vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
I lost my phone on or about XX/XX/XXXX and so I reported it stolen when I got a new phone on XX/XX/XXXX I went to connect all my accounts to a new phone I realized I've been waiting on a deposit from my financial aid and it had got there and all of it was gone so I've reported it to chime and made a police report changed all my banking information as chime requested and they still denied me my money in the end

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Unable to make payments for the past week, it says account services unavailable, to try again later. I called them 2x to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Reported on my credit report that owe a debt that I dont, debt fully paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: DISCOVER BANK
State: SC

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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my copy of my credit report, noticed I have fraudulent account on my credit report.

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 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After reviewing my credit report I noticed that I have several fraudulent inquiries on my credit report according to 15 US. 168 1a 2. I did not give written permission to have these accounts furnished in my credit report privacy law 15 USC 6802 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 explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loan servicer was Nelnet. All of my loans were transferred to XXXX. Nelnet is still reporting open loans with balances to the credit bureaus which is incorrect. XXXX is also reporting the loans so it looks like I have double the amount of Student loans that I actually have. I have contacted Nelnet and disputed the accounts with the credit bureaus but Nelnet continues to say their information is accurate but does not provide any updated information since XXXX. This is affecting my debt to income ration and greatly impacting my credit. Any assistance would be greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
They sent me the letter on XX/XX/XXXX and I thought it was fraud. Its a debt collector trying to collect a debt for another debt collector, that doesnt seem legal at all, for the original creditor XXXXXXXX XXXX XXXX. Now its on my credit report so i sent in the validation of debt letter yesterday by USPS with a tracking number : XXXX. 
They should receive it by Monday, XX/XX/XXXX. Im filing a complaint cause this practice doesnt seem legit. How can someone who does not own the debt have it placed on a persons credit report. And actually stated this in the letter. So if I did owe the debt how could i be sure it would be paid correctly or will i have to worry about another creditor trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are XXXX late payments with XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are XXXX late payments with XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose

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 2024-02-03 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: GA

Complaint narrative:
My student loan servicer was XXXX. All of my loans were transferred to XXXX. XXXX is still reporting open loans with balances to the credit bureaus which is incorrect. XXXX is also reporting the loans so it looks like I have double the amount of Student loans that I actually have. I have contacted XXXX and disputed the accounts with the credit bureaus but XXXX continues to say their information is accurate but does not provide any updated information since XXXX. This is affecting my debt to income ration and greatly impacting my credit. Any assistance would be greatly appreciated. Thank you!

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 2024-02-03 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SVCS I XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> NOTICE OF DISPUTE TO : CREDIT COLLECTION SVCS I, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt purdusnt to 15 USC 1682g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THE ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME. A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE XXXX-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this is disputed pursuant to the Fair Debt Collection Practices Act. you are requiredto cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX AND 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 non-verbal per 15 USC - 6802. I hereby inform that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Biley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with Section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide the Aggravated ValueOf Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX XXXX BENEFICIARY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
The account with Affirm had a remaining balance of {$810.00}. I paid this balance XXXX ( in full ). The company is still reporting this account monthly as a charge off and also has not updated the balance on the account to reflect {$0.00}. I have disputed this several times with XXXX and with the company. I have also provided a copy of the receipt to show proof of payment. I keep getting results that the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: AR

Complaint narrative:
The account with XXXX had a remaining balance of {$810.00}. I paid this balance XXXX ( in full ). The company is still reporting this account monthly as a charge off and also has not updated the balance on the account to reflect {$0.00}. I have disputed this several times with Experian and with the company. I have also provided a copy of the receipt to show proof of payment. I keep getting results that the account remains.

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 2024-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
They sent me the letter on XX/XX/XXXX and I thought it was fraud. Its a debt collector trying to collect a debt for another debt collector, that doesnt seem legal at all, for the original creditor XXXXXXXX XXXX XXXX Now its on my credit report so i sent in the validation of debt letter yesterday by USPS with a tracking number : XXXX. 
They should receive it by Monday, XX/XX/XXXX. Im filing a complaint cause this practice doesnt seem legit. How can someone who does not own the debt have it placed on a persons credit report. And actually stated this in the letter. So if I did owe the debt how could i be sure it would be paid correctly or will i have to worry about another creditor trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I was told I owed money for medical bills for my son that had already been paid. I informed them the bills had been paid over 6 months ago. I provided them with proof that the bills had been paid and they told me that the debts could be bills with the same amounts. I told them to check the information I provided, the claim numbers matched and I also verified there are no other claims from my insurance company with the same amounts. They still did not want to listen and told me to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity capital bank calls me constantly all day every single day. I had asked if I could move my payment date 4 months ago, I have never been late. I had found my best friend XXXX XXXX XXXX XXXX and had to take some time off work because I kept seeing her XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They said no. I have atleast 20-30 numbers blocked because the calls go from early morning to late at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: NC

Complaint narrative:
On XX/XX/2023 I paid a person XXXX to do a service for me and I didnt recieve that service. I contacted the merchant and asked what the hold up was and information but never got responses. I later found out that the person I paid was a scammer and then proceeded to file a dispute with chime bank on XX/XX/2023. I submitted all documents and proof that I paid and proof that I reached out to the merchant as well as others saying they were also scammed by this person. My first dispute was denied and I requested documentation and I was only sent the same documentation that I sent to them nothing from the merchant proving anything. I then did an appeal and that was denied within 5 minutes and I was not given an explanation. I then called chime bank and explained that a thorough investigation was not done and I have shown proof that I didnt receive what I paid {$370.00} for and was then denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 2 late payments with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose

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 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize these credit inquiries on my credit report. I have asked credit bureaus remove these these inquiries and they not. I am providing a copy of Identity theft report. I am asking for these inquiries to be removed because they are inaccurate and not mine

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 2024-02-03 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: IN

Complaint narrative:
I have three credits reports ( XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX  ) on my credit and they do not belong to me. I never opened these accounts and I am trying to get them off my report because they are inaccurate reports. I do not use any of these cards nor did I open any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices which the FDCPA prohibits. They furnished this account that we didnt agree upon and i didnt sign an agreement on. A legal contract is signed by XXXX parties and i did not participate in any signing. Also they didnt follow the proper XXXX step validation process which makes this an unfair practice. According to the XXXX entitled to XXXX USD per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose.

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 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Blackhawk Network Holdings Inc.
State: WI

Complaint narrative:
In addition to complaint, XXXX opened on XX/XX/year>. As of XX/XX/year>, {$500.00} has disappeared from my safe and there is NO transaction history showing any withdrawals. Due to already having a case against XXXX, I have NOT contacted them.

Company response to consumer: Closed with explanation