vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I filed a dispute with chime bank for some unauthorized transactions made on my chime credit builder card they said a credit was issued but nothing in my bank account I contacted them and they said they have to issue me a check as the account was closed. Yes it was closed by them the day I filed the dispute but they could not answer how a account that was closed could be credited and I asked them to send it to my checking account so I could pay bills that I have been waiting 2 months to pay while this dispute played out now they said they will issue me a check when the account is closed and they can't do anything cause it not a active account and once it is closed it can't be reopened so they ha e my {$580.00} and won't give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NJ

Complaint narrative:
I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX 
Date of Inquiry : XX/XX/year>XXXX  I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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 have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a previous complaint and my issue is still not resolved, I need this issue resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet moved alot of our accounts to a new company called XXXX. I believe Nelnet is hiding or moving our student loans around so they dont have to discharge our loans. My school XXXX XXXX was under XXXX XXXX which was a school that was shut down and declared fradulent. My student loan should be 100 % forgiven and released from both Nelnet and XXXX. My loan continues to collect interest each month and when I call them they play XXXX saying they know nothing about XXXX or the discharges. This is very public and has been for XXXX + years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I obtained an auto loan in XXXX, XXXX from Wells Fargo. My loan terms specified there was no prepayment penalty and any amount over and above the monthly amortized payment would be applied directly to principal. I have made additional principal-only payments every month since then. 

I have the loan available to see on my phone app and the balance didn't seem to be lowering as expected. I have called several times and gone into the branch as well to complain that my loan payments must have been misapplied- to future interest and not to the principal at all. Each time I complained, I was simply told that additional payments were applied to principal, but was never allowed to have or provided with any actual accounting of how my payments were applied to the loan. I have requested this several times and told that it wasn't available for customers and was an " internal document. '' I was then referred back to my phone app, where it didn't add up. 

I was denied an accounting and misled to believe that my payments were handled legally and morally. Had I been granted access to an actual accounting of my payments and how they were applied, I would have been able to quickly dispute the matter and try to resolve it. 

Any help from the CFPB would be appreciated. I have gotten no assistance from Wells Fargo and need to remedy the misappropriation of my funds.

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 2024-08-27 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. A personal credit card account with XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX. A personal loan with XXXXXXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX. A utility account with XXXX XXXX on XX/XX/XXXX, account number XXXX. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Dear ( XXXX, Equifax, XXXX ) I received a copy of my credit report and I have found the following item listed below to be in error. This account is listed with late or missed payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. The account listed below was put on a Financial Hardship agree as of XXXX due to a natural disaster in XXXX, FL . On this date XXXX was aware of three hurricanes hitting in my area. So I was advised by a representative that I would be put on a financial hardship agreement where I would only pay {$30.00} a month. I mad those payments and even paid over {$30.00} some months. Then XXXX XXXX XXXX was hit by hurricane Debbie that turn into a tropical storm. I contacted XXXX  again and they switch my hardship to a deferred plan. With both plans per contract they do not report to the credit bureau. I will be attaching statements that show I was making {$30.00} payments or more per my Financial hardship contract. 


XXXX + Account Number # XXXX I was never late on ( XX/XX/year> ) on this account please update the account as Paid/Current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Closed Accounts on Credit Report I am writing to formally dispute the closed accounts listed on my credit report. I believe that these accounts should be removed from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i, I have the right to dispute the accuracy of information in my credit report. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 8 ) requires that furnishers of information must conduct a reasonable investigation when I dispute an account. I contend that the closed accounts in question are either inaccurately reported or do not reflect my true creditworthiness. 

I am requesting the removal of these closed accounts for the following reasons : 1. **Inaccurate Reporting : ** The accounts do not accurately represent my payment history or the status of the accounts at the time they were closed.

2. **Lack of Verification : ** I have previously disputed these accounts, and the information has not been adequately verified as required by law.

Please conduct a thorough investigation of these accounts and provide me with the results of your findings. If you are unable to verify the accuracy of these closed accounts, I request that they be removed from my credit report.

I appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MS

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. Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX, Account name : XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account number Account number XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-08-27 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: GA

Complaint narrative:
I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.

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 2024-08-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score. 
XXXX { NORDSTROMS } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXXXXXX XXXX XXXX XXXX  { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Balance : {$1000.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-08-27 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: NC

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX Balance : {$9100.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$2800.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} 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 2024-08-27 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation