATM in XXXX XXXX XXXX in XXXX XXXX Florida there was a line, I waited in line where I was the 3rd person, when it was my turn I scan my debit card and put my PIN number and follow the depositing prompt the deposit door open for me to put the money I did, afterwards the ATM machine started acting up opening and closing several times, when I see that the person that was in the line waiting for there turn said to me looks like the machine dont want your money, after they said that to me I reach to get my money back but the machine closes and started processing while it was processing a quick error message pops up and quickly disappeared didnt even get a chance to read it. Afterwards the screen just went to Home Screen didnt even print no receipts or even asked me if I want to print my receipts. When I saw that I thought it was weird so I scan my debit card again and check my checking account to see if the money deposited but it was not. I was confused, so I pretended to make a deposit to see if the deposit door would open so I can see if the money still in there but when it opened there was no money in there, my heart start beating fast because the line was getting longer so before I let the other person that was waiting go next I printed my balance that I had in my account so I can get the customer service number to make a claim and I also call the police to set a police report but they did it over the phone with me had the case number and claim number 3 days later I call the claim department to follow up with my claim they told me that it will take XXXX to XXXX business days to investigate and get a decision, after XXXX to XXXX business days I called they told me that they sent my claim to the wrong department they going to sent it to the non fraud ATM claim department that it will take another XXXX to XXXX business days to get a decision after XXXX to XXXX business days they call me saying that after their investigation my claim was decline/ denied and that the machine didnt have extra money in there and that the machine show no errors.I was mad and frustrated and confused. I just want my money back. So I went to the bank talk to a manager and she file a claim for me in the executive office after XXXX to 7 days executive office stand with the claim decision to decline/ denied my claim. I want help, I want surveillances to pull and I want my money back please help me. I want my money back and more for putting my through stress and late in my rent and I had to borrow the money to pay my rent and still have not pay back the money yet.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

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 2023-03-17 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: AL

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

XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Transunion shows three hard inquiries that are not mine shown listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from 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