vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA is in it XXXX  for allowing it to get this far. But they said it's VISA 's fault for disallowing them from reversing the transaction, so that's where we're headed next. 

On XXXX. XX/XX/XXXX my husband went to get last minute essentials in out small town in XXXX AZ because we're headed to a motel for a few days for my Social Security hearing. We live under every perceivable poverty line. I can not walk very fast nor unassisted and I get SEVERE XXXX  from being in the wrong aisles of some grocery stores. My husband has knee problems himself and couldn't work if he wanted to ( we've both tried so hard ) and he would rather keep me safe. It's not a fun life. Every {$5.00} counts. So when he pops a tire and he's notifying me he's staying the night in town because he's ALREADY paid a roadside service who promptly promised serviceXXXX In the morning at XXXX, I'm XXXX shades of XXXX 

The next morning XX/XX/XXXX comes around and he tells me this roadside service called and canceled their alleged XXXX XXXX  appointment, too. They couldn't get someone out until the following TUESDAY. He ends up having to borrow MORE money to get tires in town because this is full-stop unacceptable and he tells the roadside service this and demands a refund for services not rendered. This is all reflected in bank statements. We go over this with the bank on the phone and they give us our money back in the meantime. 

Until about two weeks ago when we're {$400.00} and change in the hole again. We're TIGHTLY revolving zero this season. We have XXXX  income, even unofficially, until this Social Security situation is resolved, too. We re-initiate with USAA, who sends DEBT XXXX to my husband 's phone while we're trying to resolve this. This happens while we're sitting at the gas station just trying to go to the grocery store to spend our XXXX last month, XX/XX/XXXX! 

In finding out that USAA has negative interest in resolving this on our end, they did read us the fraudulent transcript the roadside company submitted to VISA in order to get their money. USAA has proclaimed they intend to send my husband all the documents the roadside servoce provided to VISA. I am disinclined to believe they will do this because they do not provide these documents to any of their customers, in my my hilariously already complaint-riddled experience. They must not have bet on someone who lives where they do because their family doesn't know where they live for a reason and would n't drive out here from a LOT of coasts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX there was a letter sent to Transunion asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into 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 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I am requesting that my private student loans ( Navient ) be forgiven under the basis that all federal loans were discharged for XXXX XXXXXXXX XXXX to the predatory and fraudulent practices. XXXX XXXX XXXXXXXX committed misconduct and am seeking a full discharge in result to getting discharge from my federal loans. 


Loan Type PRIVATE School XXXX XXXX XXXX XXXX XXXX ( THE ) Current Owner NAVIENT XXXX XXXX XXXX  Disbursement Date XX/XX/2008 Unpaid Principal {$8400.00} Unpaid Interest {$2.00} Current Balance {$8400.00} Interest Rate 10.500 % Interest rates on private loans are set by the lender. 
Interest Type Variable Total Accrued Interest {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MO

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
I am writing to formally address a serious matter involving XXXX XXXX XXXX and XXXX XXXX XXXX. It has come to my attention that my personal information was unlawfully sold to XXXX XXXX XXXX by XXXX XXXX XXXX, a flagrant breach of consumer rights and privacy laws. 

Moreover, I have been subjected to harassment calls, which constitutes another violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am invoking my rights to demand an immediate cessation of all collection activities pertaining to the account associated with XXXX XXXX XXXX Account # XXXX. This encompasses any form of communication or reporting of this account to consumer reporting agencies. 

Furthermore, I wish to underscore that any attempt to involve attorneys in this matter would compound the violations of my rights under the FDCPA, as delineated in FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ]. It is imperative to recognize that false representation or implication of legal involvement is strictly prohibited under this provision.

Additionally, I am cognizant of my entitlements under the FDCPA 813 [ 15 USC 1692k ], which stipulates damages of {$1000.00} per violation. Therefore, I demand the immediate deletion of the account linked to XXXX XXXX XXXX Account # XXXX, along with a complete cessation of all collection activities. I urge strict compliance with the FDCPA to avoid further legal ramifications. 

Please be informed that failure to comply with this demand within XXXX calendar days will necessitate escalated legal action to safeguard my rights under the FDCPA.

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 2024-05-06 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently made sure payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sunnova Energy Corporation
State: AZ

Complaint narrative:
The problem has been on going since XX/XX/XXXX and still today. 
In XXXX XXXX inventors on our solar when out it took them until XX/XX/XXXX to repair items covered under warranty. 
On XX/XX/XXXX and XXXX inventors went out plus the same XXXX inventors from XXXX and it took until XX/XX/XXXX to repair them under warranty. 
Our electric bill with XXXX for the summer of XXXX were over {$1200.00} dollar and very high bill for XXXX until they were finally repaired on XX/XX/XXXX Now they are wanting to remove the XXXX solar panels from our home with the very dangerous heat for summer starting. 
We are XXXX and I have XXXX 's XXXX and my huband is XXXX XXXX XXXX has XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've always made sure payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
Ive had a credit card with XXXX since XXXX. Ive never been late since that date on or around XX/XX/XXXX there was about a {$25.00} charge that my wife made and I thought the payment was all paid, I called XXXX. They said it was a zero balance and then all of a sudden I run my credit report and there are late payments dates on my credit report. It was only for {$25.00}. I had thousands of dollars in my bank account and they never called me or notified me in anyway even though they have access to email, text or my phone, never reached out to me and just put three months late payments on my credit report crushing my card and Ive never been late on anything in my life. Please get this deleted from my report as soon as possible. They never notified me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Nelnet, Inc.
State: CA

Complaint narrative:
I look at my credit report during the last XXXX month 's straight. XX/XX/2024, XXXX, XX/XX/2024 XX/XX/2024 and now XX/XX/2024. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to investigate the completeness and accuracy. 

I didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.

According to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. 

So, I then asked XXXX for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. 
A consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX there was a letter sent to equifax asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information reporting to my credit report regarding some inquiries I have no knowledge about. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into 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 2024-05-06 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: CT

Complaint narrative:
Synchrony Bank is a third party debt collector for Lowe 's XXXX XXXX credit cards. In order to force digital billing without itemization, Synchrony adds {$1.00} to each and every paper statement sent by mail monthly as a coercive tactic. I have spoke to Synchrony. The customer service reps display an attitude of indifference and indicate either " pay up or lose your credit. '' Digital billings are subject to changes by the debt collector without the consumer 's knowledge. Digital billings allow the debt collector to create duplicate accounts without the consumer 's knowledge. Digital billings are difficult to dispute because only the debt collector has a complete record while the consumer is forced to rely on the debt collector for information. 

I require a paper statement when I am being billed by Synchrony. I should not be forced to pay an extra {$1.00} for something to which I am entitled under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

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 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: GOLDEN 1 CREDIT UNION, THE
State: LA

Complaint narrative:
I am XXXX XXXX XXXX  stationed in Louisiana. 

According to XXXX law, the SCRA shall be applied to my account under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. Sent laws and requested SCRA benefits to my vehicle loan. 
XX/XX/year>. After several communications between self and XXXX XXXX, request was denied. 
XXXX XXXX will not acknowledge XXXX  law that extends SCRA 's benefit to any loan regardless of the origination date. 

I have provided my orders showing XXXX XXXX in the State XXXX 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my XXXX or equifax account. On our phone call also previous conservations with XXXX they report to all 3 beaurus. In emails she said only 2 beaurus. Its currently reporting only to XXXX. I'm asking Equifax to do their dye diligence that this is reporting to Equifax and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my XXXX or XXXX account. On our phone call also previous conservations with XXXX they report to all 3 beaurus. In emails she said only 2 beaurus. Its currently reporting only to Experian. I'm asking XXXX to do their dye diligence that this is reporting to XXXX and Experian

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 2024-05-06 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: GA

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: IN

Complaint narrative:
XXXX XXXX XXXX did not report the late payments correctly to each XXXX XXXX. In XXXX of XXXX how was I 90 days late with TransUnion but not with XXXX or XXXX? Also on my XXXX credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either XXXX or TransUnion credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).

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