vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: NV

Complaint narrative:
Are transaction allowed on your consumer credit report? Are charge-offs allowed on your consumer credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: NV

Complaint narrative:
Are transaction allowed on your consumer credit report? Are charge-offs allowed on your consumer credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX XXXX XXXX my paycheck was deposited and with in minutes someone hacked my account and stole all my money that had been deposited.. I was driving down the road and pulled over in a parking lot frantic and called chime which I filed a dispute with. Within a few hours they came back and said they were allowing the transaction to go through and they found nothing suspicious! Ive never heard of th person who took my money and if they would look through my history they would see that but no they denied it and the dispute I filed the next day they denied and then denied the rebuttal against the disputes all within a few hours!!! Usually they take their time looking into the disputes but this one they have denied me 3 times and I dont understand!!! Ive been a customer for years and they have always stopped suspicious activity but they let someone take my whole paycheck without even wondering why like its ok??? Im so upset, Ive cried since XXXX and I dont know what Im going to do!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: PA

Complaint narrative:
I sent several letters out to experian XXXX  and XXXX ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 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. 
( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte

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 2023-10-15 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: MO

Complaint narrative:
I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. XXXX XXXX XXXX has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.

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 2023-10-15 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: MO

Complaint narrative:
I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. XXXX XXXX XXXX has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
I received a summons and complaint about a debt that I owed to XXXX XXXX  on a XXXX credit card. I called them and they didnt negotiate so I agreed to a payment agreement. Less than a week later, I get another summons and complaint stating they are going to try to sue me for a different acct owed to XXXX XXXX for an unpaid loan. How many times can I get sued by the same attorney, Scott and associates and same attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: OR

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 2023-10-15 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: OR

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 2023-10-15 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: DE

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 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested a transfer of {$2800.00} to Truist Bank checking from a verified external XXXX XXXX XXXX account owned and named by myself at XXXX XXXX on XX/XX/23 and received electronic confirmation with time stamp. I was informed that the money would be in my account in 3 business days. XXXX XXXX XXXX  sent the {$2800.00} on Thursday XX/XX/23. I spoke with a Truist representative at XXXXXXXX XXXX  and XXXX XXXX on Friday XX/XX/23 and was told that the request was still processing and should be in my account by close of business. The transfer was not made as specified on Friday and did not post during the weekend.

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 2023-10-15 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: Westlake Services, LLC
State: OH

Complaint narrative:
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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 2023-10-15 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: DE

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 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
This is a re-sold debt to the debt collectors so they are rude and they violate every law out there, this item has been disputed many times and removed now this debt has had and has bought it from someone else, XXXX XXXX XXXX has not supplied any documentation for this debt no matter how many times I have disputed, they have violated LAW CODE 1681 N

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: EdFinancial Services
State: IN

Complaint narrative:
EdFinancial is my current loan servicer. I have confirmed this with Student Aid, my school, and also Edfinancial themselves. I made an account with Edfinancial to set up automatic payments. When I go to sign into this account, I get the message " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I then called Edfinancial to see what was going on and to get into my account. After waiting on hold for nearly 3 hours, I finally was able to speak to someone. She confirmed that I had about {$17000.00} in student loans with them and was unsure why it was giving me this error message. She said she could take payment on my account. When she went to put in my information, the same error message popped up for her. She could see my account, but the system would not allow her to take any payment. She said she flagged the account and to check back in a week to see if it was fixed. I tried again a week later, and I still can not access my account. I called back and was told that they still were not sure what was wrong with my account, and they were still unable to take payment. I asked them if they were still charging interest on my loans, and they confirmed yes, they were. They are telling me they can not stop the interest from being charged to the loans even though I have absolutely no way to pay them, and they are unable to resolve the issue with their system. I asked to speak with a supervisor and was told I would get a call back in 24-48 hours. I never got a call back from anyone. I just tried to login to my account, and I still can not access my account. I spoke with someone with student aid who told me that the only thing I can do is file a complaint. I have applied for the borrower 's defense, but I still want to make payments on my loan in case the borrower 's defense is denied. I do not just want to hope it gets accepted and rack up tons of interest. This is insane that I have no way to make payments on my loan, yet they continue to charge me interest. I just want to get into my account and make payments. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER BANK DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, DISCOVER BANK DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, MISSIONLNTAB DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: NY

Complaint narrative:
XXXXXXXX XXXX DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, XXXXXXXX XXXX DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, XXXX DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}

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
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I do not work for anybody No job employment should be on report XXXX XXXX XXXX Inaccurate address only address should be on my report is XXXX XXXX XXXX XXXX XXXX Al On address that should be on my 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 2023-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  wired a partial payment {$1400.00} to Flagstar bank on XX/XX/2023, to be applied to my XX/XX/2023, mortgage payment. The payment has yet to be applied and is currently NOT in a suspense account. An additional {$180.00} was paid by me on XX/XX/2023. This brings the total amount to {$1600.00} to cover XXXX 's mortgage in full. Flagstar Bank Acknowledges that they received both payments, yet they are sitting on the funds. Flagstar Bank demands mortgage payments be received by the XXXX of every month, yet they won't apply/process payments received before the 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 2023-10-15 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: MD

Complaint narrative:
The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including Equifax, XXXX, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
I received a copy of the letter dated XX/XX/XXXX stating : " Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number o payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX. '' The letter also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' I checked with credit reporting agencies and found it had not been updated in XXXX. I called and spoke to a rep and requested that it be updated as the letter they sent stated that it would be. 

I checked again in XXXX and it still has not been updated. I have submitted disputes with the credit reporting agencies but they are also waiting on correspondence form MOHELA to verify the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Receive a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/2023 and an email welcoming me " to your XXXX XXXX XXXX XXXX XXXX card account '' on XX/XX/2023. I NEVER APPLIED FOR THIS CREDIT CARD. VERY CONCERNING! 
I tried to contacting the bank that issued the card, my call was disconnected. 
BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE 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