vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
I asked the bureaus to do verification and they sated that everything was accurate. I did thourough research myself and found improper innacuracies on credit report even after they did the careful research.

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 2023-05-16 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: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I filed a complaint against Firstmark services regarding my private student loans earlier this year. In effect, they did absolutely nothing to help me with loan repayment. The only change has been an increase in my monthly payments. If this continues, I will have to start choosing between eating and making timely loan payments. Furthermore, since Firstmark took over my loans in 2022, my total balance has decreased by less than {$1000.00}. The majority of my monthly payments is applied to interest. This can be seen in my payment history attachment ( I redacted personal details ). Right now, I bring home less than {$45000.00} annually ; I live paycheck to paycheck. The company 's initial response to me was tone deaf, at best. Something must be done about the predatory nature of private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one shows a late payment in XXXX of 2022. This payment was never late. They had an issue processing the payment every time I called to have it dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I already have a complaint submitted with this company and now to get back at me they are leaving threatening voicemails every single day that I have as evidence on my phone. I have dates, times and names. They call every single day multiple times a day telling me they are going to take my vehicle, they are going to sue me, they will take my job, they will do whatever it takes. That they are a large corporation and that corporate does not care about complaints and that I have really done it in for myself. Please someone help me.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: DC

Complaint narrative:
On XX/XX/2023, I received a notification on my XXXX XXXX and XXXX app that a collection was listed on credit report. 

I looked into the details, and it said I owed {$2100.00} dollars to T-Mobile. I have never used T-Mobile in my life, my first phone account was with XXXX. I immediately knew this had to be fraud. 

I contacted my local police department and notified XXXX of this fraud on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regions/Enerbank USA- is showing a late payment on my credit history. I Initially setup an ACH draft to pay this installment and have made over 20 successful payments. I recently was made aware that this account was reporting late to the credit bureaus. I never authorize this ach to stop, never contacted my financial institution to stop. When I contacted Regions/Enerbank USA I was informed that I selected to have the payments stop when I signed up which I did not do. The company says there is nothing that they could do. This not acceptable for me as I am business owner, and my credit history is extremely important. Once I learned my payments had stopped, I paid the account in full. I need this late payment removed from my credit history. But the company is unwilling to work with me and saying it is my mistake, but I do not agree and believe it was a system error on their end. The company said they tried to contact me but their info shows up as spam via mail and phone. As when I saw the attempt to reach out once look into my spam folder to validate.

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 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX, XXXX, and XXXX are reporting that LVNV FUNDING LLC is attempting to collect an alleged debt of XXXX $ .LVNV FUNDING LLC does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately. I contacted the credit bureaus and it is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are a coaching business ( XXXX XXXX XXXX ) that has been going for almost 2 years and we launched a new program that has been very successful. We were notified XXXX of XXXX that because of our increase in volume they were reviewing our account for risk and ask for us to provide them with information. We had a brief message from them with no detail and were told to arrange an appointment. We have been trying to do that but BofA customer service says they can only send the risk department an email. As all of our client payments go through this process they have essentially bought our small business to a stand still. We continue to serve our clients as they have paid in their opinion but Bank of America is holding our funds and refuse to transfer them. We have called every day but to no avail and we need the funds. This is the first time I have ever been penalized for success. They are causing significant consequential damages to our business.

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 2023-05-16 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: NC

Complaint narrative:
I disputed an item on my credit report on XX/XX/2023. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Transunion should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-05-16 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 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: IL

Complaint narrative:
please see attached file

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Hello I'm trying to Get Equifax to mail me information but they wouldn't even talk to me about. I only wanted to update my phone number. I don't have printer so I need them mailed. They want to charge me. A citizen is suppose to get one report a year free with forms for disputes. HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I got a letter from Synchrony Bank, XXXX PA, stating that I tried to open a credit card from Synchrony Bank for my Paypal account. ( XXXX XXXX : XXXX ). 

I NEVER TRIED TO OPEN A CREDIT CARD for my Paypal Account ( associated with XXXX ). 

I tried to report this fraud to Synchrony Bank, but I have no way to contact them unless I already have an account with them. Therefore, this complaint is against Synchrony Bank because I have no way to report fraud to them unless I already have an account with them. 

( BTW, I actually do have an account with them associated with the retail chain PC XXXX, but this fraud attempt described above is NOT ASSOCIATED WITH THAT ACCOUNT ).

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
The company sold my mortgage and did not release the title so it shows as two mortgages which I do not have. I have never had two mortgages on my home. I want it corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
I have written letters to Experian, XXXX, and XXXX about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.

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 2023-05-16 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: IN

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16 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: NC

Complaint narrative:
I disputed an item on my credit report between XXXX XXXX XXXX. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX XXXX ) and innocently lost {$190000.00} USD of my hard-earned life-savings. It started in XX/XX/2022 when a woman claimed to misdial a phone number asking about a client. We started talking to each about personal life and over the course of a few months she recommended cryptocurrency trading for making money through Crypto.com and XXXX. I was intrigued and unknowingly decided to put money into the XXXX  platform thinking it was a legitimate trading company. XXXX XXXX cleverly orchestrated a prevalent scheme of deception to lead me to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud me who is inexperienced and nave in the cryptocurrency market, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by XXXX XXXX. Due to personal circumstances, I was particularly vulnerable during the victimization period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. To be clear, people who have been scammed such as myself, are not individuals who have made poor investment decisions. They are people who have been tricked, lied to, deceived and emotionally manipulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was obtaining my free annual credit report I had obtained 2 of them and I was to receive the XXXX credit report when it sent me to some page that had nothing to do with my credit report. I went all the way back and tried again. Same thing then it directed me to your alls page to file a complaint. All I want is my annual credit report that is free. I only get one a year. Im trying to clean my credit report up. Ive seen things on the other two reports that is wrong. I just want you the report sent to my email XXXX will you please help me

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/23 I went to a Chase drive-through ATM. I put my debit card in the ATM and deposited {$420.00} cash. XXXX {$20.00} dollar bills, XXXX {$50.00} dollar bill and XXXX {$10.00} dollar bill. The ATM said take your card and gave me a receipt that said call this number to the claims department. I immediately looked on my online banking and saw the money was not in my account. I went into the chase bank and told the teller what just happened and she said they do not service those ATMs. I then called the number and they gave me a {$420.00} credit. This morning on XX/XX/23 I woke up to that credit being reversed. I called the claims department they said there was no error on their part so they reversed the credit. I finally talked to someone above them and they gave me the number to their executives office, saying they will be able to do a full investigation looking at cameras. When I called them they said I had to call the police and file a report, they don't deal with customers directly. I called the police, they said there is no crime so I was unable to make a police report. Chase has no other options for me. I need this to be resolved please.

Company response to consumer: Closed with monetary relief