vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # : 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) - Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GAMACHE & MYERS, PC
State: AR

Complaint narrative:
I did not receive a written notice/debt validation letter from the last complaint I filed against this company. The debt agency did not send actual proof of notifying me of the debt validation. Instead they sent a new bill. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. This debt collector did not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and XXXX XXXX XXXX XXXX XXXX XXXX  where i have hospital records showing i was XXXX XXXX XXXX  at the time of these charges. also i have a police report for the robbery. 

when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. 

that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing XXXX XXXX XXXX during the time of these charges which were done at major retailers like XXXX and XXXX XXXX where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me my name is XXXX XXXX XXXX XXXX chime bank account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am enrolled in the standard repayment and Nelnet has not given me my real monthly payment amount. Currently, it says I owe {$180.00} a month. I have 90 payments left and if I were to take this payment amount and assume 0 % interest over the 90 months it would not even cover the principal amount. They also do not seem to have enough customer service representatives I've been on hold for over 2 hours and them my call was dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NM

Complaint narrative:
I have been trying to remove an XXXX XXXX XXXX account from my credit report. The account was closed in 2014, yet it shows incorrect information, and everyone I try to talk to about fixing this just blames someone else and then nothing gets fixed. I do not understand how to go about removing this from my credit report, yet everyone agrees the information is incorrect. No one can even find me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to help me with some accounts that are in my credit and they have not told me anything, they have never responded to me, not even by email. By law they must report what is happening with the case. It is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that MOHELA thoroughly assess the eligibility of my account under this regulation.

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations.

By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Cooper has tried to foreclose my co-op unit behind my back and I don't have a loan with them. They claim they are the mortgage company for the loan. They claim they have been sending me letters for years. I have not received the letters they have claimed they have sent me. They have been illegally taking money from the current board of my co-op without my permission, or knowledge. They claim they have documents that confirms my identity, but none of their documents match up. They have different names on different documents. They have collected money from the property manager " XXXX XXXX XXXX '', which I don't approve of either. None of the letters sent that they are showing me the envelopes of these mailings. When I reached out to them about it they refuse to give me consolidated evidence of their records. I have denied the whole loan. They will not give me a clear history of payments, or records they have on file since loan inception. This is predatory behavior, property theft, identity theft, and defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have been trying to remove an Bank of America account from my credit report. The account was closed in 2014, yet it shows incorrect information, and everyone I try to talk to about fixing this just blames someone else and then nothing gets fixed. I do not understand how to go about removing this from my credit report, yet everyone agrees the information is incorrect. No one can even find me in their system.

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 2023-10-06 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: OH

Complaint narrative:
XXXX XXXX REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've been trying to reach out from their department for several months now and Ive never received any response from their side. Im wondering if they have received all of my letters and what actions have they taken to resolve my concerns. This matter has been pending for so long and Im really hopeless knowing that my record will definitely give bad impressions to future creditors who will get to see my credit reports. In return, it will affect my credibility as a consumer to which I have no control if that happens. 
I remember the last time I wrote a letter to their department, I asked for the reinvestigation of these items and I was waiting for your response or results but I didnt get any after 30 days. 

CREDITORS NAME : ACCOUNT NUMBERS : DATE OPENED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've been trying to reach out from their department for several months now and Ive never received any response from their side. Im wondering if they have received all of my letters and what actions have they taken to resolve my concerns. This matter has been pending for so long and Im really hopeless knowing that my record will definitely give bad impressions to future creditors who will get to see my credit reports. In return, it will affect my credibility as a consumer to which I have no control if that happens. 
I remember the last time I wrote a letter to their department, I asked for the reinvestigation of these items and I was waiting for your response or results but I didnt get any after 30 days. 

CREDITORS NAME : ACCOUNT NUMBERS : DATE OPENED 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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I am the author of this complaint and I have attached an ID theft report, my driver 's license and my social security card to verify my identity. I applied for a loan and was denied. I noticed tNATIONWIDE CREDIT & CO ( Original Creditor : XXXX XXXXXXXX ) t reporting on my credit report without my consent or authorization. I contacted them to validate the debt and to show a contract between me and them but they have sent me frivolous responses and did not address my concern

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX and 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 2023-10-06 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: PA

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. 

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
Someone change my password 3 times and spend my monies in my account. They wont talk to me. They said when I get the answer to verify my account right than they will talk about my account. My account been compromised 3 times and they use my money in my account.

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 2023-10-06 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: NJ

Complaint narrative:
i have sent reports and disputed. they didnt do anything

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 2023-10-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  reported on my account in XX/XX/2019 late payment. They hav n't show us any proof of late payment after multiple request, and Then I request them to take this off my report and every time they asked us to send them a letter and they will take care of it. its been over 4 years i sent them multiple letters and they are not solving the problem that was created by them. they dont wan na handle anything over the phone and letters they are not responding us from last 4 years.

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 2023-10-06 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:
I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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