vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, XXXX, and equifax ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX Equifax is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and equifax are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and equifax is reporting activity after this account was Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( experian, XXXX, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report.

This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX XXXX is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting?

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.

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 2022-04-16 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: FL

Complaint narrative:
Requested description of the procedures of re-investigation for alleged 4 credit card accounts and Bankruptcy currently showing on my consumer report also, requested TransUnion MAIL my Full File, sources, and report recipients Federal Law states 15days to complete re-investigation and TransUnion received certified request on XX/XX/2022 2022

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Someone has used my information to get a credit card and i need it shut down asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: AR

Complaint narrative:
This is an updated complaint. On XX/XX/2022 I notified TransUnion was notified by me XXXX XXXX and the CFPB of the violations that they are clearly guilty of. I will upload all exhibits. On that day the company was notified by the CFPB and also on Monday XX/XX/2022 at XXXX am my violation letter and invoice was signed for by XXXX. I have not received a response from transunion. I have also asked for description and procedure of the reinvestigation of the XXXX account that they stated was verified but they never provided me with the information. I asked for this two different times and I have disputed these accounts for three years now and this company is reporting false and misleading information and also incorrect information. They are in violation of the FCRA and they haven't responded to my complaint and they have not paid the invoice.

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 2022-04-16 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: PA

Complaint narrative:
Experian credit bureau has incorrect information on my credit report such as a 80 % credit usage when the correct credit usage should be 25 % per XXXX credit bureau. Also, Experian has my current debt incorrectly as {$53000.00} when my current is actually {$51000.00}.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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

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 2022-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Good Evening,, I had XXXX XXXX first but then they raise the price for insurance, so I went with another company. and I told them I wan na cancel it and they never did, before I cancel XXXX XXXX I got a new one, After 6 month they send me a bill that I own them money for insurance and I told I will not pay because I have all ready new insurance and I send them proof that I had all ready new insurance, so they put me on collection, and then I contacted to my agent and he resolved the problem, but it was not removed from my credit history

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
So XX/XX/2019 i had {$2000.00} bank wire deposit to my account and the bank spent XXXX of that money on fees like returned itiem fee and paid 2 debit card pos then they refused to let me take the money out and said they were sending the money back. So a month ago I dispute the account being locked and asked for the money that has been sitting there for almost 3 years and they said no its going back. So if the XXXX was no good why did they spend part of the money and why was it sitting for three years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am trying to pay off my second mortgage. Though my payments were construed as a 30 year mortgage, I actually signed a 15 year mortgage for {$33000.00} at 13.5 %. After 15 years of paying XXXX my payments were refused by PHH Mortgage servicing and I was offered a loan modification agreement. I agreed to the loan modification and made the payments. In the last 6 months I have sent the company over {$30000.00} in attempt to pay it off. Held in a suspense account is {$28000.00} since XX/XX/2022. In XXXX I received documentation that stated pay off amount XXXX. On XX/XX/2022 held in suspense was {$28000.00}. I wired the remaining balance of {$1900.00} on XX/XX/XXXX in excess of the difference of {$1900.00}. On XX/XX/XXXX PHH reversed the amount back to my bank account and stated they will only take certified bank checks, though the payoff statement indicated wire was preferred. I mailed {$2000.00} which takes more than a week PHH recieved on XX/XX/XXXX and which was applied in a divided 6 payments rather than to the suspense account amount for pay off. They continue to charge interest though they will not apply {$28000.00}. This is predatory by definition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
New additional information. 
I sent a debt validation letter to Navy Federal Credit Union XX/XX/2022 in reference to an alleged debt in the amount of {$10000.00}. I have not received a response from Navy Federal Credit Union pertaining to my debt validation letter. This is a violation of my consumer rights per FCRA, FCDPA. As a consumer I have a right to request and alleged validation of debt. As off today which is past the allowable time to respond. I will be seeking remedy for all violations. Navy Federal is reporting charge off every month on a closed account which is also a violation reporting on my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Dear Marnier Finance, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX  XXXX ( XXXX ), XXXX XXXX ( 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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear Navy Federal, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/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 2022-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
I have student federal student loans which were initially going through XXXX XXXX back in XXXX. Those loans were then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX payment and as told that I would be eligible for loan forgiveness after 25 years. I then went back to school in the fall of XXXX and did not take any more loans during that time. I called XXXX in XXXX to find out all of the details and best options for paying my student loans while I was going to school and was encouraged to put my loans into forbearance. After finishing my schooling in XXXX of XXXX, I started making payments again. At that time I was told that because my loans were put into forbearance, my timeline of loan forgiveness would start over. I was unaware of this or I would never have put my loans into forbearance. I feel that I was misled in what my best options were and feel that those years that I was in forbearance should be counted toward my years leading up to loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear XXXX Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
They didn't provide me with my signature.

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 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was a victim of a crypto scam, a friend of mine was hacked. They sent me a website link to an investment company, I clicked the link, and little did I know that the link that was sent to me allowed the sender access to your account and any personal information which is how my friend was scammed. I woke up to a total of {$2000.00} gone from my accounts and transferred via bitcoin through cash app, I realized i'd been hacked and scammed. I reached out to cash app to dispute the transactions, and they blamed me for my losses and refused to investigate. So I disputed the fraudulent transactions with my bank. My bank investigated and provided a provisional credit of {$1700.00}. Because {$300.00} was already inside of my Cash app account from peer-to-peer transactions. I never received that {$300.00} back. A few weeks after this Cash app charged me {$500.00} without warning, notice or explanation. I reached out to cash app support to find out why and they refused to tell me anything besides " Because you disputed {$500.00} worth of transactions with your bank the Add Cash transactions were reversed and the funds were removed from your ( cash app ) account. You need to reach out to your bank for further details about this case. '' Cash App is now charging me, through my cash app account for the funds that my bank rightfully returned to me for fraudulent transactions. And it is very possible that they will attempt to recoup all of the provisional credits my bank provided to me. Cash App refuses to provide details as to why they charged me for the provisional credit my bank provided to me nor provide further assistance with recouping the funds that were fraudulently stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone used my social security number to open 2 accounts at TD bank. I did not open these accounts.

Company response to consumer: Closed with non-monetary relief