vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This is a response to the resolution for Complaint # XXXX your company provided and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
The complaint was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the named in the attached letter. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NRA Group, LLC
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens MO 281 SW 715,719 I presumed that no proof of the alleged debt, nor therefore in fact any such debt therefore exist! This company is violating my consumer right to privacy pursuant to 15 usc 1681 B2 company has also No permission to report anything using my information pursuant to 15usc 16814

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: FL

Complaint narrative:
The following is in response to my previous complaint : XX/XX/2023 Elan Financial Services Customer Assurance Retail Payment Solutions Office of the President XXXX XXXX XXXX XXXX, ND XXXX Re : Account ending in XXXX Dear XXXX, I am writing to inform you of the severity and gravity of the actions taken by your company regarding my account. The reduction of my credit limit based on a payment that was not even 30 days past due is not only an unfair practice but has caused substantial inconvenience and stress. 

This decision appears to be in direct response to my earlier complaint, and I must stress that I find these actions unacceptable and unethical. If my credit limit is not restored to its previous amount, I am prepared to take further action, including but not limited to seeking legal recourse and escalating this matter to regulatory authorities. 

I have been a responsible cardholder, and the handling of this situation by Elan Financial Services falls far below the standard of fair and transparent business practices that customers should expect. 

I strongly urge you to review this matter with the utmost seriousness and take immediate steps to rectify this situation. I expect a response within [ reasonable time frame, e.g., 10 business days ], confirming the restoration of my credit limit. 

Should my request not be met, I will have no choice but to pursue all available options to protect my rights as a consumer. 

I can be reached at [ your contact information ] should you wish to discuss this matter further. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX cc : Consumer Financial Protection Bureau 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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On or around XX/XX/XXXX I was aaproved for a Citi Diamond Preffered card online. The approval came back on my screen as a XXXX dollar credit limit. 
The following statement came up on the screen Congratulations, you have been approved for a Citi Diamond Preffered card with a XXXX credit limit. Your card is active immediately with 10 % of your total credit limt available for the first 10 days. After 7-10 days your card shuold arrive in the mail. 

My card has arrived and I have reached out cusotmer service, the escalation department and the approval department. No one can say anything but its XXXX and they are extremely rude thinking they have answered my isssue. 

They either are fraudently telling people one thing and then decreasing limits after or they are incompetent in getting me to the corect department with the answer.

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 2023-08-23 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: GA

Complaint narrative:
I have reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-23 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: GA

Complaint narrative:
I have reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-23 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: MI

Complaint narrative:
Each time I send in a dispute to Experian, I send a letter and a copy of my driver 's license, social security card, and utility bill to verify my identity. Experian will receive the dispute however they send me a response saying : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I have provided more than enough information to verify my identity multiple times. Experian is violating Federal Law by treating this as a frivolous dispute.

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 2023-08-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent. I noticed that you weren't even investigating and you completely ignored my disputes even though the law requires you to do so. Now I have sought the advice from an attorney. He mentioned the FCRA and I'm fully aware that I have a right to dispute any questionable items or information reporting. And I also know that you are required to conduct a reinvestigation as required and that you have a period of 30 days to conduct it. He stated according to Section 611 ( a ) ( d ), I demand that these items be reinvestigated & deleted from my credit report. Section 609 states you NEED to provide proof of the account disputed and questioned form a document with their name on the letterhead. Why are the documents not presented here when asked as you continue to ignore my demand? It is your duty to update and correct information. Failure to do so, will result with another meeting with my Consumer Law Attorney to enforce my consumer rights legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
Subject : Request for Forgiveness and Reversal of Late Payment Report Background : In XX/XX/2021, the first couple of payments for a student loan were missed. The borrower did not receive a bill and thought nothing was due because of the stay-at-home order issued by XXXX XXXX of Washington XXXX The account was set up by the borrowers parents, but there was a miscommunication in transferring the login information to the borrower. This error was discovered from a credit report blemish. 

Actions Taken : The borrower went online and paid the overdue amounts as well as the following month. The account was successfully closed within six months of the credit being hit, ahead of schedule. The loan servicer was contacted for relief, but none was given. The borrower requested that the late payment be rolled back off the loan, but this request was denied. 

Bad Faith of UAS Connect : There have been several reports of UAS Connect exhibiting bad faith in their handling of student loans. For example, one borrower reported that they had a recurring payment set up with UAS Echo, but when UAS Connect took over, they did not transfer the recurring payment and filed a delinquency. Another borrower reported that they thought their XXXX XXXX XXXX with UAS Connect was in COVID forbearance extension until they discovered that the first payment was due two months prior. When they contacted UAS Connect, they were told that there is no missed/late payment forgiveness program2.

Request : The borrower is requesting forgiveness and reversal of the late payment report with the credit agency. This would be in good faith, especially during the COVID-19 pandemic and in light of UAS Connects reported bad faith in handling student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THESE INQUIRIES WERE NOT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

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

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # 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 non-monetary relief
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I was contacted by Williams & Fudge on XXXX XX/XX/2023 in reference to alleged debt owed, I stated to the representative that this account had already been resolved and there is no reason for them to contact me on this matter. The representative stated that regardless of it being resolved previously this amount is still owed. I asked if i was intended to pay this amount that was previously owed and resolved and the representative responded with yes, I would have to pay again for the alleged outstanding account. I asked them to provide evidence that this account was not resolved, and I would be retaining a Lawer on the matter. The representative responded, " come on what lawyer are you going to get, who is your lawyer ''? This type of behavior is a form of harassment commonly reported in association with this company and is a form of intimidation and ridicule intended to be used in predatory tactics..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: GA

Complaint narrative:
The date of XX/XX/XXXX I sent to XXXX {$750.00} via company called Sendwave.their agents had given me wrongs codes which must be given to the recipient, since the recipient could not receive the said sum, because the codes were incorrect after that they canceled the transaction.I waited and then started calling them without success after which I emailed the recipient and information but still do no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was scammed out of {$5000.00} for an online vehicle purchase from a company supposedly based in Maine but was doing business under an address in Pennsylvania. The company, XXXXXXXX XXXX XXXX located at the said address of XXXX XXXX XXXX. XXXX, ME XXXX had vehicles listed for sale, that I came to find out were actual vehicles for sale from other dealerships throughout the US. 

They provided me a Bill of Sale, XXXX with matching VIN number, video walkarounds of the truck as well as tracking details when the truck was " enroute ''. I communicated with a gentlemen who went by the name XXXX as well as another gentlemen " XXXX '' who was the driver and everything seemed legit. I even did a bunch of research prior, confirming the LLC as " XXXX XXXX XXXX  '' registered at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. This LLC was registered since XXXX and the payment I sent was to their TD Bank account, which I still have all the account details for. 

I have since tried contacting TD bank and they will not help me as I am not a customer, and essentially have told me to kick rocks. I did contact my bank, XXXX on Saturday XX/XX/XXXX the day after the wire transfer to make them aware I believed it was fraudulent. They told me they would attempt to contact TD bank but that is basically all I have been told and that more thank likely this money is gone. 

I am not sure to what extent the bank can go to refund my money, but with the amount of details I have, there has to be something that can be done. I plan to press charges against the LLC but am filling a formal complaint against both TD Bank and XXXX for the lack of effort and support from a FEDERALLY INSURED financial company. There needs to be more action with regards to scams and I will take this as far as I need to. The FBI, FTC, Attorney General and XXXX  have all been contacted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I applied for a mortgage loan with XXXX XXXX who works for Fairway independent mortgage corporation in late XXXX. He assured me my loan was in good standards while my house was being built. XXXX ran 4 hard inquires on my credit and I also paid {$2600.00} down towards my earnest. Within 3 weeks of closing, I reached out to XXXX about my loan process and he stated that he will start working on it. XXXX negligently lied to me that my loan was being processed for 3 months when he actually didnt actually start processing it until 3 weeks before closing. XXXX then tells me that since he didnt lock in my loan rate of XXXX in XXXX my new interest rate would be XXXX which significantly increased my monthly mortgage rate. He also told me I needed to have an additional $ XXXX in 3 weeks to go towards my down payment at the time of closing. His negligence ruined my life! I changed my whole life around the lies XXXX told me about my loan. I enrolled my son into the elementary school zoned to the new home and I also changed my youngest sons daycare facility as well. XXXX told me it would be okay to put in my 60 day notice at my current residence and now my children and I have no where to live due to XXXX negligence. XXXX homes also refuses to refund my earnest money of {$2600.00} since I no longer can have the home. This entire process has caused me so much stress and tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Platium Credit Card is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX Signature Loan is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation