vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : 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 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 Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Commencing on or around XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my VyStar Credit Union account to fraudulent investment firms.

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 2024-02-06 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: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2024-02-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX  XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$2000.00} DEPT OF ED/XXXX XX/XX/XXXX {$4000.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF ED/XXXX  XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3500.00} DEPT OF EDXXXX {$3800.00} DEPT OF ED/XXXX  XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 1 presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX  XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2000.00} DEPT OF EDXXXX XX/XX/XXXX {$4000.00} DEPT OF ED/XXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF ED/XXXX XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF EDXXXX XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF ED/XXXXXXXX  {$3800.00} DEPT OF EDXXXX XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}

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 2024-02-06 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:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Here Experian slaps me in the face and laughing at me and CFPB with this notification saying congratulations your score has not dipped in months EXACTLY AND IT HAS NOT WENT UP EITHER BECAUSE THIS FRAUDULENT CROOKED COMPANY STOLE NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK JUST IMAGINE WHAT MY SCORE WOULD BEBIF THEY PUT BACK MY ON TIME NEVER LATE PAYMENT HISTORY

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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a summons for this account without any previous communication from them. In addition on the very same day they filed suit they mailed a settlement letter giving XXXX  days to settle. The letter was back dated but the post mark clearly shows it was mailed the same day as they filed their lawsuit so they had no intention in honoring their settlement offer or allowing the XXXX  days to settle or negotiate.In addition I have tried to contact this so called company on multiple occasions only to be told only XXXX agents are handling this account and the XXXX agents are never available and will return my call but they never do. 
This company is using underhanded tactics and have committed multiple FDCPA violations.i will be asking for the lawsuit to be dismissed and for Arbitration per the terms and conditions of the contract that governs this account.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX a ads online stating that they are a model agency, looking for modeler. I contacted them and they told me to take my daughter for a photo shoot. After the photo shoot they took us to a private room and sold us a dream, about getting my XXXX yrs daughter in the modeling industry, to model for brand such as XXXX, XXXX XXXXXXXX etc. We got excited and took their {$4000.00} dollar package. At the time i paid XXXX upfront and signed a receipt, and paid the rest within the course of 4 months. The sale representive XXXX XXXX told me that they would mail out all physical goods along with a port folio, XXXX card and contract with all the necessary stuff a newly modeler requires. After i finished paid i contacted XXXX for my shipping tracking information they told me that all the goods will be send digital because of covid they have changed their policy. I told the representative that i paid for physical goods and that I'm awaiting for my goods in the mail. I gave them up to XXXX week nothing came in the mail. I called them and requested a refund they refused and disconnected the phone calls, i called numerous of times no one pick up the phone. I contacted my bank XXXX XXXXXXXX and explained to them what happened and they reversed the transaction and labeled it as fraud. This company is a scam with a lot of bad reviews, i reported this company to the FTC. I never signed a contract with this company. I signed a receipt when i made the payment, and they took my signature and pasted it on a contract. If a consumer signed their signature, it won't reflect in the same form. Every time a person writes, it will look different. If you look on their contract that they have sent to the credit bureau my signature is the same on every page. Its not accurate they copy amd paste my signature on all their forms, it fraud to paste someone signature on a contract without their consent. I never received any calls from Monterey Collection services to verify my information. I did not gave XXXX XXXX / monterey collection my social security number. I want to know how did they access my social security without my consent. At the time of payment i used my debit card ending in XXXX. I reached out to XXXX XXXX XXXX numerous of time to disputed monterey collection off my credit report and they did nothing about the matter. XXXX deleted monterey off my credit report. XXXX are the only bureau allowing monterey to ruined my credit. XXXX XXXX XXXX has a high rate of scam complaints XXXX XXXX XXXX XXXX  every review on XXXX is stating that the company is a scam, they need to get shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/24 {$200.00} XXXX {$100.00} XXXX {$92.00} XXXX {$290.00} XXXX {$370.00} XXXX {$980.00} XXXX XXXX XXXX XXXX After noticing transactions that was not made by me I immediately contact us back XXXX and file a claim. 
I received a letter in the mail XXXX telling me that my claims were denied and included that I initiated, authorized, or benefited from the transactions. Which is false accusations with no proof..

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I submitted two requests ti LexisNexis to unfreeze my report. I provided the pin number. However, LexisNexis has never unlocked my report. I am trying to buy a car and I am being prevented in doing so because of LexisNexis. I need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My student loan was in forbearance until this past XXXX. My loan was transferred from Great Lakes to Nelnet, which is where it is currently. Nelnet starting accruing interest even though my SAVE repayment application had not been processed completely. 

I started accruing interest in XXXX XXXX and was approved for SAVE in XXXX XXXX. 

I reached out to inquire about why interest was being charged and I just received a blanket statement email that didn't explain anything.

From the Nelnet site, it states that if you are approved for SAVE and you make your required monthly payment, any interest exceeding that monthly payment is waived.

My monthly payment is {$0.00} and I have accrued over {$1000.00} in interest since XX/XX/XXXX. 

I need some answers and this corrected but they just keep responding with a scripted email that is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: DE

Complaint narrative:
I am following up my dispute regarding the discrepancies reported on my credit report. Upon reviewing the information provided, it has become evident that there are numerous inaccuracies and unverified entries that are negatively impacting my credit score.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a bank of America card. 

I had rewards that I credited to my account in the amount of {$10.00}. 

This lowered my account balance to {$49.00} and posted on XX/XX/year>. 

I then made a payment of my account balance of {$49.00} on XX/XX/year>. 

Bank of America charged me {$60.00} instead of {$49.00} and credited my account afterwards with the rewards of {$10.00} They moved money around and stole from me. 
I have a screenshot of the rewards on XX/XX/XXXX being posted and a new balance reflecting. After paying the balance they charged me the original amount and credited my account the rewards. 

Now my account has a negative balance because they took my money.

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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Every month my wife and I receive phone calls and emails saying our split payments can not be reconciled and therefore not compliant to their system. We pay on the XXXX or XXXX of every month. 
XXXX we pay auto pay from our respective checking accounts. 
XXXX. We fear that Mr. Cooper is reporting information to credit bureaus that inaccurately state our payment history. 
XXXX. When trying to communicate with Mr. Cooper it is impossible to connect with a human person for under 30 minutes due to an intentionally complicated audex system, which discourages any conversation. 
XXXX. There are no communication options or alternative solutions on the website. 
XXXX. When they choose to communicate, they identify the company as a collection agency, not a mortgage lender. 
XXXX. The company had a total security breach in XXXX of all clients, constituting the largest outflow of financial information to date by any company, including credit bureaus. 
XXXX. Why hasn't Mr. Cooper been ordered to cease and desist their collection process or ordered to change their communication system and payment systems? The option of giving them direct bank information is definitely out of the question based on their recent security breach. We could have lost hundreds of thousands of dollars if we had given them that information. 
XXXX. Had I known about the reputation of Mr Cooper, I would have never consented for them to hold my mortgage, regardless of lending rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year>, at approximately XXXX and XXXX my account was logged into from a foreign device and transferred all my money to my checking account and then was emailed to two separate email addresses. first emailed to ( XXXX ) Totaling in {$2000.00}. Then emailed to ( XXXX ) for {$1200.00}. 

When opening a dispute, the company in question, which is Chime, had denied my dispute within a few days Mutiple times. I logged in and took action on this matter within 30 minutes of it accruing and was still denied.

Company response to consumer: Closed with explanation