vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax still has not updated credit report, current address, & score still has outdated score and report from 2021, called and sent online dispute and still they have not fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I filed bankruptcy. Prestige Financial has been refusing to pick up the car for 3 months now. They have been bullying me via phone and email ; i have screenshots confirming me telling them to pick up the cr. When i called them they are telling me they can ding my credit as late payment for six months or more. The car has been sitting they have a tracker on it ( that i was made to pay {$600.00} for ) still they refuse to pick up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Date opened XXXX. Amount owed : {$1200.00}. Macy/Citi Bank N.A . 
Please Re-Investigate this account.

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 2024-02-29 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 a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-29 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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit karma closed my account, but somehow the deposited my tax refund or kept it and did not send it back to irs. And are not sending me a check. They stole my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I owe a home. My children are ready to leave and begin their own lives. This prompted me to look into a small home. A cheaper home. The company pulled a credit report on me. Standard practice. XXXX days later I had around XXXX phone calls. At least XXXX texts. I then looked into my span filter there were about XXXX numbers blocked. ( I average about XXXX a day ). I was emailed as well. By the way, I get to pay for this harrassment due to the need to pay for my own credit check. 
What I believe The big three credit bureaus sold my information I believe Rocket Mortgage ( my current mortgage holder ) is engaged in predatory lending and aggressive tactics to sell unwanted products. 
I am " stuck '' with Rocket Mortgage due to them purchasing my mortgage note.

This is harrassment pure and simple.

Imagine a female putting up with this type of behavior by a suitor. 
Restraining orders and arrests would be warranted. 
I can do nothing but put my phone on do not disturb. 
I work with my hands, I can not have my phone ringing incessantly. I am not losing my job to these border line criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I filed a complaint against XXXX XXXX for reporting an unverified bankruptcy on my credit report. They sent me a letter saying they were going to remove it and never did. This is causing me harm.

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 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Well on and XXXX there is a charge of around {$400.00} and I called and disputed the claim and they don't seem to want to help me solve this it is not mine and I just want to get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX : has violated my rights. 
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. 

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, 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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: OH

Complaint narrative:
I sent the sum of {$650.00} to a relative in XXXX on the XXXX of XX/XX/year>, and received a reply that the money has been deposited in her account. My relative later verified that no money was deposited. I called SENDWAVE, several times and they told me that their system had an issues, and assured me that my recipient will receive the money the next hour. This never happened, at one point they told me that the money went to her XXXX account, and never made it to her dollar account. They requested for her XXXX bank statements for both her XXXX account and XXXX account which I forwarded to them, but still no response. I have called them multiple times, and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on XXXX HAS 90 days & EQ HAS 60 days. last reported dates are wrong & different last payment XXXX HAS XX/XX/year> & EQ HAS XX/XX/year>. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES XXXX XXXX & EQ XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 & 90 days LATE BUT NO LATES IN PAYMENT HISTORY. NEED REMOVED DUE TO INACCURATE INFORMATION 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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. 

Thank you from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I received a text from chime asking me if I had made a purchase that I did not make. I replied no and was told someone would be calling me in 5-10 mins. I received a call a few minutes later from someone claiming to be from chime. He said they had detected fraudulent activity on my account and they were going to be sending me a new card. He made me log out of my chime account and log back in with a temporary password he provided so I could reset my password and he was able to get into my account and transfer all the money I had to his cash app. He also initiated transfers from my credit union checking account that was linked to my chime account. The whole time I believed I was talking to someone from chime. A couple of hours later I received a call from the actual chime. I answered but the call got disconnected so I called back and went through all the prompts to speak to an agent and explained that someone from chime just tried to call me and I was calling back. He said chime will never call you but I have an incoming call on my call log from them. He also said that I had not spoken to anyone from chime earlier to which I replied then who was I talking to? I was on the phone with that person for an hour. He said I had gotten scammed and I had to log back into my chime account and reset the password and he saw all the cash app transactions but said we couldnt dispute them until they were no longer pending. They also said the money that was transferred from my bank to my chime card would be coming back to me once the transfer was complete. On Saturday, XX/XX/XXXX I noticed they were no longer pending so I called chime to start the dispute. I provided screenshots of the number that called me and the text messages. My claim was investigated and denied a few hours later. I received an email saying my claim was denied, they determined no error had occurred and I would not be receiving any funds. They said I could request a copy of the documents used in determining the final outcome of the investigation which I told them I wanted a copy of but they have not provided. Then on XX/XX/XXXX I received an email from chime saying they closed my account effective immediately due to account does not comply with the member agreement, account is not in good standing, and/or evidence or suspicion of unusual or potentially risk activity and At this time, you are not eligible for a refund of any remaining account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2024 I made 4 withdraws from XXXX  XXXX  in the amounts of {$10000.00} {$5000.00} {$6000.00} and {$1000.00} after the withdraws were credited to my Venmo account I made 3 deposits back into my XXXX  account in the amounts of {$100.00} {$25.00} and {$200.00} and submitted a bank transfer to my XXXX checking account in the amount of {$2100.00} leaving a balance of {$19000.00} in my Venmo account. As soon as I initiated the bank transfer before I could even do anything else it came o up in my Venmo account that my account was suspended. I received no email or reason for the suspension other than I violated policies Im still uninformed as to what policies I violated. My Venmo is linked to my XXXX  account as a deposit method as they allow withdraws and deposits for XXXX which I have done previously and they allow transfers to and from a bank account I made no other transactions and attempted no other transactions they first told me that I needed to submit my id and an XXXX  for release of my funds so I submitted them, then I get an email stating that they were permanently closing my Venmo account and keeping my {$19000.00} and may release it to me in 180 days for loss protection. Ive never heard of such a thing and I want my money my Venmo account was closed by them. The emails they sent me are not signed by anyone with a name its signed simply account team and they have yet provided an explanation or what violation I committed to cause account closure. Please help me get my money from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX - received notification that loan XXXX  ( total of 2 were forgiven as of XX/XX/XXXX XX/XX/XXXX received XXXX separate email documents that my remaining loans were paid in full XX/XX/XXXX submitted complaint on student aid.gov XXXX XXXX  regarding the status of my refund overpayment, followed up on XX/XX/XXXX requesting my case be escalated to the Ombudsman as of XX/XX/XXXX no response XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated my refund file was in process totaling {$23000.00} as of XX/XX/XXXX XX/XX/XXXX contacted Nelnet by phone representative XXXX was unable to assist and transferred the call to solutions specialist XXXX that indicated my Account has been flagged for both IDR ( income driven repayment adjustment ) and BD ( Borrowers Defense ) with 2 refund amounts reflecting {$23000.00} and {$17000.00} and also indicated I should be getting a letter about the BD XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated the refund was sent to Treasury but, no date ; he then transferred me to solutions specialist XXXX that indicated adjustments were sent but, no date ; she was unable to confirm BD on my account but, reconfirmed {$23000.00} and {$17000.00} XX/XX/XXXX contacted Nelnet by phone representative XXXX doesnt show anything further and transferred my call to solution specialist XXXX who indicated my file was sent to the US Treasury on XX/XX/XXXX but, since it is a larger amount, it takes time XX/XX/XXXX submitted first CFPB complaint, XXXX XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated that she sees reversals on my account but, no other details and transfers the call to solution specialist XXXX who after spending time reviewing my account indicated she was sending a request to the accounting department to review my account and I should receive an update via email as of XX/XX/XXXX, no update has been received XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated she XXXX not able to assist due to her training and transferred my call to solutions specialist XXXX who confirmed the previous solutions specialist did send the request to accounting to have my account reviewed on XX/XX/XXXX. XXXX further confirmed that my account reflects BD and IDR Due to the lack of information from the representatives by phone, I attempted to email Nelnet 3 times, only to be advised they could not locate my account even when a screenshot of my account was provided ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Subject : Goodwill Request for Delinquency Removal Dear XXXX Representative, I hope this letter finds you well. I am writing to you a second time as a valued customer who has, in the past, maintained a positive relationship with your company. I am reaching out to discuss a matter of great importance to me and kindly request your understanding and assistance. 

I recently reviewed my credit report and noted a 30 day delinquency reported on my account with your company. I understand the significance of accurate credit reporting, and I am aware that my credit history is a reflection of my financial responsibility. I sincerely believe that the delinquency reported is not indicative of my usual financial behavior. 

Unfortunately, due to a medical bill of over {$5600.00}, I faced challenges that impacted my ability to make one timely payment on one of the two accounts I have with you. Since that time, I have taken proactive steps to address and improve my financial situation. I am up to date with my payments, and I am committed to maintaining a positive payment history moving forward. ( I have only this single 30-day delinquency on my credit report ) This has had a devastating negative effect on my credit score.

I am kindly requesting your goodwill in considering the removal of the reported delinquency from my credit report. This has caused a delay in my ability to obtain a home mortgage. I understand that your company values its customers, and I know this gesture would significantly benefit my credit standing. I have again attached the medical bill of {$5600.00} that caused me to get off track with my one payment to you. 

I am grateful for your time and consideration in reviewing my request. Your understanding and assistance in this matter would be immensely appreciated. Thank you for your attention to this request. I look forward to the possibility of resolving this matter amicably. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau FDIC XXXX, Trans Union, 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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Im disputing the {$600.00} charge from merchant, XXXX, for a car rental voucher. On XX/XX/XXXX, I arrived in XXXX XXXX and was told by XXXX that the voucher had an error that could only be corrected by XXXX. I called the merchant on XX/XX/XXXX but was unable to reach anyone. Since the merchant was unreachable and there was an error in the booking, I had to use my BoA credit card to purchase another car rental booking, this time directly with XXXX. 
On XX/XX/XXXX, I called the merchant again, didnt reach anyone, and left a voicemail describing my issue. To this day, the merchant has never reached out to me via phone or email. 
I initiated a dispute with BoA against this merchant in the amount of {$600.00}, on XX/XX/XXXX. BoA did credit my against in the amount of {$600.00}, although I had to spend additional money to secure a car rental which shouldve been taken care of with the original booking made with merchant XXXX. 
On XX/XX/XXXX, BoA took an action against me with a balance adjustment in the amount of {$600.00}, seemingly siding with the merchant. BoA hasn't reached out for me to provide additional supporting documentation neither do they provide a secure portal to upload relevant documents. For this reason, Im requesting BoA to settle this dispute in my favor in the amount of {$600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation