vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Starting on XXXX, small amounts of money were being taken out of my checking account, in small increments ranging from {$100.00} to {$500.00}. I was involved in a fraudulent scam where money was taken out of my checking account with the main intention of being able to get my money back with some interest from an investment. I was speaking to this person mainly through the XXXX app and this person kept taking money out of my account and they took a total of {$16000.00}. I found out about this fraudulent scam about a month later, so I spoke to the claims representative at Chase Bank regarding this situation. I wanted to be able to get the debit charges reversed to get my money back since I never got my money back and was basically lied to the entire time. Still, unfortunately, the claims and fraud department denied the claims, stating that " because I authorized the charges, they were unable to reverse the charges and they are unable to stop the pending charges as well since I authorized it. '' I also asked if there were any other solutions that could help me get my money back, but the only thing that the bank said was to contact the XXXX XXXX department since they are the company that took money out of my checking account to see if they can reverse the charges. 

I also spoke to the XXXX XXXX department as well since the scammers also took money out of my XXXX XXXX account and they also denied my claims as well since they claimed that the only way to get my money back was to ask the scammers to send the money back and they are not able to stop the pending transactions. Before consulting both Chase Bank and XXXX XXXX, I already went to the police department to file a crime report on my stolen money due to a scam and filed an FTC report against the scammer. I already explained to both companies about my situation, but they both said that they are unable to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { Creditor Name } XXXXXXXX XXXX  ( XXXX XXXX XXXX  ) { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX universi { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX universi { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, 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 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
My fianc and I were signers of the lease and for some reason, we have a collections being reported on our credit from a company called Allied Collections SE and notifications from XXXX XXXX that collection balance has been increasing. I also that realized that the original creditor was our previous landlord, XXXX XXXX. I reached out to the apartment on record on XX/XX/2022 asking for a line item breakdown of the actual quote or receipts showing actual cost and replacement they charged us as I had a right to but they responded to me via email saying that collection company has that information and was stated we will be provided copies. To date, we have never spoken to anyone in person nor have we received any letter whatsoever from said collection agency to verify the debt or who is actually handling the debt other than what is being reported in our credit reports.

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 2023-12-07 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: VA

Complaint narrative:
I was never late on this account. 
XXXX XXXX XXXX Account XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


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, all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

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 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Starting XX/XX/2023, money was being taken out of my account due to a fraudulent scam that I was involved in. The scammer kept taking money out of my account on the belief that I was able to get my money back with some interest from an investment that they were doing. After about a month, {$11000.00} was taken out of my account with nothing in return. I messaged the scammers about returning my money, but because they were scammers, they never replied to my message about returning my stolen money. I later spoke to the Cash App department about my situation, but they were unable to help since the transactions had already gone through and they were not able to stop the pending transaction they told me that the only way to get my money back was to ask the recipient to send back the money. I explained to them that I was involved in a fraudulent scam but the Cash App department would not even try to help me and told me to contact my bank, which I did before calling Cash App. I also already had a police report made before contacting Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

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 2023-12-07 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-08 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-12-08 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: MO

Complaint narrative:
Experian again closes another complaint without addressing the issue and once again give an XXXX explanation that has absolutely nothing to do with the problem which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Relay Financial (US), Corp.
State: PA

Complaint narrative:
There were XXXX fraudulent transactions that were happening in our Relay Financial account. 

A partner of mine called me and mentioned that he wasn't the one making them. We automatically called the bank and let them know of what was happening. 

Relay Financial allows any XXXX who has Bill Payer access is able to add a ACH Payment and Make a ACH Payment. Since XXXX XXXX, my partner in these XXXX bank accounts had Bill Payer access, the hacker was able to access the accounts, add payees of choice and make payments. 

Transactions were to XXXX  XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$5000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$9800.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$49000.00} ( XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX, XXXX XXXX and XXXX XXXX didn't go through. 
We connected with XXXX XXXX, from XXXX XXXX and he assisted in freezing account and working on getting the {$29000.00} that were transferred out. He mentioned that we should have it back or an answer XXXX days after incident. I began reaching out every few days to check on status and the bank wasnt responding to the emails and no updates when I would call. 

Reached out to the Relay without responses XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 We have information like ACH account numbers and routing number as well as email for XXXX XXXX. 
Happy to provide any information needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My business and personal account was close for no reason.

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 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Nelnet is charging a higher interest rate than my actual interest rate. They refuse to explain why or correct it. I have called and emailed a few times and turned them into you last year but nothing has happened. 

Second time I am reporting Nelnet to you for the same issue. Last time you closed out the complaint with the hope Nelnet would resolve the issue but they did not. 

They still haven't resolved the problem of charging me higher interest then my fixed rate federal student loans were taken out at. For instance, several loans were at 6.5 % when originated. This is reflected in the first section of the attachment copied from Nelnet. However, go to the second section reflecting the same loans groups that should be 6.5 % are being charged 6.8 % interest. Nelnet refuses to correct this. I have given them a year to explain/correct this. Also, it seems wrong that my payment is {$440.00} but only {$28.00} goes towards principle. I haven't done the math but that doesn't seem right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to follow up on the recent correspondence sent regarding the discharge of debt for my estate. The negotiable instruments sent via registered mail have been presented and tendered as a valid remittance, and it is imperative that the Indenture Trustee acknowledges and accepts these instruments in accordance with the duties and responsibilities outlined in the publicly filed SEC documents. 

The evidence I provided supports the legitimacy of the notes as valid negotiable instruments tendered to NAVIENT PRIVATE LOAN TRUST in good faith. Additionally, ownership of the notes has been established, and I, as the authorized noteholder, possess the authority to receive payments of principal and interest. 

I received an electronic response alluding to concepts such as " Redemption, '' " Strawman, '' or " Accepted for Value, '' accompanied by accusations of frivolous claims and potential fraud. I wish to clarify that my original correspondence was not associated with those notions. Instead, I am adhering to the instructions provided through public filings outlining the duties of the Indenture Trustee, with me being the noteholder. There is no fraudulent intent in my request ; rather, I am asserting my rights and equity in these assets of value as a bona fide purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
i had an auto loan usaa for a XXXX  XXXXXXXX XXXX XXXX XXXX vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but usaa had already put the account in collections and refused to changed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief