vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: Grain Technology, Inc.
State: TX

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following acct attached in document Please provide me with : 1. What the money you say I owe is for. 
2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
XXXX XXXX provided incomplete and improper information in their android application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their android application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
XXXX XXXX provided incomplete and improper information in their XXXX  application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their XXXX  application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
XXXX XXXX  provided incomplete and improper information in their XXXX application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their XXXX application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXXXXXX 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I was a victim of the Equifax data breach.My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has done nothing. please help me delete these illegal accounts from my credit reports. 

Account Names : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX {$920.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: AZ

Complaint narrative:
I am questioning ; MOMNT BANK, a financial institution that is in business with XXXX  contractors. On XXXX XXXX XXXX XXXX XXXX XXXXXXXX Momnt Bank XXXX 24 months same as cash. I agreed to this because I am on a fixed income. I was signed up, not knowing that Momnt Bank would release full loan amount in advance before any work was even started. The XXXX XXXX XXXX defaulted on our contract for my bath and shower remodel. They never started job or had any contact with me nor did they return any of my calls. Momnt Bank claims they have a federal investigation going on. In the meantime, they say they are giving me a provisional credit with no interest or reporting to credit Bureau. In which I was already receiving with the 0 % for 24 months ( expires XX/XX/. ) Moment expressed in writing that the provisional credit will either be made permanent ( will owe {$0.00} ) or revised ( Owe loan amount plus interest accumulated ) Momnts receptionist continues after months & months to tell me there is no new updates on investigation. I have requested several times to get in touch with either one of the two ladies XXXX or XXXX XXXX in the litigation department. Ive been numerously promised that those ladies would get a hold of me, Im lied to and no one ever does. I have requested from Momnt : documentation for payment that XXXX XXXX  actually received. No response! 
In the result of the unprofessional conduct with Momnt Bank not returning any of my calls or emails, the XXXX XXXX they do business with, and the many poor reviews of Momnt customers experiencing the same, shady, business tactics as myself ; I decided to make this claim..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: GA

Complaint narrative:
Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: Credit Card Acquisitions Group
State: NJ

Complaint narrative:
I placed a fraud alert on my account in XXXX  0f 2023 because I had been a victim of identity theft and needed to have my account monitored. In XXXX of 2023 there appeared an unrecognized debt from Foster and Monroe LLC in the amount of {$5800.00}. The original account is listed as XXXX XXXX XXXX XXXX. I filed a fraud claim with XXXX and I was advised by an XXXX representative to file a a report here. On XX/XX/2023 I printed my credit report and was made aware of a derogatory reporting on my credit. I began reaching out to Foster Monroe LLC ( with a listed number ( XXXX ). I have left daily messages and have not received any response from this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Credit Collection Services claims I owe an amount of {$1400.00} to XXXX XXXX XXXX. This balance appears to reflect coverage from after I switched to another insurance company, XXXX was provided with proof of insurance and as I recall, one or two reps verified receipt. I switched companies several months ago from XXXX XXXX to XXXX XXXX, proof of insurance was emailed to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: KY

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT. 


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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages.

FAILURE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESULT IN LITIGATION TAKEN AGAINST YOU.

Sincerely, 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 2024-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My government XXXX  card was never delivered to me. They said that I received it and activated it and booked a cruise and an XXXX purchase totaling {$3900.00}. I filed a police report, asked them to dispute the charges, asked them to research the charges and they completely stonewalled me. They said they had proof that it was me that activated the card and sent me a print out of the transactions as proof. I was in the hospital XXXX XXXX during the time the card was supposed to be delivered to me. The charges were made on the stolen card XX/XX/23. I submitted a claim on XX/XX/23 when I realized that the card should have been delivered and it wasnt. I found out about the charges when I called to inquire about where the card was. It has now been months and they require me to fax all the information to them and when I do, all I get is a denied claim response. This is very wrong and stealing from a new mother.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a FTC report to Experian on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. Experian has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, Experian never notified me by email or US mail between XXXXXXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. Experian failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
XXXX XXXX of Flagstar Bank NA refused to open a small business law firm checking account for me as he says due to my past bankruptcy filing from last year. He did not even call me after many days, I had to both email and call him several times to obtain an answer. This is both illegal and unethical, as he said " we are allowed to choose who we do business with. '' But this is both biased and discriminatory. Please investigate and advise.

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I applied for XXXX XXXX XXXX loan forgiveness per the XXXX XXXX XXXXXXXX settlement and am a full class member. I received a letter in XX/XX/2023 confirming that my loans will be discharged. As a full class member, I am expecting a refund for payments made to my loan servicers. However, my letter lacked mention of an amount to expect. I received a partial refund, but am unable to confirm if anymore is owed to me or how much. 

After the settlement deadline in 2023, EdFinancial, one of my loan servicers, had a prompt on their website about migrating to a new user portal and that users would need to create a new account on the new portal. Prior to this, I could log in and see my payment and loan history. However, after EdFinancial migrated systems, I was never notified to create a new account ( which their notice mentioned would happen ) and I have been unable to create a new account. I have emailed, chatted, and called support regarding this multiple times. My concerns are usually ignored and I have only been confirmed that my loans have been discharged. When I ask about viewing my account activity or history or ask about my refund, I have either been told to reach out to the Department of Educaton ( who has told me to reach out to EdFinancial ), I get the run around, or those concerns are completely ignored. 

Earlier this week, I called customer support again to ask about accessing this information. However, I was told I have no account with EdFinancial, suggesting I have no records to view. I asked the support person to email me what we discussed over the phone so that I could document our conversation and confirmation that I have no account, but was denied. The support person said they can not do that since I don't have an account. All I have are a couple of emails with support regarding my concerns to document my attempts to reach out for help. I don't have phone calls recorded or chat transcripts. 

My concern is with my ability to hold the Department of Education and/or the US Treasury and EdFincancial accountable to the refund I am owed per the XXXX XXXX XXXX settlement . Since I don't have access to this information, I don't know what or how much I am owed.

Company response to consumer: Closed with explanation