vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These are outages fees and we have to use B of America because they made a deal with XXXX. I bet theres a huge kick back setup here that someones making. Please 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 explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-04 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland placed a collections on my credit reports with all 3 credit bureaus on XX/XX/2021. This was an error because I never had an account with Midland or any company associated with them. They filed civil suit in my county XX/XX/2021 which was later dismissed on XX/XX/2021. This should not have been reported to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX XX/XX/XXXX XXXX on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 describes a finance charge was the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XX/XX/XXXXXXXX took cash.The finance charge is supposed to include insurance but XXXX XXXX XXXXXX/XX/XXXX XXXX made me purchase insurance separately. Pursuant to 15 USC 1635 I was never told I had the right to rescind within three days nor was I given all of the notices that come along with all consumer credit transactions. This has caused great harm against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND

Complaint narrative:
USAA fraud department refused to reimburse funds to the account due to a scam of {$740.00}. I immediately notified the bank of the incident and uploaded all supporting documentation to show the malicious and complexities of the fraudster. The banks reasoning is that the money sent to the other account was a registered XXXX user and isn't fraud. However, this is fraud because the user created fake XXXX business emails to solicit the money. I believe that I did not act out of negligence and this was a thorough and premeditated attack on my finances. USAA does not have an appeals process at this time. It is important to note that I have banked there for 8 years and am considering switching due to their unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On or about XXXX of XXXX, I started an online checking account with XXXX. and received funds to the newly opened account ( no issues ). On or about XX/XX/XXXX I was arrested and detained ( pending post trial/unrelated ) and was released XX/XX/XXXX. Upon my release I contacted CHIME inquiring about my funds that were depleted from my account in the amount of {$4900.00} to no avail. Upon filing a dispute claim ( # XXXX ), CHIME personnel refused to investigate my claims, update email address, phone number, etc. While speaking with personnel the services received was unprofessional, unethical and criminal. I'm seeking assistance demanding the return of misappropriated funds by CHIME in the full amount of {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: LEXISNEXIS
State: NJ

Complaint narrative:
I have become aware that the company LexisNexis has violated the Fair Credit Reporting Act by accessing and selling my consumer report to other consumer reporting agencies without my permission. As a Consumer in Fact, I have the right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) and did not give LexisNexis authority to have my personal information in their database or to sell my information to other consumer reporting agencies which is an infringement upon my rights as a natural person per Title 15 Per USC 1681b ( a ) ( 2 ). 
I have forwarded to LexisNexis an affidavit and invoice specifying my requests and have not heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX. 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACEPTANCENOW XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2020

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 2022-02-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked Experian and XXXX to remove this information on my report as it is incorrect. 
They never did!

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 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On all of the websites below, including your website, and my credit report it clearly states that, " You can contact the nationwide credit reporting companies online, by mail, or by phone : '' to make a dispute. 

I have tried every option on experians automated phone service with every number they list and it will not allow me to make a dispute by phone! This is clearly false information published by them and you and should either be taken down or better yet just actually be able to make a dispute via the phone number. 

It has vague information on my report like, " Too many accounts opened recently '' so I want to see what accounts have been opened to verify this information is correct but it's not stated on my report and I can't get a hold of anyone to even see if I have a dispute to make! 

I don't want to file a dispute until I know that I actually have a dispute lol Please fix these issues or bring it to the attention of someone that can. 

XXXX XXXX XXXXXXXX/ XXXX XXXX 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 explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Student loan has been paid in full and student loan servicing company ( University XXXX XXXX, XXXX - XXXX XXXX ) sends monthly statements showing the loan as a {$75000.00} line of credit. They refuse to address or close the account despite my requests and payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was arrested at The United States Probation office on XX/XX/XXXX. My purse wallet and cellphone were left in the vehicle with two individuals who stole my items and was able to access my funds that was in my PNC checking and savings accounts. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I tried to dispute the fraudulent transactions as I had no way to access these funds from behind bars and the outcome of the dispute was these fraudulent transactions were valid. I provided them a letter of incarceration from The Bureau of Prisons detailing the dates of my imprisonment. I reported the theft to XXXX Police Department and The Attorney General of Illinois. The bank who claims zero liability on debit cards is false advertising. I have a CFPB number and it is XXXX. I talked to an individual from the bank and the evidence they used to confirm these transactions was atm footage. I wrote them back in XXXX to ask for the evidence they went by to confirm these transactions and they still have not sent them in violation of the Federal credit Act. I also have a reference from the Attorney General about my case, File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMC ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I received an offer letter to resolve a past due balance on a totaled vehicle with XXXX XXXX XXXX. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. XXXX has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all XXXX major credit agencies, and XXXX has refused to update and correct the incorrect information currently shown each time. They went so far as to update my TransUnion report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I was issued a loan from Loan Me Inc. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation