vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Experian, XXXX, and XXXX have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with Experian, XXXX, and XXXX. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with Experian and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 
Experian is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( XXXX ) '' across all XXXX consumer credit agencies : XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX XXXX ( inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX ( Inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX ( inaccurate balance and/or missing the cents XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) Experian, XXXX and XXXX MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to Experian, XXXX, and XXXX 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my 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 2023-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: PA

Complaint narrative:
XX/XX/2023 it was XXXX dollars and its not even in the account and they always take money from me mf I have to keep disputing it. My job accidentally deposited {$76.00} on this Albee account and the money isnt even there

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
First of all, I wouldnt need to file a complaint on here if you could just answer your phones. I tried calling on two separate occasions each time it tells me that my whole time is more than 20 minutes OK I dont have 2030 minutes to just sit around on hold maybe capital one does but Im busy, and now youre taking up more of my time. This is terrible customer service. 

If you look at this account, I have a balance of {$29.00}. If you go back I have made numerous purchases from a company called XXXX. They were supposed to come out and do work for me but they never showed up. This went on and they just kept billing me over and over and over again I eventually came to the bank and asked for help, whenever you sent the dispute to the company, they immediately refunded every transaction except for this one transaction your guess is as good as mine as to why they left this one transaction out. When I noticed that I called you and I said whats going on and the woman I spoke with apologized and shes like Ill resubmit it and Im sure itll be fine. But guess what the {$29.00} is back and you want me to pay it you have not given me any information as to why this one transaction would not have been disputed or why its showing up on my bank account but the company never came to do any of the work They closed my account whenever I disputed the transaction Why do I still owe {$29.00} why are you not disputing it and if youve exhausted all of your efforts which I havent seen any evidence of, but if you have the baby its time for the bank to cough up {$29.00} and not make the consumer Have to pay for something they didnt get your supposed to be there to protect the consumer. I have good credit I pay my bills I dont have any issues I did my part I reported it I did everything you asked me why are you not doing your part now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
On XXXX a collection was placed on my credit reports and I did not receive proper notification or verification of alleged debt. All notices have went unanswered. 

Please accept this letter as my formal notice and request for the following items on my credit report to be investigated. 

According t the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify throught the physical verificatin of the original signed consumer contract- any and all accounts you post on a credit report. I am demanding to see Verifiable Prof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if yu are unable to provide me with a copy of verfiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I notice fraudulent charges appearing on my AMEX card I reported 2 instances already and this is the third instance This time I notice {$200.00} charged and rolled back on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
citibank must delete the goodyear account or update the balance to {$0.00} because XXXX and XXXX keeps coming back as balance reporting correctly

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 2023-09-25 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate. 

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 request to know all the steps the agency took to 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: EdFinancial Services
State: UT

Complaint narrative:
ED Financial will not process my student loan payment. I have been trying to pay my student loans in full since XX/XX/23. ED financial will show that my payment is processing, and then successful. It shows a {$0.00} loan balance. Then, a few days later, it shows a " payment reversal '' but with no explanation. My bank says nothing is wrong, nothing should be preventing the payment from going through. 

Our bank account information is correct. 
I have more than sufficient funds to pay off my loans. 
Our bank has confirmed that it's nothing on their end. 

Meanwhile, interest continues to accrue. I've now tried paying twice and both times ED Financial has reversed the payment for no reason. It has been approximately 17 days without success. 

I can not get ahold of ED financial to fix the problem. Their chat function isn't " available. '' Their phone lines don't work. It told me to expect to wait on hold for 300 minutes ( 5 hours ). I just want to pay my loans and stop accruing interest. 

I know plenty of others are experiencing the same issue. ED Financial won't answer their calls, provide information, or allow us to pay off loans. I can't reach anyone at ED Financial. It is unfair and has cost me hundreds of extra dollars in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an 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 explanation
Consumer complaint received 2023-09-25 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: Block, Inc.
State: FL

Complaint narrative:
Hello, On XX/XX/2023, my cash app card was used for an amount of {$40.00} for a website XXXX. On XX/XX/2023, I noticed this transaction and reported it to Cash app support right away. From the beginning, there has been no investigation into this purchase, but in fact 3 denied disputes and extremely unprofessional and unhelpful representatives that will not provided me with any proper documentation on why they continue to deny this dispute. Every time that I call, I have representatives picking up the phone to say I can not help you with this dispute, anything else? Without me providing any information. I have spoken to supervisors and multiple representatives who continue to tell me its been escalated and they would reach out with a decision. I have not received any phone calls, emails, or chats from Cash app. The only thing I received was a confirmation that this purchase was captured otherwise, everyone has denied me the necessary documents that support their numerous denials for my dispute. I would like this account closed as soon as possible, to report all of the representatives that denied me my right to speak with a supervisor and the stolen money put back into this account so I can close it. I would also like to report XXXX who refused to assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I use bank of America mobile banking for all my transaction and my main source of money consolidation. I never requested or authorized XXXX to be an option for transfers, it has just always been there. I decided to use it one day, assuming it as a safe transaction since my bank has it as a default option to use if needed. I incorrectly typed the wrong phone number when sending money and was too quick to hit send. Immediately after the money was sent I called the bank and let them know I made an error and requested for them to stop the transfer as it was still pending. The bank informed me that this was not possible and as soon as the button was pressed, the money is gone. The bank has refused to help me as they see it as an " authorized '' transaction since the numbers were typed by me. I can not get help from anyone and this money was for 4 different people that I can not afford on my own to be without.

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WI

Complaint narrative:
I have contacted EdFinancial several times since XX/XX/2023. On XX/XX/2023, I received information that they placed me on the XXXX plan, which increased my payments beyond what I am able to afford. I asked several times through the email function to remove me from the IDR and place me back on the standard plan. They have responded once, saying if I want to reduce my payments on the XXXX plan, I need to submit other documents. That is not what I asked for. I asked to be released to the standard repayment plan so that I can explore the extended repayment option which would lower my payment and make my budget workable. They never responded. The chat does not work - no live agent. The phone line has XXXX minute wait time. I called several times and asked for a callback. Never received a callback. Never received another customer service message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over XXXX points due to their combined incompetence.

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 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
on XX/XX/23 myr omputer was hacked and I.D was compromised. I had my bank do a wire transfer for me to a XXXX XXXX XXXX just to find out a few days later the acct. was fraudulant and my bank, key bank told me they were unable to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay.

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