vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX 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 explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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 received an email from Experian that said a fraud alert was added to my credit report I called to see who added it because I did not give authorization to add a fraud alert to my credit report when inquiring about it I asked the representative who did it she would not give me any information I asked for a supervisor and she hung up in my face

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MA

Complaint narrative:
I received notice from Discover Financial Services that I was being denied for a variable rate undergraduate loan Application ID XXXX on XX/XX/2021. 

I immediately contacted Discover who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with discover again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I transferred XXXX $ to my crypto account on XX/XX/2021 and another XXXX $ on XX/XX/2021. I did several cryptocurrencies buy/sell transactions in subsequent months. On XX/XX/2021, I had total XXXX XXXX XXXX coins in my account. When I looked at the home screen on Crypto.com it was showing current value XXXX $ and checked XXXX XXXX current market price XXXX XXXX 

Then I tried to sell some coins so went into trade -> selected XXXX XXXX and selected XXXX ( coins ) for sale and went on confirm screen and it was showing sale price XXXX $ and total value XXXX . 

I was trying to do this transaction at XXXX AM EST XX/XX/2021. 

For next 2 weeks, I tried same thing for about 7-8 times and noticed that when I try to see coins it is showing higher price when I initiate the sale and it suddenly changes at the final confirmation page. It is almost 20 % less it is bug amount. This seems like a software trick to make money and scam people. 

I raised this issue multiple times with Crypto.com but have not received satisfactory response. They have not been able to explain the reason when customer lose 20 % of its asset value when he does sell transaction. 

I request bureau to investigate Crypto.com business practices and help me get my money back. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am challenging the incorrect information with PXXXX XXXX XXXX where all 2 Bureaus Experian and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all 2 bureaus Experian, and XXXX as well as XXXX XXXX XXXX Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
To Whom it May Concern I have sent 3 letters to all 3 credit reporting bureaus. They have never gotten back to me on the information on their " investgativion ''. I contacted the Dept of Education and never heard back from them either. I have never been late on my loans as I have been in school. I am not sure why this is reporting this way and this is very alarming. I need this information fixed and reported correctly to all the credit bureaus. 

THis accout is reported 6 times late on all 3 bureus DEPT OF ED/AIDVANTAGE Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXXXXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Great Lakes indicated that my application for Borrower Defense was denied by the US Dept. of Education without giving me further details.

The US Dept of Education has responded to my inquiry concerning my borrower defense application as follows : Dear XXXX : Thank you for contacting the U.S. Department of Education 's office of Federal Student Aid. We have received the additional information you provided regarding your application for borrower defense XXXX. Please retain this number for reference. 

You had 2 cases closed that was duplicate cases, your original case is still open. 
The status is pending review. 

You will be notified once a decision has been made on your application. 

If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX XXXX XXXX XXXX. Eastern time. 

Sincerely, U.S. Department of Education ( ED ) Federal Student Aid Borrower Defense Unit *To respond to this email, please reply to this email thread without modifying the Subject line. That way, your response will automatically attach to your application. * I would like Great Lakes to explain why I was told that my borrower defense application was denied. Great Lakes is nothing but fraud and does not maintain accurate information on my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I was in XXXX, XXXX. I had prearranged a cab pickup from our hotel ( XXXX XXXX ). I had Citi alert active on my card. A man in baggage claim stated he was there from our hotel. My companion and I got in XXXX. He stated the hotel had not paid him after we were en route. He requested my card to run charge. Once he had my card he pulled the XXXX over in front of a bank. He took my card from the vehicle without my permission. He reentered the XXXX and returned my card and said we were ok to proceed to hotel. I did not sign any receipt. I assumed at this time he was from the hotel. After getting my bill, I discovered a charge for {$6200.00} on my Citi card from XXXX XXXX XXXX XXXX XXXX. I called my cards fraud center immediately and filed report. They refused my fraud request twice in writing and a manager stated he would file again. Did not happen. Countless calls to Citi cards has not resolved this issue. I have a credit score of XXXX and have had this card 21 years.I have literally spent hours on the phone with them and spoken to dozens of representatives/ managers. I contacted the hotel in writing to notify them of the impersonator.

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 monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a check cashed that I did not send chase back will not put the money back in my account someone cashed it and its been since XXXX of 2021 they keep telling me they are waiting for the other bank to respond well its been close to a year and still no reimbursement .I asked how much longer do I have to wait for them to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I made a jewelry purchase of {$520.00} at the XXXX XXXX location of XXXX on XX/XX/22 and decided to return it on the same day to another location. I returned the entire purchase but did not receive credit for the return.

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 monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
ic System sent collection letter XXXX, for Creditor : XXXX XXXX for {$270.00}. 
This is the 3rd company contacting me. 

IDENTITY THEFT My 2020 income tax returns were stolen from US mail.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I Search Q In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have asked numerous times to not be contacted and for them to not send out letters from them because they are sending them to my parents address and NOT mine. They have not provided me with accurate information. I just financed XXXX through XXXX XXXX for a auto loan. Not sure why they would approve me for that if I truly had a debt from them go to collections.

Company response to consumer: Closed with explanation