vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: NY

Complaint narrative:
On XX/XX/2023, I contacted XXXX XXXX in response to a direct mailing that I was pre-approved for a debt consolidation loan. 

I was told that the company assists not by giving you a loan but by contacting your creditors and settling your debts for less than you owe using Level One Law law firm. 

I was told to stop paying my creditors because an account with a company called XXXX XXXX would be opened for me. I would make payments of {$400.00} on the XXXX and XXXX of each month, which would be used to pay off my creditors and applicable fees. 

I was told about the fees and costs associated with the program. I inquired if these fees are charged upfront and were told no, these fees are collected once my debts are settled. 

I made my first payment on XX/XX/2023. ACH debits were also made on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. On XX/XX/2023, I checked my XXXX XXXX account and was shocked to see that my account only had {$100.00}. All the money I have paid thus far was not saved to pay my creditors ; nearly all the money was being applied to fees. 

I emailed the company on XX/XX/2023 requesting to cancel and get a full refund of the {$2000.00} paid thus far. I only received an automated response that someone would reply in XXXX business days. 

I called on XX/XX/2023 to make my request and was told I could do it over the phone or in writing using the form in my welcome packet. No such cancelation form was given to me, so I canceled over the phone. 

I was told by the agent that once I canceled, I was only entitled to the balance left in my account. My only recourse was to wait until I got the {$100.00}, call back, and see if a supervisor could do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: IN

Complaint narrative:
I submitted a dispute less than a week ago regarding the one and only negative thing on my credit report. For my company called XXXX. These people have fraudulently put this on my credit report because this was supposed to be paid due to insurance. Not to mention the fact I have repeatedly told XXXX that they are not to contact me they are not allowed to submit this on my credit report and I will only deal with the original creditor. Federal law says I have that right. On XX/XX/XXXX of all days Equifax said they had concluded the dispute and verify the information yet they refused to show me how they verified the information. What did they do get a letter from XXXX stating it is correct? That is not sufficient. They can not simply take the word of a creditor wanting to get their money home by the way has never sued me in court. The original creditor, XXXX XXXX, was supposed to file this with insurance and apparently never did. I never received proper notification from XXXX and the next thing I know this is placed on my credit report. Equifax has been negligent in their investigation due to the fact that they did not and could not have gotten proper verification of this from XXXX XXXX in a matter of a few days. They are merely taking the word of a well-known debt collection agency whom I might add continues to break laws every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This credit card was not opened by me and was never used by me. I contacted the card company letting them know it was not mine and I did not have an account to log in and see charges. I did not ever have possession of a card. This was a fraudulent account and I called multiple times to have it 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 non-monetary relief
Consumer complaint received 2023-07-04 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: TX

Complaint narrative:
Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.

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 2023-07-04 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:
Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX starting with - XXXX XXXX U.S.C XXXX681 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, 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 non-monetary relief
Consumer complaint received 2023-07-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXX Bank, account number - starting with - XXXX XXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX starting with - XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
No response back from company.

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 2023-07-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: GA

Complaint narrative:
Ive just reviewed my credit report and noticed the following inaccurate collection item ( s ) : XXXX XXXX XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.. 
Finally, please remove all non-account holding inquiries over 30 days old, plus delete all late payments and add a promotional suppression to my credit file. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: TX

Complaint narrative:
You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. I have asked to see documentation of the late payment history because the company could not furnish this information. This account was also transferred to a collection agency which I have already started a payment plan with which is why it isn't reporting on my report. If the company sold this account and I am on a payment plan with the collection agency, then why is this reporting as a negative account when I am in good standing with the new company? If you can not provide the evidence behind the late payment history, you are reporting then remove this account from my credit report due to false reporting.

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 2023-07-04 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: CA

Complaint narrative:
initial contact was on XX/XX/2023for case # XXXX and case # XXXX finally after contact with cfpb they responded on XXXX XXXX XXXX gave a vague answer. after recontacting chime bank about an explanation about funds being stolen from my account unauthorized by me they gave me the round around about giving the merchant that visa gives them 30day to respond. these reps do not investigate anything at all they seem to be reading from a rehearse script and are not really aware that unauthorized means unauthorized. " We are still awaiting a response from the merchant. Please feel free to contact Chime Member Services via email at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' I get a different answer my money still was stolen and chime plays games with its members. its XX/XX/2023 and nothing has gotten resolved. its been 4 months and nothing the CEO don't care about any consumer. they just like stealing money from hard working consumers..please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: U.S. BANCORP
State: AR

Complaint narrative:
I got a message from an attorney that sent an ad for the service and they sent the first page of a lawsuit against me. I have not been served yet and this attorney was warning me of the lawsuit. US Bank has never sent me one collection letter. My husband got sick and Im behind on payments, but never a letter for collections or a validation letter. Us Bank had violated the Fair Debt Act. In turn, because of this, I want damages awarded to me for my rights being violated. Im suppose to get a letter about being sent to collections. I never got one in the mail. I know by law they have to send me one.

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 2023-07-04 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:
Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-04 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-04 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief