vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I received a loan from speedy cash on XXXXXXXX and XXXXXXXX XXXX XXXX TN my line of credit was XXXX dollars give or take some. I was faithful in making payments until my medical alert dog got deadly sick. For which the cost was extremely expensive for someone like me because I live on social security. I am XXXX. I went to the company to notify them of my inability to pay I explained to them the situation regarding my medical alert dog and asked to negotiate but I was refused. Instead of stopping the pile of interest rates taxes and fees once they knew I couldn't pay they claimed that I agreed to acquire insane amounts of interest taxes and fees as well as the amount I owed them. When I informed speedy cash of inability to pay I only owed {$610.00} they then sold my information leaving me now owing {$1100.00}. I did not agree to in any way to allow unfair amounts of interest taxes and fees to build up as speedy cash claims. Medical alert dog 's are federally protected through the Ada and Dept of Justice I have federal obligation to maintain my XXXX XXXX animals safety, wellbeing, and health inCluding nutrition, exercise, protection, AND ALL MEDICAL NEEDS. I will be including a signed document from my XXXX assigning my dog to service. As well as a photo of said XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of identity theft please block and delete all transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX a letter asking them to send me all documentation in reference to this account on my credit and they only sent me typed contract no photo identification and I have a fraud alert on my credit. 

I was also never gave permission to open an account on my behalf. 

Violation # 1 According to consumer law section 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 According to consumer law section 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of this ACCOUNT to all consumer reporting agencies. 
- Remove reporting of such account from all consumer reporting agencies. 
- Provide a complete and updated consumer file for without the alleged debt as assembled by XXXX  - Provide acknowledgment of this official notification that I am opting out of your reporting. Do not report ANY information bearing my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AL

Complaint narrative:
I reported the XXXX  account for {$57.00} and a XXXX XXXX XXXX account for {$1500.00} on my Transunion account as a violation of code 15 USC 1681B Permissible Purpose. These accounts are fraudulent and violates this code. It has passed 30 days and this issue has not been answered. I have received a response from Transunion on another issue but not this one and XXXX and XXXX has already removed this account from their report. 

I attached a report from XXXX and I will be sending in this same report to the bureau.

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 2022-09-29 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: GA

Complaint narrative:
On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.

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 2022-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.

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 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft please block and delete all transactions

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 2022-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of identity theft please block and delete all transactions

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 2022-09-29 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-29 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: WA

Complaint narrative:
My complaint is primarily with TransUnion and my credit score ( s ). I bank with XXXX XXXX XXXX XXXX ( XXXX ) and with XXXX  XXXX XXXX. Both of these institutions use TransUnion as the basis to determine my credit score, and I am able to view it on their websites. Currently, XXXX shows a score of XXXX, and XXXX XXXX XXXX shows XXXX. My score dropped from the low XXXX to XXXX as reported by XXXX XXXX XXXX in XXXX of this year, and has remained in that basic range for 6 months now. When I click on my XXXX XXXX XXXX credit score link, I am given a score, and then words suggesting why my score is as such. Those words imply that I have had a lien or collection against me- which has never happened, and my credit report does not have any such info in it. I have submitted a screenshot of those words. I have ordered and received numerous credit reports from TransUnion, trying to understand what negative data might be in my report that would warrant such a drop. There is no such negative data in any of my reports. Since I have no bad credit data, I would like TransUnion to correct my credit score back to the XXXX normal range ( normal for me ), and if that is not possible, I would like a name and contact information for a responsible TransUnion person who can explain this situation to me and help me resolve it. 
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 2022-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two days ago, I got an email of checks in large sums being deposited into my account, I tried to log into my account but it kept telling me that my log in information was incorrect, as soon as I received the email I called XXXX and they told me to call again at XXXX when the claims department opened ( this was around XXXX ), I called and filed a claim, opened a new checking and savings number and went from there. I received an email this morning that they are trying to close my account even though I told them that I have never deposited a paper check into my account and havent had my physical card ( hence they are sending a new one ). As a person who has only had this problem one other time, WITH XXXX Im Tired, I Work two jobs and I am a XXXX XXXX XXXX, my money and my checks get deposited in that account THROUGH DIRECT DEPOSIT. Not only that the balance is XXXX dollars, they said it was withdrew out of the account which if it was at an atm CHECK THE CAMERAS? If It Was At A Store CHECK THE CAMERAS. Im a human being, I may not be a big business but I work hard for my money for someone to steal from me and the bank to not back me up and help, my account had {$0.00} in savings and {$0.00} in checking, I Got a direct deposit of {$230.00} from my job at XXXX on Tuesday which the bank put towards that negative balance and I get paid this Friday and Im losing out on two checks! Im need that money to help my mother and her medical bills. I dont care if they close the account anymore, its been made clear that they revolve around money and dont care about the customers that suffer from the lack of their protection. I pay all my loans and credit cards on time and have a good history so they shouldve took that into account, Ive paid back every negative balance that I, MYSELF, have caused but this is atrocious, I want my money back, And I need Them To Figure out what they are going to do for future customers. I need them to throughly investigate and when they realize it wasnt me that deposited {$4500.00} worth of checks nor was it me that took that money out, they need to reverse every last fee they gave me and give me back the money thats deposited as I look for a new franchise to bank with.

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 2022-09-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is an account on my report that wasnt me I currently still have the service and dont currently owe them anything there was someone and I cant take responsibility for it

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had accidentally submitted a payment to my CHASE VISA Credit card for {$15000.00} instead of {$1500.00} from my XXXX Checking Account XXXX alerted to me my mistake and that my account would be overdrawn, but I cancelled the payment, However CHASE had posted the payment anyway. I had alerted CHASE and XXXX of the issue and they both assured me that everything would be sorted out. 
XXXX had confirmed that the payment never left the bank. 
CHASE ended up charging us for the {$15000.00} adding to our balance, overdrawing our credit limit They have admitted that the mistake was on their part, but is telling us that it must go on a review board which will take 30 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Getting charge for overdraft fees when Im not doing overdraft. Also the overdraft fee is extremely high..

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 monetary relief
Consumer complaint received 2022-09-29 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: PA

Complaint narrative:
I have sent a letter to the XXXX XXXX and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: IN

Complaint narrative:
On XX/XX/22 I tried to purchase XXXX from Blockchain. My purchase was for {$1200.00}. I had used them before without any problems. I received an email from them saying they thought my purchase was fraud. Same bank I used before. Nothing different from previous purchases. So I wrote back including my picture and personal information asking them just to release my money back to my bank. They still have my money. I have contacted them 7 times and sent my picture and the information they requested twice. I get nothing but their standard reply to complaints. 27 days is a ridiculous amount of time to wait especially since I did nothing wrong in the first place. 
I was given 3 different ticket numbers. 
XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-09-29 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: PA

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 XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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 lo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a Federal Loan being serviced thru Navient.. I clicked on a link on my payment page offering a lower interest rate and a 5 year repayment.. I thought I was just getting a better rate on my loan -- Turns out my loan is now thru NaviRefi -- I had no clue this was a private loan company -- Now i lost all my federal benefits on my student loan. They basically made their site look like i was just getting a lower federal rate on my loan. They basically scam people into taking their private loans and hiding the details on very hard to see fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AES/PHEAA
State: NY

Complaint narrative:
MyFed Loan was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to FedLoan. I spoke to MyFed Loan several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the Fed Loan balance. 

I have also disputed this balance 3 times as wrote to FedLoan and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.

Company response to consumer: Closed with explanation