vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MI

Complaint narrative:
As 20 USC 1232g ( b ) states! No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. Which is part of The Family Educational Rights and Privacy Act ( FERPA ) a federal law enacted in 1974. That protects the privacy of student education records. 

the amount of {$3500.00} and {$6200.00} for the date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I received an email from Chime stating that they returned my return of {$10000.00} because it didn't match my name. I called them to see what happened and they said that it wasn't refund season and it was over XXXX XXXX dollars. I asked if I received it in check form and would I be able to deposit it and they said yes. That was confusing in and of itself. I then called the third party that issued my refund to Chime to see if they could get a check sent to me, they said they sent it back to XXXX XXXX. I called XXXX XXXX ; they said they'd send it to the address on file but the problem with that is, I no longer live there. Now I'm finding out that my refund has been sent back to the IRS and is back in verification and I will have to wait three months to receive what I had been waiting on for eight months. I was expecting a check so I could allot it to my bills and pay my rent but now that's not happening. No matter what season or amount, my money should come to me without limits. I have to stay with them because that's where my refund for XXXX  is going to go but this tax season, I'm sending it to my other bank because I can't afford for this to happen again if I don't get my refund in or around tax season.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
What Happened : I found an inaccurate item on my credit report listed under Collection Management, allegedly tied to the original creditor, XXXX XXXX XXXX XXXX. I have no knowledge of this debt or any dealings with XXXX XXXX XXXX XXXX. Additionally, I believe this account may have been accessed or reported in violation of 15 USC 1681b, as I did not authorize any such activity and have no contractual or legal obligation to this creditor.

The collection account details are as follows : Account Name : Collection Management Original Creditor : XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/year> Status : Collection account, {$1500.00} past due as of XX/XX/year> Balance : {$1500.00} Balance Updated : XX/XX/year> Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Actions Taken : 1. I disputed this account with XXXX, citing that it is inaccurate and not associated with me. XXXX failed to remove it or provide a proper resolution. 
2. The presence of this account on my credit report may violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which governs the permissible purposes for furnishing and using consumer credit reports.

Desired Resolution : I am requesting the CFPB to : 1. Investigate XXXX failure to act on my dispute regarding the XXXX XXXX account. 
2. Require XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to validate the debt and prove that they had a permissible purpose under 15 USC 1681b to report this account.

3. Ensure the immediate removal of this account from my credit report if it can not be validated or was reported without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app suddenly closed my account for no reason or fault of my own.I contacted cash app my account never even got a chance to verify it because I opened the account on XXXXXXXX  it was opened maybe 1 hour a friend sent me {$20.00} I linked one debit card to the app as soon as I accepted the {$20.00} from my friend they closed my account. I have contacted them dozens of times on that support chat which is a robot keeps giving the same answer over and over cant talk to a live person been going on for 3 months now XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX innocent bystander XXXX XXXX  by vehicle lost control and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im unable to work they know this I have told them over and over I know its not a lot of money but when you have nothing its something they keep saying they escalated my case to the proper team and it will be next in line told me this 30 times whenever I was XXXX XXXX my wallet got thrown out of my back pocket and into the wreckage and someone apparently found it and have all my information my drivers license my social security card my bank cards everything about me was In that wallet and someone has opened numerous accounts in my name its a total nightmare and I explained this to cash app as well but they taking their sweet time not worried about a XXXX mans well being of weather have food or not I need this taken care of immediately plz and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MOHELA
State: MD

Complaint narrative:
I called Mohela XX/XX/XXXX & put in a refund request for a {$3000.00} payment I made on XX/XX/XXXX and was told it will take 90 business days to process. I called in XXXX & XXXX, they said it was still processing and that they will push it through for me to process since it was over 90 business days. I call back in XXXX and they said they dont see the {$3000.00} payment posted to my account. Well why didnt they say that in XXXX when I put in the request? How are you processing a refund for a payment you don't see and I talked with multiple people, makes no sense. So I send them my bank statement showing they took the {$3000.00} out of my chase bank XXXX XXXX. I call back two weeks later ( XX/XX/XXXX ) and after an hour and half, talking to 3 people the solution is they need to submit a request to accounting to apply the {$3000.00} payment to my account because it got lost somewhere ( RIDICULOUS! ) then they can process the refund which will take another 90 business days, UNBELIEVABLE! That will be a whole year. They took the money in 1 day but takes a year to give it back. Im refinancing my loan with XXXX XXXX  in XXXX as soon as i finish school. Ill never take a loan again. I am now calling them again XX/XX/XXXX, to follow up since no change. I am now calling them again XX/XX/XXXX, to follow up since no change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 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:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX, CA 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 2024-11-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ]. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Account : Planet Home Lending ( PHL ) This account is currently reporting inaccurately : I had a forbearance agreement plan with Planet Home Lending, and this information is listed on my monthly statements. 

Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :

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 2024-11-25 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, LA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Charge off 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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I was charged XXXX $ on XX/XX/scrub>/24 tonwith drawl money at an atm which lead me to look at all of the other fees I was charged by Venmo for transferring my money to a personal account. Which adds up to over XXXX $ and more. I asked for them to refund these service fees on XX/XX/year>24 and was told they could not refund any of my fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Kikoff Inc.
State: GA

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: LA

Complaint narrative:
On XX/XX/XXXX, I submitted a letter to Equifax challenging unauthorized inquiries and a XXXX  account that is not mines to be removed or verified. The inquires to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As of today I have not received any updated status or results, I have also called and requested removal and was informed by the agent to send in a letter and a copy of my DL and SS card which I did. I am requesting according to the FCRA laws that this inaccurate information is removed immediately off my credit report. 

I will attached all documents that I have previous submitted. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-25 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose. 

Credit Account : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : Ending in XXXX Missed payment in Question : 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 2024-11-25 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: NJ

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with non-monetary relief