vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-04-20 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: Early Warning Services, LLC
State: WV

Complaint narrative:
Attempted to opt out of reporting and was told I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Inaccurate information on my credit report. XXXX  XXXX was sold to a third party collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
Nelnet has removed my access to view any relevant information about my student loans including critical disclosures and any balance/debt attached to my name. 

I have submitted numerous requests and have been prompted to reset my password, which I have, and I am still unable to access my account information - this access was removed after submitted previous complaints about the same company. 

I have even contacted support to no avail. I need to be able to access my student loan information in order to understand and monitor their balances, especially after submitting complaint previously about the same company. Any assistance in restoring my ability to access my account is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was out on a work trip in XXXX and realized I had lost my debit card on XX/XX/24. I immediately logged into my Wells Fargo account to turn the card off and called Wells Fargo to inform them on the situation and file claim on transaction that were not completed by me or authorized by me. A claim was initiated and I was told I should have a response by 10 business days. I called back the XXXX day and was told my claim was denied because I had used the card and entered the pin. Im pretty sure this is not the situation as I didnt use the card and I didnt provide the pin to anyone. While I was on the phone they said it had been denied because I had funded the transaction. Well first of all banks are to have money in them arent they. Second I was traveling for work to a different country of course I needed to deposit money into the card in case of an emergency. I wasnt checking my account 24/7 to have caught this earlier because I had XXXX XXXX in there and was only purchasing to buy XXXXXXXX XXXX  which I paid via XXXX XXXX. The excuses they are giving make no sense to whats going on. The purchases made were not made by me and thats a fact. Why would I be doing purchases in a home improvement store if I dont even have a home in that country. I live in an apartment here in the US. No alerts were sent and no fraud freeze was done even though the purchased happened in a different country and some above XXXXXXXX XXXX. Ridiculous if you ask me. XXXX claim number is 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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I reported my checkbook lost to the bank and they allowed transactions to go through when I was told that no transaction could go through including reoccurring payments and deposits of my paycheck and social security check. So I changed banks. 

However, they did pay a recurring transaction several days later after I have reported the loss, and told me they would close the account when I pay the negative balance ( the transaction they paid ).

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 2024-04-20 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: LEXISNEXIS
State: PA

Complaint narrative:
Subject : Request for Method of Verification -Bankruptcy Information Dear LexisNexis Consumer Center , I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by LexisNexis in the reporting of bankruptcy information. I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how LexisNexis verifies and validates such bankruptcy information.

Please provide the following information : 1. The specific procedures and methods used by LexisNexis to verify bankruptcy information.

2. Any documents or criteria utilized in the verification process. I understand the importance of accurate and verified information within consumer reports and am eager to ensure the integrity of the data associated with my profile. I kindly request that you respond to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is crucial in addressing and resolving discrepancies related to my consumer report. If there are any specific forms or additional information required to facilitate this request, please do not hesitate to inform me. Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> XXXX dollars for cash advance of XXXX Or a 56.7 % charge fee and XXXX cents for transaction fee? Totalling over 59.59 % in fees. 

Why are you even charging me the transaction fee if you are going to also charge me a cash advance fee. 

Apparently a few years ago citibank changed their terms and conditions without notifying customers and started charging cash advance fees on XXXX purchases. 

I checked and a few class action lawsuits were initiated. 

For now any transactions on mobile paying app XXXX is classified as a cash advance. 

This is ridiculous and abuse. I also understand charging XXXX % fee but 56 % is outlandishly a abuse and scamming customers. I urge cfpb fine and ban this practice of going behind customers and charging these fees when it should at most be XXXX % of purchase. 

We need to stop these abusive practices. Fees upon fees for doing nothing of value and changing terms and conditions without our knowledge or consent just because they sent the changes does not mean we agreed to it. 

Removal of these predatory practices is desired

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 monetary relief
Consumer complaint received 2024-04-20 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: OK

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
Dear XXXX XXXXXXXX, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

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 2024-04-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received an email from Chime on XX/XX/XXXX welcoming me to Chime. I contacted Chime on XX/XX/XXXX to communicate with them that I did not open the Chime debit / checking account with them. I informed them that this account was opened fraudulently and requested that they close it. I then uploaded documents that Chime requested for their records. The documents consisted of a Federal Trade Commission Identity Theft Report, a XXXX XXXX Police Identity Theft Report, along with a letter asking for Chime to release any and all information and transaction records relating to my account. 
I previously filed a complaint against Chime with you and they did not supply the additional information to me that I requested in the complaint. Chime did not resolve the issue addressed in the complaint that I filed with you. They did not release the requested documents pertaining to the opening of the fraudulent account in my name. 
In addition, they state in their response to the first complaint that I filed with you, that if I wish to receive additional information regarding the fraudulent account that I should email them at XXXX. Per their request, I sent them an email on XX/XX/2024 and asked them to send me a secure link to attach the additional copies of my identity theft reports along with the last four numbers of my Social Security number. 
Chime responded to my email the same day stating : Allow me to kindly explain, to ensure that were providing the fastest and most secure support experience possible ; we will no longer offer member support through email. In this case, for us not to miss any information and to assist you effectively specifically with your Chime account, it would be best for you to call us directly at ( XXXX ) XXXX. Rest assured that your concern will be taken care of once contact is done. 
I've called Chime numerous times after receiving this email and I did not get any farther. Their representatives barely speak English and appear to be reading off of a script. 
Also, XXXX XXXX, XXXX. services Chime and they emailed me a request to fill out their identity theft report. They did not report this correspondence with you. I was advised by my attorney and the Sheriffs Office to not fill this identity theft report out because the identity theft report from the Federal Trade Commission and the Sheriff 's Office that they have on file should be sufficient evidence that I am whom I say I am. 
Since then, I have sent Chime another copy of my Federal Trade Commission Identity Theft Report, the Sheriff 's Office Identity Theft Report, and the last four numbers of my social security number. 
Chime is still giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/year> Last XXXX of XXXX XXXX Bureau Name : Experian XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 168 te ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 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-Experian ) 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report immediately

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/year> I received an e-mail from credit karma informing that my account had been locked as a safety measure. I then received another e-mail requesting to confirm my identity. At XXXX XXXX  on XX/XX/year>, I sent the information they had requested. Today is XX/XX/year>, I have made several calls and sent several E-mails requesting they unfreeze my account. The help center said that the department that handles the unfreeze only operates by email and that they would send one for me as well. I have made several emails myself. NO RESPONSE. 

This is a company that says they are designed to help build your credit score. I question how not being able to pay for anything with my personal money helps my credit. I DID NOT receive a request for the information before they froze my account. I responded the same day as they sent the request after freezing my account with the information they requested. Over 48 hrs later I have not been unfrozen. I had transfered {$1000.00} into the account to pay for a bill. I have also set up direct deposit into this account. 


Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off

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 2024-04-20 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: FL

Complaint narrative:
I filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off

Company response to consumer: Closed with non-monetary relief