vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
It's medical bill on my credit. My job workers comp paid my medical bills so I'm not sure why it's on my credit. Can I please get it removed cause that's already paid my job insurance paid my medical bills I went to hospital from my job. 

And it's another collection doubt on my credit it's a loan or something that's fraud on my credit I was locked up so somebody must did something in my name when I was locked up it's not mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Its crazy how this is my fourth CFPB complaint and am still not getting a resolution. In the previous response the company quoted a principal amount of {$130000.00} that is not correct. I have now well over a dozen times added up the principal amount that they are claiming I borrowed and a simple calculation of what they are providing does not equal what they are quoting. Instead of sending me this standardized form letter and actually research my complaint they will see that the principal amount adds up to {$100000.00}. They are very well aware of my race as it was provided when the FAFSA was completed and I am feeling like because I am XXXX they can just quote anything and I am supposed to accept it. Absolutely not, please help me to have this properly reviewed and have someone add up all of the loans and explain to me why I am struggling to pay this every month and then they just drop an additional $ XXXX XXXX  on the balance. There is no way this is not an unethical practice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TEXAS CAPITAL BANCSHARES, INC.
State: DE

Complaint narrative:
Although my credit history is virtually perfect, I have been turned down from opening 5 year Certficates of Deposit at 2 or 3 banks within the past year due to a report that is unavailable to me. It appears to only be an inquiry from a bank with which I have never done business and is on my credit history with XXXX XXXX : Inquirer : TEXAS CAPITAL BANK ; XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/year> The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. 
Enclosed are the application copy, and adverse action notice copy provided by the source. 
Enclosed is a copy of the consumer disclosure report, which was created by using the identifiers provided to us.able to me at XXXX XXXX. 

The above is the ONLY thing I see on this report - a simple inquiry. I have a credit freeze on my credit files, but the XXXX XXXX report does not give any explanation of why this comment apprently from Texas Capital was negative. There is no reason stated in the XXXX XXXX report. Their employees are totally useless as when I ask, as they simply send me the same report copy saying it was only an inquiry. I have called that bank but never received any response after leaving messages. The email address on XXXX XXXX does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
n 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 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
In 2020 I opened Cash App accouht, and funded it from my XXXX XXXX XXXX..Somehow, when I went to login I found money was gone.Cash App didn't help me then.So I called bank reported my card as being compromised, and waited..The bank said after their investigation they couldn't prove fraud.I LET IT GO.. 
XXXX days ago I received a letter from Cash App, saying there was no activity on my account, for 4 years, it has XXXX, call them to claim it.. 
I CALLED.AND CALLED..I 'm getting nowhere. They basically are accusing me of lying.. 
I DONT RENEMBER THE EXACT XXXX NAME, I do remember phone number used..I called bank got last XXXX of card XXXX XXXX XXXX 
I have a name of someone I sent m9ney to in XXXX M8chigan from my account n t.. 
They are flat out calling b me a liar, saying because I can't remember everything, they can't help me.. 
It will go to my states Nevada unclaimed property, which I can get it then..but It's been XXXX years..I WANT MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint against CHASE BANK, NA, XXXX JPMorgan Chase & Co . 
Office of the Comptroller of the Currency ( OCC ) Case # XXXX Chase Bank NA wrongly took {$1100.00} from my Social Security retirement income to pay two usurious loans : A {$500.00} loan at XXXX percent interest, and a {$600.00} loan at XXXX percent interest, in violation of, XXXX XXXX, section XXXX ( XXXX ) of the Florida Statutes. I am currently age XXXX. 

On XX/XX/year>, the Customer Assistance Group ( CAG ) of the Office of the Comptroller of the Currency ( OCC ) provided me a letter ( Exhibit 1 ) that states, " Your complaint appears to involve an issue that does not fall under the direct jurisdiction of our office. You can submit a complaint about this issue to the Consumer Financial Protection Bureau ( CFPB ). '' OCC Case # XXXX. 

On XX/XX/year>, XXXX XXXX, Financial Specialist, Division of Financial Institutions, the Florida Office of Financial Regulation, referred my complaint to the Comptroller of the Currency ( OCC ) because Chase Bank falls outside of its regulatory authority. Chase Bank is a National Association financial entity operating in Florida under the regulatory jurisdiction of the Office of the Comptroller of the Currency ( OCC ). ( Exhibit 2 ) My complaint shows Chase Bank NA wrongly took {$1100.00} of my Social Security direct deposit after I made XXXX XXXXXXXX XXXX my direct depository on XX/XX/year>. ( Exhibit 3 ). 

Somehow my Social Security direct deposit was redirected back to my closed Chase Bank XXXX account and used to unlawfully pay XXXX unauthorized Tribal lenders for loans that are unenforceable and uncollectable in Florida under XXXX XXXX ( XXXX ) of the Florida Statutes : XXXX XXXX XXXX, XXXX doing business as XXXX Lending {$500.00} loan at 766.88 % interest, XX/XX/year>, Truth In Lending Act Disclosure ( Exhibit XXXX ) Unauthorized lender, unenforceable and uncollectable loan in Florida ( XXXX. XXXX ( XXXX ) ) Chase Bank Claim Number : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, doing business as XXXX XXXX {$600.00} loan at 500 % interest, XX/XX/year>, Truth In Lending Act Disclosure ( Exhibit XXXX ) Unauthorized lender, unenforceable and uncollectable loan in Florida ( XXXX. XXXX ( XXXX ) ) Chase Bank Claim Number : XXXX - XXXX XXXX XXXX A letter of XX/XX/year> from the Chase Bank Executive Office ( Exhibit 40 ) admits Chase Bank used my Social Security direct deposit to pay {$1100.00} to 605 XXXX XXXX XXXX XXXXXXXX. This admission by Chase Bank establishes probable cause for a violation of 560.125 ( 5 ), a 3rd degree felony. 560.125 also provides for criminal fines ( 6 ) and civil penalties ( 7 ).

See my 36 page complaint and Exhibits 1 through 62

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I asked my bank if the bank can stop the transaction or recover my money from the persons or companys account that I made but found out later that is it a fraud. But they can not help me dispute the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE

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 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XX/XX/XXXX, XXXX-Received a bill from Credit Control Corporation ( Debt Collector ) for the amount of {$8900.00} XX/XX/XXXX, XXXX a Debt Verification Letter to Credit Control Corporation including-Cease and Desist Request-Creditor/Debt Collector Declaration-Requested Information Checklist that are attached ( BE-DEBT VALIDATION-CCC ). 

Under the Fair Debt Collections Practices Act ( FDCPAP, I am entitled to request validation of the debt that you allege is due to Credit Control Corporation. This is not a request to verify the debt but rather a request for Credit Control Corporation to provide complete and competent evidence of my contractual obligation to provide payment to Credit Control Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: SC

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-02 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added a Chase Offer to my credit card ending in XXXX. The offer required me to spend at least {$1000.00} on XXXX products, and in return, I would receive a statement credit for {$100.00}. I met these conditions and Chase did not provide the credit. I contacted them about it and they said I did not meet the terms of the offer, so they will not provide the credit. I asked for more details about why I did not meet the terms of the offer, and they did not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I applied for a consolidation loan. I have a screenshot that I would receive a one percent loan. When the process was almost complete, they had changed the percentage from 1 % to 6.5 %. I called the company tried to dispute it. XXXX Is the company? I have a screenshot of the original quote. They would not honor it And it was the very last day that I would Have to dispute it so I canceled the process. I want to complete The consolidation at the quoted rate of 1 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute it. Please provide me with the certified receipt of the notice, including my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
I am a victim of ID theft and Experian will not remove this inaccurate 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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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