vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
Sent the office of Consumer Advocacy the following about PHEAA employee XXXX. The company appears to be ignoring my complaints. I feel I'm being treated unfairly or discriminated against because I make complaints. The company is using retaliation against me. 

XXXX XXXX XXXX XXXX ( 6 hours ago ) to Office FYI XXXX The conduct of this employee over the phone with me on XX/XX/2024 was unbecoming of someone who is getting paid to be professional. I would recommend following the appropriate recourse for disciplinary action because the employee 's tone as well as the overall demeanor of the employee was that of a jokester. The employee refrained from taking my concerns seriously and used sarcastic monotones in just about every statement that was made. I believe there are inferences of conflicts based partly on whether or not I have made complaints against the employee in the past. Some of your employees are using aggression against me as a result of my dissatisfaction over their performance as a " professional representative ''. Statements that have inevitably been used over and over ( which I find to be used as somewhat of a sarcastic insult ) are : 1 ) I'm sorry you feel that way 2 ) I'm just doing my job I also hear snickering in the background on occasion as well as TVs playing and things that would discourage any employee from doing actual work or taking their attention away from what they SHOULD be doing while getting paid. 

I have also forwarded this complaint over to : XXXX XXXX XXXX As well as the PA Attorney General 's office, the PA Governor 's office, and my State District Senator. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: STATE STREET BANK AND TRUST COMPANY
State: IL

Complaint narrative:
Money been taking out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
I have not received any information validation information.

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 2024-03-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I am also requesting a copy of my updated credit report.I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
When I Zelle money to XXXX XXXX or XXXX  XXXX XXXX, the money is available instantly, but when I send money to XXXX XXXX, the money is not available until 24 hours later. I called the bank, and said it's not them but Zelle is withholding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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:
Hello, I sent a letter to Transunion ( Certified Mail ) letting them know that I have been a victim of Identity Theft and that they are reporting XXXX accounts inaccurately on my credit report. 

The accounts are as followed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Possible Transunion said they can not block these illegal accounts because they feel like my claim isn't true although I sent all the necessary paperwork and made sure to send it ceritfied mail with a tracking number. 

I don't think it's fair that transunion is doing this to me. 

I'd really appreciate removal of these accounts because they are not mine. the other XXXX credit bureaus have removed them. 

Please fine them or have them help me. 

Thank you.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to 5 U.S.C. 552a, access to requested records was denied in XX/XX/year>, violating 5 U.S.C. 552a ( d ) ( XXXX ). Provisions in 12 CFR 1026.13 were invoked from XX/XX/year> to XX/XX/year>, with a breach of 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ) - no written explanation provided after refusal, and no amendments reflected, violating 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Names of officers, business address, and authorized personnel were not cited, contravening 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Multiple violations of 5 U.S.C. 552a ( d ) ( XXXX ) and XXXX ( d ) ( XXXX ) occurred, disclosing refusal to amend incorrect information to major credit bureaus. From XX/XX/year> to February 2024, 12 CFR 1026.13 ( d ) ( XXXX ) was violated - ongoing billing and collection without informing credit bureaus of the dispute, further breaching 15 U.S.C. 1666a ( b ). The absence of an opt-out notice infringes 15 U.S.C. 6802 ( b ) and 16 CFR 313.7. The installment loan contract in the " XXXX XXXX XXXX '' violates 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ). On XX/XX/year>, denial of correction without written notice violated 5 U.S.C. 552a ( d ) ( B ) ( i ). XXXX XXXX XXXX XXXX violations relate to all three major credit reporting agencies.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 5 U.S.C. 552a, access to requested records was denied in XX/XX/year>, violating 5 U.S.C. 552a ( d ) ( XXXX ). Provisions in 12 CFR 1026.13 were invoked from XX/XX/year> to XX/XX/year>, with a breach of 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ) - no written explanation provided after refusal, and no amendments reflected, violating 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Names of officers, business address, and authorized personnel were not cited, contravening 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Multiple violations of 5 U.S.C. 552a ( d ) ( XXXX ) and XXXX ( d ) ( XXXX ) occurred, disclosing refusal to amend incorrect information to major credit bureaus. From XX/XX/year> to February 2024, 12 CFR 1026.13 ( d ) ( XXXX ) was violated - ongoing billing and collection without informing credit bureaus of the dispute, further breaching 15 U.S.C. 1666a ( b ). The absence of an opt-out notice infringes 15 U.S.C. 6802 ( b ) and 16 CFR 313.7. The installment loan contract in the " XXXX XXXX XXXX '' violates 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ). On XX/XX/year>, denial of correction without written notice violated 5 U.S.C. 552a ( d ) ( B ) ( i ). XXXX XXXX XXXX XXXX violations relate to all three major credit reporting agencies.

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 2024-03-02 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-02 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX at around XXXX I recieved a SMS from the cash app institution, stating that someone whom I have recieved cash from " via cash app '', from before for a service that was completed, the individual had filed a dispute and without my knowledge or consent charged my cash out of my primary bank linked to cash app. I had previously reported this individual for trying to scam me and harass me to get my services done for free and delicned his refund request on XX/XX/year> and blocked this individual from harrasing my business as I no longer wanted to serve this individual for harrasment, I filed the report with cash app on XX/XX/year> and that was the end of it, until as previously stated cash app unknowingy and without my consent withdrew XXXX separate transactions XXXX for XXXX $ and the XXXX for XXXX $ for a total of XXXX $ US Dollars, these were unauthorized withdrawals and I immediately got on the phone with XXXX XXXX and locked my card and reported this to XXXX XXXXXXXX XXXX XXXX and cash app on XX/XX/XXXX at around XXXX when I noticed it, but neither were cooperative nor willing to stop the unauthorized withdrawals, I then visited the XXXX XXXX branch the very same day at around XXXX XX/XX/XXXX, to try and get this stopped from withdrawing and the Representative told me that I had to deal with cash app and not them, I then called cash app immediately and was told they could not do anything about this unauthorized withdrawal and told me to contact XXXX XXXX I am reporting this because the refund was declined previously with cash app and yet over a month later, cash app still withdrew the cash without my consent and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: FL

Complaint narrative:
Hello, I sent a letter to Experian ( XXXX Mail ), letting them know that they are reporting XXXX accounts inaccurately on my credit report. Experian responded claiming they did an investigation on these accounts and they came back verified. As a consumer, I have the right to ask for proof of this investigation and they have not provided ANY proof. 

I have done everything I can as a consumer. Experian is breaking FCRA laws! 
I told them they if they do not show proof of an investigation, to either remove these accounts or update them to " Paid as Agreed '' and they have done neither. 

CFPB, I plead that you help me. I don't know what else to do. Experian is getting away with murder ( metaphorically speaking ). I don't think it's fair what they do behind your back and I seriously have all the proof that I've done what I'm supposed to do. 

The XXXX accounts in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have them update these accounts or have them removed. 

If not, please fine them. 

Thank you.

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 2024-03-02 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: FL

Complaint narrative:
Hello, I sent a letter to Equifax ( XXXX Mail ), letting them know that they are reporting XXXX accounts inaccurately on my credit report. Equifax responded claiming they did an investigation on these accounts and they came back verified. As a consumer, I have the right to ask for proof of this investigation and they have not provided ANY proof. 

I have done everything I can as a consumer. Equifax is breaking FCRA laws! 
I told them they if they do not show proof of an investigation, to either remove these accounts or update them to " Paid as Agreed '' and they have done neither. 

CFPB, I plead that you help me. I don't know what else to do. Equifax is getting away with murder ( metaphorically speaking ). I don't think it's fair what they do behind your back and I seriously have all the proof that I've done what I'm supposed to do. 

The XXXX accounts in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have them update these accounts or have them removed. 

If not, please fine them. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
I have not received any information validation information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
I have not received any information validation information.

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 2024-03-02 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: CA

Complaint narrative:
Around XX/XX/XXXX iwent to make a purchase and it kept getting declined. I called chime and they said they suspended my account Im guessing because i lost my old phone and l had to borrow a phone to use to use XXXX XXXX with my chime card. After my account was suspended l gave the phone back After i took my info off the phone. So when i called chime they told me that to be able to get access to my account again i would need to have a valid ID or drivers license but the only thing i had at the time was a temporary paper copy you get when you renew yourlicense because I had just renewed it. They said it wasnt acceptable. I disagreed and was very upset because i hadn't done anything wrong. I just had to renew my license and it takes quite a while to get the new one in the mail. My license only just came like a week ago on XX/XX/XXXX and when XXXX XXXX i had to Scan it and take picture of myself. And then finally i had access to my account. The only problem was that all the money in my checking was missing but my savings account was stil there. I'm guessing that they werent able to access My savings account. But i was quite confused because l was told that my account was suspended to protect my account. That Includes my funds. But chime failed to do that. And the whole Time up until about a week ago i didn't have access to my account In any way. Had i had access to my account l would not have let this happen but unfortunately i didnt, So during the time those transactions occurred chime was In control of my account not me XXXX of put a stop to it the first day as im always checking my account for unauthorized purchases. Another thing i was hospitalized for a few weeks during which some of these transactions occurred, I have called the XXXX hospitals i was hospitalized In and it would take some time but i believe i can get those records. It might just take a week or so. l don't think Chime would really need them though as the fact that i didnt have access to my account should be fact enough to return those funds to my account. A dispute was filed and has been denied like XXXX times. I don't get why. And chime has even asked me to send them copies of their own emails to show my account was suspended and the supervisor said it should go through this time but a few hours later I get another rejection email. I don't know what to do with these guys. I'm very upset that because of chime I was forced to be homeless and without funds. It's not right, then to have my money gone when I do regain access to my account is just not acceptable in any way and they need to put that money back.

Company response to consumer: Closed with explanation