vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Account being reported as late payments but has been charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
XXXX XXXX XXXX Bank Account Number - XXXX I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This collection account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-05-23 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: SC

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 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 XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank decided to close my account and block my access from one minute to another, XXXX XXXX XXXX  and have no cash access they are withholding my funds and not giving me reason as to why or allowing me to access my funds to be able to eat and pay me rent I contacted the executive response unit and obtained a case number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: OneMain Finance Corporation
State: OH

Complaint narrative:
I did not give permission or authorization to open my credit report to XXXX  or one main.Ive filed identity theft reports and frozen my XXXX account to prevent fraudulent activities.Ive added black web sweep for extra security..I disputed with XXXX credit breua and let them know I didnt recognize companies or give anyone permission or authorization to use my information and I asked to be removed immediately because it hurting my credit score negatively I also noticed a address on my file that I dont recognize XXXX XXXX XXXX XXXX, OH XXXX witch I disputed with XXXX also that I want removed immediately also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
This is my second complaint about this company I found my original contract and the services they were suppose to provide were for my business XXXX XXXX XXXX they are saying that I requested services for my personal credit which is inaccurate I have documents as well to support my claim. This company is reporting I owe a balance on my personal credit which it should be on my business credit because thats what I was told they were going to do as well as I have documents supporting this. This company is fraudulent and they say they help people but end up hurting them in the process I want this company to remove this negative item off my personal credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed two accounts that were not reporting accurately. one was XXXX for XX/XX/year> and the other was XXXX XXXX on XX/XX/year> that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. Both accounts have not been late on payments and I've attached a copy of my report to this complaint on the following dates, I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MI

Complaint narrative:
I am a XXXX  enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, ON XX/XX/2024, I was talking to the collections department of this college about previous balances that I owed, the representative explained that there was a payment plan in place for me to make monthly payments which would begin at the beginning of XXXX, I agreed to the payment plan and gave the representative my cash app debit card number upon the agreement of monthly payments around {$200.00} a month. I later found out that my debit card was charged for the entire balance which is XXXX on XX/XX/XXXX XXXX. I called the school about that charge and they told me it was nothing that they could do because it was paid towards my balance even though I explained the initial agreement of the monthly payments for {$200.00}. I disputed that charge on XXXX XXXX as an unauthorized charged because I did not authorize that charge. On XX/XX/2024, I received a call from the college stating that the charge was filed as a unauthorized charge and that they will be returning the funds and replacing the balance of XXXX back to my student account. On XX/XX/2024 I received an email from cash app stating that my claim was denied. I then called cash app and asked why was the claimed denied, when the school said that they reversed that transaction and put the charges back on my student account for entire amount of XXXX. Seems unfair and predatorily wrong on cash apps behalf. if the funds were returned then that is my money how can my claim be denied if the money was returned. I have been using cash app for a long time, and they didnt even try to help me solve this matter any other bank would have went above and beyond to help a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: WA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX an email was sent out by the department of education, stating that because I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, my federal loans would be fully discharged due to the school being found guilty of engaged in unlawful conduct. During my time at XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I was told I would need to get a private loan because I was longer covered by the federal loans. At the time I was placed under some pressure to get the loans because a new quarter was going to begin. The school referred me to Sallie Mae, originally I was denied due to poor credit, I would later get approved after getting a co-signer. I would later get kicked out of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to longer being able to make payments to the school, I still had to pay the private loan which I did, made on time payments for the first 5 year, but the last 5 years were riddle with alot of life problems with sometimes having to choose to make the payment on time over taking care of my personal health. 

Below is a portion of the email, I will include a full screenshot in the attachment section. 

XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on Borrower Defense Evidence You have been approved for debt relief under the Biden-Harris Administration ! This is part of the Biden-Harris Administrations commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The U.S. Department of Education ( ED ) has determined that the federal student loan ( XXXX ) you received to attend XXXX XXXX XXXX  on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This letter certifies that I, XXXX XXXX XXXX , am a victim of fraud because of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a former employee with the XXXX XXXX XXXX . Recently, I filed Case # XXXX with XXXXXXXX XXXX XXXX because of a breach of my XXXX XXXX number. I received an alert on XX/XX/XXXX and again on XX/XX/XXXX. I called a XXXX  team member at XXXX and they verified a credit inquiry at Home Deport with Citibank. I have never applied for a line of credit at this store. In fact, I am in the process of rebuilding my credit and have not applied for new credit since XXXX. In addition, I am unfamiliar with the street address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. I reside in Florida. 

Please add this statement to my credit report. I am disputing all and future inquiries related to this information. I have established a credit fraud alert as preventative measure. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
" I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of idntity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''

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 2024-05-23 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: NY

Complaint narrative:
" I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of idntity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

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 2024-05-23 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: MI

Complaint narrative:
My husband and I have filed disputes with the credit reporting agencies because someone changed our address fraudulently with the US post service. This fraudulent address shows up on our credit reports at all three agencies. The agencies refuse to remove it, even though it was part of an identity, theft scam.

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 2024-05-23 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: MI

Complaint narrative:
My husband and I have filed disputes with the credit reporting agencies because someone changed our address fraudulently with the US post service. This fraudulent address shows up on our credit reports at all three agencies. The agencies refuse to remove it, even though it was part of an identity, theft scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hello CFPB, recently filed a fraud claim with Ally bank because i lost my debit card and they basically closed my account and refunded me {$24.00} out of the XXXX that was stolen from my account. All transactions happened at the same merchant, same time of day but they only credit me the {$24.00} from the fraud transactions and proceeded to withdrawal the other credits from my account. Not sure how this even makes sense when every single transaction happened at the same place literally. 

This banks customer service is actually really good but this is obvious fraud that needs to be looked at again, i refuse to let this go.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My wife passed and had accounts with Chime. I notified them of the death and sent all proper documentation. 
They said it would take 10-14 business day to process and refund the money I contact them starting XX/XX/year> and finally they accepted all data XX/XX/year>. it took them 4 days to respond saying they finally accepted the documents. 
Starting XX/XX/XXXX XXXX emailed them every day asking for update on funds return. Finally on XX/XX/XXXX they responded, below is the response. 

" It's me again, XXXX and I am reaching back to you regarding your mother 's closure check. 

I already received an update from our bank partners and it mentioned that they had that check return to them due to an entry error in the address. Rest assured that it has been mailed out again and you should be receiving it in the near future.

My sincerest apologies for the inconvenience and I appreciate your unwavering patience regarding this matter.

First they dont even remember this was my wife and calling her my mother.

Then as of today no funds have been received The amount owed is {$2500.00} USD I have sent a request and it has gone silent and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this 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 non-monetary relief
Consumer complaint received 2024-05-23 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief