vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: MS

Complaint narrative:
I recently went to purchase a home from XXXX XXXX  and noticed that there are some damages on my credit report according to the 15 U.S.C 1681 law there should NOT be any damages on my credit report it is a defamation to character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info 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 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: Nelnet, Inc.
State: OH

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 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 i believe Information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Your Name Your Address Your Phone Number Credit Bureau Credit Bureau Address Date RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Experian and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 
XXXX XXXX XXXX  -Business inquiry Inquired on XX/XX/XXXX XXXX XXXXXXXX-Business inquiry. 
Inquired on XX/XX/XXXX XXXX XXXX  Business inquiry Inquired on XX/XX/XXXX XXXX XXXX-Business inquiry Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. 

Thank you for your diligence in looking into this issue. 

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 explanation
Consumer complaint received 2023-07-23 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: FL

Complaint narrative:
It should be known that at current time, Experian Credit bureau is reporting a account named XXXX  under account # XXXX that has numerous errors and discrepancies that violate the F.C.R.A. and due process of federal law. Experian is also failing to report a accurate and complete report regarding this XXXX  account. A dispute was filed and assayed to be accurate and updated. Copies of the consumer 's Experian credit report along with his smart credit 3 bureau report are herein incorporated for all errors and incompleteness to be seen. The errors are as follows : 1. Days late under 7 year history says consumer was 90 days late four times. Contrary, under 2 year payment history, it shows the herein consumer was only 90 days late two times and not four. The only 90 days late were in XXXXof XXXX and XXXX. Of XXXX. Both can't be correct. One has to be incorrect. The consumer asserts he has never been 90 days late four times but only two! 2. Payment history begining from XXXX of XXXX until XXXX. of XXXX is missing and or absent making report incomplete. 3. Date of last payment is incorrect. On report it says XXXX. is XXXX of XXXX. Contrary, on two year payment history calendar, it shows date of last payment was made in XXXX of XXXX. Both can't be correct. Only one Date/Month for last payment can be correct! 4. Date account was closed is missing making report incomplete. 5. Date of last activity is missing making report incomplete. 6. Monthly payment amount is missing making report incomplete. 7. Date of first Delinquency is missing making report incomplete. 8. Terms are missing making report incomplete. All errors are in black and white and anyone should be able to see them.

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 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have had what MoneyLion calls a " Credit Builder '' loan, in the amount of {$1000.00}, paid bi-weekly in {$48.00} installments. I have always paid on time. This loan was meant to help improve my credit rating. 

A few months ago, I opted to disable automatic debits for MoneyLion, so I could make those payments manually. I did so for 3 payments ( {$48.00} each ), over a period of 1.5 months. On the fourth, I decided to pay the remaining balance on the loan - approximately {$190.00} - directly, on XX/XX/XXXX. As with any ACH transfer, I expected it to take about a week. It has now been 2.5 weeks, and they have not taken the payment. 

I have attempted to reach out to them via numerous methods : CSR on their app, phone CSR, email CSR, all of which have given me conflicting answers about why they aren't taking this payment, when an explanation was even offered. I have been told in turns, that they couldn't receive the payment because it was " still pending for 3-5 business days '' ( it is Business Day 12, as of this writing ) ; another excuse was that my disabling of automatic payments prevented them from initiating the payment ( which wasn't a problem on the three prior payments ) ; another excuse was that the account didn't have sufficient funds ( both provably untrue, AND the bank insists they have not received any ACH transfer requests from MoneyLion, failed or otherwise ). 

The one thing none of them has said, is that they will take my money. Not one of them. I can only assume they don't want me to pay them anymore. If it weren't for them submitting a non-payment report to credit reporting agencies for their own XXXXXXXX, I wouldn't be half as incensed about this. 

I can not believe this is even an issue. What kind of loan company doesn't take payments? It's usually difficult to get these places to refund or discount something, but they're usually pretty eager to receive money. 

I'm rapidly exhausting all civil means of resolving this issue, and feel that arbitration or a civil suit may be necessary, to force them to take this payment. I still can't believe I had to write that sentence, it's insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated by Equifax starting XX/XX/23. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. As of today, XX/XX/2023 I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a pending charge from XXXX XXXX one on my wells Fargo debit I did not make at All for XXXX dollars. I have no accounts with XXXX XXXX its still pending as well and has it been posted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23 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: NY

Complaint narrative:
Account name XXXX XXXX XXXX Account # XXXX The above stated account was disputed and came back as " verified. '' I'm not sure how this could be since XXXX and Transunion both only list the the original creditor as a residential address. This account was opened on XXXX XXXX, 2019. 
What is the alleged account for? 
Is this a credit card, car payment, medical collection, what was the good or service rendered to me that I owe? 
If this is a valid debt that should appear on my credit report then what was the first date of delinquency? 
Did this account report a 30 day past due? 60 day past due? 90 past due? To my knowledge the answer is no, this account just appeared on my credit report. I understand it is a very common practice for creditors to try and attach an address to the consumer and if they can successfully do so they state the account as valid. I don't know if XXXX XXXX XXXX can do that or not. But what I am 1,000 % sure of is this company nor its alleged original creditor can attach any sort of good, service, installment agreement or contract to me that I was ever even 30 days late on let alone having an account that warrants a charge off and collection. Please remove this 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 non-monetary relief
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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:
inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've been looking to make a big purchase ( engagement ring ) recently so I signed up for Bank of America 's Unlimited Cash Rewards credit card. 

I was approved on XX/XX/23 with a credit limit of {$16000.00}. I chose this card specifically because of the cards features listed here advertised to anyone by Bank of America {$200.00} in rewards for meeting a certain spending amount in 3 months 1.5 % unlimited cash back 18 months 0 % APR My card was shipped on XX/XX/23. I received the card and made a purchase for {$16000.00} ( the limit they gave me ) on XX/XX/23. I placed another {$5000.00} on another Bank of America card ( Customized Cash Rewards ). 

Then on XX/XX/23, I received a letter saying Bank of America was closing both my accounts for the following reasons ( Recent transaction activity on the accounts ) + ( Number of trades on my credit report ). 

As the only transaction that occured on my Unlimited Cash Rewards card was for my engagement ring that must have been what triggered the closure. 

The problem is they essentially pulled a {$600.00} bait and switch with their advertising. They promised the rewards as described for making certain purchases, approved my application and credit line, and now closed my accounts and refuse to provide the {$450.00} in rewards for me to use for the Unlimited Rewards Card. In addition they closed my Customized Cash Rewards card and refuse to let me use the $ XXXX rewards that I earned from using their card for this purchase and previous purchases. 

I contacted Bank of America on XX/XX/23 to log my complaint and a customer service manager named XXXX from Texas, requested reconsideration as he deemed it credible and reasonable. All I have from this complaint log is a ticket number from that date that I saved as a draft in my gmail account ( attached ). 

This can't be seen as gaming the system as I am accepting their advertised offer. I pay all my balances on time. I know Bank of America collects card swiping fees so how can they accept my purchases and bill me the balance without keeping their end of the bargain to provide the rewards as they offered? 

You can't have it both ways... profit off my choice to bank with Bank of America but refuse to provide rewards promised. I'd happily take my purchase elsewhere to another card company who honors their rewards as advertised.

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 2023-07-23 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: NY

Complaint narrative:
I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: NY

Complaint narrative:
I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

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