vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions 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 representation 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 a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the report of this notice. I look forward to your response Thank You 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I was dispute items on my credit report on transunion I saw another SSN on my profile that not mines ended in XXXX and they told me it's no other one on my profile I told it's on the dispute side and asked me to call to dispute I asked to speak with a manger on Saturday XX/XX/22 and he couldn't see the he saw it on another login screen and said he was gon na put in a ticket for maintenance to remove it and escalate to remove two items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That not mines I keep disputing these item and doesnt want to take it off especially when I say another ssn on my report and my name was spelled differently on there as well

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 2023-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: VA

Complaint narrative:
DEPT OF ED / NELNET Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXccount XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
When I opened a new cash app account, the account told me that I had a previous account with money in it. I tried to follow the steps in the app to verify the account. However, it asked me to verify a debit card that I no longer have. At that point, the app told me to contact support, which I did. I have XXXX accounts : XXXX XXXX ( old account ) and XXXX XXXXXXXX ( new account ). I want to transfer any funds from XXXX XXXX to XXXX XXXXXXXX. They keep citing security reasons but I have the same phone number and email that I have had, for XXXX  years. They could verify me through those means. See attached convo with account rep. 

Footnote : I suspect the debit card that they are seeking was my XXXX debit card. I closed all my accounts at XXXX in XXXX  and cut up the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX - I opened a business account with Chase Bank for my partner and I. They sent us each a card, which we activated and started using. They charged us the {$450.00} annual fee on the first statement, which we paid. We paid our card in full every month thereafter. 

XXXX, XXXX - while out of the country my partner and I tried to use the Chase credit cards and they were declined. I called Chase to learn that they can closed our account and deactivated both cards. They had apparently snail-mailed my partner while we were out of the country with a request for her to again verify her address at our joint home. They gave her a XXXX week deadline that expired while we were out of the country. So they closed our account and deactivated our cards. After spending XXXX hours on the phone with their representatives she uploaded the info they asked for while we were on this trip in hopes of having the cards reactivated. 

XXXX, XXXX - we returned from our trip, spent hours on the phone with Chase attempting to resolve this issue. We each uploaded proof of address in attempts of them re opening the account. We were told that we would get a call from the representative if they needed anything futher to re open the account. Nothing happened. 

XXXX, XXXX - I called and talked to a manager, so I was told. I told them that after wasting XXXX hours of my life trying to get this account reopened, I no longer want to do business with an organization that has no care for their clients, and asked for my {$450.00} annual fee back as I would no longer get to use the benefits of this card, which is the only reason I signed up for it in the first place. 

XX/XX/XXXX - I am just off the phone with another manager at Chase who is telling me that " they '' refused to refund the {$450.00}, and that she would fill out a petition for me.

Any institution that will simply close the account of a client in good standing without calling, texting or emailing is clearly not in the business of building relationships. I have actual relationships with a few other financial institutions that would never disregard their clients experience like this. I not only want a {$450.00} refund for the annual fee that I paid to Chase but I want a written apology for the horrendous disregard of my experience with their bank practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: LA

Complaint narrative:
In XX/XX/2023, a negative remark reporting a past due balance in the amount of {$1300.00} from Unifund LLC appeared on my credit. A Verification of Debt Letter was sent via certified mail to Unifunds corporate office on XX/XX/2023. After no verbal/written communication or response from Unifund LLC for over 30 days, a second Verification of Debt letter was sent via certified mail on XX/XX/2023. I have yet to receive any responses or clarification of the debt in the amount of {$1300.00} from Unifund and they are still reporting a past due balance on my credit report. I have documentation of both letters sent and USPS certified mail receipts sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to address a critical issue related to a wire transfer intended for my Chase bank account, which was erroneously redirected elsewhere. The transfer was intended to come from XXXX XXXX, who banks with XXXXXXXX XXXX 
On XX/XX/2023, XXXX XXXX initiated a wire transfer of {$20000.00} to my Chase bank account. Unfortunately, due to an error in the provided account number, the funds were not directed to me as the intended recipient. The error originated from the reversal of two digits in the account number used for the transfer. 
Key details of the erroneous transfer : Date of Transfer : XX/XX/ Amount Transferred : {$20000.00} Sender 's Information : XXXX XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX Incorrect Account Number : XXXX ( I am not adding the entire account number but the only mistake was in the first two numbers being flipped by the bank teller ). 
Subsequently, XXXX XXXX received a letter from XXXXXXXX XXXX on XXXX XXXX XXXX which stated that the funds were transferred. However, it's crucial to note that the letter did not address or correct the account number error but instead informed XXXX XXXX that they havent received a response from Chase Bank. 
I am perplexed by the discrepancy in the handling of wire transfers versus checks with differing names. Chase bank accepted and deposited the transfer despite a discrepancy in names, whereas conventional banking practice restricts cashing checks with differing names. This inconsistency raises concerns about the handling of such transactions and the protocols followed by banking institutions. 
Moreover, I contacted Chase bank regarding the accidental recipient of the wire transfer. They informed me that the individual who mistakenly received the {$20000.00} has already spent the entirety of the funds. Chase mentioned they are working on the matter, but their inability to guarantee the recovery of such a significant amount is deeply troubling. As a financial institution, ensuring the accuracy and security of transactions is fundamental, and the inability to ensure the recovery of substantial funds is concerning and unsettling. 
As the intended recipient, this situation has caused considerable inconvenience and financial hardship. Despite efforts to rectify the error and clarify the correct account details, the funds have not been redirected to my Chase bank account. Over the phone Chase bank said that there is nothing they could do because it wasn't their fault and that they just " hope '' that the person who accidently received the transfer returns it but there isn't anything that they can do. I really need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Time was spent call XXXX, typing and creating dispute letters, and licking a credit reports. Time was spent going back and forth to the post office. Time was spent finding errors on my credit. Reports time was spent calling XXXX multiple times. Time was spent filling out envelopes.Time was spent printing and signing dispute letters. Time was spent filling out usps certified mail forms. Time was spent in line at the post office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
M name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have tried to redirect the additional money I send in monthly to specified loan amounts which is an option on the website. I have gotten an error message on several attempts on different days and have called Nelnet to correct this issue. The service rep was not able to do this during the call, but only submit a request and expect that someone will update this and send me confirmation. The rep is also unable to redirect my additional payment upon request. There is not a dept for online issues and no one else to be directed to. I am actually unable to access my account to send any documentation or screen shots as I write this complaint. I believe this system to be faulty and also believe the website to be misleading in how it recommends payments to be directed.

Company response to consumer: Closed with explanation