vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
received letter about collection of debt on XXXX when company sent last contact by me with local court it was dated XXXX have no notification by either Midland Funding llc or XXXX XXXX XXXX their law form, in between time so interest has risen debt from XXXX to XXXX, at XXXX currently had I received notification previously the debt would not have grown so much while I managed to start paying it off. Am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have paid off house so there is a little money available along with tax refund. do not believe that their failure to notify me for more than a decade is good business pracrice and they waited just to accumulate interest. do not drive out of town or at night so not available to travel. don ; t know how long I have much longer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. believe this is scam of seniors. feel that time frame makes it void.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2024-05-05 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: Experian Information Solutions Inc.
State: GA

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 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 2024-05-05 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: HW Holding, Inc
State: AZ

Complaint narrative:
Hunterwarfield a homeownders association made a credit report of $ XXXX in charges to my account, the individual being my husband in law which my sister is now divorced from caused the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Unknown sources ; credit was ran without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
Unknown sources ; credit ran without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CO

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 explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. on XX/XX/year>, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXX XXXX  XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX ) , proves without a doubt that we have absolutely and massively been scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient should all be canceled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXXXXXX XXXX XXXXXXXX case .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Payfare International Inc.
State: MI

Complaint narrative:
About 2 weeks ago around XX/XX/XXXXXXXX XXXX XXXX my dasher direct payfaire account got suspended. Iv been trying to contact them when I call them over the phone they tell me I may only be helped online when I try to tell them it's not working they just say you need to reply to email say byeed then hangup no help whatsoever. I have my hard earned money over {$300.00} that I can't access when I try to fill out their DasherDirect Special Investigation Form it doesn't go through I tried on 3 different web browsers XXXX XXXX XXXX XXXX XXXX on 3 different devices phone laptop and pc everytime I submit form the page just reloads it doesn't go through I disable my firewalls and do everything it doesn't work so I'm not getting any help then they had me reply to the email with the questions from that firm which I did sent them my licenses photo all the info thru needed even myself holding my own I. D. For proof of verification and there are still no results they keep resending me a form to fill out that won't go through never using dasher direct again this isn't a real bank such terrible service I won't even get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CITIBANK, N.A.
State: MS

Complaint narrative:
Unknown sources ; credit ran 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 explanation
Consumer complaint received 2024-05-05 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: NJ

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 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2024-05-05 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: Experian Information Solutions Inc.
State: NJ

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 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 2024-05-05 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: SC

Complaint narrative:
I had a Chime banking account for years, but stopped using it and recently decided to make the account a savings/bill pay/big purchases account since its one I dont use.

I made a {$330.00} purchase ( one of many ) to XXXX on XX/XX/year> and my package was said to be delivered on XX/XX/year>, but I never got it. Many attempts to work with the merchant were made with no luck at getting another order sent or being refunded for the order made. 

I, then, opened a dispute for the charge through Chime on XX/XX/year> and their reasoning for denying the payment was because after the investigation they conducted, it was proven that the charge was valid. I never reported that it wasnt. I said I did not receive what I paid for! 

I called the morning of XX/XX/year> almost immediately after I got the denial letter via email to figure out why and what I could do to help my case. I was told to send them any communications with the merchant about the purchase. Which I already did and it shows me offering options beyond just getting a refund. 

It is now XX/XX/year> and I have reached out to Chime via phone, chat and social media multiple times. Their official XXXX told me to contact them and someone who is equipped to help me would and when I called I XXXX. Got hung up on XXXX. Called back to be transferred to another supervisor and got hung up on while on hold ( representative was XXXX ) XXXX. Generic pre written responses and everything comes back to this is what our system says. I cant get a straight answer or any real help with them and this is XXXX XXXX DOLLARS! 

Also, after commenting on their XXXX page it got the attention of a couple people who expressed they have had the same issue with them which lead me to search chime dispute across other apps I use and I found that there are MANY more people whove experienced this with this institution. I will attach all the proof I came up with. My conversations with Chime via XXXX, my phone calls made to them after said conversation via XXXX, the emails I have between the merchant and a few other people making claims that they experienced the same thing which Chime only responded with the same pre written responses about how the issue is so important to them, explain what happened then they instruct everyone to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Incomm Holdings Inc.
State: TN

Complaint narrative:
I attempted to use this gift card but it kept denying. I called customer service for a refund and its been 2 weeks and I haven't received my payout

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Lingering accounts with contradictory, nonsensical, and inaccurate information is displayed on my credit reports. Little has changed with XXXX and Transunion despite submitting several disputes and also hiring credit repair experts to submit dispute letters on my behalf. Furthermore, the erroneous and lazy reporting an are affecting my status as an XXXX XXXX service member. My security clearance and access is in jeopardy despite working diligently to correct my financial status. I need these dead accounts to be removed as they have become obsolete and irrelevant. Especially those accounts that are 7 years old or more. I XXXX XXXX XXXX and my unit will need me available for whatever is on the horizon. 
Thank you for your understanding and support.

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 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid off my car loan with Bank of America and received my title. Never had a late payment the whole loan. Now its reported as 30-59 days late and closed. My online account has been turned off so Im not able to see any information My score dropped XXXX points

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 2024-05-05 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: Uplift, Inc
State: GA

Complaint narrative:
Uplift reported a charge off on an account that I never opened with them to XXXX. They said that I opened an account on XX/XX/2022 but I personally didnt. Someone did and paid on the account for 11 months and stopped. I never received any information saying that an account in which I was responsible for was delinquent. I have had the same address, cell and landline for over 20 years. I have asked them for documentation and proof that I opened this account but I was advised that based on the personal information that is mine that they didnt find anything. Yet they put a charge off on my credit report. I always pay my bills on time. My email address XXXX. I want Uplift Inc to provide me with proof that I opened an account with them ( which I know that I didnt )!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I wish to formally address a significant issue regarding a financial transaction in my XXXX account. Despite providing evidence that I did not subscribe to a six-month service with XXXX, XXXX has refused to issue a credit and instead offered to present the money to the merchant. I wish to emphasize that this payment was not authorized by me and I do not accept responsibility for it or any associated interest charges. In accordance with the Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ), which mandates consumer consent prior to withdrawals from their accounts, I did not authorize this withdrawal. As a result, I have initiated a dispute with XXXX to resolve this matter. I formally demand the full restitution of the amount erroneously withdrawn from my account, as per the provisions outlined by both the EFTA and laws governing unfair or deceptive acts or practices ( UDAP ). The withdrawal, purportedly for a service I did not use, constitutes a clear violation of these regulations. Furthermore, it is crucial to note that I adhered to the XXXX 's three-day refund policy by clearly expressing my desire for a refund and providing my address in Colorado. Any policy that selectively accepts payments but denies refunds to residents of New Jersey is illegal and unenforceable. Thus, any claim regarding the validity of the transaction is unfounded and legally untenable. XXXX has gained notoriety for defrauding consumers, and financial institutions are complicit in facilitating the fraudulent activities perpetrated by this organization. 

I am committed to pursue all available legal avenues to address this matter. I will not relent until the wrong inflicted upon me is rectified, and the full refund rightfully restored to my account. It is my duty as a responsible consumer to uphold the integrity of financial transactions and to hold accountable those who seek to exploit or manipulate them for their gain. Let it be unequivocally stated that such actions will not go unchallenged, and I will spare no effort in ensuring that justice is served. The flagrant disregard for consumer rights and the rule of law exhibited in this instance will not be tolerated, and I will not rest until I have reclaimed what is rightfully mine. Your actions are causing me significant hardship and stress, impacting my studies. I will involve my school 's legal department to address this matter accordingly.

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