vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. has violated my rights. Or list of inquiries 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 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: PA

Complaint narrative:
I thought I paid it off. Last bill said I owe {$3.00} and I sent the check. Im going through a bad divorce settlement. I have been making payment. I didnt think I owe anymore. Amount I owe is {$60.00} from the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2023, I opened a Business Checking Account with US Bank using a promo code that would give me a {$500.00} bonus if I deposited {$3000.00} within 30 days and maintained the balance for 60 days. On XX/XX/2023, my account had the required {$3000.00} which I kept for more than 60 days until XX/XX/2023. However, I did not receive the bonus as expected. I called US Bank in XX/XX/2023 to follow up, and was told that I had not enrolled in their online banking, but I had already been an existing customer with an account with them. I was able to see and manage my business account with my existing one, and creating an entirely new account was not specified in their terms.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate information in my EQUIFAX credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
When I called my loan servicer ( AidVantage ) I was told that I needed to reconsolidate my loans to get credit for XXXX payments going back several years. When I applied for consolidation at XXXX, the online offers included a 3 % interest rate at approximately XXXX XXXXXXXX. If this stated " as low as '' or something similar, it was not clear. 
I understood it to be the exact rate they were offering since it used my tax return. I selected AidVantage since I was already working with them. When I received the information in the mail about my consolidation, it said my interest rate would be 7 % and my monthly payment around XXXX XXXX I called AidVantage. They said I needed to speak to XXXX. I tried calling them several times, one time being in the queue for 20 minutes when it started ringing and then I got a message that my call could not be completed and it hung up. I just got someone on the phone at XXXX ( after being on hold for 40 minutes ) who is telling me they can not do anything because this is a loan servicer issue. 

The reason I reconsolidated my loans was for credit towards forgiveness going back further than what was showing. When I called AidVantage they told me this was wrong information and the agent wouldn't have told me that. I asked if the calls were recorded and they told me yes, but would not listen back. AidVantage was now stating that I had 0 credits towards forgiveness because I reconsolidated. 

I don't know what to do and feel like I was taken advantage of. I work in banking and have to go through trainings. One of the trainings said that we can give deceptive information. I feel like this has happened several times here, starting with the rate quoted online. Does this same deceptive information law apply to student loans too? 

Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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 reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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.

has violated my rights. Or list of inquiries 1

5 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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.

has violated my rights. Or list of inquiries 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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I have a {$3000.00} bill from a early move out, 10 years ago, XXXX from collections west has harassed me, my family, all of my employers even threaten to jail my old boss just two weeks ago, they threaten your family members, they run your credit as if you are applying for credit with them to mess up your credit. he told me I'm lying about my XXXX XXXX XXXX son being killed kus he served him back in 2016 when he was just XXXX smh. I told him he cant serve a minor. I have filed bankruptcy due to his harassing calls an threating to come to my house, even when I'm not home. like I got XXXX daughters an after laying my son to rest my nerves are shot. this man stalks me like a XXXX ex. 

MY MOTHER HAS ASKED HIM OVER 20 TIMES IN THE LAST 2 YEARS TO STOP CALLING HER IM XXXX I DONT LIVE AT HOME WITH MY PARENTS. THIS MAN IS OUT OF CONTROL ... ... TO THE POINT I FEEL LIKE I SHOULD GET A RESTRAINNING ORDER ON HIM.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WV

Complaint narrative:
At approximately, XXXXXXXX XXXX  I received a call from a woman who identified herself as XXXX from Chime Support. The phone number did register as Chime Support on my caller ID and the number was XXXX. Since I had dispute currently pending with Chime Bank because of fraud on my credit builder card, I answered the call thinking it was in regards to that issue. XXXX asked me to verify my account info and the email to my account. While I was on the phone discussing the fraud on my card the previous week, an unknown individual made 2 wire transfers on my account using Chime 's Pay Anyone feature which allows for instant wire transfers. One transaction went to XXXX XXXX for {$2500.00} and the other went to XXXX XXXXXXXX. At no time did I receive notification from Chime about the transactions until after all my money was drained from checking and savings account. I reported the theft immediately to Chime and opened up a dispute. I was told by a Chime Rep that I would need to file a police report which I did and allow Chime to do their investigation. 

Later that afternoon, I researched the Chime 's Pay Anyone feature and called Chime Dispute Support again, as I learned that the money drained from my account was actually in 2 Chime accounts and I didn't understand why they couldn't close those accounts down and give me back my money. If an individual has n $ in front of their names in the Pay Anyone feature, that means that their account is a Chime Account. Andie from Dispute Support confirmed that yes, my account was hacked and yes, the money was indeed stolen by 2 Chime Accounts but yet their was nothing that could be done to help me. She had no answer as to why Chime would allow fro instant transfers of large amounts of money with getting any verification or notification from me. Chime never attempted to call me about the fund transfers and my money was gone in 2 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

has violated my rights. Or list of inquiries 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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: TX

Complaint narrative:
From the end of XXXX ( When I no longer had a cell phone ), I tried to get my password so I could get into my online account at Chime. I kept getting asked for copies of my drivers license, a picture of me holding the license and a piece of paper with the current date on it, and something else I do not remember at this time. Not having a phone I could only take and send pictures with my Laptop computer. Chime kept complaining the pictures were fuzzy, try again. This went on and on. All I wanted was to get into my account so I could see what was happening. Finally, at the end of XXXX, some kind woman said she could not get me in but if I used a different email address she would be able to get me in that way. I came in with a new address and checked my account which I had not gotten to before and saw a bunch of charges I had not made. This was, by now, XX/XX/XXXX. I called them into Chime and they said they would check them and I should have an answer by XX/XX/XXXX. I am not in a position where I can afford to wait XXXX months for money stolen from me with Chime 's help. They know I couldn't make those charges because they were all made before I had access to my account. And Chime gave them permission to do so. Normally, when I charge anything, Chime sends me a text asking if I made the purchase and I have to answer yes or no. Since I didn't have a cell phone they could not text me and just XXXX 'd every thing. So I am now paying for charges for a phone service I never heard of, for XXXX deliveries by XXXX XXXX  and XXXX XXXX. I There were charges for thing completely out of reason for me to buy even if I could use my account and they know I couldn't use it. I keep calling and telling them I need the money now and they keep telling me XX/XX/XXXX. My auto insurance was cancelled because it is an automatic monthly deduction and there was no money there to pay it. I am now getting letters from other automatic deduction companies wanting their money and I don't have it. My refrigerator and pantry are empty and I will have to go to the food bank on Saturday, but starve until then because I have run out of cash. All I want is the money stolen from me, returned to me NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXXXXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXX XXXX XXXX. Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation