vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Express Enrollment LLC
State: CA

Complaint narrative:
During the pandemic, I was facing financial hardships and was worried when things opened back up again that I wouldnt be able to pay my student loans so I did research in consolidating loans and discovered the company SLFD processing. They insured me that if I paid a monthly fee for six months that they would consolidate my loans and put me on a program that was income driven and that their company was qualified in dealing with private and federal loans and consolidation. I paid every month, and when I reached out initially, I was usually was met with someone trying to assure me that the company was legit and that everything would be handled. When President Biden announced his intention to lower student debt, I looked into my current situation, and when I searched for SLFD on the Internet, I found that there were many people who were scammed by SLFD in the same way that I was. I fear that I was a victim of a scam that took money from many people and I am terrified that my information was sold to a third-party and that the money that I spent on my student loans being consolidated is lost forever, which is a huge blow to my current financial situation. I have reached out to them many times and have heard nothing back in response. The last email I got was a message saying that my point persons email no longer exists. The only information I have is that there may be an ongoing investigation into SLFD and that there might be some sort of class action lawsuit but I dont have any of that information and I have not been included in any of those conversations. Please help me get to the bottom of this I am genuinely very scared. Thank you so much for your time and help. I greatly appreciate it.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX asking this credit bureau to take a look at an account on my credit profile ( LVNV Fundung LLC. with an open balance of {$900.00} ). In which I disputed as inaccurate. XXXX sends me the consumer a notice that this account meets FCRA requirements. Which governs access to consumer credit reports and PROMOTES ACCURACY, fairness and the privacy of personal information. 

I received notice on XX/XX/XXXX that the information LVNV Funding LLC, Filed a complaint listing me as the defendant on XX/XX/XXXX. 
I filed a for more information or the Validity of this alleged debt on XX/XX/XXXX. 
LVNV did not file an answer or respond to the motion in the request for the information in which I asked. INSTEAD the company ordered the court to DISMISS the case on XX/XX/XXXX. 

XXXX XXXX Canceled/Vacated on XX/XX/XXXX. 

It is now XX/XX/XXXX and this alleged debt is STILL on my consumer credit profile that LVNV continues to report to the consumer reporting agencies violating my rights as a consumer by reporting inaccurate information that is being harmful to my reputation. This case has been dismissed by the Plaintiff LVNV with no regards to documents requests, in the validity of this alleged debt. This account should no longer be reported on my consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I disputed a claim against an online company for an apparent fraudulent practice that totaled an approximate amount of {$54.00} that was debited from my account. I reported the action on XX/XX/year>. 

The bank credited my account but reversed the charge this month. I tried several times to locate this online company without success. I notified the bank yet still I have not been successful in getting the debit reversed. Can you please assist?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the presence of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, indicating identity theft. I have reported the issue to the respective banks and filed a report with the FTC. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
This phone number has made repeated calls since XXXX XXXX XXXX XXXX XXXX 
This date is a Sunday, and also called on XXXX XX/XX/XXXX, XX/XX/XXXX. On these Sundays this number called at XXXX XXXX XXXX and XXXX. Between XX/XX/XXXX XXXX this number called seven times. All these calls were made without anybody leaving a message on answering machine nor caller ID. 
A message was first left on answering machine on XXXX XXXX XXXX XXXX XXXX XXXX XXXXhen again on XXXX XXXX XXXX XXXX XXXX These are the only messages left, and the first time identifying that they were calling from Ally Services. 
Between XXXX XXXX XXXX XXXX XXXX, they have called nine times at various hours and only identifying themselves twice. 
On XXXX XXXX  they called aXXXX XXXX XXXX, I answered and told them to stop calling especially on Sundays ; and I was going to file a complaint. I did inquire what the call was about and they said it was about an auto loan. 
I'm the cosigner on the auto.

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 2024-03-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I made several attempts to resolve the issue. The credit furnisher insist on handling my complete and accurate Identity theft form as a regular dispute. I am now moving forward with a civil suit, {$10000.00} for each fraudulent account that appears on my credit file. This civil suit involves the credit furnishers and creditors for defamation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/2022 we wanted to look into refinancing. Rocket mortgage contacted me and said they could help, when they told me what my new mortgage would be I told XXXX no that I couldn't afford those payments and we would have to look into something else. She then told me it was only temporary to do it for 3 months and then to call her back and she would lower the interest rate. She said her and her husband and done this and it worked out great for them. She said in three months my crefit score would be even higher and she could lower the interest rates. So we went with rocket mortgage. But when I called back in three months she just said can't help you and hung up on me. Now we are stuck with a payment we can't afford and I'm scared I'm going to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: MN

Complaint narrative:
I want all those injuries off my credit report and score please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute fraudulent accounts on my credit report. These accounts were not initiated by me, and I suspect them to be the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/10 I attempted to make a purchase at a Retailer called XXXX for {$570.00}. The gift card balance at the time of attempted purchase was $ XXXXThe first attempt on the merchant website was declined. I then attempted to add the card to a XXXX account and an XXXX account. All attempts were declined. Understanding that sometimes the bank may require a hold 20 % above the purchase price, I then tried to break up the purchases. Another attempt at {$310.00}, and yet again declined. 

From XXXX XXXX XXXX XXXX XXXX  I made XXXX  calls, and on the 6th attempt I was finally transferred to a customer service rep named XXXX. The service rep verified my card using the XXXXXXXX digit number on the back and the 11 digit id at the bottom of the card. I was explained the difficulty completing this transaction, and that my card was being declined. I was then told that my card had an available balance that would cover to purchase, and to try at a different merchant or in person. This particular store is very far away, making an in person trip impossible. This is also for a purchase of something that can not be found anywhere else ( and for my own wedding ) so I do not have the luxury of just using this elsewhere. 
I am not stuck without an option and and may not be able to purchase this item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
**Dispute Statement** I, XXXX XXXX XXXX XXXX dispute the address at XXXX XXXX XXXX, XXXX, GA XXXX XXXX reported on XX/XX/XXXX, with dispute number ( XXXX ) XXXX. Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : 1. XXXX  - Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 2. XXXX XXXXXXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual Regarding aliases, dispute the following names and IDs : - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX Dispute addresses at : XXXX. XXXXXXXX XXXX XXXX  XXXX, XXXX, GA, XXXX, Address ID # XXXX, Single family Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Dispute the following hard inquiries : XXXX. XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX, WI, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXDispute Statement** I, XXXX XXXX XXXX XXXX dispute the address at XXXX XXXX XXXX, XXXX, GA XXXX XXXX reported on XX/XX/XXXX, with dispute number ( XXXX ) XXXX. Additionally, I request the addition of my employer, XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : XXXX XXXXXXXX - Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual Regarding aliases, dispute the following names and IDs : - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX Dispute addresses at : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA, XXXX, Address ID # XXXX, Single family Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Dispute the following hard inquiries : XXXX. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, WI, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had an account with Chime. I asked for a replacement debit card, several times. Always being told by the app that my new debit card is on the way. This went on for months. My direct deposit of my monthly social security payments would normally be deposited to the debit card account. When Chime failed to send me a new debit card I had no choice but to switch over to my credit card account. Only because I had bills to pay and had been trying for several months to get a new debit card. When I switched to the credit card account I placed only my monthly benefits on the card. I also only spent what I put on the card. They are saying I now owe them over {$1200.00}. This has caused me to get denied for housing, loans and credit cards. My score is constantly affected by this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I made several attempts to resolve the issue. The credit furnisher insist on handling my complete and accurate Identity theft form as a regular dispute. I am now moving forward with a civil suit, {$10000.00} for each fraudulent account that appears on my credit file. This civil suit involves the credit furnishers and creditors for defamation of character

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 2024-03-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I made several attempts to resolve the issue. The credit furnisher insist on handling my complete and accurate Identity theft form as a regular dispute. I am now moving forward with a civil suit, {$10000.00} for each fraudulent account that appears on my credit file. This civil suit involves the credit furnishers and creditors for defamation of character

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested a free credit report from Transunion, as well as, ALL information based on the credit account ( transactions, affiliates, non-affiliates, processes, etc. ) Have not received any information upon request.

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 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Requested a free credit report from XXXX, as well as, ALL information based on the credit account ( transactions, affiliates, non-affiliates, processes, etc. ) Have not received any information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: FL

Complaint narrative:
accordance with the fair credit act first progress 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.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S-3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
In Accordance with the fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 States I have the right to privacy Section 6 0 4 States a consumer can not furnish an account without my written instructions under the 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose

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 2024-03-10 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: IN

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry on my credit report. I have no record of initiating any business or financial transaction with the said creditors that would warrant such an inquiry.

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