vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I was contacted XX/XX/XXXX to purchase something I had listed on XXXX XXXX for sale and they wanted to send payment to prove purchase intent since I was on my way to work. We set upa morning meeting before discussing payment, everything that had been normal for previous sales, then I listed how I was able to take payments which XXXX was chosen. 

They claimed to send payment and I received an email saying I had to upgrade my XXXX  to a business account in order to receive the {$1500.00} because it was over my acount type limit. I knew there was a difference being an individual vs a business using XXXX because I had seen the fee note during previous legit transactions, but I couldn't find something that specified what was being asked and I was then at work so short on time. 

Supposedly an extra {$300.00} was sent to initiate a business account that I was to immediately return, which I did after research again turned up nothing ( including scam warnings ), but I refused to continue anything else when another email wanted an additional {$100.00} to activate a business account and give me access to the {$1500.00} payment. 

I contacted my bank, Prosperity, as soon as they opened the next morning ( Friday XX/XX/XXXX ). The transaction still said pending to me, but my bank said it was already completed and to call back Monday for someone that could better help me. I called back Tuesday XX/XX/XXXX because I had been out of town and was immediately told nothing could be done regardless of Regulation E, but " please let us know if you do find something that says otherwise. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Representatives named XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX contacted me claiming to be collecting on a debt owed to Citicard ... however when I try to verify the actual name of the company they work for they refuse to provide that information, in addition to any contact information such as address and phone number. In addition I was told they were also required to provide their professional business license number which they refused to do. However somehow this company has obtained access to my personal identifying information. This is the same company related to my last complaint completed under XXXX. Its obvious that they are fake debt collectors threatening to sue me for debt I don't have. First they claimed it was a debt with XXXX XXXX, then it was XXXX something, and now its Citicard. This is not right and they need to be shut down immediately for the fraudulent behavior.

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 2022-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: NY

Complaint narrative:
It's regarding student loan with Firstmark Services. They have negatively reported to credit bureau due to late payment but the notification for credit report policy was not delivered properly. Also, it has misled the clients to make a payment until the end of the month. For example, my monthly payment was paid on XX/XX/30 before end of the month, but Firstmark Services has reported before end of the month even though we are not aware exact deadline time that we must pay in order to avoid any issue with my credit history. As a result, it has affected personal credit report very bad even though it has been paid properly. Firstmark Services ' goal is not making clients credit score lower, but they are doing the payment process for clients correctly. Even though we have spoken to customer service supervisor XXXX, she did not care anything about personal credit score which could huge impact on our family in this tough financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
This account has been improperly reporting since XXXX reporting on-time with XXXX, when after speaking with multiple reps this account was charged off in XXXX of XXXX. There should have been no reason for this account to be reporting inconsistent as it has. I became aware of this a month ago when i was denied a federal student loan for this account reflecting open within 2 years with a balance when it should have been reflecting charged off for over 6 years. Federal student loan would not accept my appeal stating this account was within 2 years and i needed a letter proving the date of charge off. I have been in contact with your company for over 2 weeks regarding the intentional irresponsible reporting to my XXXX credit report. I have called numerous times regarding this issue that was finally corrected with the credit bureaus. These irresponsible actions have caused for denial of lines of credit. In light of the previous suits of Santander consumer violating consumer laws within my state and most recently violation CFPB resulting in an internal investigation and civil penalty I am fully willing to proceed with bringing this to the light of the attorney general of the State of New Jersey for once again violating consumer laws which are in place to protect myself and other consumers. Your company was previously advised by the CFPB to have corrected these issues in which you did not and are still violating consumer laws. Over the past 5 years you have improperly reported this account to the credit bureau of XXXX. I have made an attempt to remind your company of your duty pursuant 15 USC 1681 on your intentional and neglectful actions in remedying my affairs. 15 USC 1681e ( b ) assures i am due, promised accuracy in my report based on federal laws and you have done exactly the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Fraudulent inquiry : 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 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Trying to clean up my husbands credit. 
He is a combat veteran with XXXX, who recently also had XXXX and well as our entire family over the span of 3 months that put even more strain and stress on him. 
XXXX XXXX states they can not provide us or help us with the items we are requesting and need to be done, that will help clear up some issues on his credit as well as that need to be provide our mortgage lender for rescoring purposes to obtain a new home. 
They were unhelpful and seemed to careless. 
I was shocked and beyond disappointed that this is how such a large bank would treat a veteran and his family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have called this company several times to inform them, i am not getting the code sent to my email so i can register my account and make payments online. They did not understand one word I was saying, i have asked for mangers as well. IN my opinion they play games and act like they don't understand English to XXXX us over on these credit cards. No where in the terms did it say they could not text me the code to my phone the code so i could register, Nor in their terms did they mention they do not understand English, if they mentioned the above I highly doubt anyone would open with them. This company is SCAM, and not sure why no-one has investigated them instead allow American 's and whomever else to get conned. They refuse to send me a statement as well. I now have to mail payments which is causing me to be late and i keep getting fees which is not fair. I am done with these people, I am totally willing to pay what is owed not any fees cause its their fault, but not to them. This is straight XXXX that my credit is screwed up because they cant do their part, I have reached to XXXX  as well and guess what Fortiva did not respond to them. When we call the numbers they calls us from they ring busy. I want to be done with them but they call me 15 times a day wanting money. How do I get rid of them and it not effect my credit? i sent them 12 emails for help. I hate this Company and they should be registered as FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax shared an incorrect credit score with lenders, which affected my ability to qualify for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX XXXX- {$1200.00} XXXX. XXXX XXXX- {$3400.00} XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX- {$1700.00} XXXX. XXXX XXXX- {$1500.00} XXXX. XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( XXXX  XXXX # XXXX ) and ( 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also the credit bureaus took more than 30 days to complete my investigation.

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 2022-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested debt validation from Equifax about an account that is reporting inaccurate information on my credit report. XXXXXXXX XXXX ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( 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 you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, XXXX XXXX sent me {$45.00} dollars. Identifier Number XXXX. This is with Cash App. On XX/XX/2022, at XXXX AM I called Cash App... no one answered the phone. So, I sent a text message on XX/XX/2022, I called Cash App and spoke with a " XXXX ''!! XXXX, is the one who fixed it where it showed " Received '' and NO Money went into my Bank. On XX/XX/2022, I called Cash App and spoke with " XXXX  '' she told me to Re-Boot my Cash App Account ... and it messed it All Up. at XXXX AM I called Cash App again on XX/XX/2022 ; and spoke with a " XXXX '' and he was giving me the run arounds. So, I asked to speak to a Manager and he said NO Managers was Available. At XXXX PM I called Cash App again on XX/XX/2022 ; I spoke with " XXXX '' ... and I got the run arounds again from her. After XXXX PM i was still receiving text messages from " XXXX '' asking me to send a copy of my Drivers License the front and Back and other stuff... this is when My Niece said don't answer them back because they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: AL

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681 This company continues to violate my rights I keep disputing this with proof so how are they doing a fair investigation but ignoring the proof. I was effected by the recent scandal with them giving the wrong score! Experian is governed by 15 USC 1681 I demand the account to be removed! On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate. I have a right to privacy and did give Experian written permission to furnish this account. If they verified it they never sent me proof like i asked.

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