vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: 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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-15 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: TX

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 non-monetary relief
Consumer complaint received 2024-04-15 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: MS

Complaint narrative:
See 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently found out i was on the XXXX XXXX XXXX  i went thru the process of get my report. I made account so that i can upload the information so that i can dispute this bank of America and XXXX XXXX XXXX XXXX, these accounts were fraudulently opened. These accounts were opened and over drafted. But these accounts were fraudulently open with out my consent.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-15 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: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
My identity was used to open accounts without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime Regulatory Member Relations Team responded and closed my initial CFPB complaint which was based on Chime employees turning the XXXX XXXX XXXX account feature off, this caused an error that made my Chime credit builder account miss a payment. Chime responded to the first complaint, by stating that they submitted an update to the three credit reporting agencies, and that I should look for the update on my next months reports. Chime also advised me to contact Chime Member Services at XXXX if I feel they didnt resolve the issue. I did just that. They only resolved the issue with XXXX. As they removed the late payment error and brought my credit report back to good standing, but they didn't make the same update to my credit reports with the XXXX or XXXX credit bureaus. Actually, Chime gave different update information to all three credit bureaus, as when I called XXXX, they explained to me that instead of removing the late payment error, instead Chime requested the complete deletion of my Chime credit builder account on my XXXX credit report, and the account is no longer being reported. This is wrong, as I have proof of Chime first removing the late payment error and updating my XXXX and XXXX credit reports to a positive score of XXXX on XX/XX/2024, but then shortly after on XX/XX/2024, they updated my credit reports back to a negative reading with XXXX by adding the late payment error back to my credit report. As far as XXXX goes, again, they deleted the Chime credit builder account from being reported on my XXXX credit report. I contacted a Chime supervisor named XXXX about the issue and he told me he couldn't do anything to help me, and that I should wait for a response from their internal department. However, the Chime internal department has never contacted me. Actually, this isnt the first time Chime told me they were escalating the issue to their internal department and I should wait for their email response, which they never sent me before. Why would they do this to a good credit consumer? This is so frustrating. They lied about updating my credit reports. Whats going on? Is my Chime credit builder account supposed to be in good standing as they did on my XXXX report, is it supposed to be a bad reading as they did on my XXXX report, or is it supposed to be removed from my credit report as they did on my XXXX report. How are they allowed to make three different updates? I don't know what to do next. I may need to complain to the State Attorney General 's office, if they don't take accountability. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to use the prepaid gift card at many locations for much less than the remaining balance and all have been declined by AMEX - online and in-person. I have tried to use at least on 10 occasions with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: IN

Complaint narrative:
Prince Parker and Associates is reporting that I still have a debt from XXXX XXXX in my name and I do not. That debt was transferred to XXXX XXXX XXXX XXXX in XXXX of XXXX. I paid the balance with them in XXXX of XXXX. I even attached a copy of receipt of payment made to them on XX/XX/XXXX and Paid in Full letter that was provided by XXXX. XXXX XXXX had been notified prior to me paying the bill that they did not own the debt as I made attempts to dispute the balance before I paid it. But refused to remove their reporting. As of Today XX/XX/XXXX, I am still getting emails stating that I owe them. As of today XX/XX/XXXX, XXXX XXXX is still reporting negatively on my credit report that they are the owners of said debt and that said debt is outstanding and this is an incorrect reporting. I demanded several times that they remove this incorrect reporting as they are not the correct owner of the prior debt and said debt obligation has been paid in full as of XX/XX/XXXX. Again, I provided the receipt as proof of payment as well as paid in full letter from XXXX XXXX XXXX. XXXX XXXX acknowledge that they received the information. They even acknowledged on the phone with me today that the account has been closed on their end since XXXX of XXXX, and " Withdrawn '' on their end since XX/XX/XXXX. They even provided me the contact information for 2 mangers who didn't answer their phones and neither had voicemails setup. The advised me that even though everything on their end shows that I do not have a balance with them, that they could not send me information about my account being closed with them. Also said that I had to send all of the receipts and paid in full letters AGAIN, requesting that they don't not contact me again. When asked how this could help me, the rep advised that was most of the service they could provide. Which does not really help because It's still on my credit and as of today, they are still sending me emails saying that I owe them a balance! I sent another email with all of the information, I even sent their email with the date and time stamp on it, with them requesting payment, asking them to remove the negative information from my credit, close the account, send me information showing that they have closed and corrected the information, and to stop contacting me. Customer service could not confirm that this would be enough to correct my issue.

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 2024-04-15 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: TN

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 
see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 
see attachments

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 2024-04-15 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 see this in my email for a XXXX loan that I did not get or use, so I tried to call but can't get in touch with anybody. Like I'm on the do not call lists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Issues : - Nelnet took 3 months to process my application during which time I accrued a huge amount of interest. Borrowers should be able to recoup this as they are not at fault. 
- I was wrongly placed in REPAYE instead of XXXX by Nelnet and had to reapply for XXXX. 
- Under the XXXX plan my payments are {$1200.00}. 
- To date I have paid a total of {$150000.00} - a more than I originally borrowed ( {$100000.00} ). 
- I have been in repayment since XXXX and have never defaulted. 
- I am unemployed and have XXXX income since my XXXX benefits expired in XX/XX/XXXX. 

Details : I applied on XX/XX/XXXX for a new XXXX plan. I waited on hold for over XXXX hours to talk to a Nelnet representative as the information on how to apply for the XXXX plan was unclear. I was walked through the process with the Nelnet representative and submitted the application while we were both still on the call. I was not given an option to select the XXXX plan on the application, instead it stated that the plan would be chosen by my student loan servicer. The Nelnet representative assured me that I would be placed in the XXXX plan. 

On XX/XX/XXXX I received an email from Nelnet stating, Your IDR Plan is effective on XX/XX/XXXX for up to 12 months. Your monthly payment amount for your qualifying loans will be {$0.00}. There was no mention of which XXXX plan so I wrongly assumed I was in the XXXX plan. After some digging I discovered I was in XXXX, not SAVE to my surprise. I reapplied on XX/XX/XXXX and this time I was given the option to apply for the XXXX plan. I received an email on XX/XX/XXXX stating, Your IDR Plan is effective on XX/XX/XXXX for up to 12 months. Your monthly payment amount for your qualifying loans will be {$1200.00}. 

I have been unemployed since XX/XX/XXXX. In XX/XX/XXXX my XXXX benefits expired and I have XXXX income. My health continues to suffer and while I really want to get back to work I can not estimate when that will be. 

I called Nelnet on XX/XX/XXXX after the plan came into effect on XX/XX/XXXX and I could indeed confirm that the monthly payments were {$1200.00}. The representative confirmed that the payment should be XXXX based on my circumstances but after some time on frequent hold, I was informed that the case was being referred to another team who would investigate and respond, usually within a XXXX day timeframe. I was advised to not make payments and that my credit would not be affected. To date, Nelnet has not responded. I have received several emails from both Nelnet and the XXXX Department of Education informing me that I am past due and that I need to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
During the last quarter of 2023 I had to redo my contract with Nevada State Bank out of XXXX Nevada. I requested a loss mitigation process which I was approved for. Since I've been repaying my loan based on their terms, I have NOT received one statement, nor can acquire a statement on what I'm paying. My payments have gone up to about {$400.00} dollars a month, but every time I pay it appears they are adding around {$800.00} a month to my account. With these current terms it appears that there is no way that I will every pay off this loan. I was told that they can foreclose on my home if I also did NOT pay about {$8000.00} dollars to their lawyer for lawyer fees. When I asked for a breakdown of what I was paying in XXXX of XXXX they did not and would not provide me this information. Then in XXXX I asked for this information again. I also noticed that since I last asked in XXXX that my loan amount went up another $ XXXX dollars even though I was paying my required monthly payments. When I was finally given some sort of information on what I was paying I received a typed-up summary from the lawyer with a section that said $ XXXX dollars as being " OTHER EXPENSES '' I find it hard to continue paying under these terms and unfair that I'm not explained in detail by being provided a statement. I have NOT received a statement in over a year and I feel that filing XXXX is my only option to stop these unfair practices that XXXX feels is OK to put me through.

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 2024-04-15 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:
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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief