vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. The disputed accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX BANK XXXX XXXX XXXX {$12000.00} XXXX : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX UPGRADE XXXX XXXX : {$0.00} Status : Closed Account # : XXXX UPGRADE XXXX XXXX : {$0.00} XXXX XXXX OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how XXXX of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. The disputed accounts are as follows : XXXX XXXX XXXX XXXX : {$25000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX BANK XXXX XXXX XXXX {$12000.00} XXXX : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX XXXX XXXX : {$0.00} Status : Closed Account # : XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how XXXX of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've consistently maintained punctual payments on this account, preventing any instances of overdue status. The rationale behind the reported late payment remarks on my accounts eludes me. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently ensure that my payments are made on time. I am completely certain about this. What concerns me is why this company is marking me as late in specific months, which shouldn't be the case. According to USC 1666b, any billing errors must be corrected, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was scammed by an online scammer on XXXX marketplace trying to purchase a car and paid {$3600.00} via from my chime-XXXX XXXX  Once I realized I was scammed I filed a dispute through chime and cash app. XXXX XXXX immediately denied my claim without investigation and only sent a request request to the scammer and chime originally filed my first dispute incorrectly titled as a unauthorized transaction then denied it but I informed them that I did authorize the transaction it was a online scam and I never received the goods and or services I paid for. They still denied my request XXXX more times with no reasoning, despite all the required documentation being submitted- especially a police report! If I did not have a legit claim I would not have went to the POLICE and filed a report. I can not get ahold of any supervisors or reliable staff with any accurate information or my money back. My funds are supposed to be protected from scams like this especially if I do my part to 100 % prove that I was scammed. They arent investigating properly or sending my funds back with no reason. Both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I have been diligently paying off my private student loans for several years, despite attending a school that has been embroiled in misconduct. The interest rates on these loans are exorbitantly high, ranging from the mid to high teens. It's disheartening to witness others receive forgiveness for similar loans due to default, while I, who have remained current on my payments, continue to struggle financially and suffer negative impacts on my credit. 

Attempting to refinance these loans into more favorable terms has proven to be a daunting task. Navient, my current loan servicer, shows reluctance to negotiate lower interest rates. Moreover, my association with a school involved in misconduct severely limits my options for refinancing with other lenders. Repeated denials for refinancing stem from the longstanding nature of my private loans and the minimal reduction in the principal amount owed. 

These loans are a product of a deceitful institution that has defrauded its students. Therefore, I firmly believe that such loans should be deemed null and void due to the school 's fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I paid my US Bank credit card in full {$5400.00} and they reduced my credit limit down to {$500.00} from {$5600.00} and the main reason they said my credit score was in the XXXX which is a complete and utter lie. The reduction in my credit limit lowered my credit score drastically all for nothing. I paid my account in full. Please never use US Bank for any credit card!!!

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I believe FCRA XXXX tells us to take out wrong accounts from my credit report. Can you check the papers? Some listed accounts have wrong info about reporting, amount, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-19 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: CA

Complaint narrative:
Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The XXXX Bankruptcy XXXX, XXXX XXXX XXXX California does not report information to any credit reporting agency

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 2024-04-19 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: CA

Complaint narrative:
Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The XXXX  Bankruptcy Court, XXXX XXXX of California does not report information to any credit reporting agency

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 2024-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAB, INC.
State: TX

Complaint narrative:
Rab calls themselves a 3rd party pre-litigation firm here in Texas. They contacted me about a debt that was 1 month old and didnt even get informed that it was going to be in collections until the day after RAB contacted me. Since then they have shown me and my family and whoever elses emails were on my illegally obtained credit report my bank information my addresses credit reports drivers licenses and so on including the original loan documents. All of which I never gave them permission to have and or gave bitty advance permission to share. RAB says by law they are allowed to have that information since its a commercial debt not doing their research and finding out my business is a sole proprietorship. Beyond that some of those emails I dont even know others belong to my family members who they sent all this information to breaking the privacy act disclosing everything about me to XXXX knows who. Intimidating tactics such as threatening UCC-1 liens and seizure of assets telling me how much is in my bank accounts and everyone else in my family as well. Who knows what will happen next considering I dont know who all has my information again cause I dont know have the email addresses on there others belong to my father ( same name ) mother brother sister wife and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NE

Complaint narrative:
filled a complaint about auto payment not working, they closed the complaint with no response. This is unacceptable and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, I noticed approximately over {$870.00} unauthorized charges on my online account tracking the purchases on this American Express gift card. My wife and I were married in XX/XX/XXXX and received this gift card as a wedding gift. 

Upon noticing the unauthorized charges, I called Amex Gift card customer support at XXXX. I went through with them the charges that I did not place. The card was always in my possession. 

They required I wait 45 days for this issue to be researched. I waited and got back in touch and said they were going to send me a replacement gift card. They emailed me with the last 5 digits or so of the gift card that was supposedly mailed to me. It never arrived. Then I called back asking re : the status of the gift card that was to be sent. The XXXX Customer Service, I guess an American Express contractor, stated they were going to send a check. I received a check for {$3.00}. I have not cashed as I am waiting my full credit to be returned to this out of pocket pre-paid gift that I received as a wedding gift. 

I can provide additional e-mail correspondence if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I don't have any information about these inquiries, and the company conducted them without my permission.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
After recently opening a small business checking and savings account, a customer 's check was inadvertently returned as 'fictitious, ' and the company quickly wrote another check to replace the 'fictitious ' check. 
Suncoast restricted the account so I can not see or access any information on my account. The company ( XXXX XXXX ) who wrote the checks have advised that the check cleared their bank, and even spoke with a banker saying the check has cleared. Suncoast is saying that they have information indicating that the new check will also be returned as 'fictitious, ' and will therefore not release restrictions to access my account. 
Suncoast has said they will eventually write a letter regarding their investigation, but can not give me a timeline when that will be. 
I can not access funds, make deposits, or even see any account information online at all. This has crippled our company, making it unable to do business for the last several weeks because Suncoast back office says the expect the new check to be returned. 
I want to close the account and open another account at another back so we can make deposits, and conduct business, but they said I can't even close the account. I told them they can mail the check with whatever funds are in the account after they do their investigation, but I want it closed. They said I can't even do that while they take their time doing their investigation. 

None of the checks were fictitious. XXXX XXXX has verified the funds cleared on the XXXX of XX/XX/2024, and I think Suncoast is relying on bad information to justify freezing my account and not letting me conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the inaccurate information present on my consumer credit report, which has adversely affected my ability to access credit and has caused significant disruptions in various aspects of my life. This letter serves as a formal dispute of the inaccuracies, a request for compensation due to the hardships I have endured, and an opt-out of the current agreement under the arbitration clause. The inaccuracies on my credit report have led to the denial of credit, impeding my capacity to secure vital resources such as reliable transportation for employment and stable residence. As a result, my family has been forced to move from place to place, causing substantial stress and instability in our lives. The denial of credit has had profound impact on my financial stability, limiting my employment opportunities and hindering my ability to provide for my family. 

The most current was with XXXX XXXX XXXX XXXX store credit under XXXX XXXX XXXX of denial do to this reporting of credit. 
In addition to the dispute and compensation request, I am formally opting out of the current agreement under the arbitration clause. I prefer to pursue other terms per applicable law in renegotiating terms to best of my benefit seeking compensation.

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