vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 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: IL

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-07-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
we have a small business account with td bank, Noticed a fraudulent checks been cashed not issued by us on XX/XX/23 for the dollar amount {$980.00}. They cashed a total of XXXX checks at XXXX different locations in XXXXXXXX XXXX, XXXX and XXXX XXXX. All checks were written and deposit by XXXX XXXX XXXX each checks for {$980.00}. I reported to my located bank and still having any resolution from the bank. I want to report to the federal goverment. 

please help us capture and stop the criminals behind these scams. 

thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. 
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX  I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXXXXXX XXXX and do not have a contract with XXXX XXXX XXXX. They are violating 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Section 616 & 617 611 ( 5 ) ( A ) of the FCR 15 U.S.C 1681 section 602 15 U.S.C 1681 Section 604 A Section 2 They did not provide me with the original application like I asked.

Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I'm currently in the process of trying to purchase a home, but I'm facing some frustrating obstacles due to a system error on the part of Equifax, the credit company. It seems that Equifax is not sharing my credit score or report with my lender, which is essential for securing a mortgage. I attempted to access my credit score and report through the Equifax website, only to be greeted with a frustrating " BLNK '' error message and a suggestion to contact Equifax for assistance. 

After reaching out to Equifax, I was connected with an offshore representative who tried to sell me their monthly protection services. I explained that my primary concern was not being able to provide my lender with my credit score or report, and I found it perplexing that I would have to pay for this information. The representative consulted someone else and returned to inform me that the problem lies with my credit file needing to be " refreshed. '' They requested that I send in a copy of my Social Security card, driver 's license, and a letter requesting Equifax to refresh my credit file so that my lender can access my score and file. 

I can't help but question why I am being burdened with these additional steps and expenses because of Equifax 's system error. It's disheartening that my ability to become a homeowner is being directly impacted by this issue caused by Equifax. It's also frustrating that I have to spend my own money and time to draft a letter in the hopes that it will rectify Equifax 's system error. I have had no problems with XXXX or XXXX, so it's particularly disappointing that Equifax is the one hindering my dream of buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Colorado XXXX University Account XXXX 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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX Transuion XXXX XXXX via XXXX mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of XXXX also proof of FTC XXXX XXXX stating proving my claims XXXX Transuion XXXX XXXX failed to protect my consumer rights accordingly to section XXXX of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH XXXX XXXX attaching Proof of address proof of ssn Proof of police report

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 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, Ohio, from Ally Auto Lender. The price of the car is {$22000.00}, with an APR of 11.99 %, with a term of 72 months. Last year, I went back to the dealership and was denied credit to trade the car in for a new one, unless I had a co-signer. Under the Equal Credit Opportunity Act several rights were violated, i.e., the dealership didn't explain the process for fixing my credit mistakes, did not give me the name or telephone number of the credit company, and nor did they tell me about my right to get a free copy of my credit report to name a few. There was also some credit discrimination. I was encouraged and told to apply for a type of loan with higher interest rate with less favorable terms.Under the Consumer Credit Transaction if I am doing a transaction, I should've been given a Sum of all charges, which I was not, nor was information disclosed to me.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX date opened XX/XX/XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

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 2023-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I had requested a refund on payments made from XXXX to XXXX while the payments were on pause. They stated that it would process through within a few months. I had called multiple times from XXXX to XXXX inquiring about the location of a $ XXXX check that they said would be sent through mail via IRS XXXX No check was ever received. I called throughout. The beginning of XXXX ( XXXX through XXXX ) for information of the check location and they stated it was mailed out. I informed them I did not receive it and they said okay we can cancel the first check and send a new one, it will just take a little longer. I agreed and called a few more times inquiring about the status of the refund and they stated it was still processing. I call again XX/XX/XXXX and am finally informed that the check was mailed and cashed out XX/XX/XXXX and they would not be re-sending a new check. That I would need to file a police report for fraud. Why in all the months I've contacted and emailed nelnet was I not informed sooner of this issue? $ XXXX is a lot of money during this economy and it's infuriating that that amount can be unaccounted for for such a long period of time and I was not informed much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: NV

Complaint narrative:
I am writing to express my deep concern and dissatisfaction regarding the recent handling of an unauthorized transaction on my Chime account. On XX/XX/, a transaction in the amount of {$1700.00} appeared on my account, which I promptly reported to your customer service representative during a phone call on the same day. 

During the conversation, your representative informed me that I needed to wait for the transaction to post or clear before initiating a dispute. Despite my insistence on immediate action, I complied with the instructions provided. Additionally, I was informed that an email would be sent to me, allowing me to submit a police report as supporting evidence. However, to this day, I have not received such an email. 

To my dismay, the transaction eventually posted, and the dispute process commenced. Astonishingly, within a mere three days from the transaction date, Chime reached a conclusion that the charge was not fraudulent. I must firmly assert that this determination is entirely erroneous, as I did not authorize nor recognize this transaction. 

I am committed to seeing this matter resolved properly and justly. I understand that resolving such issues can be time-consuming, and I am willing to actively participate and cooperate in any way necessary to bring about a fair resolution. However, I must emphasize that I will not cease my efforts until this matter is resolved in the appropriate manner. 

Please be aware that I fully intend to file complaints with all relevant United States government agencies, engage both local and federal law enforcement agencies, and raise public awareness through various media platforms. As a young social media influencer, I understand the immense power of social media to bring attention to such matters. Furthermore, I have already sought the assistance of a competent lawyer who is prepared to pursue legal action against Chime Bank, as I firmly believe that your institution has a fundamental obligation to safeguard consumers from fraud and illegitimate transactions. 

It is my sincere hope that we can resolve this matter swiftly and amicably. I kindly request that you initiate a thorough reevaluation of the disputed transaction and reconsider your previous decision. I implore you to conduct a meticulous investigation, taking into account all available evidence, including my steadfast denial of authorization for the transaction. 

I look forward to a prompt and satisfactory resolution to this issue. Should you require any additional information or documentation from my end, please do not hesitate to contact me via the provided email address or phone number. 

Thank you for your attention to this serious matter. I trust that, as a reputable financial institution, Chime Bank will handle this situation with the utmost professionalism and rectify the issue accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
This loan exist as Adjustable Rate Mortgage with XXXX XXXX XXXX XXXX since XXXX. Interest rate is calculated using a published index The XXXX XXXX Offered XXXX ( XXXX ). XXXX is being discontinued after XX/XX/XXXX XXXX, A replacement index based on the SOFR secured overnight XXXX XXXX will be used after XX/XX/XXXX. 

Who is responsible and how they will implement the transition? 
According the Regulations Implementing the Adjustable Interest rate ( XXXX ) act a rule by the Federal Reserve XXXX on XXXX transition should happened. 

According the note the interest rate change every XXXX mounts. XX/XX/XXXX rates ends. 
Interest rate is schedule to change again with payment on XX/XX/XXXX to XXXX this 6 months period mast transition to a replacement index based on the XXXX. 
Multiple calls to loan servicer regarding that issue was interpreted that I do not understand and I am misinformed and there is no transition. Loan is going to continue with interest rate calculated using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I signed up for a Target store card in XXXX of 2023 offering a {$40.00} instant credit on my card. The credit was never received. I have made XXXX phone calls each time I was assured that I would receive a coupon in the mail. Today XX/XX/XXXX I called to ask about the coupon, after a lengthy conversation and asking to speak to a supervisor the agent hung up on me. I called back a spoke with another agent who after asking to speak with a supervisor also hung up on me. I also asked the agent to close my account because I no longer want to do business with a company that does not honor their advertised offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank XXXX department was paid and has yet to give me a letter with there Bank logo on it. 

They send me some type of letter with nothing on it as proof. 

Have gotten nothing but the run around with US Bank in regards to this situation.

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 2023-07-08 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: 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 response to consumer: Closed with non-monetary relief