vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: American Credit Acceptance, LLC
State: ME

Complaint narrative:
Since XX/XX/2023 I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recentlyXX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: RI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.I am a victim of identity theft please remove this fraud inquiry from 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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I called and spoke with rep with Chime on XXXX regarding an account closure that had funds of XXXX XXXX inside upon being closed. I was advised by the rep that since there was money in the account upon closure that after 30 days Chime 's process is to return the funds to the account holder or government if the account holder couldn't be identified. I provided my correct email along with verification of my identity to Chime as requested only to get the run around through Chime 's email and phone support team. Chime continue to not give an answer or status to me of when the funds of XXXX XXXX will be mailed to me as its been over 30 days. Account closure was on XX/XX/2023 it's now XX/XX/2023 and still no funds being mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: PA

Complaint narrative:
XXXX XXXX Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this 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 non-monetary relief
Consumer complaint received 2023-09-14 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: PA

Complaint narrative:
XXXX XXXX  Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this 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 2023-09-14 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: IL

Complaint narrative:
I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report.15 U.S.C . Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. 

In addition, in accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights. 

1.15 U.S.C 1681 section 602 A, states I have the right to privacy:15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2.15 U.S. Code 1692b - Acquisition of location information : Anydebtcollector communicating with any person other than theconsumerfor the purpose of acquiringlocation informationabout theconsumershall ( 2 ) notstatethat suchconsumerowes anydebt ; ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; and15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with aconsumerin connection with the collection of anydebt 3.15 U.S. Code 1692d - Harassment or abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Once again, I demanding this account be deleted.

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 2023-09-14 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: Nelnet, Inc.
State: CA

Complaint narrative:
This is a continuation from my last complaint submitted XX/XX/XXXX ( ID XXXX ). 
Originally Nelnet responded by refusing to rescind my IDR application that was wrongly sent and processed during the COVID forbearance. Later, after another feedback, they realized their mistake and sent me a physical letter stating my IDR application was cancelled, and my monthly payment will be {$270.00} starting XX/XX/XXXX through XX/XX/XXXX, until my next IDR recertification date. 
However, my Nelnet account continued to show a payment amount of {$2000.00}. 
I emailed Nelnet on XX/XX/XXXX requesting for an update, which they never responded. 

I called Nelnet on XX/XX/XXXX, was told my account will be updated in 3-5 business days. I called again on XX/XX/XXXX, was told it will take another 2 weeks. 
On XX/XX/XXXX, I received my billing statement from Nelnet, which still showed the wrong amount of {$2000.00} to be due on XX/XX/XXXX. 

The level of gross incompetence and complete lack of communication is unacceptable. To them, this may just be a number. However, to millions of student loan borrowers, this directly affects their livelihood, and the amount of psychological stress and frustration with the entire ordeal can not be quantified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I was banking with Chase. They said I had XXXX in an account. I tried to get it transferred out and they asked where the money came from. I told the. My buissness. They then said my account was closed and they would mail me a check. I never received any check or further response from them. I have about XXXX of funds they have not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete

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 2023-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
We lived in an apartment for XXXX XXXX XXXX XXXX which apt name was XXXX  XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX the complex was sold to XXXX  XXXX XXXX. Because of Covid and the fact that DES unemployment had run out, we reached out to the City of XXXX for Emergency Rental Assistance. We moved out of the apt XX/XX/XXXX the date our lease expired. The new management was about to get paid for 3 months rent by City of XXXX but refused to renew our lease. On XXXX XXXX, XXXX the City of XXXX issued a check to XXXX  for {$10000.00}. This was for past due rent up until the end of the lease. When we tried to rent a house in XXXX of this year, XXXX, to our surprise we were denied. XXXX XXXX XXXX had placed 2 eviction court judgements in our credit profile. I obtained check info and payment from City of XXXX and found that the XXXX XXXX had got paid. When I contacted them I was told that they had not received a check and that they had no doubt that the check went to XXXX XXXX XXXX. That was not the case. I contacted XXXX XXXX XXXX, spoke with XXXX XXXX and she told me to get a copy of the cashed check and send to her. City of XXXX is unable to give me that copy but they were able to send it to XXXX. XXXX XXXX lawyers were able to vacate and dismiss the judgements. Next thing I learned that now XXXX XXXX has put a derogatory note on my credit and my partner XXXX XXXX credit for non payment in the amount of a bit over $ XXXX. We did not sign a lease with XXXX  and we owe them no money. I called the Collection agency and tried to explain this to them but they told me that XXXX XXXX and XXXX  have merged and that no, no one has received the payment for rent in XXXX. They would not let me explain to them anymore and cut me off the phone. This has gone too far because the money has been paid. XXXX  XXXX  has it but they are not willing to inquire in their accounting ledgers. This has damaged us because I have been trying to resolve this issue for some time already and we are having to live with friends, relatives, sometimes hotels because we are unable to rent a home or apartment due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I closed my Citibank account after 33 years. 

In the morning of XX/XX/XXXX, I received a bill from a vendor through email, then signed onto the Citibank app to pay the bill using XXXX. Instead, the words Access Blocked appeared over the basic checking account information. After four phone calls to Citibank, I was informed that my joint account of 33 years had insufficient KYC data re : my wife, the account co-holder. 

My wife received exactly zero requests from Citibank for the information no emails, no phone calls, no textmsgs, no hard copy mailings. Rather, Citibank simply froze our assets held at Citibank. 

While the Citibank checking account played a small economic part in our financial picture, it played a very important one XXXX it was a facilitation account to keep vendors paid regularly. Ensuring that people are treated fairly and that I pay bills on a timely basis is very important to me. 

Over the following two days and more than four hours on the phone with Citibank representatives, the block was lifted. 

It is true that collecting XXXX information is critical for XXXX and that banking institutions need latitude to ensure the integrity of their banking relationships. Its also true that fair and reasonable notice should be given to customers to ensure customers have the opportunity to provide the information prior to an asset freeze. During one of the several phone calls to Citibank, the representative indicated that Citibank reaches out to people prior to freezing assets. Not true in our case and it often may not be true. I am not seeking monetary damages ; rather ensuring Citibank provide fair and reasonable notice to customers and that regulatory rules be enacted and enforced to ensure they do so. 

More than highly frustrating, this type of incident reinforces the American publics underlying concern of the US banking system and undermines the integrity of fairly doing business in the United States. Until only recently, my concerns were limited to actions of cyber-criminals and market-driven bank-runs. Now I am more concerned about the actions of the very institutions entrusted to protect our money and livelihood.

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 2023-09-14 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: CA

Complaint narrative:
I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the XXXX XXXX XXXX forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to Experian and XXXX. XXXX was corrected. XXXX has corrected, Experian is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX  XX/XX/XXXX. Just got my updated XXXX bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by Experian. 

The XXXX XXXX gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I am in the process of selling my home. I have received an email from the loan closer stating the sale can not be completed nor can I have anything notarized unless this judgment is removed. Gurstel and Associates filed a frivolous judgment against my property for someone with a similar name but completely different address and date of birth. I dont know this person and our birthdays are over 20 years apart. I contacted the law firm and advised them this judgment nor debt is mine. I verified the last 4 of my ssn and my dob with the representative and they confirmed it was different. They then told me I would need to go to the courts to work with them to have it removed. I am refusing to do so as I am not sure how they could even be granted a judgment on a property without even properly verifying the owners of the property are the person on the debt ;. I have owned my home since 2008 so the property history would show that. On the court website they show this persons information and her last address in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to know why Equifax dropped my credit score XXXX points on XX/XX/2023 for paying off two accounts ( IN FULL AND EARLY!!!!!! ) This makes no sense. I work at my credit and monitor it and I am being PENALIZED for paying stuff off ... IN FULL AND EARLY??? What is the use in even trying if you get dinged liked that? I want it corrected and I really want the way credit reports are being handled to change. Its near impossible to stay good with their nonsense way of doing things... fix it oir I will be filing a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
Synchrony Bank I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I attempted over 3 days to access my TransUnion Credit Bureau account. Attempting to log in, I received the same message that my account was suspended. 3 times I talked to a representative. No solution. I spoke to a supervisor, who recommended he delete my account and start over, he assured me my data would not be lost. I attempted to access my account, and was able to get in, no data, not even an account number or date of origin of service. He suggested I wait over night. Account suspended. Again, They deleted my account and I was told to create a new account. I waited overnight per their suggestion. I was able to log in, but again, no data, nothing but my name, no account number. I called and texted with reps, they said they would refer the matter on.One rep said I filed a dispute with them, which is absurd, because I have been unable to access my account. I attempted to access my credit report on XXXX XXXX XXXX. It said I had already received my credit report, which I have not.I can't get any information in my account, not even my TransUnion account number. I just want TransUnion to acknowledge the glitch, fix it, and provide my credit report, and make possible to access my account online, so I can perform disputes, etc

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