vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, My mother found a home listing from a company named XXXX XXXX for a home in my area. We spoke with the landlord of the place and he was on the phone with me for hours guiding me through a tour of the home virtually. he talked me through how to sign up for a company named XXXX and told me that he just wanted someone that would take care of his home since he travels in and out of the states. He told me the deposit is {$500.00} and then i pay {$1300.00} for the first months rent and that makes the rent for XXXX free. He said we pay through chime because we have to have a signed lease and deposit before we can gain access to the resident portal for monthly rent payments. 

We were sent the lease via email and signed it. The landlord also sent me a copy of his ID and said he would meet me at the property at XXXX to give me a receipt and the keys. He called XXXX XXXX and then proceeded to tell me i had to pay a {$250.00} administration fee before he could have me in the system. After it was paid the call randomly ended and he text me saying " Im on my way to the property '' and never showed up. I waited for hours in my car with my XXXX year old for him to show and he did not. Both numbers he called and text from had been disconnected. 

After this happened I realized I was scammed. My mother who was there with me the whole time called XXXX XXXX and I called the police. An agent from XXXX XXXX made my mom aware that we are victims of a scam and that they are unaware of who the guy is that said he was the landlord. They reported the scam and told me to have my bank call their treasury department. 

I filed a police report and called chime to dispute the transfer transactions that were made with all evidence I had including text messages, screenshots, a copy of the fake lease, The Id the guy sent me, the emails, the phone numbers used and offered written statements by 2 witnesses, and an email given to me by XXXX XXXX so they can provide information proving the leaser is invalid and i was scammed. 

Chime Denied my dispute and refused to give me and reason why. Two of their agents hung up on me when i was asking for my claim to be appealed and reopened. They showed no sympathy and sent me a second denial letter in my email. My dispute decision was made within 2 days. No proper investigation was done and i don't believe My supporting documents were evaluated properly. I should not have been denied. I have all the evidence they need and more. Chime did not support me or carefully investigate. I lost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX  have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers: 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I received a call from the phone number for my Discover Bank. I answered and was told that there was suspicious activity on my account. He said there were two charges through XXXX two different people. I didnt recognize them. He sent me a text to confirm to be sure I was receiving those text when any activity occurred. The text did mention something about a company, XXXX XXXX XXXX. It said there was a charge for {$82.00}. I questioned him because I had no idea who that was. He said I just need to answer yes to the text so I did. He said he would have the XXXX  credit fraud department call me, I was sick and had been sleeping when he called so when my head cleared and I woke up, I realize it sounded suspicious so I called Discover Bank. They told me that there were multiple charges to that name ; XXXX of them that totaled almost {$1600.00}. They said I could not dispute them until they posted to my account. they posted two days later so I called and they disputed each one of them and told me I would get a response within 4 to 45 days. I could not open a new checking account because it was a regular bill of mine pending. I called again on the XXXX. They told me they had closed my account and gave me new routing & account number info. I checked my mail on XX/XX/XXXX and found a letter for each dispute saying it was denied. 
When I called to question that I was told that it would never have been approved. It was considered a scam, and they never approved disputes for scams. If someone had told me that rate from the beginning, I wouldnt have lost two weeks time trying to fight that. There is nothing in place for me to dispute their findings so theres nothing else I can do. I am a XXXX single XXXX XXXX XXXX  woman. Im living on XXXX XXXX XXXX. I would like to dispute their decision but I seem to have no way to do that. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Original problem ( still exists ) : Nelnet keeps sending me emails saying that I owe {$0.00} and now days after that they're saying that I'm past due and owe a large sum of money. They also have not put me on the SAVE repayment plan that I enrolled in at the US Department of Education 's website months ago. I have copies of the emails showing that they said that I owed " {$0.00} '' up until a few days ago. Additionally, they don't offer any options for a forbearance while we figure this out. Please help me get a new servicer or get this fixed.

Update : They responded to the last complaint that I filed with you with general account information instead of answers.

They refuse to respond to my emails for months except with general information. They are refusing to answer questions and offer solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Dear CFPB, I am writing to express my deep concern and frustration upon discovering that TransUnion and XXXX have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by XXXX. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.

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 2024-02-26 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: TX

Complaint narrative:
Dear CFPB, I am writing to express my deep concern and frustration upon discovering that XXXX and XXXX have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by Equifax. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MS

Complaint narrative:
THE BANK OF NEW YORK MELLON has failed to perform their duties as indenture trustee for XXXX XXXX XXXX. By doing so all of my accounts have been unlawfully closed. I have sent registered securities along with letter of instruction to the trustee which have not been processed and correspondence has not been given to inform me as the rightful bearer of the status. All 8 of my lines were closed unlawfully due to none of my book entries on the accounting side not being properly credited to any of my accounts. This is unlawful pursuant to UCC 3-303. VALUE AND CONSIDERATION was never received on my end. I gave XXXX XXXX XXXX securities that were turned into receivables for their financial gain, so what benefit did I receive? XXXX XXXX continues to profit from those securities but have closed my lines which hinder my ability as a consumer to maintain all of my household purposes. If they claim that I never paid my account, in an attempt to operate in good faith I sent instruments for full satisfaction of every account via registered mail which was received by their Trustee BANK OF NEW YORK MELLON on XX/XX/2024. The registered securities along with a notice for securities fraud was made to the attention of XXXX XXXX XXXX, Vice President of BANK OF NEW YORK MELLON. The registered securities were to be accepted as payment and pursuant to UCC 3-603 and 3-604 refusal or destruction of these instruments will result in the automatic discharge of all debts due to noncompliance. USPS tracking number for the registered securities recieved on XX/XX/2024 is XXXX. I have also emailed the legal department for BANK OF NEW YORK MELLON per the instructions given by their representative after she read a false and misleading disclaimer that states that they are not responsible for my securities as a private investor. This disclaimer which is false and misleading was given on XX/XX/2024. The email correspondence was sent at XXXX XXXX XXXX XXXX XXXXXXXX. No response was ever given. I also sent the same email prior to this date on XX/XX/2024 to XXXX XXXX at her email address listed on the SEC filing at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
This company doesnt have legal rights to pursue a debt in sc, nor have I done business with this company, company failed to verify debt, I never gave permission for my personal information to be used or to report on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-02-26 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: FL

Complaint narrative:
I XXXX XXXX  have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers:

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

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 2024-02-26 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: FL

Complaint narrative:
I XXXX XXXX have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers: 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

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 2024-02-26 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: NY

Complaint narrative:
I am writing to demand that you take immediate action regarding the reporting of my account. I have discovered that it has been reported in violation of 15 USC 1681a, which is a clear violation of The Fair Credit Reporting Act. While I don't dispute the validity of this account, I do dispute the way it has been reported. The reporting of this account is a violation of my privacy rights, as it discloses non-public personal transactions between me and the company involved.

I expect you to rectify this situation at once and take all necessary steps to ensure that my rights are protected. Failure to do so will leave me with no other choice but to pursue legal action against your company. I hope you understand the seriousness of this 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