vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 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: MA

Complaint narrative:
Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.

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 2023-11-05 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: MA

Complaint narrative:
Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: MA

Complaint narrative:
Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
My complaint is actually with CFPB. The last few disputes were in regard to Commonwealth Financial Systems who is misrepresenting the date of the debt. They posted the date that they opened the account when purchased from a Broker, not the actual date of service. If you look at other disputes, XXXX XXXX XXXX XXXX XXXXXXXX? ) and XXXX XXXX removed two debts from the same company once the age of the debt reached XXXXXXXX XXXX, as the debts were from a XXXX XXXX XXXX XXXX XXXX 
This debt originated from the same practice, original collection agency was XXXX. Commonwealth is using misleading and inaccurate information, since the date of service was XX/XX/XXXX, not the date they are using, XX/XX/XXXX. I have asked repeatedly for the correct date to be on the report but was refused, and CFPB is allowing them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim XXXX XXXX XXXXXXXX As you are aware, I fXXXX XXXX to identity theft, a distressing experience that compelled me to file a police report. Subsequently, I submitted this report along with my XXXX XXXXXXXX XXXX XXXX Bank of America, as requested, to substantiate my claim of fraudulent activity on my account. Despite my efforts to provide all necessary documentation, I have been met with continuous denials, leaving me in a state of disbelief and financial hardship. Bank of America NEVER sent me sufficient information or documents on why they continuously deny my claim. 

I am currently undergoing my third reevaluation process with Bank of America, during which I have provided all the relevant support documents. Regrettably, each time I have been denied the rightful refund of my hard-earned money. This situation has not only left me financially strained but also humiliated and dejected. 

I would like to emphasize that every transaction totaling XXXX  on my account was unauthorized and made without my consent or knowledge. It is disheartening that my appeals continue to fall on deaf ears. I had placed my trust in Bank of America to safeguard my financial assets, and it is disconcerting to feel like the bank is, in essence, robbing me of both my dignity and my 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 explanation
Consumer complaint received 2023-11-05 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: Possible Financial Inc
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off Account Possible Financial Loan # XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Velocity Portfolio Group
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off Account Velocity investments LLC I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors. 
3. Do not sell or transfer this debt to any other third party. 
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Re : New XXXX  Card Account Without My Knowledge On XX/XX/XXXX and also a day or XXXX previous, XXXX  I called my Citi XXXX ( XXXX ) and wanted an additional card for my daughter ( on my existing credit card ). 

Both days the representative said they needed my daughters SSN and address and I balked, asking why do you need this information when I am responsible? No answer given. I gave them the information because I thought that was the procedure to add another card holder to my own account. 

A few days later, a new Citi credit card was sent to my daughters address which included a XXXX card for her and me and I learned that she was the major card holder! This is fraud and adds up to the necessity for these banks to add new customers to brag to their XXXX and XXXX XXXX XXXX. 

I finally threatened them with closure of my account and they sent me a credit card with my XXXX name on it. Then I wanted to close the fraudulent account ( I never activated the cards ) and to make it difficult to close the account, they said they needed to talk to the primary card holder!

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 2023-11-05 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:
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.

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 2023-11-05 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:
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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:
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.

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 2023-11-05 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: PA

Complaint narrative:
I had two hard inquiries on my credit report from 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 explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
I have a XXXX account that was open in XXXX XXXX and I was incarcerated at that time I would like for it to be removed. I also have something called, CONSUMER PORTFOLIO SERVICE, the address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was incarcerated at this time. I also will like to dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also incarcerated at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX I was incarcerated for this too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: PRANCER CAPITAL CORP
State: NJ

Complaint narrative:
I have a XXXX account that was open in XXXX XXXX and I was XXXX at that time I would like for it to be removed. I also have something called, XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was XXXX  at this time. I also will like to dispute PRANCER CAPITAL CORP  XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also XXXX at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX for this too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
There is no Signed Legal contract between myself and the Aidvantage has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime, XX/XX/XXXX XXXX XXXX  ATM fee {$6.00} ( {$4.00} ATM Fee, {$2.00} Chime fee ) The Chime app directed me to this address : XXXX XXXX XXXX XXXX There is an ATM there. 

The address of the ATM : XXXX XXXX XXXX XXXX There is no difference in the physical location of those two addresses. 

I contacted CHime to complain about the fees, Chime was unwilling to discuss the {$4.00} ATM fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed XXXX between myself and them. Therefore these false information should be removed from my credit reports immediately

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 2023-11-05 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: FL

Complaint narrative:
There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : LXXXX XXXX XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meade & Associates, Inc.
State: IN

Complaint narrative:
Almost daily phone calls from the debt collectors even after I told them to quit contacting me. I asked them to provide me proof that the debt was mine and they couldnt. They still nonstop call me.

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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/, I received an email notification from Chime Bank that I had opened a new checking account, when I did no such thing. 

I calling Chime, I had to provide personal identifiers before anyone would disclose details about this fraudulent account. Chime advised me that I had to file a Complaint with the FTC to report my ID theft first, then they would release info. I provided them with this, yet they still have not provided me with any account opening documents, or anything else related to how this account was opened. 

Finally, I have also found out that there is likely an additional, fraudulent bank account Chime opened in my name, after I had already disclosed that the false account was opened. I again am asking Chime to close this account, and lock its service from opening new accounts, however I am weary that this institution is unreliable and will continue to allow fraudulent accounts to be opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
On XXXX, MOHELA suddenly changed my student loan from SAVE to LEVEL. I have been on REPAYE for years because I am working toward PSLF. I received a letter saying my loan had been put on LEVEL ( aka Standard ) but the letter did not give a reason. I filed a complaint and refiled for an IDR ( even though I have an approved IDR from XXXX ). I looked on studentaid.gov and what loans qualify for SAVE and mine do qualify ( Direct/consolidated/unsub ). 

I searched the internet to see if this had happened to others and there is an entire XXXX XXXX of others detailing this same problem. 
XXXX XXXX XXXXXXXX XXXX

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