vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.

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 2023-09-25 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: FL

Complaint narrative:
My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all 3 major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.

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 2023-09-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID

Complaint narrative:
To whom it may concern. 

On XX/XX/XXXX I was checking my credit as I regularly do and noticed one of my scores was XXXX -- that would be a 30 % decrease in my score in a matter of months with XXXX activity on my part. 

Upon review, it turns out that a XXXX Infinity was purchased and ultimately repossessed, auctioned and sold. The account, charged off. That charge off is what is on my credit along with the late payments from the auto. 

With that, XXXX shows an account # XXXX in my name XXXX XXXX and my ssn but not my Idaho address. The account shows at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove and repair my credit report to the good standing it has been for 22 years. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have called the SPS service center several times in the past few weeks and as of XX/XX/XXXX the XXXX XXXX XXXX is still showing that the taxes have not been paid ( at the time of this writing XX/XX/25 I have paid the taxes out of my own account plus the penalty ). Per my conversation with the last agent, they advised me to send this letter via fax and email ( which I have done ). Since SPS is escrowing my taxes and responsible for paying my taxes on time, it is SPS responsibility to pay the interest due for being late. Taxes are due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the letter showing that the taxes are late, a copy of the tax statement from XXXX XXXX and a screen shot showing the interest for the delinquent taxes as of XX/XX/XXXX. I have also requested a release from my escrow account since SPS is not servicing my account as needed. I own several properties and others in the past and have never had any of my mortgage companies pay taxes or insurance late. I want a response within ( 5 ) business days or I will send this to my attorney ( they have yet to respond ). My contact information is listed below. I have emailed, faxed and uploaded this letter to my documents to SPS website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: IL

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-09-25 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a credit card issued by Citibank, i.e. Citi Simplicity. 

Citibank offered a Promotional rate of XXXX XXXX XXXX expiring XX/XX/XXXXXXXX  In XX/XX/XXXX, I took advantage of this offer and charged transactions totaling {$5000.00} A balance transfer offer was extended. 
Citibank offered a Balance Transfer offer of XXXX XXXX XXXX expiring XX/XX/XXXX On XX/XX/XXXXXXXX  I took advantage of this offer and made a Balance Transfer of {$5200.00} + 5 % one time fees of {$260.00} My intention was to pay off the Promotional transactions in their entirety before the expiration date ( XX/XX/XXXXXXXX  ), so that would leave ONLY the balance transfer to be paid off by XX/XX/XXXX. 

I made a {$2500.00} payment on XX/XX/XXXX, intending to make a subsequent payment by XX/XX/XXXXXXXX  to bring that balance down to XXXX. 

I contacted Citibank after making this payment, and was told that my payments would go FIRST to the LOWER RATE ( XXXX  % ) balance, and once that balance was paid, then payments will go to the next higher ( XXXX  % ) rate. 

I feel that Citibank should NOT be offering promotional rates/balance transfers where there is an UNFAVORABLE application of the payments made by the cardholders. 

Citibank offered me a balance transfer that clearly I intended to pay by XX/XX/XXXXXXXX  If Citibank had been transparent and explained this in BOLD LETTERS and not in footnotes, I would have had RELEVANT information that would have helped me make INFORMED decisions. Hard to believe that the Federal Government lets them get way with this. 

Thank you. 

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 2023-09-25 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:
These accounts were reported in my information and are not mine XXXXXXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}

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 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Upon pulling my credit reports in XX/XX/2023, I noticed that there was a collection account listed by the name of National Credit System in the amount of {$1800.00}. I sent a debt validation letter pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via certified mail per this account does not belong to me. The tracking number for this letter is XXXX. The letter was picked up by an individual on XX/XX/2023. It has been over 60 days I have not received a response regarding my debt validation request. A copy of this debt validation request was also sent to the Federal Trade Commission. Since they have not replied to my request and I can not get anyone at their office to give me an answer, I demand that this erroneous account is deleted from my credit report per it does not belong to me. As stated in my letter, fail to respond to this validation request within 30 days from the date of their receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately per the FCRA. As of today, this has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I lost my debit card on or before XX/XX/. I reported my card lost/stollen when I returned home from my XXXX XXXX. reviewing my online account, finding unauthorized transactions, I notified Chime immediately of the loss of monies. The total amounting in XXXX, which XXXX of that amount was a cash atm withdrawal which should have been returned immediately under Regulation E. After contacting Chime multiple times, I was not given any contact information, case information on the claim or resolution. I explained it was a lost/stollen card and all transactions that were completed while the card was not in my possession should be returned immediately. Chime failed to return my money and kept filing this issue as a merchant dispute rather than a fraudulent unauthorized charge. Chime never investigated and closed my claim several times with no resolve and no monies returned. I contacted FDIC which responded with information on XXXX who oversees XXXX and XXXX. In closing I would like to include a conversation which took place over the phone with someone who described themselves as a representative to the their dispute team and told me I would receive and see those charges returned in my account with in minutes, and it never happened. When I called the next day to check on the status of this conversation, the chime employees said that there was no notes or knowledge of the person I spoke too. Attached documents shows Chime would return the money by XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Last year, I set up autopay on an account. I was having issues doing so online so I called in and got some help to set it up. Apparently, it was set up to the wrong account and was pulling from the savings monthly instead of the checking account which was my original intention. This led to a payment this year being returned due to insufficient account balance in the savings account. The payment is so small, {$61.00} a month, so really making this payment is no problem for me at all. I called after I found out the payment did not go through and immediately made the account current as I have a perfect payment history on all my accounts. I had the agent switch over the auto payment system to my checking account. I thought that by the following month, it would have the subsequent payment go through as well. I also found it really misleading for the app to say XXXX XXXX and then for the payment not to be activated for the following month, leading me to think everything was good and no additional action was needed. 

I want to write in to ensure that the 21 month period 0 % APR extension offer will not be withdrawn and will be honored for this account since it seems there were some misunderstanding and confusion regarding the auto payment system that caused these late payments, rather than a lack of sufficient funds.

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 2023-09-25 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: MD

Complaint narrative:
Termination letter Dear XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the XXXX under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX  Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXXXXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXXXXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX XXXX  Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX  Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX  date opened - XX/XX/XXXX account name - XXXX XXXX XXXX XXXX Account XXXX - XXXX date opened - XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.

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 2023-09-25 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: MD

Complaint narrative:
Termination letter Dear XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account and reversed all my fraudulent claims. Did that and didnt tell me why or give me a chance to remove my funds. I have over {$500.00} that is owed to me and I need to contact XXXX to help assist with these claims.

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 monetary relief
Consumer complaint received 2023-09-25 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: MD

Complaint narrative:
I started receiving several emails about a Chime bank account being opened. I authorized no such thing, nor did I open a account at any time with Chime. When I called the customer service number the lady asked to verify my information but did not seem to care that I was trying to tell her that I never opened any account with them. She said the account was closed and it would be escalated, but she was not specific as to what that meant. I want my personal data information removed from their system. Someone got ahold of my personal data and opened a checking account and Chime was just ridiculous about giving the impression that this happens all the time and telling me no resolution aside from that they will escalate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/2023, I faxed a debt validation letter to Medical Data Systems. Although the letter was successfully sent to all of the numbers, this company did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
Creditor account number XXXX. Letter from afni ( account number is XXXX ) with a balance due of {$80.00}. It is dated XX/XX/23. It claims I owe money on a XXXX account. It has been over 4 year, if any, that my cell phone was with XXXX and much longer than that that I have had a cell phone at this address. 

This is nothing I owe. There is no other identifying language. There is an offer to discount the amount to {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
Hi, My loans were transferred over from XXXX XXXX to Mohela because I am under XXXX and also under XXXX. Initially I was told that my payments would return to my pre pandemic payments which were {$73.00} until I have rectify the earliest which would be sometime next year. This was being reflected on my Mohela page as well. Today I logged on to see that my payments would be over {$4000.00} with a date of XX/XX/XXXX. This is extremely frustrating as a consumer and I have been on the phone for over an hour without an answer.I have attached documents of my old statement from XXXX and also what I saw on MOHELA today. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation