vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
Re : AARGON COLLECTION AGENCY Account # : XXXX Dear I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on >>>>>>>>>> PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.

Thank you for your immediate cooperation. 
_____________________________ 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 2024-05-28 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/year> NAVY FEDERAL CREDIT UNION was served a cease and desist to release the unlawful freeze placed on my checking account. They refused to remove the freeze immediately which violates bankruptcy law. Because NAVY FEDERAL has failed to perform thier fiduciary and custodial duties have been caused great harm. I have been denied my rights as a natural person and consumer. I have been prevented from attending to my everyday course of business of household and personal needs. 

NAVY FEDERAL CREDIT UNION is guilty of aiding and abetting BROWNSTONE FUNDING and Attorney XXXX XXXX in attempting to make me a debt slave. They are in violation of the following codes due to their unlawful actions : 18 USC 1589 ( c ) ( 1 ) states : The term abuse or threatened abuse of law or legal process means the use or threatened use of a law or legal process, whether administrative, civil, or criminal, in any manner or for any purpose for which the law was not designed, in order to exert pressure on another person to cause that person to take some action or refrain from taking some action.

NOTE 3 : 18 U.S. Code 1594 shows you that : ANYONE ATTEMPTING TO DO THIS, EVEN IF NOT SUCCESSFUL, WILL BE PUNISHED AS THOUGH THEY PULLED IT OFF. ALSO ANYONE WHO CONSPIRES TO DO THESE ACTIVITIES ARE JUST AS GUILTY AS THE PEOPLE GETTING FOUND GUILTY OF DOING IT.

18 USC 1581 - Peonage ( debt slavery ) - {$500000.00} - up to 20 years in prison 18 USC 1584 - Involuntary Servitude - {$500000.00} - up to 20 years in prison 18 U.S. Code 1593A - Benefitting financially from peonage, slavery, and trafficking in persons ( ANYONE ON THE FRINGES WHO BENEFITS FROM THESE ACTIVITIES ) - anyone found guilty of this one are treated as guilty to the actual statutes in this section. NAVY FEDERAL benefits clearly from my securities entitlement account ( checking account ), but I as the beneficiary of this account am receiving no value in return and am being robbed of rights as a natural person to satisfy all of my household needs in my everyday course of business.

They are all in violation of the FDCPA.

- 15 USC 1692b ( 2 ) - 15 USC 1692d ( 1 ) and ( 3 ) - 15 USC 1692 ( 3 ) due to Attorney XXXX XXXX can not be a debt collector nor can a debt collector be an attorney.

- 15 USC 1692g - 15 USC 1692i ( 2 ) ( b ) due to the entire lawsuit and judgement being illegal because nothing says nor authorizes the bringing of legal actions by debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Initial Edd card stolen and new account established. Dispute in my favor check sent out instead of card to card transfer. It's been several weeks as of today still no resolution. I've spent over 4 months and extreme amount of phone calls to nonavailability.

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 2024-05-28 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-05-28 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: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
I have three accounts that have been closed and should be knocked off in this year ( XXXX ). One of them is saying it will stay on my account until XXXX but I do not understand how when it was closed in XXXX. The accounts only stay for 7 years on the credit report. 

Accounts : XXXX : Closed/Paid XX/XX/XXXX and opened XX/XX/XXXX reporting " potentially negative '' {$570.00} was written off XXXX : Closed/Charged Off and opened XX/XX/XXXX reporting " potentially negative '' {$1800.00} was written off XXXX : Closed/Paid XX/XX/XXXX and opened XX/XX/XXXX reporting " late payment '' XXXX : Closed/Paid and opened XX/XX/XXXX XXXX XXXX : Closed/Paid and opened XX/XX/XXXX and the last payment was XX/XX/XXXXXXXX XXXX XXXXXXXX : Closed XXXX and opened XX/XX/XXXXXXXX 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These addresses and personal information are incorrect and would like for these to be removed from my credit report immediately. 

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 XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These addresses and personal information are incorrect and would like for these to be removed from my credit report immediately. 

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 XXXX XXXX XXXX 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 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX XXXX XXXX, I sent {$1700.00} through Sendwave, which equated to XXXXXXXX XXXX in XXXX currency. Typically, these transactions process within minutes, and my recipient usually calls or texts upon receiving the funds. However, the app failed to deliver the money to my recipients account that day. I contacted Sendwave, and a representative apologized profusely, explaining they were experiencing issues with their partners at XXXX XXXX in XXXX. He assured me the transaction would go through. Unfortunately, the funds were not delivered throughout XX/XX/XXXX. Despite multiple calls, the representatives could not offer a solution and continued to apologize. 

On XX/XX/XXXX, I received an email from Sendwave claiming the funds had been deposited into my recipients account. However, upon contacting my recipient, XXXX XXXX XXXX he confirmed no funds had been received. To prevent my business from suffering, I immediately sent another transfer through XXXX XXXX, another money transfer app, which XXXX promptly received. I called Sendwave again to address the missing funds. The supervisor, XXXX, requested XXXX statement of account. Despite numerous attempts to follow up and provide the statement, no one from Sendwave has returned my calls or explained my missing money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments XXXX XXXX # XXXX I've attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 fm now requesting you investigate this account and update these payments to paid on time immediately. I had forbearance and covid 19 no late payments should of been reported Thank you for your understanding and prompt action

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
I received a letter from LexisNexis Consumer Center dated XX/XX/2024. 

Subject line is " RE : Unable to Process Request '' As far as I know, I never made a request with LexisNexis as this is the first I have heard of the company. I called the phone line and they wanted me to give all of my personal information before they would tell me what this is about. It felt really dodgy and I don't know what is going on. The representative on the phone was unable to help. 
d

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MO

Complaint narrative:
On or about XXXX XXXX I sent a letter to Experian along with a copy of my drivers license and social security card regarding two capital one accounts that they are reporting inaccurate information on my credit report. They didnt do a proper investigation instead they sent me a letter in the mail saying the letter wasnt sent by me when in fact it was sent by me. I dont know why they would say that when I sent the letter I even attached a copy of my social security card and drivers license as proof so on XXXX XXXX I requested a reinvestigation on the same two capital one accounts and I highlighted the errors attaching my credit report with them highlighted. I sent a letter to Experian with the tracking number attached to this complaint as well as I am attaching a copy of the letter I sent to them. They have failed to reinvestigate these accounts in which This is really stressing me out because I am having sleepless nights due to their inaccurate reporting and it is causing damage to my credit report. I am attaching everything I sent them to this complaint and would like this looked into asap.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Try to do payments on time with Amex, Using their app. 

Take the payments but also charge me {$25.00} dollar fees because they never take the payments on time. 

Because of that problem I did payment with bill pay from my bank account same issues take XXXX days to clear balance on the card. 

Always setting limits to my card the balance never is clear or credit fast enough making me problem at the time to use the card, plus {$25.00} fees every time they want to do so. 

Please I need a resolutions with American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
Re : XXXX XXXX XXXX Account # : XXXX Dear I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on >>>>>>>>>> PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 
_____________________________ 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 2024-05-28 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-05-28 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: MD

Complaint narrative:
Experian let a creditor that they already had taken off of my credit report months ago, back into my report that caused me to lose my house loan. Due to the FCRA- thats against the law.

I contacted the collection company ( credence ) and they stated they sent a letter to Experian to remove this from my credit report immediately as they realized it was not my account. ( Sent XXXX spoke with creditor on XX/XX/year> ). 

Trued contacting Experian XXXX today and theres never a representative available to help me. This needs removing immediately either way before I sue Experian for breaking my credit reporting rights and losing a home loan for me.

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 2024-05-28 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: CA

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-28 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Please review previous complaints regarding credit inquiry

Company response to consumer: Closed with explanation