vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2024, I used my Synchrony Bank/Verizon Visa credit card to make a payment of {$4400.00} dollars. It was denied. Then, I got a message text from Synchrony Fraud Solutions/Verizon Visa asking me to answer Y if I was making that charge. I replied Y and got an answer to try again, which I did. It was declined once again. For this reason, I called Synchrony customer service at XXXX. After XXXX minutes on the call, the agent told me that the problem was at the merchant end and advised me to contact the merchant. I did and they advised me that Synchrony Bank was denying approval. So, I tried making the payment using a different credit card from a different bank. The payment was approved right away. This is indicative that Synchrony/Verizon Visa unfairly denied approving the payment/charge of {$4400.00} dollars. I feel I was discriminated against because I'm a responsible card holder that pays off my card 's balance in full every month to prevent paying interest charges. Synchrony/Verizon Visa would give me 3 % in rewards for this charge. This appears to be the reason they denied approving the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I disputed a charge for {$620.00} that occurred on XX/XX/XXXX because I could not resolve the issue with the company. I sent Chime all info. The dispute was denied on XX/XX/XXXXXXXX  with no reason given. Further research has shown that Chime often denies disputes and doesn't investigate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: DISCOVER BANK
State: MA

Complaint narrative:
( This submission is related to existing complaint and contains uploaded documentation not included in previous submission. ) On XX/XX/2023 disputes were initiated for two charges. On XX/XX/2023| requested that these two disputes be closed and the money returned to the merchant. The merchant reports the funds have not yet been returned to his account and threatens legal action unless I send him a check for those amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MN

Complaint narrative:
I called XXXX VEHICLE AND PROPERLY INSURANCE COMPANY ( the alleged original creditor ) on XX/XX/2024, in regards to a collection on my consumer report and requested validation of the alleged debt of {XXXX}. They refused to provide me with the information because they claim to have no record of it. Then referred me to XXXX XXXX XXXX  Prior to my phone call to XXXX I contacted XXXX XXXX XXXX XXXX XXXXXX/XX/2024. I requested, Proof of Contract : With no evidence of perfected security, I require documented evidence that a valid, enforceable contract exists between us, demonstrating that I am legally obligated to pay the alleged debt. This documented evidence should include : - The full and unaltered contract, signed by all parties involved. 
- Clear and specific terms and conditions outlining the rights and obligations of each party. 
- Any amendments, addendums, or modifications to the original contract, if applicable. 
- The dates of inception and termination, if applicable, of the contract. 

They told me they would send documentation and validation of the debt, which I never received. Then was given a complete runaround when told to contact XXXX ( the original creditor ) at the conclusion of the conversation. They were very untruthful and non compliant in providing me with the information needs to resolve this matter. Both companies are in violation of the ( FDCPA ) & ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Notice of dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Inaccurate Reporting Dear Experian, I am writing to dispute inaccurate information on my credit report. This dispute pertains to a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe that the information being reported on my credit file is incorrect. While I understand the importance of providing details to support my dispute, I am writing this letter to notify you of the inaccuracies without offering specific information currently. 
I am aware of my rights under the Fair Credit Reporting Act, specifically 15 U.S.C 1681i ( a ) ( 1 ) ( A ) which requires you to conduct a reasonable investigation into any disputes raised by consumers. I am requesting that you investigate the inaccuracies regarding the mentioned IC SYSTEMS account and make the necessary corrections. 
I kindly ask that you promptly initiate an investigation and correct any inaccuracies in my credit report. Please send me a written response confirming the results of your investigation. If additional information is required to verify the inaccuracies, I am prepared to provide it upon your request. 
Thank you for your prompt attention to this matter. Please be advised that I expect this issue to be resolved within the statutory time frame of 30 days, as outlined in the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
This is my refilling complaint to EXPERIAN for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
MOHELA keeps calling me, trying to get me to make payments and emailing and dept of education too, but I am a current attending student and should be in in/school deferment. MOHELA is trying to force me to start making payments or else I will be stuck into default. These student loans are already unconstitutional, as all rights to uniform bankruptcy and borrower rights and protections have been uniquely removed from all student loans. As a result, current lender, MOHELA, and the Department of education are now doing whatever they want with me, forcing me to default in the past, have to rehabilitate my loans to get back to school, and now that I am in school, they are trying to force me into repayment or default again. Not a single MOHELA rep will answer my calls or emails and dept of Ed will not help either. I need immediate assistance so I dont get forced into default again and kicked back out of school because of their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
Subject : Notice of Equitable Interest in Trust Account Dear [ XXXX, Equifax, and XXXX ], and its agents and trustees, Greetings, I hope this letter finds you well. I am writing to you as the beneficiary of XXXX XXXX XXXX XXXX XXXX. I am asserting my equitable title and interest for the account of XXXX XXXX. It appears that you are in possession of my property ( XXXX XXXX credit ( trust ) report ( estate ) ), while you may possibly have legal title, I am aware that the equitable title and interest supersedes that. Being in possession of my property means that you are a trustee and we are in agreement to merge as one. I will attach the agreement between us, which has also been filed publicly to hold you to the trustee role. Thank you for continuously holding my property and being a part of the team. If you disagree with this, release and return my property ( the account ), back to the original trustee who was handling business in my best interest. As trustee I requested you stop reporting any adverse reporting to my trust report. XXXX is centered around fairness and equality. XXXX does not punish. Reporting adverse actions is punishment. XXXX regards the beneficiary as the true owner, and the credit report you are furnishing to credit reporting agencies is my trust report, part of my estate. Everything is trust. Everything is an agreement and if anything has my name on it thats a legal title of my estate. Since you are furnishing this information that makes you the trustee, I request that you uphold your duties and settle the obligations to this trust. Thank you for your attention to this matter. I anticipate your prompt and cooperative response. Sincerely, [ XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
my account was getting hacked by a scammer and I called everytime and i even got a police report they will not refund my money and keep giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BankAmerica, in their client portal, suggested a credit card for rewards ; I applied on XX/XX/XXXXXXXX XXXX XXXX and they ran my credit with XXXX twice, again on XX/XX/XXXXXXXX XXXX XXXX  Then they mailed me and wanted personal documentation ; which is fine ; I sent them the required paperwork. I have several accounts with them. The issue is I authorized them to run my credit only once and not twice. I want them to remove this inquiry from my 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 2024-01-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Fraudulent accounts added to my consumer report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
Fraudulent accounts added to my consumer report without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
The report from XXXX XXXX  was to be changed after an investigation from Consumer Financial Protection Bureau, submitted XX/XX/year>. You were supposed to change it and you did not. The other two credit agencies DID make the change. This is from Woman Within : As a courtesy, we sent a request to the credit reporting agencies to remove the delinquency from the credit report. As a courtesy, we previously applied a credit of {$67.00} to the account for the associated late fees. 

It was THEIR error. Please change the information. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: OR

Complaint narrative:
I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over XXXX  days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Canceled my American Express platinum card after they charged the annual fee. Requested that the card/account be canceled shortly after the renewal and they refused to refund the prorated annual fee back to me.

Company response to consumer: Closed with explanation