vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NC

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi I had to open up a new case due to the company now responding but decided on only returning half of the unauthorized charges on my account, they returned only {$5000.00}, but the case was for {$10000.00}. So I was waiting on a debit card for months now From my Chime account I was sent via email from Chime and through phone. I was contacted by people claiming to be chime agents to help me with my debit card process I received a email from Chime stating the day I will receive my new debit card Unfortunately I didn't realize they were scamming my bank account with a app called anydesk and while I was working i never noticed my account was completely withdrawn to nothing and I never received any notifications from Chime about my account activity getting withdrawn in one day so fast until the next night out from work realizing I have no money for my bills or to eat I had to call Chime and i made a dispute with Chime cause the XXXX Zero Liability Policy. which stated card holders will not be responsible for unauthorized charges i also gave the Dispute agent at Chime The FTC report and number. & attached the evidence of the email and phone numbers they used and sent to me and the transactions of the total of my account which was withdrawn so Chime can start a thorough investigation like they told me. Chime sent me a email the next day with no thorough investigation stating after investigation with partners no errors had been made on your account you will not be refunded any refunds. I also requested the documents used for the investigation and they just sent me a screenshot of the bank statements I emailed to Chime for the investigation. help best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Loqbox US Inc
State: FL

Complaint narrative:
I hired Loqbox 's services over a year ago with the promise that they would report my credit positively as long as I deposited {$120.00} per month for a year. However, their automated system has caused multiple issues with my credit report, and I have experienced poor customer service without personalized assistance or effective solutions. 

Currently, I am unable to close my account and receive my deposited money back, despite having made 11 payments and an additional month. I have been waiting for over a week for the final payment to be collected, but the platform remains blocked. I am concerned that this will result in another late payment on my credit report, which has already been negatively impacted by Loqbox 's previous errors. 

Additionally, Loqbox has made unexplained changes to my payment schedule, extending my contract without my consent and causing further delays in my ability to receive my money back. I believe that Loqbox 's actions constitute a scam designed to hold onto my money for as long as possible while threatening my credit score. 

I am seeking an immediate resolution to this issue, including the return of my deposited money and an accurate, positive credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I had contacted credit acceptance in 2020 due to hours being reduced at work regarding the covid 19 shutdown/ reduce hours of operation and was told that I was unable to reduce or extend the length of the loan and was at 23.99 % interest I was also unable to refinance through credit acceptance to reduce interest I had already been paying for 2 years on the loan

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 2024-03-08 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: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX 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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-08 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-08 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: AL

Complaint narrative:
I recently reviewed my credit report and found that XXXX XXXX is making me pay for debts that are not mine. They sent it to the wrong address and acknowledged it over the phone as well. I am a victim of identity fraud, and they do not acknowledge this. I attached my identity fraud report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is listed on my credit report as owing XXXX. I have XXXX XXXX XXXX and before that XXXX. This account does not belong to me. Also, this same collection was on my report several years ago and was removed. It has been reinserted under another collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had filed a fraud claim as my purse with my phone, wallett and cards were in it. I was dealing with a potentially life threatening medical issues and was hospitalized so i was not within a timely manner they are claiming, but i have been making reports for this and they are telling me they can not do anything to help me with my fraud case. I have all my medical records and i need help with this disputes as I did not make the charges. Please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being. 

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.

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 2024-03-08 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: GA

Complaint narrative:
I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being. 

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.

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 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
Before federal student loans started charging interest again, I had requested my first deferment around late XXXX of XXXX because I had no source of income at the moment. MOHELA, the lender, honored my deferment within about 7 days that started in XX/XX/XXXX and ended XX/XX/XXXX. XX/XX/XXXX, 11 days before the first one was supposed to end, I had requested another deferment and set it to go in effect on XX/XX/XXXX. My balance by then was already showing for how much I owe in XX/XX/XXXX. 3-5 days prior I had emailed MOHELA asking for how to temporarily put my repayments on pause, with no response. I had then applied for a second deferment thinking that there was a glitch in the system. Second deferment was applied to on XX/XX/XXXX and requested the deferment date to be XX/XX/XXXX. Still no response on my status from either time as of today XX/XX/XXXX. I do however keep getting emails on when my loans are due but no one is responding to any emails. I have been frustrated with MOHELA and their lack planning on their end. They want me to make payments without even having enough money to do so at the moment because of my cost of living. I would rather have my loans transferred over elsewhere at this point than to deal with a company who is ignoring their borrowers/co-borrowers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have used paperless statements for several years, and was a US Bank customer for 20 years. Never was I involved with any crimes, but US Bank suddenly treated me like I was a criminal. They locked me out of my account and wouldnt let me back in. Theyve closed my account holding back appx {$1000.00} from what I can tell going by memory. Ive requested my statements and instead they mailed a uni statement Ive never seen before. No I MUST HAVE MY ACTUAL BANK STATEMENTS plus a snapshot of the day the closed my account. US Bank you can not win stealing from seniors. Please if you didnt steal as you are claiming then be transparent. Produce this information so I can see that you didnt steal from me. US Bank if you REFUSE to produce six months of account statements ( all three accounts ) along with a screenshot of the last day my account was open I most definitely will hire an attorney to request the documents on my behalf. PLEASE MAIL ME THE INFORMATION IVE REQUESTED. I have taxes due, and also need my financial history to get that done. You abruptly closed my account denying access to bank statements. Shame on your unscrupulous business practices.

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 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: TN

Complaint narrative:
Google pay will not reverse a transfer from my bank account for a transfer i have never received. And now they claim my bank account has " been disconnected '' from my account even though it hasnt. Every time i contact support im directed to a XXXX XXXX XXXXXXXX that barely speaks english

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