vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: Chime Financial Inc
State: FL

Complaint narrative:
Terms were not followed refused to help after their own rep told me at XXXX XXXX it was indeed their fault. I contact at XXXX XXXX and was seeking status first person disconnect chat 2nd person then told me I wasn't eligible and to read terms. I sent terms again and asked them to explain as I had everything they disconnected. 

. Eligibility for XXXX. 

Initial Eligibility. To become eligible for a XXXX Account, you must meet all of the following requirements : You are XXXX ( XXXX ) years of age or older ; You live in a state where XXXXXXXX  is offered ( see State Eligibility in this Section, below ) ; You are a member of Chime Financial , Inc. ( Chime ) with a Chime checking account ( Chime Checking Account ) in good standing with Bank ; You have activated your physical Chime Visa Debit Card, or have an open and active physical Chime Credit Builder Visa Credit Card or Chime Cash Rewards Visa Credit Card ; You have downloaded the Chime mobile application ( Chime App ) from either the XXXX XXXX XXXX or XXXX XXXX XXXX ; and You have received any of the following, determined at the time of XXXX  Account opening : two ( 2 ) Qualifying XXXX XXXX Deposits from an employer, payroll provider, or gig economy payer of {$200.00} or more per deposit in the preceding thirty-four ( 34 ) days ; one ( 1 ) Qualifying XXXX XXXX  Deposit from an employer, payroll provider, or gig economy payer of {$200.00} or more in the preceding thirty-four ( 34 ) days and added an Additional Data Source ( as defined in this Section below ) ; or one ( 1 ) Qualifying XXXX XXXX XXXX  from a known government benefits payer ( such as the Social Security Administration or Department of Veterans Affairs ) of {$200.00} or more in the preceding thirty-four ( 34 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
XXXX credit bureau continues to report inaccurate information on my credit report. On XX/XX/XXXX a dispute was submitted to request Account XXXX XXXXXXXX XXXX XXXX account status update to closed on XX/XX/XXXX. The creditor correct the information in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account status as opened with inaccurate closed date, the account was disputed by myself to credit bureau, the account was corrected and the status was changed to closed/ charge off XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account as open with a new closed date of XX/XX/XXXX. 

I have filed several disputes with all three creditor bureaus and XXXX XXXX to correct the inaccurate information reporting on my credit report. The company continues report inaccurate closed date on the account even after numerous disputes. 

I filed a complaint with CONSUMER FINANCIAL PROTECTION XX/XX/XXXX CFPB Reference Number : XXXX. The creditor agreed to report the account accurately to all three credit bureaus. After the letter was submitted to CFBP the creditor reported inaccurate information to all three credit bureaus again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
XXXX credit bureau continues to report inaccurate information on my credit report. On XX/XX/XXXX a dispute was submitted to request Account # XXXX XXXX XXXX account status update to closed on XX/XX/XXXX. The creditor correct the information in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account status as opened with inaccurate closed date, the account was disputed by myself to credit bureau, the account was corrected and the status was changed to closed/ charge off XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account as open with a new closed date of XX/XX/XXXX. 

I have filed several disputes with all three creditor bureaus and XXXX XXXX to correct the inaccurate information reporting on my credit report. The company continues report inaccurate closed date on the account even after numerous disputes. 

I filed a complaint with CONSUMER FINANCIAL PROTECTION XX/XX/XXXX CFPB Reference Number : XXXX. The creditor agreed to report the account accurately to all three credit bureaus. After the letter was submitted to CFBP the creditor reported inaccurate information to all three credit bureaus again.

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 2024-07-11 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: PA

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXXXXXX

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 2024-07-11 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: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
On XX/XX/2024 Hameroff Law Group, P.C conducted a Hard Inquiry on my credit report with XXXX credit bureau. This was unauthorized as I have not spoke to this company nor know who or what they are. Hard inquires are only supposed to be done at the request of the individual. This appears to be a Law Group based upon a XXXX search. I find it disturbing that they were able to obtain my social security number and run a hard inquiry on my credit without my consent or knowledge. I would like to have this issue resolved as this appears to be a fraudulent act. Thanks

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-07-11 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: IL

Complaint narrative:
I am writing again to express my confusion regarding your credit bureaus investigation into certain accounts on my report. As you know, I have submitted the required FTC report to the Federal Trade Commission concerning these fraudulent accounts. Following my submission, XXXX and XXXX removed the accounts from their records. 

I have also contacted the companies associated with these accounts, and they confirmed the removal. Therefore, my question is : why are these accounts still appearing on your bureau 's report? 

As a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. I need to dispute these fraudulent accounts : XXXX XXXX XXXX and 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 2024-07-11 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my Account. This accoutn is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am Asking you to verify as Accurate. 

Here 's the account Information : XXXX - Account Name : XXXX XXXX Acct 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX  to try to get it resolved and they have been no help other than apologizing on their behalf for their error.

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 2024-07-11 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: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX  to try to get it resolved and they have been no help other than apologizing on their behalf for their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX  to try to get it resolved and they have been no help other than apologizing on their behalf for their error.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-11 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: NC

Complaint narrative:
I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. I recently checked my updated personal credit report and I noticed many unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I previously requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation is complete, and you find my allegation to be true, so, please remove these inquiries and send me an updated copy of my credit report at the address provided : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The inquiries I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Misconduct by XXXX XXXX XXXX is well known and documented. I received notice from the Department of Education on XX/XX/XXXX that my XXXX student loans associated with that school would be XXXX due to misconduct ( that letter is attached, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evidence XXXX ). 
I also have a private loan with Navient for XXXX XXXX XXXX. Navient has a program to discharge these loans based on school misconduct. As XXXX XXXX XXXX 's misconduct is well known and documented, I submitted a School Misconduct Discharge Application to Navient, with over XXXX pages of evidence. I've included the personalized attachments here as well as the itemized list of attachments I included with the mailed package. My application was received by them on XX/XX/XXXX, according to the post office. 
On XX/XX/XXXX I received a letter in my Navient inbox stating my application for discharge due to school misconduct is denied. The reason given is that my loan type ( XXXX XXXX ) does not meet the criteria for this program. 
The facts are, this loan consolidated XXXX loans, both of which were loans for XXXX XXXX. Navient is the holder of this loan. The XXXX loan was disbursed for XXXX XXXX. XXXX XXXX has well known and documented misconduct, so much so that the Department of Education shut them down in XXXX. There have been myriad successful lawsuits against XXXX XXXX further proving their misconduct. What does my loan type have to do with this? The facts remain the same. The loan type does not change any of the underlying facts. The XXXX XXXX absolutely applies here. 
XXXX XXXX XXXX steered me toward these loans. Navient now holds the loan. XXXX XXXX was found to have committed gross misconduct and closed down. That the loan is a XXXX loan does not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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