vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), a furniture loan account opened at XXXX XXXX opened on XX/XX/XXXX XXXX ( private ) XXXX XXXX XXXX  opened on XX/XX/XXXX under account XXXX ( private ) XXXX  accounts opened for XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), for XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ) XXXX XXXX  opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ). Personal installment account opened at XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX. For apartment at XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under account XXXX ( private ) and XXXX XXXX XXXX XXXXXXXX XXXX TX on XX/XX/XXXX under account XXXX ( private ), XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX under account XXXX and the XXXX XXXX on XX/XX/XXXX under account XXXX that appears related to the aforementioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My previous CHIME XXXX XXXX  was {$350.00}, then when my direct deposit went in on XX/XX/year> it was decreased from {$350.00} to {$200.00}. My Previous direct deposits were less then the deposit on XXXX XXXX, 2024 but XXXX XXXX was set at {$350.00}. So it seems like the lower my direct deposit amount is the higher the XXXX XXXX availability amount will be! This really seems like Chime is robbing you by decreasing the amount with no warning. I get, and I understand ( or Ibthought I understood ) that it was set by my direct deposit. However, it seems like I don't, and to take {$150.00} away with no warning wrong. I have no issue paying the money back, but there should ve some warning!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
A company called Mohela sent a letter requesting that I give them a little over {$300.00} a month, apparently indefinitely? I have no history with this company, they sent no validation or chain of custody, and when I looked them up, it turns out they're being sued for fraudulently trying to collect student debt at increased rates. This makes sense, given that my XXXX  repayment plan is only {$70.00} a month.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
MICHIGAN XXXX XXXX I, XXXX XXXX, being duly sworn, depose and say : XXXX. Personal Information : - My full legal name is XXXX XXXX. 
- My current address is XXXX XXXX XXXX XXXX, MI XXXX. 
- My date of birth is XX/XX/XXXX. 
- My Social Security Number is XXXX. 
XXXX. Purpose of Affidavit : - I am submitting this affidavit to demand immediate resolution of an inaccurate bankruptcy entry on my credit report. 
- This entry constitutes a serious misrepresentation that negatively impacts my financial reputation. 
XXXX. Details of the Disputed Bankruptcy : - The bankruptcy entry is associated with case number XXXX. 
- The bankruptcy was filed in USBK COURT XXXX MICHIGAN, located in XXXX, MI. 
- Date of filing : XX/XX/XXXX - Date of discharge N/A XXXX. Basis for Dispute : - The bankruptcy entry has been " verified '' by the credit bureau ( s ), yet no verification has been conducted by the original furnisher of this information. 
- Attached is a letter from the bankruptcy court explicitly stating that they do not furnish information to credit bureaus. 
- This invalidates the so-called verification process and demonstrates clear negligence or misrepresentation on the part of the credit bureau ( s ). 
XXXX. Demand for Immediate Action : - I demand the immediate removal of this bankruptcy entry from my credit report. 
- I also demand that you provide the specific details of who " verified '' this information and what methods were used. Failure to do so will be viewed as further evidence of willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Consequences : - Be advised that if this inaccurate information is not removed, I am prepared to file a lawsuit for willful misrepresentation and violations of the FCRA. 
- Your failure to ensure accurate reporting and your reliance on unverified or non-existent sources will be fully documented and presented in court. 
XXXX. Supporting Evidence : - Attached to this affidavit are : - A copy of my credit report highlighting the disputed bankruptcy entry. 
- A letter from the bankruptcy court confirming they do not furnish information to credit bureaus. 
- Any additional relevant documentation. 
XXXX. Sworn Statement : - I certify under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 602 A. States I have the right to privacy. 

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 instructions 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 2024-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
am in the process of closing my house. My date was supposed to be on XX/XX/XXXX. 

Citizens Bank had failed to discharge a HELOC in XXXX and refuses to help me expedite a discharge letter. 

I believe that they are delaying this discharge to gain another payment of interest on my HELOC by withholding the discharge letter which should have been done in XXXX, XXXX years ago. 

Although numerous calls and emails have been made, Citizens Bank refuses to send/expedite the discharge letter. My closing keeps being pushed up costing me another interest payment thus changing the payoff amount. 

I am desperate. Citizens Bank promised this letter to be emailed to me on XX/XX/XXXX and as of today, nothing. 

I am XXXX and also have a XXXX XXXX  so I can't answer a phone call but can text/email. 

Please help asap. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion is on a regular reporting The robbery remarks on accounts repeatedly without my permission ever and nor can any of the companies that they are allowed to furnish information that is negative on my consumer report. Author I'm a natural blood XXXX  created by. All my XXXX, I am not the all cap name. The old cap name is so therefore, all of the derogatory remarks, as well as the derogatory accounts that are consumer report needs to be removed because it is preventing me from being able to take care of my family, and it is harassment in one of the worst forms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments 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 never been late on payments for the account # XXXXXXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. 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 non-monetary relief
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments 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 never been late on payments for the account # XXXXXXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX credit card account- {$840.00} closed, and XXXX XXXX  loan accounts opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX under the account numbers ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX  XXXX credit card account- {$840.00} closed, and XXXX XXXX  loan accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account numbers ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX XXXX. There was an enclosed check from credit karma money save spend. It was a check for over {$1000.00}. I do not remember having an account with this bank or service. I tried to find out that information. Their customer service continued to put me off to other people and kept asking for additional information. They would not verify my account but only wanted more information. When they ask for a phone number so that I could scan an identification picture like a drivers license to send to them I told them no and do not believe that this is a legitimate business or check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
Ongoing Issues with XXXX and XXXX XXXX Ive been experiencing consistent issues with the XXXX XXXX over the past couple of weeks with Chime, specifically with the repeated need to reconnect XXXX Despite reaching out multiple times, Ive been given the same resolution steps repeatedly : an agent disconnects the account, I reconnect it, and the connection lasts for only XXXX day before the issue arises again. 

Its clear that this is a known issue, as acknowledged by Chimes agents, yet the troubleshooting process remains unchanged. If this is a recognized problem with XXXX, why is the resolution still limited to repeatedly disconnecting and reconnecting, placing the burden on the customer? 

This ongoing issue is unacceptable for a financial service. Reliability and seamless functionality should be the standard for any organization operating in this space. 

During my recent conversation with XXXX of chimes agents, XXXX, I expressed my concerns about the ongoing issue Ive been experiencing. XXXX offered to transfer me to a supervisor, but I declined, as Ive heard similar assurances before without any resolution. During the chat I was bounced around to XXXX different agents, none of whom seemed to be aware of my issue. This leads me to believe that previous promises to escalate my concerns were not followed through as stated. 

This lack of communication and follow-through is highly frustrating and does not inspire confidence in the resolution process. I respectfully request that this matter be properly escalated and addressed without further delays or miscommunication. 

I hope Chime takes this feedback seriously and works to address these recurring issues to improve the experience for other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Repeated attempts to collect a debt not owed. Repeated harassment. The information forwarded over from Nelnet and the prior complaint is not truthful nor honest it is not a contract that was ever signed between Nelnet and the original creditor known as XXXX XXXX at the time. Nelnet sent over documentation without the proper documents. The document sent over or not truthful or correct and there is redacted lines. Known it is a third party outsourced for-profit corporation that has never had nor will ever have written express permission from XXXX XXXX or from the federal student loan department that gives Nelnet the right to have my personal or private information. This is a matter of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm disputing the reinsertion of two accounts on my credit report : XXXX XXXX XXXX and XXXX  XXXX XXXX. These accounts were reinserted without proper notification, in direct violation of 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion. I did not receive any such notification, which constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, under 15 USC 1681e ( b ), the information reported must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Additionally, these accounts do not meet the requirements for a permissible purpose as outlined under 15 USC 1681b. Such oversights reflect a lack of diligence in maintaining compliance with federal regulations.

The failure to comply with the FCRA is a serious matter. Even non-willful violations may result in damages, and Experian could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial inconvenience. I hereby demand the immediate removal of these accounts from my credit report to prevent further harm. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification that were used to justify this action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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