vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: AZ

Complaint narrative:
Chime.com I received a few emails said congratulations on a new account being opened, even a debit card being sent to an address ( not mine ). I called the company to report that I didn't set this up, it was someone from XXXX, and wanted to get more of my information to confirm the account was indeed mine, this gave my more concerns and I told them I wouldn't share anymore information to just cancel the account because I never opened it. All they said is they would close the account associated with my email? Not sure if that worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-26 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: NV

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were XXXX additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called XXXX, XXXX, and Equifax to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request. 

I am submitting a second report for Equifax specifically because for some reason unknown to me there were several more recent unauthorized inquiries on my Equifax report that were not on my XXXX or XXXX report. I am unsure why these inquiries are only on my Equifax report but I have listed the unauthorized inquiries below that I need to dispute. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

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. 

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  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 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: TN

Complaint narrative:
I am sigue agent branch XXXX and I made two extra deposits to my agent money transfer account on XX/XX/24 for the amounts {$1000.00} and {$12000.00} which come to {$13000.00}. I will need a refund check for that amount sent to my business. I am also owed commission for the past three months that I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
This grumbling to XXXXXXXX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and 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 non-monetary relief
Consumer complaint received 2024-03-26 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-26 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: U.S. BANCORP
State: OR

Complaint narrative:
There was an incident yesterday at the US Bank in XXXX, Oregon - the downtown XXXX location ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ). I am asking for someone to address this matter because I believe the bank tellers are responsible for my now ex-boyfriend stealing close to {$3000.00} from me. I called XXXX and three officers with the XXXX Police Department responded. A lot of what happened was recorded due to the officers having body cam footage. 

The bank tellers at this branch location are well aware of the fact that I receive a large check once a month for the work I do as a court-appointed attorney. The consortium I work for does not have direct deposit, and since my bank XXXX XXXX XXXX XXXXXXXX ) puts a hold on my check for approximately one week, I try to get the check cashed at US Bank since the check I receive is a US Bank check. I used to have an account with US Bank, but for whatever reason, I have been unable to open an account again. 

Because the monthly check I get once a month is so large, the bank never has enough cash to cash the check for me. The only way we figured out how to help me cash my check was to have my now ex-boyfriend open an account so that I could sign over my check to him, have the check deposited into his account, but then the bank tellers could write cashier 's checks for me so that I could get my money back and be able to pay my bills, business expenses, etc. This was the third month in a row where I signed over the check to my now ex-boyfriend WITH THE EXPECTATION that the bank tellers would write me cashier 's checks for all of my money. THEY NEVER TOLD ME THAT IF I AM DEPOSITING MY CHECK IN MY EX 'S ACCOUNT THAT I HAVE NO SAY OVER WHAT HAPPENS TO MY MONEY. What happened yesterday almost resulted in me losing close to {$19000.00}. As soon as the check was deposited in my now ex-boyfriend 's account, he left the bank in an attempt to get away with all of my money. I thankfully ran out after him, yelling and screaming, and told people to call XXXX. I eventually got my ex back into the bank and three police officers showed up to address the issue. 

NONE OF THE BANK TELLERS WOULD EXPLAIN TO THE OFFICERS THAT MY EX HAS NEVER BEEN ENTITLED TO MY MONEY. I am appalled that when I asked them to tell the officers that what my ex was doing was never authorized by me, the bank tellers ignored me. The only reason my ex has been involved is to help me access my money quickly- the money is NOT his. Had it not been for one of the police officers trying to reason with my ex, I would have lost all of my money. My ex only agreed to give me {$16000.00} of my {$18000.00} check. This is wrong and I want US Bank to pay me back the money that is mine that my ex stole from me, aka {$2600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2024 at XXXX XXXX XXXX I tried to transfer money via Bank of America XXXX payment app to XXXX XXXX XXXX XXXX  for {$1000.00} ( Conf # XXXX ). By mistake It went to another person because the cell number I typed in was wrong by one digit. 

Bank of America unable to credit it back or help from their end saying that everything was done correctly at their end. Eventhough the name I typed in was not used by the bank to verify the name of the account where the money went to, bank unable to provide any info on the person who actually received the money. 

I feel like Bank of America 's XXXX app service not providing enough information for user to verify before secure transfer on their website. It is not providing any security or assistance for any software related issues resulting in correct transfer of money.

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 2024-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Attended the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. Received both federal and private loans. Loans originated from Sallie Mae but are now serviced by Navient.

My federal loans will be forgiven under Borrower Defense to Repayment under the XXXX XXXX XXXX settlement. The Department of Education has admitted that fraud exist, along with countless lawsuits from State Attorney Generals, and the Department of Justice investigations/lawsuit into XXXX, who was the parent company of XXXX at the time I attended school. The DOJ investigation found that XXXX had a boiler-room style sales culture in which recruiters were instructed to use high-pressure sales techniques and inflated claims about career placement to increase student enrollment, regardless of the applicants qualifications. 

These loans were the direct result of fraud, misrepresentation and deceit including, but not limited to, false claims about career placement, false claims regarding job placement statistics, predatory and high-pressure sales tactics, misrepresentations about the cost of a degree, and misrepresentations about the value of a degree from the XXXX XXXX XXXX XXXX. 

Navient is obligated to cancel these private student loan because of the Holder Rule, which makes all current " holders '' of an initial loan responsible for any fraudulent misrepresentations made in the selling of the product. The FTC has stated that student loans are within the scope of the Holder Rule. The Department of Education also has regulations applying principles similar to the Holder Rule to many federal student loans. For private loans, the borrower may be able to cancel existing debt if a school fraudulently induced the student to enroll and had some relationship with the lender. It's important to note, that XXXX was the guarantor for one of my private loans at this college. 

The CFPB also found that lenders are misleading some borrowers and keeping them in repayment for debt they do not owe. The CFPB found that lenders ignored consumers claims that the FTC XXXX XXXX allow private borrowers to bring a claim against their school to their lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastpoint Recovery Group, Inc
State: NJ

Complaint narrative:
Getting XXXX emails about trying to negotiate the bill. Advised them I was out on XXXX and was not getting much in income wise from XXXX. That I would contact them when I could about setting up a payment plan. 

Threatend to automatically garnish wages in the first call if I didn't put down an exuberant amount of money. Settled on the second call for about {$XXXX} even though I didn't really have that much to " keep it in hardship. '' I felt backed into a corner because I told them in the initial call I couldn't do a whole lot. 

I wish I had ALL of the emails but did not realize they were coming in daily until XXXX and started saving them from that point on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: OK

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXXXXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have Chime disputed with XXXX twice XX/XX/24 and XX/XX/24 there both saying that the account is still active I have the checking account and credit card builder, I have looked them today XX/XX/24 and the person I spoke with says the the account is closed but could be reopened, and there isnt any way to permanently close it, so they have my data, my social security, my address, my phone number, my email, and who knows what, have closed accounts and I never heard a thing where they cant permanently close an account, and could still be reopen, they make you feel trap because theres no way of getting away, I want everything closed permanently and have my credit score changed, I been reading online and a lot of other people are dealing with the same situation, this is a state wide problem, and Im reporting them and taking action, to whom may read this please look it this problem, thank you.

Company response to consumer: Closed with explanation