vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have had multiple denials from fraudulent activity with cash app. They will not refund me. I have attached a letter to the ombudsman. Please let me know if you need anything else. Thank you for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MA

Complaint narrative:
I am writing to report and dispute inaccurate information on my credit report with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to this date, I have not received a response. I am providing the details of the inaccurate information and the necessary corrections required : Account Information : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Description : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account Information : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$900.00} Description : The following account was never late. Please correct/update this inaccurate information 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 non-monetary relief
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: IN

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 2023-10-26 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: NY

Complaint narrative:
Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through XXXX and I sent them proof that I sent the check. I sent them a copy of the check and the USPS dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow XXXX XXXX claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made XXXX online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau companies that I'm up to date with payments and I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through USPS and I sent them proof that I sent the check. I sent them a copy of the check and the XXXX dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow XXXX XXXX claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made XXXX online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau XXXXompanies that I'm up to date with payments and I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$11000.00} Child support is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX  is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: DC

Complaint narrative:
Greetings I am reaching out because I recently received a notification that there has been a derogatory mark that has been included in my credit report by Reliant Capital. To start I have no direct or indirect knowledge or contract with this company for them to be attempting to collect an alleged debt. Additionally I did not receive a letter to dispute or deny this alleged debt which is a violation of the FDCPA. Another violation committed by Reliant Capital is the violation of 15 USC 1692c ( a ). This company did not have my prior consent to contact me, a federally protected consumer nor was there a judgement from a court of competent jurisdiction. As noted there has been an item added to my credit report meaning this company is in violation of 15 USC 1681b as there was no permissible purpose for the company to be reporting. Lastly if there is an arbitration agreement, there must be a meeting of the minds prior to any adverse actions being taken. I request that Reliant Capital be held liable for their unfair and deceptive practices and violations of federal law. Arbitration or filing suit will also be an option for me if no resolution is found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
I am writing to express my frustration as an inquiry, previously promised for removal, still remains on my credit report. This misinformation severely impacts my financial standing. 
I request an immediate investigation and removal of the inquiry as originally assured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I just reached out today as i was creating this dispute they told me that i never updated my address when the address was updated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I called numerous times and was on hold for over XXXX hours and then disconnected. Nelnet is completely overwhelmed and unable to service the student loan repayment process. 
I have parent plus loans for XXXX of my children after starting the process 3 months ago I finally the last group of loans paid off. Unfortunately, XXXX sent the payment to them USPS and its apparently lost. I'm responsible for a payment and interest due today, my son who refinanced it via XXXX has a payment due on XXXX. 
As the agency assigned to many student loans, Nelnet is a complete failure. Everyone was aware this was coming and the fact that they are completely overwhelmed and unable to function is a huge failure that thousands of students are suffering with now. 
I don't feel I and my son should pay interest on money that apparently both agencies are unable to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: MI

Complaint narrative:
My background check results were submitted to my employer with a consideration alert for a false criminal allegation of larceny that was dismissed without charge because it never happened. Why is this information being used against me and why was it flagged for consideration. My employment is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: LA

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 2023-10-26 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: NY

Complaint narrative:
EXPERIAN and XXXX XXXX received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. XXXX XXXX with the help from EXPERIAN used the credit score scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and XXXX XXXX must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX XXXX  for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from XXXX XXXX and have it returned to the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My grandmother called me to tell me that Midland Credit called her home in another state to collect a debt and I never gave them her number. They have been calling Unknown and from odd numbers at all times of the day. The account was closed and then reopened without my knowledge or authorization so I would like for them to cease all communication with me and my family. XXXX XXXX has been paid and I will not pay the debt twice. Please forward my 1099-C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
My XXXX account was hacked and someone was attempting to scam people by selling fake XXXX XXXX tickets under my name. On XXXX XXXX, XXXX, I XXXX  how to report and attempt to regain access to my XXXX account. Once I spoke to them, they gave me instructions to download an app ( XXXX XXXX ). I didn't realize it at the time, but this app allowed them access to my phone. I was instructed to go into my XXXX, XXXX, and Truist bank account and they gave me different instructions to make sure none of these other accounts had been affected by the hackers. During this time, these people instructed me to send and receive different amounts of money through these accounts. I was told no money would be taken from my accounts. Two transactions were made ( {$1400.00} and {$500.00} ) through my XXXX. Once I realized money had actually been taken from my accounts, I reported it. XXXX and XXXX have both reviewed these transactions and have cleared all charges. I immediately placed a call to Truist on XXXX XXXX and the representative put a hold on my checking account. However, 2 transactions had already cleared from my XXXX account equaling the {$2000.00}. I did not authorize these transactions. I have filed a police report for the total amount of all three transactions ( XXXX, XXXX, and Truist ). A credit card was added to my XXXX account and money was attempted to be transferred to it that I did not authorize as well and funds sent to a company via XXXX that was later proven that I did not receive any goods from. These were all done at the same time as these XXXX transactions. I also have documentation where an unauthorized device was added to my Truist account on the same day as these transactions were made. None of this was authorized. I have sent a copy of the police report, XXXX and XXXX claims that have been resolved, as well as documentation showing the unauthorized device added to my Truist account into the claims department at Truist. My last conversation with Truist was Tuesday XX/XX/XXXX in which they keep telling me it is still under review and a final decision has not been made. I was told I would be notified within 24 hrs of their final decision but I still have not heard anything and the money is still gone from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MT

Complaint narrative:
Someone hacked into my phone and hacked into my Chime bank account and stole my XXXX check and my financial aid check amounting out to {$1000.00}. And another dispute amounting out to {$450.00} I disputed with the Chime support XXXX times in the past XXXX days and rebuttaled XXXX times in the past XXXX days Ive contacted Chime XXXX times in the past XXXX days. I got hung up on XXXX times and the rest of the time they lied and said that no error occurred I provided evidence that an error did occur. I filed a police report With the police and in the police report, it stated that Chime needed to refund me. They are refusing to refund me. They are refusing to go through with the claim. They also told me several times that I qualified for a provisional credit for the money that was stolen and then sent an email saying that they were not gon na give me that money that was stolen from my account afterwards several times I also wrote a letter explaining everything as well

Company response to consumer: Closed with explanation