vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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:
To Whom It XXXX Concern at XXXX, Equifax and XXXX, I am writing to express my deep concern over XXXX, Equifax, XXXX furthermore known as " the XXXX bureaus '' failure to investigate my mailed-in disputes, resulting in a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have received a response letter from " the XXXX bureaus '' indicating that my mailed-in dispute request " does not appear to have been sent directly by [ me ] or to be authorized by [ me ], '' which is not only inaccurate but also constitutes a failure to investigate my disputes as required by the FCRA. 
Let me be clear : I have never used a credit repair company or any XXXX party to submit disputes on my behalf. I am the sole author and sender of each dispute I submit to " the XXXX bureaus '', and I have provided notarized documentation along with identification to prove my identity. There should be no ambiguity regarding the legitimacy of my mailed-in disputes. 
According to FCRA 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their credit report, the XXXX XXXX XXXX must conduct a free reinvestigation to determine whether the disputed information is inaccurate. " The XXXX bureaus '' refusal to investigate my mailed-in disputes on the grounds that they " do not appear to have been sent directly by [ me ] '' is a clear violation of this provision. 
" The XXXX bureaus '' ongoing practice of sending letters that delay the investigation process by questioning the authenticity of my disputes is unacceptable and constitutes a significant breach of my rights under the FCRA. By failing to conduct a timely and thorough investigation into my disputes, " the XXXX bureaus '' is causing unnecessary delays, which impacts my creditworthiness and financial well-being. 
I demand that " the XXXX bureaus '' promptly address this issue by : XXXX. Opening and investigating every mailed-in dispute that I submit upon receipt. 
XXXX. Stopping the practice of sending letters that question the legitimacy of my disputes without valid grounds. 
XXXX. Complying with FCRA regulations that mandate the investigation of disputes submitted by consumers. 
If " the XXXX bureaus '' fails to comply with these demands and continues to violate my rights under the FCRA, I will take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies to enforce my rights. 
Thank you for your immediate attention to this matter. I expect a response confirming that " the XXXX bureaus '' has corrected its practices and will properly investigate my mailed-in disputes in accordance with FCRA requirements. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights

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 2024-08-10 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: FL

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.

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 a 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.

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.

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 2024-08-10 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: AL

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.

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 a 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 XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: AZ

Complaint narrative:
I have been trying to have a late payment reflecting on my credit report corrected for months, I was in deferment from XX/XX/XXXX and the past due payment was reported XX/XX/XXXX, I was advised the credit bureaus would be sent the information as well and any incorrect information will be updated. This is what has happened in the past, I have never ran into such a difficult situation having information reported incorrectly and going in circles with trying to have it corrected. XXXX provided me with a copy of my deferment document to send to experian and I did but nothing was corrected. There are other loans that were accurately reported but this specific one has not yet been corrected.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is refusing to credit my account {$XXXX}. The following is what I have done to resolve this problem. However Chase refuses to give me my money. 
My Chase statement of XXXX XX/XX/year> showed a credit of {$XXXX}. Chase did not subtract the {$XXXX} from my balance. 
XXXX XX/XX/year>, I wrote a letter to Chase notifying them they failed to credit my balance {$XXXX}. 
Chase sent me a letter dated XXXX XX/XX/year> stating they credited my account for the full disputed dollar amount. 
I receive my statement dated XXXX XX/XX/year> & the {$XXXX} has not been credited to the balance. 
XXXX XX/XX/year>, I wrote a second letter to Chase notifying them they failed to credit my balance {$XXXX}. 
Chase sent me a second letter dated XXXX XX/XX/year> stating they are researching the dispute. 
Chase sent me a third letter dated XXXX XX/XX/year> stating the merchant 's name on the credit is different from the merchant name in my dispute. I have no idea what Chase is looking at because the name of the dispute is identical on my correspondence as well as Chase 's correspondence. 
I receive my statement dated XXXX XX/XX/year> & the {$XXXX} has not been credited to the balance. 
XXXX XX/XX/year>, I wrote a third letter to Chase notifying them again they failed to credit my balance {$XXXX}. 
Chase sent me a second letter dated XXXX XX/XX/year> stating they are researching the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CO

Complaint narrative:
In accordance with the fair credit reporting act ( EXTRA ) ( Account # XXXX ), Has violated my rights. 15 U.S.C 1681 section 602 section A states I have right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX keep saying I authorize and responsible for the charges even tho I didnt authorize anything and Ive been fighting these charges for over XXXX year and now my balance is like XXXX even tho I didnt authorize it! And they refuse to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Today my account with SoFi online bank was frozen without proper reason. I called the agent and explained that my account had been frozen and was told that it was due to receiving a supposed payment that caused a security risk. The payment in question is from my the agency that I work XXXX XXXX who pays me monthly for graphic design work. Ive gotten at least the last XXXX payments from them to my XXXX account without any problem so I dont understand why they would block all the funds that have for a deposit from someone who pays me? This is all the cash on hands that I have and after speaking to the agent there seemed to be no urgency on their part! I find this ridiculous. They promote getting direct deposits with your business in the app in order to gain rewards, yet after I get my employer to make direct deposits now all of a sudden there is a problem? This is false advertisement and its unfair to penalize the client ( myself ) when Ive only tried to have a healthy account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: Self Financial Inc.
State: SC

Complaint narrative:
I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There's a collection on my credit report that should be removed because this is false and incorrect information as the collections company, XXXX XXXX, Account # XXXX and Equifax hasn't provided me the required information I requested according to the Fair Credit Reporting Act and the FDCPA to provide proof of validation, purchase agreement in accordance with ( FCRA ), 15 U.S.C. 1681, FCRA section 605B along with 15 U.S.C. 1692c. This issue has been settled with the original creditor and not the debt collection company which is illegally sharing inaccurate information and unable to validate the debt because it's been removed with the original creditor XXXX that guaranteed over the phone that once paid, it would be removed and the debt collection can no longer furnish the information because it legally doesn't belong to them which Equifax or the CFPB can call and verify. 

It's been 5 months now, that I have demand this information from both XXXX XXXX XXXX and Credit Bureau 's and haven't received in mail no such validation to prove they own this debit and can collect. This is blatantly incorrect and illegal and I demand this information to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I requested school misconduct form from navient XXXX months ago via email and have received a response that the email was received, but never received the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX sent me this so I'm trying to understand why is this still reporting on my file. 
We are writing in response to the above-referenced complaint. XXXX works for creditors as a third-party agent and legally relies upon the information provided. We do not own the account in question and never purchase debt. On XX/XX/XXXX, XXXX placed an account with us for collection or we would not have contacted the consumer. If the account was disputed or fraud was alleged prior to placement with XXXX, we were not advised. Prior to our receipt of this complaint, XXXX had already ceased collection efforts. XXXX received a XXXX XXXX XXXX complaint disputing the account. XXXX promptly ceased collection efforts and noted the account as disputed. XXXX obtained and mailed validation of debt, provided by the creditor, on XX/XX/XXXX. The documents were mailed to the address matching what is on this complaint. Despite sending validation, XXXX did not resume collection efforts. Any credit reporting provided by XXXX was deleted at that time. XXXX has closed the account in it system as disputed and it will be returned to the creditor. XXXX next received this complaint which suggests the possibility of fraud. If XXXX XXXX believes they may have been the victim of identity theft, we would advise them to complete the following process. Every creditor has its own required fraud process to permanently close accounts. XXXX requires a XXXX XXXX to be completed and returned to them directly by the consumer. Please ask XXXX XXXX to call the XXXX XXXX Department at : XXXX or visit : https : //www.xfinity.com/idtheftclaimform. Please let us know if we can be of further assistance. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed. By committing this act, you are also in violation of 18 U.S.C 1028A is a section of the United States Code that addresses aggravated identity theft because you have possession of my information and are using without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Sloan Servicing bought/took over my student loan. 
Ive made payment on autopay for iver 4 years, but I noticed that my original amount borrowed was less than my current amount owed. 

I called to find out why my payments are NOT reducing my balance. 

I wanted to work with someone to calculate how I could make sure that my loan gets paid off instead of never paying is down. 

The representative had ( presumably ) zero knowledge in financing and mathematical analysis. 

She said things like : its probably because, hmm, maybe its becauseyou can make an extra payment ; you can change the of your autopay. Etc. 

I asked to talk to or schedule with an expert to run numbers and scenarios. She said there is no one that does this. Its only the phone workers. It seems they only relay information from your account, which I can find myself online. 

I dont understand how I got on a payment plan that isnt lowering my balance. I received no guidance for creating a better plan. 
( I have the means to either make a lump payment and keep the currently monthly, increase the monthly, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> TransUnion

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, there was a fraudulent charge that happened in XXXX, XXXX for {$630.00}. I have then reported this charge as fraud. On XX/XX/year>, Barclays did an investigation and concluded that I was responsible for the charge. The cartel in XXXX took my card and said it wasn't working. Even though the charge went through. This wasn't a charge that I was approved of. They took my card without permission and approved the charge. This same vendor known as " XXXX '' also did a fraudulent charge on XXXX card XXXX The only difference is that XXXX gave me my credit back because they recognized it. The same vendor tried to charge me {$8000.00} on my XXXX card. Barclays has acknowledge this was an unrecognizable charge because I never used my credit card on the trip until that transaction. This is a charge that I never approved of. There wasn't any signature to validate this charge. I also couldn't reach out to the vendor because they are the cartel. Please help me resolve this issue, this is clearly a fraudulent charge that I never approved of.

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