vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MS

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found inquiries on my credit report that does not belong to me

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon me viewing my credit report I discovered some derogatory information.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon me viewing my credit report I discovered some derogatory information.

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: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Can I close my other accounts someone stole my other accounts and I can't get in them so I can set up a new account please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: CO

Complaint narrative:
I was unemployed during this summer due to studying for my bar exam. I explained my situation to Discover who offered no help. Their response was to ask me to make a payment of $ XXXX {$300.00}. When I again explained to them that I was unemployed and had no income at the moment they told me they had no other options to help me during this time. I was unable to make payments through the months of XXXX. Discover went to my co-signers who did eventually pay the amount. However, I was still marked as delinquent. I did not authorize the payment nor did I make the payment and I am still being penalized and my credit is being negatively affected. I am now in a position to make smaller payments and have signed up for a payment plan. However, based on when I was enrolled, Discover still reported delinquency for the month of XXXX despite me not making a payment yet and being enrolled in a plan. I now have four delinquent account notices on my credit report due to Discover filing with the credit agencies despite the amount being fully paid and being enrolled in a payment plan. After speaking with Discover they refuse to remove the delinquent notices. This practice is both unfair and unethical and has severely negatively impacted my credit score to no fault of my own. This student loan company does not care about it's borrowers nor do they care about finding a resolution for all parties involved. They engage in predatory practices, including harassment and unethical business practices. Avoid at all costs.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Email received from NetCredit XXXX Please Make a Payment Today Dear XXXX, Account # : XXXX Please make a payment as soon as possible by signing in to your account or calling us at ( XXXX ) XXXX. 


Your account is severely past due. We understand that certain circumstances may affect your ability to meet your financial obligations, and NetCredit is here to help! If you are having trouble making a payment right now, please give us a call and see what payment options for your past due balance may be available to you. 
Please find a detailed summary of your account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit card or bank account on file.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 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

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 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

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 card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had much difficulty getting my credit card account closed with Chase. I finally got my credit card account with Chase closed and ended up with a credit balance of {$3.00}. I want this account XXXX XXXX out and Chase to pay me the {$3.00} they owe me. I have had to pay them many thousands of dollars of credit card interest over the last few years, and they always refused to lower my interest rate even though I was struggling financially especially after a layoff during COVID. Now that I have finally paid off this account they are refusing to mail me the {$3.00}. I called today Thursday XX/XX/2023 at about XXXX Arizona time after trying to resolve the issue using Chase 's website and XXXX  app ( both said I had to call in to get Chase to send me the money they owe me- lol ). When I called in, a female answered who said she needed to re-open my account to mail me the {$3.00}. I find it dishonest that one of the largest financial institutions on the planet can not figure out how to mail me a check for {$3.00} after going through extensive security verification. After " putting me on hold '' to figure it out she and/or Chase disconnect the line and nobody at Chase made any attempt to call me back email me or message me through their app to apologize and/or get the issue resolved. I want Chase to mail me the {$3.00} immediately so this account has a XXXX balance. It should be noted that this is the second CFPB complaint about Chase in less than a month. I hope someone sues them for a large sum of money and wins. They are not abiding by federal or state financial institution laws and should be penalized.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 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

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this issue has been addressed multiple time an no action has been taken. checking the information reported all data is reporting illegal information an fraudulent data. this has caused many denials on my credit report. please review an remove the listed items to help update my credit report correctly asap.

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: NY

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

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: NY

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had several bank accounts that I found out were frauded. The person who I was dating hacked my phone and was doing fraudulent activities with my bank accounts, XXXX XXXX and my credit cards. I have never had any fraudulent activities problems with my bank accounts, credit cards, etc until recently. I found out he was making transactions such as XXXX transactions to my bank account and then sending the money through my XXXX, which was also closed out. I had not given any authorization for this to be done. I also found out he was doing the same thing with my credit cards. I have my passwords and other information saved in my phone and he hacked my phone to get this information. It was not me doing the transactions. I could not figure out why my accounts keep getting closed until I decided to ask the last bank why they were closing my account. They said due to XXXX activities they were deciding to close my account. I had not done any XXXX activities so when I went in and looked at my XXXX, XXXX XXXX  and credit card activities, I realized that he was doing these things with my accounts. Now I feel I'm being punished for his actions. I will admit that I may not have paid off my credit cards or bank what I owe them, but I have never done fraudulent activities. You can look at my credit history with my credit cards, bank account, etc. I'm asking that you please take this information into consideration and remove this information which has prohibited my in keeping or getting a new bank account. I now have to use pre-paid debit cards, which I have not had in a longer time. I was told by banks that I could never open up a bank account with them again, which now I understand why I was being told this. Thank you. 
The banks were XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX  and Truist Bank

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
This all happened today, XX/XX/23. 

The card mentioned " Use anywhere in the U.S. where Visa ( R ) debit cards are accepted ''.

The card is issued by " U.S. Bank National Association ''. The only two places mentioned on the card are the phone XXXX which is an automate only system ( contacted during normal business hours ) and the website www.prepaidgiftbalance.com which does not provide any contact us information besides the phone number. 

The issue : I tried to use my card online at XXXX, payment got declined. Registered the card, tried again, failed, set up a pin and tried again failed. 

Tried to contact the company but the phone system did not provide options besides lost card/check balance/set up pin. Nothing about talking to a person. 

The website support referred me to the phone number. 

I also reported this problem to the FTC. 

I will try to use the card in a store. 

Thank you for your time.

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