vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX/ ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I originally had my student loans with XXXX  XXXX and upon XXXX XXXX being acquired by XXXX, the servicing rights were purchased by XXXX. XXXX assigned servicing rights to XXXX. I am on maternity leave and currently not working with XXXX children now under XXXX XXXX XXXX and unsure when I will return to work. I had deferment options with my original lender and servicer, but when I called XXXX was told that I was only eligible if I qualified under natural disaster and that if I could not pay them $ XXXX per XXXX, they would report the payment as late to the credit bureaus. I feel stuck because if I refinance then I lose my low rate, but I can not pay so it seems like my only option is to miss payments and destroy my credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: Kriya Capital, LLC
State: NY

Complaint narrative:
After reviewing my XXXX consumer report I noticed a collection that shouldn't be reporting. The collection is from Credence Resource Management collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing XXXX as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding Credence Resource Management has 48 business hours upon receiving my dispute to stop any form of communication within the 30 day validation period. Communication being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. Credence Resource Management HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. XXXX also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to Credence Management Company along with certification it was sent and the return receipt showing it was received also. Certification of my XXXX letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Transunion to have the items fixed XX/XX/XXXX and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm challenging inaccurate Inquiries listed below. 

( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-02 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be 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 2024-05-02 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: NY

Complaint narrative:
I am following up on my recent complaints via the Consumer Financial Protection Bureau ( CFPB ) regarding my request to remove several negative accounts from my credit report.

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 2024-05-02 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-02 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I received an American Express gift card from my place of employment that was purchased on XX/XX/24 in the amount of {$500.00}. The gift card keeps getting declined at several merchants ( online and in-person ). The phone number on the card doesn't reach a live person and I have tried logging into the website on the card ( ) AmexGiftCard.com/Balance ) and it keeps giving me an " Error. Try again in a few minutes '' message. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chased closed my account and didnt let me withdraw my money, they said i cant go to the bank either and they will send me a check in a month which is way too long

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage was sold on XX/XX/2024 to Mr. COOPER. My payments are due on the XXXX of each month. I have tried logging into my XXXX account for two days to make my payment but I keep getting funneled to Mr. COOPER. Mr. Cooper will not allow me to generate or start a new account to make payments. I have tried reaching out to customer service but I can not get past the automated system to get to a human being. The automated system doesn't recognize my social security number or account number. I keep getting hung up on or kept in a relentless loop of asking for my social security number. I think it's highly unprofessional to not have an option for customers who are in a mortgage transfer process they DID NOT ASK FOR to speak to a human being about the next steps in their loan. What if I didn't check my email? How would I even know? I haven't even received a statement from this company. IXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRSTBANK
State: AZ

Complaint narrative:
XX/XX/XXXX I called the bank as I was a late on a cc payment and wanted to know the amount to pay and if I paid that day I would not be 30 days late. She gave me the amount and said I have 10 days to pay the amount XX/XX/XXXX I paid the amount the same day XXXX. 
XX/XX/XXXX I got notice I was 30 days late, so I looked at my banking and I did send the amount but it went to the same bank mortgage department and not the XXXX department XX/XX/XXXX I called immediately told them what happened and she asked if I wanted a refund since it went to mortgage I said no keep it I will pay again so paid XXXX to pay again in full. 
Honest mistake XX/XX/XXXX got a notice my cc was closed. I had conversations and have had this account since XXXX and mortgage since XXXX with no late payments. I talked to reps the entire time correcting the issue and they still put 30 days late and closed my account. 
I think unfair treatment as honest mistake on a banking app. 
XX/XX/XXXX Had credit pulled and realized they did not take off the 30 days and closed the account. 
XX/XX/XXXX I went in the bank talked to a XXXX all he did was call the cc line and tell me too bad they know a honest mistake but will not do anything. I just want the 30 days removed as they received the money before 30 days in full and I said I can pay the balance if they do not want me as a customer. 
He said will have someone call me and paying the balance would not clear the 30 day late. 
XX/XX/XXXX XXXX their collection department called me and XXXX care said no will not reverse, agreed was an honest mistake so I asked can they least reopen the account and she said no. 
My complaint is this bank GOT the money on time they even admitted they got the money on time. So why close my account and why not take 30 days late of my credit report since they got the money before 30 days. I always pay my bills can look at my credit report I do not deserve this bad mark on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
I have been disputing items on my credit file for over 6 months now and have not got a solution. The CREDIT BUREAU, does not acknowledge the government issued identity theft report I sent in over 3 times for the same accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ALSO XXXX XXXX XXXX DOES BUSINESS UNDER NAME XXXX XXXX XXXX and this company will put debt on credit file after its been deleted under the opposite business name THIS CREDIT BUREAU has allowed this company to continually report to my credit report after I have informed them that this is not my item and it is identity theft. THIS CREDIT BUREAU HAS VIOLATED MY RIGHT FCRA USC 1681. 
THIS CREDIT BUREAU has not acknowledged my request to block these creditors, after repeated demands. 
THIS CREDIT BUREAU HAS VIOLATED MY RIGHTS ACCORDING TO FCRA, allowing knowingly false information to be tied to my credit file THIS CREDIT BUREAU DID NOT INVESTIGATE PROPERLY ONLY TOOK 2 days for dispute to complete

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 2024-05-02 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:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/2024, my Moneylion account was taken over by a fraudulent criminal. Based on previous use, I would request an instant cash of {$100.00} a day and have never transferred funds to another Moneylion user. The transaction that occurred resulted in the fraudulent individual requesting {$1000.00} in instant cash and additionally requesting a XXXX XXXX  loan of an additional {$1000.00}. This would be unusual in any event, but extremely suspicious based on my normal usage. After contacting Moneylion directly, and creating a fraudulent claim, Moneylion stated the transaction was authorized by the user which is complete false. The representative who assisted me in customer service reviewed my account history going back to a year and noticed my normal usage patterns. The outcome of Moneylion 's investigation is asinine at best, and fails to protect me as a consumer of their products.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase identify 1 of 3 fraudulent translations, blocked and closed my card. There are still 2 other transactions from the exact same merchant. Chase is saying I have to wait 1 to 3 business days ( so up to 5 days since it is Thursday ) until they can address and refund the money. I am unemployed, that {$50.00} is food and gas for a week for me. 

They caught 1 fraudulent transaction from the same merchant, I don't understand how the other were also not blocked, from the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: MD

Complaint narrative:
I am paying too much they keep taking money from my account, now on XXXX I amde a payment and they keep calling, texting, and emailing me that I have a past due amount I have repeatedly explained that I already made a payment and send them the Statement from my Account that shows I made a payment ontime they are still bothering me and keep telling me they will report for Credit bureau I am so stressed I really need help Best Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I was told to send a dispute request XXXX by a Nelnet rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the 3 past Student loan accounts that were transferred XXXX to XXXX XXXX  XXXX These accounts are still showing up open on my XXXX credit report & 1 account for ( $ XXXX ) is still reporting open on XXXX XXXX The other 2 accounts have been removed on XXXX & all Nelnet Accounts have been removed completely from the XXXX report. 
I have been disputing these error for 6 months & the bureaus are making it very difficult because when they send a dispute to Nelnet to verify if these accounts are accurate, at the time of XX/XX/XXXX, Nelnet credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with Nelnet & this allows the account to stay on my reports. I have requested several times to XXXX XXXX XXXX to please ask Nelnet if the loans were transferred to XXXX XXXX  & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to XXXX XXXX XXXX the transfer letter & the recent letter I received from Nelnet XXXX & they still won't remove the old loans. Both XXXX XXXX XXXX are violating my rights & it's against the law to report inaccurate information on your credit reports. XXXX stated they need a letter directly from Nelnet stating the loans were transferred & no longer opened & I no longer have a balance with Nelnet. The last rep. I Spoke with Nelnet ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX  XX/XX/XXXX & no longer opened. 
XXXX XXXX XXXX act like they never received that info. I'm requesting Nelnet to report to XXXX XXXX XXXX these accounts were transferred & are NOT opened & for Nelent to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with Nelnet any more & please remove these accounts. 
I have included a copy of my credit reports from XXXX XXXX XXXX, showing the Nelnet accounts are currently still reporting open to these credit Bureaus. I also included the letters Nelnet provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.

Company response to consumer: Closed with explanation