vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX  and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to first progress and credit on bank. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX # XXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

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 2023-10-25 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: LA

Complaint narrative:
XXXX XXXX XXXX # XXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I did not consent, nor benefit or authorize any of the following inquiries : Inquiry - SYNCB

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 2023-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX per phone conference with supposedly the student loan Manager for Firstmark Services. Original loan was received from XXXX XXXX and was put together by my son and XXXX University in the amount of XXXX. We believe, as real estate agents, that we got the loan on a fixed rate of 6 % back in XXXX. The XXXX loan, with a balance of XXXX, will never be paid off by this former XXXX University student that was not able to graduate because of health. 
Speaking to the Manager your treated as a reasonable XXXX by asking for assistance about an original fixed 6 % interest back in XXXX. Trying to review records from that time and from that lender, XXXX XXXX, can not be accomplished by us. This is why were asking for help because we are co-signers supposedly and Firstmark Services believes its okay to use XXXX XXXX transfers to an interest rate of almost 13 %. I truly hope there is an error and I hope its not my XXXX and hard working family at fault. I would appreciate help and I almost wish we didnt have to go through unhelpful master of profit Firstmark Services . Thank for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: EGL US, LLC
State: TX

Complaint narrative:
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with BMG with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I cant get into my coin base wallet and they do not have a phone number to contact them its a dead end to get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
The complete lack of support and aid is so infuriating. Im screaming into the abyss now. As a XXXX yr old trying to take advantage of the SAVE plan, Im ripping my out my hair making more of an effort than the greedy scam loving company Im so lucky to have borrowed money from. Do better. Were all deeply struggling. The entirety of the world is in debt. WERE ACTIVELY FUNDING A GENOCIDE WHILE OUR OWN PEOPLE CAN NOT AFFORD THE RIGHT TO LIVE AND THEY DIE HUNGRY. Keep protesting, keep questioning, keep caring. The true oppressor is money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX i checked my onlline banking with Truist. It was overdrawn {$320.00}. They had charged me for 6 overdraft fees for purchases i had made on XX/XX/XXXX. On XXXX i had balance of {$130.00} on XX/XX/XXXX i made 4 purchases ( XXXX ) {$45.00} ( XXXX ) {$20.00} ( XXXX ) {$27.00} ( XXXX ) {$17.00} this left me a balance of {$22.00} .On XXXX i made 1 purchase of {$22.00} my balance was {$0.00}. I went to XXXX XXXX and overdrew my account {$140.00} expecting a {$36.00} dollar overdraft fee. When i checked my account on XXXX XXXX truist had charged me over draft fees on all the purchases i have just mentioned. Even though the money was there to cover every purchase except the purchase at XXXX. Which i take full responsibilty for and was expecting. Truist wants to tell me it was because the transactions were pending even though the money was taken out when i made the purchases i am being charged for. They tell me Sorry nothing we can do. So i am paying {$180.00} in fees that the money was there to cover. They blamed it on the business that i made purchases from.

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 2023-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase Amazon Credit Card which had a {$4500.00} balance at the beginning on XX/XX/XXXX. I paid off my {$4500.00} balance in full on XX/XX/XXXXXXXX  prior to the close of the billing period. I also made new charges of {$540.00}. 

Chase Amazon charged me {$71.00} INTEREST on a {$540.00} balance. The statement says I was charged for a Balance Subject to Interest Rate of {$3100.00}. 

I should have the ability to pay off my previous month 's balance BEFORE the next billing period and not be charge interest on a balance that was paid off and was XXXX! 

I also should not be charged {$71.00} Interest on a {$540.00} newly incurred balance. My previous balance was paid in full and I should not be getting charged interest on new purchases until the start of the new billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
an accordance to the Fair Credit Reporting act XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXXXXXX XXXX ACCOUNT # 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 non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
an accordance to the Fair Credit Reporting act XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXXXXXX XXXX. ACCOUNT # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX not XXXX thats a mistake Credit Acceptance XXXX, scanned and fraud me two times 2 vehicle loans one vehicle was repossessed. My credit has been ruined. I have creditors calling me and the attorney generals office sent a letter. They are pursuing fraud and scam charges. They scam me and thousands of other New Yorkers, but they will not mediate my case individually. I have to seek counsel, the dealership who sold me the vehicle is responsible for scam. Also, the price was not XXXX the way it was leased it was only XXXX. I had full coverage insurance on both vehicles, one vehicle was repossessed and ruined my credit. I never had a chance with that one. Both vehicles were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both vehicles one of them this one I have now second loan I took it to the XXXX and they said its a scrap vehicle. It never should been sold in this condition its dangerous I would like for compensation for both of these fraudulent loans.

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 2023-10-25 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: IL

Complaint narrative:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: IL

Complaint narrative:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.

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 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My conventional residential mortgage is an annually adjusted amortizing loan. Select Portfolio Servicing Inc is the loan servicer. I received the annual notification of the rate reset. There is a new index taking place of the LIBOR. New benchmark is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX rate that is to be seen at the XXXX website, as per correspondence received from my loan servicer Select Portfolio Servicing, Inc PROBLEM : The XXXX website provides all information OTHER THAN THE ACTUAL PUBLISHED RATE NUMBER. Nowhere on the website is the actual rate, or number for the rate, disclosed. No historical rates or any actual informative rate history on this benchmark is published on the site. 
My servicer 's site, spsservicing.com, does not provide a link to published rates on the online account access either. Thus, these two companies are not transparent in disclosing the promised information that is printed on their correspondence and or referenced on the website XXXX. 
My complaint is XXXX needs to allow access for any consumer to see this " 12 month cash fallback '' rate on the website in both a current and historical manner, and, for my mortgage servicer to as well provide an active link to this rate from their servicing website..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation