vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: Nelnet, Inc.
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance XXXX ) ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance XXXX XXXXOPEN ACCOUNTS- <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$9000.00} <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$2400.00} ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act cXXXX XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: 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.

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 2024-01-26 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: 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.

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 explanation
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
Under 605B, the immediate removal of this account is necessary. I am deeply upset that it has found its way onto my credit history, and I sincerely implore you to eliminate this account, as it is not associated with 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 2024-01-26 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: MD

Complaint narrative:
RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - XXXX, Equifax, and XXXX . My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/year>, while Equifax reports the open date as XX/XX/year> and XXXX is reporting XX/XX/year> also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, XXXX and Equifax, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: MD

Complaint narrative:
RE : Discrepancy in Credit Report Listings XXXX  ( Account # XXXX ) ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - XXXX, XXXX, and Experian . My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and Experian is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, 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 2024-01-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Under 605B, the immediate removal of this account is necessary. I am deeply upset that it has found its way onto my credit history, and I sincerely implore you to eliminate this account, as it is not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The condition of my credit report is causing me significant distress, and my disappointment is profound. The situation is not just highly embarrassing ; it is evident that either you or the company is accountable for reporting this inaccurate information. My history reflects consistent on-time payments, and I have never missed a payment.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
They are saying i caused fraud which i did not ever

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please review the attached documents. I am requesting the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, despite my punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
XX/XX/2024 : I have received an email from chime.com informing me that my account is to be opened and a credit card mailed. 
XX/XX/2024 : I was afraid someone may take a control over that account, so I followed instructions and opened the account using my email address and then downloaded the mobile app. The credit card has been mailed to my old address that I moved from more than 10 years ago. 
XX/XX/2024 : Called chime support and was able to close my account. I have received no confirmation who requested the account nor how they know my social security number. 

Whoever opened my account has my name, social security number, address ( although the old one ), and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
I am making a complaint about Equifax. I will also include XXXX in this complaint because I have the same problem with XXXX. The reason I am making this complaint is because I found out that XXXX XXXX is furnishing inaccurate information on my credit report. On XX/XX/2023 I sent them a letter about this matter to Equifax, and XXXX. Equifax, and Equifax did not read my letter and has not sent me a response. Also Equifax is denying my right to pull my credit report. This is due to a data breach that has not been fixed. I put in a complaint about this matter and still have not resolved this problem. Regarding the XXXX XXXX account I did not dispute whether or not this was my account or if it belonged to me. I disputed the fact that reporting as a charge off is inaccurate. According to the IRS charge offs are considered income. Income doesn't get furnished into my consumer report, according to XXXX. Reporting as a charge off is inaccurate at the very least they must report as paid for less, or they must delete this account XXXX. Equifax is in the following federal laws. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681s ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
These are the responsibilities of a data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.

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 2024-01-26 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: MT

Complaint narrative:
I tried contacting them about responding to an education award request made through my XXXX  portal and they have no information regarding it or even see it on my account despite the fact that I called and checked with XXXX  before I called MOHELA and did confirm from XXXX  that the holdup was occuring on MOHELA 's end of things. I made this request almost a month ago ( XX/XX/XXXX ) with the hopes that my payment would go through before my XX/XX/XXXX deadline for resuming payments after my term of forbearance. They are attempting to conduct a " Payment refund research request '' which I don't know if that is even a real thing, since they wouldn't send me email confirmation of anything we discussed about regarding my loans and account. I have a conversation key which I was told could be used by other customer service parties to help them better understand what I will be asking in the future. KEY : XXXX I called at XXXX on XX/XX/XXXX and was on the phone for 91 min. I do not trust MOHELA 's ability to service Federal Student Loans seeing as they are not even able to accept lump payments such as mine requested for {$13000.00} in XXXX from a National Service Trust, and largely due to their inability to provide meaningful assistance to borrowers who simply want to pay off their loans. I know they have the ability to accept money from the national trust because they accepted an interest payment for {$150.00} but have ignored my lump sum payment and allowed me to accrue interest on the original principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I talked to several reps they told me what my balance was I paid XXXX. I received a delinquent notice on my credit report. I talked to the supervisor he said he dont know they sent my account to delinquent cause I wasnt late. I live in a low income housing I am due for an upgrade but they go off of credit score. Cause of this issue I might be homeless. You 7 days to write to the credit bureaus to remove this delinquent or I willing be filing a lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was paid on XX/XX/year> to an XXXXXXXX XXXX XXXX account, and late that evening initiated a transfer of money to BMO Harris Checking account to be able to pay my upcoming BMO Harris Mastercard bill due XX/XX/XXXXXXXX XXXX 
When I saw that the money wouldn't be transferred in time ( due to artificially imposed bank transfer slow downs ), I did the minimum payment with the understanding that it would cancel the automatic full payment. It did not cancel the full payment, and the full payment was taken. Since my checking account did not get funded in time due to the slow bank transfer, I was charged a {$25.00} returned payment fee. 

So even when I tried to pay the card twice before the due date, I was still charged a {$25.00} fee even though I was " in compliance ''. There is also no cost to the bank or the credit card for debiting my account when the transfer had not happened, so this is clearly just a " junk fee '' that the federal government is looking to ban. 

I called the bank, but they suggested that's just how the system works, and I have to pay their junk fee. 

How can we avoid these " junk fees '' that happen ( with no cost to the bank ) even when I am trying to be in compliance by transferring the money early, or making an on time, minimum payment? 

Also note, the next time, I actually disabled the automatic payment before my payment was due, but the full payment was charged anyway because I didnt disable the autopay " early enough ''.

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 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
From XX/XX/XXXX to today, the following accounts were closed by the creditors because of information they received from XXXX. 
XXXX XXXX - never late XXXX- not late was late in the past, and this came off my records Wayfair - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but in the meantime, more accounts are closed. 
My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened. 
.

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