vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
I filed a dispute overe the phone, also sent them proof ' never resolved the matter Its like the doing fake investigation. Sold a debt to this company ( XXXX XXXX XXXX XXXX ) I sent proof that the company Does Not DEBT COLLECT Licenses in the State of debt which is Georgia. I attached proof to my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: DE

Complaint narrative:
Jefferson Capital brought an account from XXXX XXXX collection amount of {$920.00} I asked them to send me something validation of this account and they did not respond and now its on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I never missed a payment for about 12 years or so and all of a sudden I got a message that I missed a payment. I called to find out why they had this record and they gave me a long explanation that my payments over that last couple of years was short because of escrow increases. I had no knowledge of such and told them exactly that. They said too bad and I would have to make up the payment. ( over {$3000.00} ) The also told me that they were holding my money in a separate account until the next payment I made covered the amount of the payment missed. They then kept the additional money in that added account. I told them I would catch up the account over the next 4 months and they said they were ok with that. Over a couple of years my money was kept in an account separate from my mortgage and it gave me no interest or availability to the account. It was in essence their money. Then they started charging me a late fee each month until the account was caught up, which they said they would not do. It was a stressful time during and past covid when my business was essentially shut down. Late payment fees and hidden accounts I did not have any knowledge of. Sounds just like Wells Fargo. I'm sure there were thousands of these accounts that Wells Fargo was holding peoples money for their own interest and not the consumer. Thanks for your understanding!

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IN

Complaint narrative:
There was criminal report that showed up but it should have been resolved by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
When checking my credit report, I noticed a new credit card account : USAA Saving Bank. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a call from my bank notifying me that suspicious activity was recognized on my debit card at XXXX AM in the amount of {$5400.00} at a nearby casino. My debit card was immediately canceled, and a report was filed with US Banks fraud department. They informed me that they will give me a provisional credit on my account. I did not hear anything about the banks investigation until I received a letter in the mail on XX/XX/XXXX stating that their investigation was complete and that they were going to reverse the provisional credit in 2 days ( XX/XX/XXXX ). I called the fraud department and they told me that they denied my claim for two reasons ; 1 : My chip was used during the transaction and because the location of theft was localized to my are. This is impossible because my card never left my wallet and I have not been to this casino in over 4 years. XXXX from the Fraud Department told me that if I wanted to get my money back, I would need to prove that I did not authorize the transactions. The bank has denied any written documentation on their investigation. 

I have been trying to solve my own crime ever since. I have filed XXXX police reports ( XXXX with the XXXX XXXX XXXX XXXX XXXX and another with XXXX Police Department ), I drove to the casino on XX/XX/XXXX and got receipts of the transactions, but the bank will not protect me or give me back the credit. The main reason they told me was because it was impossible to duplicate or clone the XXXX chips inside the debit cards ( an easy XXXX search will tell you otherwise ). This has caused undue stress and anxiety in my life as I keep wondering how I will be able to pay my bills or feed my family. The bank will not help me any further and I do not know what I can do or what rights and protections I have. It is my understanding that the law protects a consumer 's money when there are unauthorized transactions on their credit/debit card.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this company continues violating my rights and is reporting information that is not correct. 

As per 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 to believe that the information is inaccurate. 

Hard inquiries that i don not recognize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-09-11 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: Sentry Credit, Inc.
State: TX

Complaint narrative:
A debt for the amount of {$2600.00} from Sentry Credit is reporting to my credit file. 

I mailed a validation letter to debt company on XX/XX/23 I received a letter back XX/XX/23 indicating that the company was unable to validate debt. 
and did not have the information I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Discrimination and illegal practices. I currently have a XXXX credit score with XXXX and was offered through credit match a saver one capital one card with a minimum credit limit of {$1000.00} and a maximum interest rate of 22.84 %. After I applied for the saver one card that was matched with my credit I was asked to provide a ID and a copy of my Social Security card which I promptly provided. After I provided these documents they gave me a credit limit well below the standard for this product. They gave me a credit limit of {$300.00} with a interest rate of 30 %. This is not the advertised minimum credit limit for this credit card of {$1000.00} and this is a greater interest rate than what they state the credit interest rate is. I called Capital One and spoke to a supervisor by the name of XXXX who couldnt really tell me anything but told me to continue to apply for credit line increase is after a year. I have currently to capital one credit cards with greater limits than this card and got those credit cards when I had a beginner credit score of XXXX. I have been with capital one for a year and both of my credit limits are around {$1000.00}. Ive never missed a payment and I pay my cards off several times a month. After getting my ID and seeing that I am a race outside of Caucasian they gave me a lower credit line than their minimum advertised limit and gave me a higher interest rate than advertised. Other than giving me generic responses in response to my query, Capitol One was unable to provide a rational reason why my credit limit is lower than an average person would be, and a higher interest rate than someone with a credit score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NY

Complaint narrative:
I've sent multiple disputes to Experian and they continue to send me emails stating they could not verify my identity and they will not proceed with the investigation, even after I have verified that it's me sending in these disputes and including my information and photo copies of my identity in the dispute, they still refuse to investigate my dispute

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 2023-09-11 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: MA

Complaint narrative:
Hi, i have been trying to contact Edfinancials customer service for a week now to no avail. i paid my loan not knowing about the XXXX program and how I could benefit from it. i frantically wiped my savings thinking my payment was due soon, but it turns out the due dates were not accurate. i called to cancel my payment so that I can apply to XXXX  but they have not answered calls, emails, their chat does not work. I cant get a hold of anyone. this is a whole {$25000.00} and its a shame I can not get an answer for my calls and I can not speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have disputed this a few times. The last one was around 6 years ago. They said because I started paying again on the loan it was like admission I owed it. They harassed me for years. I was a young single mother. Ive had health issues for years. Ive worked several jobs to provide for my daughter and myself. I did take out one parent loan for my daughter when she was is college. I was paying separate on that one and they talked me into combining the two before covid. Interest is high. Years of payments are missing besides the fact it was dismissed several years ago. I have paid the loans with all my payments throughout the years. Which really should not have been owed after the court accepted the bankruptcy. Its been a life long mess. I dropped out of school at the time because my XXXX XXXXXXXX XXXX XXXX in front of her XXXX  at her office. My new husband had just moved overseas. I was alone. Im now about to turn XXXX. Cant work. More XXXX XXXX and other medical issues and still have this problem. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX Citi Bank closed my account without any explanation and i had a balance of {$710.00} in the account. Citi claimed that they mailed me a check of the remaining balance to my adddtess on XXXX. I called back after 14 business days as I never received the check. On 4 different occasions, a representive told me that they emailed the department who issues the check and as of XX/XX/11, no new notes have been added. Citi has not been transparent throughout this process and no one on their security or speciality team has been able to assist me over the phone. The department who issued the check can not b reached by phone so i am not getting any feedback on whats happening with my funds. This has been extremely frustrating as my account has been closed for 2 months and still havent gotten my funds.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I had a checking account with citi bank. They closed my account with XXXX still in it. I waited patiently for my check in the mail and never received it or info on why my account was closed. Called them several times and they told me I wouldnt be getting a check my accounts closed they are no longer servicing my account so basically stole my XXXX dollars from me. I can prove where the money came from and my bank account that transferred it over into the citi account. I will have attached a pictures of my deposit from my work for XXXX proving my income. And the direct debit from my XXXX  account for 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this letter to formally dispute the late payment entries on my XXXX account XXXX with account number XXXX. I am deeply concerned about the inaccurate and detrimental reporting of these late payments, which has negatively affected my credit history and financial standing. 

I believe that these late payments have been reported in violation of the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention the specific FCRA laws that pertain to this dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) - Reporting Accurate Information : This section mandates that consumer reporting agencies, including creditors like XXXX XXXX XXXX XXXX must provide accurate and complete information to credit reporting bureaus.

2. FCRA 611 ( a ) ( 1 ) ( B ) - Timely Reporting : According to this section, information furnished to consumer reporting agencies must be reported in a timely manner, ensuring that outdated or erroneous information is not included in credit reports.

3. FCRA 623 ( a ) ( 2 ) - Duty to Correct and Update Information : This section requires creditors to correct and update any information they have reported that is found to be inaccurate or incomplete.

4. FCRA 623 ( a ) ( 8 ) - Procedures for Disputing Information : The FCRA grants consumers the right to dispute any inaccurate or incomplete information on their credit reports, and creditors are obligated to investigate and rectify such disputes. 

I would like to emphasize that I have consistently made payments to XXXX XXXX XXXX on time, and any reported late payments are erroneous and misleading. These inaccuracies are damaging my creditworthiness and affecting my ability to secure loans, mortgages, and other financial opportunities. 

I hereby request that Equifax promptly conduct an investigation into the inaccurate late payment entries on my account, in accordance with FCRA 623 ( a ) ( 8 ). I expect a thorough and timely response to this dispute as mandated by law.

Failure to correct these inaccuracies within the required timeframe will leave me with no choice but to pursue legal action to protect my rights under the FCRA and seek damages for the harm caused to my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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