vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: VA

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment in XX/XX/2020 on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have not ever not once been late on a payment for this account ( below ). 

Account name - XXXXXXXX XXXX Account number - XXXX ( XXXX XXXX XXXX XXXX ( Experian ) XXXX ( XXXX ) Please investigate and provide proof with statements, showing and verifying that I was late on this payment. If proof cant be provided a demand this payment be updated to on time as I was NEVER late to begin with. Thanks.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have been disputing my account since XXXX All my account say 'Account not disputed '. I have called and sent letters to let them know I AM the one disputing my accounts. My next step will be a lawsuit. I know my rights and they are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
This is XXXX XXXX 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 explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Received a call from XXXX XXXX regarding a debt from Fifth Third Bank . I tried asking the gentleman to send proof of the debt to my current address and not the address they have on file but he refused. He then resorted to reciting my full Social Security number as a method of intimidation and threatened to sue me. I was informed the conversation was being recorded, please seek a copy of this recording as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: VA

Complaint narrative:
This is XXXX XXXX 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 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 2023-08-31 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
I am operationally hacked. Have found the hackers can not steal from GPay, although they make it DIFFICULT TO USE!!!! Often the card is not an option to chose from and is made into a credit/debit under GPay!???? Or not under the correct email account or can not transfer to the email account in question!!! Please assist in resolving this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was shocked to learn that it was sufficient for someone to know my name, addressand cell phone number to open a Chime bank account and have a debit card sent to my address. 
My employer in factreports a wave of fraudulent activity tied to Chime ( https : XXXX ). Unauthorized accounts have been opened using XXXX XXXX employees personal information and victims then receive unsolicited debit cards sent to their mailing address. 
I am writing to you now to assist me in requesting that the fraudulent account be closed ( XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX ). I never requested a card from Chime and never did any business with Chime. But when I contact them, they send me an autoresponse. 
I need Chime to confirm in writing that the fraudulently opened account has been flagged as fraud, and closed down. Thank you very much in advance for your timely response, as I count on your office to assist with this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have wrote letter on two different occasions, XX/XX/XXXX  and XX/XX/XXXX  informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance 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 non-monetary relief
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
I have wrote letter on two different occasions, XX/XX/2023 and XX/XX/2023 informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/2023, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance 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 non-monetary relief
Consumer complaint received 2023-08-31 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: WI

Complaint narrative:
I am filing this complaint as i have attempted to dispute the late payments on my credit report with Transunion as they have impacted my credit worthiness as a consumer of the United States. As of the FCRA 15 USC 1681B my rights have been violated as Ive NEVER given written consent to the credit bureaus to furnish those transactions as well as FCRA 15USC 1681a is another right of mine that was violated as this transaction was supposed to be exclusive between me the consumer and the creditor. Transunion has repeatedly sent me inconclusive responses simply stating they verified the disputed items but they have not sent me conclusive verification that Ive requested in the attached method of verification. Documents attached.

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 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I paid off all fees due to get my vehicle back which I did get back ( the vehicle ) in the month of XXXX. I was told it would be 3 weeks for a title flip even when they read their terms with me it said the same thing. It's been 6 almost 7 weeks and they refuse to do the title flip. I'm paying for a car I can not drive as the registration is expired. Every time I call they say XXXX will contact me back or she's stepped out the office. I've called at different hours on different days and have been given that same response. It's causing high stress as I need my vehicle. I am paying for this vehicle. I paid all fees and still XXXX who handles the title flip refuses to contact and update me on the title flip issue. I regret making the choice of purchasing this vehicle with these people. Not to mention when I paid for XXXX they took the money and paid for " miscellaneous fees '' as they called it, I didn't authorize that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/XXXX  I requested to close my account at Citizens Access Savings and transfer the funds to XXXX XXXX. I received a confirmation number for the transfer. By XX/XX/XXXX nothing had happened. I called and was told the account was under review but the CSR would not explain what that meant. I have spoken to various CSR 's over the month of XXXX. I have been told that my wife needs to be on the account to transfer the funds. I have never been given the means to add her despite repeated requests for access. I was also told that my birth date was wrong. I asked for that to be corrected. Every CSR says they will take care of requesting that I get access but none have been successful. The account balance when I requested closing and transfer was {$56000.00}. I do not know if more interest has accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are 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 explanation
Consumer complaint received 2023-08-31 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I was contacted via email by TSI stating they were working on behalf of XXXX XXXX XXXX. I responded to the email disputing the debt in its entirety and requested documentation. After disputing the debt TSI provided no documentation but began to call me on multiple occasions requesting personal information. Including Social Security Number previous and current addresses. This is a fraudulent debt XXXX was paid in full when I canceled my services. If you research this company there are hundreds of complaints addressing the same thing. No matter how much money you pax XXXX upon canceling there services they always bill you more. When you refuse to pay the indulge in extortion by referring the account to multiple collection agencies who without proof report as derogatory credit in order to collect money consumers do not owe. This is the 7th Collection company XXXX has sent this debt to. I have successfully fought all 7. But they continue the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
My signature was forged on fraudulent activities in my account this happened in XXXX  from what the report says. They ended up closing my account resulting in me not having an account with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I sent in a check to pay off my student loans with Nelnet on XX/XX/2023. The check was cleared on XX/XX/2023. Nelnet transferred my loans to XXXX whom is now telling me that I owe the loans again and that interest will begin as of XX/XX/2023. I have already paid this loan and now feeling like my money was stolen from me. I have spent countless hours on hold trying to get in contact with someone only to get the call disconnected. I have proof from the bank that the payment was cleared. I tried multiple times to call XXXX whom I never am able to get through to. I can't keep spending hours on the phone listening to hold music for then the call to get disconnected. i have a family and planning on buying a house and this is causing extreme stress to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NC

Complaint narrative:
This is XXXX XXXX XXXX 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 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Love, Beal & Nixon, P.C.
State: AR

Complaint narrative:
They brought the debt from XXXX XXXX XXXX, the debt was an old debt that been reporting inaccurate dates to the credit bureau in order to try and beat the law. They reporting the account was open in XXXX, infact the account went delinquent in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX we submitted a claim against XXXX XXXX XXXX XXXXXXXX XXXX for a demand for refund which was promissed to us, which was well within the 60 days for ELECTRONIC FUNDS TRANSFER ACT. 

Chase did not even review any of the information we sent over denied our claim but we then reapplied to reopen the claim, as they submitted our initial response incorrectly. the information we supplied them with was receipts from the purchase, proof of refund receipts from the company complaints with the State attorney general of new jersey and FTC fraud complaints in the amount of XXXX for the claim. all screens shots of conversations. 

Chase bank now has wasted over 9 months denying me my rights and now I am in a position where I'm entitled to damages, and being discriminated against, and I'm now entitled to pecuniary damages since the account never settled, this is extremely distressing and im going through extreme mental anguish for almost a YEAR with this ordeal, non- of the agents or chase have assisted in resolving this matter they are simply stating we are at fault, and with this Accusation this is defamation and we are still waiting 15 days after our last response with chase 3-4 hours on the phone to no avail. 

This is a clear violation of my CONSUMER RIGHTS and I will seek damages for chases unwillingness to resolve this immediately. 

They are failing in there fiduciary duties to protect me the consumer against such fraud, and has shown a pattern of non-compliance for over 9 months of non-response, and dishonoring my claim and me. 





from STATE ATTORNEY GENERAL From : XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : Requested information. 



From : XXXX XXXX XXXX Date : Tuesday, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXX Subject : Refund for Passed Challenge XX/XX/XXXX Hello XXXX, My account qualifies for refund, as stated from XXXX chat, let me know If I need to pull up the chat history. 

XXXX bought after XXXX did not qualify XXXX bought Before qualified, as was stated by your administrative team. 

I passed my account not a third passing service and would like to have this amount refunded to my account within a reasonable time frame. 

Ive attached the following requested information needed to process refund to my credit card. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed personal information that doe snot belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-08-31 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: NC

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