vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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: LA

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 Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I tried to make a payment for my federal student loan. When I logged into my account, something was wrong and I was unable to make a payment. The account said I didn't owe anything but there was a conflicting message saying " payments for borrowers whose Nelnet accounts start with " XXXX '' will be due in XXXX. '' My Nelnet account starts with " XXXX '' meaning that I needed to start making payments. But I could not make a payment because there was nothing to be paid. I called Nelnet to figure this out on XX/XX/XXXX around XXXX. The wait time was supposed to be XXXX minutes. I remained on hold for XXXX hours before I had to hang up because I had work. I ended up sending them a message through their website because that was the only other way to contact them. 20 days go by and they have not replied to my message. On XX/XX/2023 at XXXX, I called them again and remained on hold for another XXXX hours despite the wait time being a few minutes this time. Finally someone picked up the phone and I was very happy. But then the individual proceeded to pretend they could not hear me. They kept saying " Hello? Hello? '' before hanging up the phone. Nothing was wrong with my phone and I confirmed this by calling a relative immediately after and they were able to hear me perfectly clear. I have been unable to get in contact with Nelnet despite my many efforts and I am at a complete loss right now. I don't know what to do and my loan payments are supposed to start this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: OK

Complaint narrative:
Incident happened with Chime Bank on XX/XX/2023. I was contacted through their phone number XXXX by someone in their fraud department. He said that my account had been compromised and that they were going to put my account under a 24-48 hour surveillance. He walked through the steps to help me change my password to : XXXX. He called me 2 times through the bank number and sent me several texts through the Chime texting thread. He sent a text telling me it was a fraudulent charge that will drop off, but he wanted to be sure the system was working.The last text says " Glad that was you. The transaction was declined, but you have 1 hour to try this transaction again. '' Later that day I checked my account to verify everything was okay, and money had been transferred from Chime Credit Builder to my Checking acount in 2 transfers of {$1000.00} and {$200.00} ; and then there were 3 transactions to XXXX in the amount of {$200.00} in XXXX XXXX, FL. ( I live in XXXX, OK and am XXXX XXXX XXXX female. ) That is a total of {$610.00} gone from my account without my knowledge. 

Chime has denied my request 3 times. I have provided screen shots showing that the calls did come from Chime, and of the texts I received from their system. You can see the time I was on the phone coincides with the times the money was transferred and spent. 

I have filed complaints with XXXX and FBI and now your Bureau. Please contact me with any questions or if you need more information or documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
Chime as always taking money out my account with out knowing also when I get money from ATM the prepaid bank also charges me extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX Fifth Third Bank Loss Draft Dept received an insurance claim check for {$42000.00}. I submitted the required documents multiple times and they deleted them and changed them from completed and accepted to need additional documentation a few times. I have emailed, called and spoken with them in person, multiple times. I received a message saying the funds were available in an escrow account on XX/XX/XXXX. The partial check # XXXX in the amount of {$31000.00} was issued on XX/XX/XXXX per the My Claim Funds portal. I called the LD Department and they said no, the check has to be mailed. I received a message on XX/XX/XXXX saying it was processed. On XX/XX/XXXX I again called to ask why I had not received the check. I was told it was mailed on XX/XX/XXXX and it was not their problem, that I had to take it up with the post office. The post office has no info because the tracking says the label was created ( I purchased this mailer ) but not given to the USPS. My contractor has now stopped work until a payment is made. He has been working, in good faith, since the middle of XXXX because the insurance company approved and issued the check on XXXX. My house is torn up and in the middle of the repair phase still. 
I have spoken to the local Branch and they have also attempted to get help for me from this Loss Draft Department and have also become frustrated. I requested to have this escalated through the local branch on XX/XX/XXXX and am waiting to speak with someone from that department. It is my understanding that Loss Draft is part of 5/3 bank, however, it appears to have no governance by the company 5/3. I am being disconnected after sitting on hold for long periods of time to speak with someone at LD, and when I do speak with them often times they sound half asleep with noise in the background that sounds as if they are at home. I need help to get my home repaired ASAP. I have to go this entire process again for any future checks that are received. I have had to beg, literally, and still I am living in a mess solely because of Fifth Third 's Loss Draft. My claim is " monitored '' because they feel the average homeowner is not responsible enough to handle an insurance check and yet they have now lost a {$32000.00} check. They refuse to do anything other than cancel the original check, resubmit, and mail it. If I want it faster than regular mail, I have to send ANOTHER prepaid envelope to them. I am looking at weeks again. This is not acceptable and is quite frankly, cruel, abusive and irresponsible as well as unprofessional. In addition to the documents below, I also have recorded phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZuntaFi Corp
State: WA

Complaint narrative:
Zuntafi contacted me about an alleged student loan debt. They reached out through an old address. I responded within 30 days of receiving the letter and sent Zuntafi a certified letter requesting validation and disputing the alleged debt. Zuntafi did not respond within the five days allowed. Zuntafi did not provide me with competent evidence or explain why they could not provide the requested information. Zuntafi has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g- Failure to validate this alleged debt. Zuntafi has violated other rights as well. As indicated in my attached letter, a follow-up letter was sent demanding that Zuntafi stop contacting me. Zuntafi agent XXXX called using the phone number XXXX ( XX/XX/2023 ) and left a voicemail. She has since sent me an email as well. I have received a new statement despite my insisting that without proper validation and providing competent evidence, Zuntafi stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT XXXX Account # : XXXX Date Opened : XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: SC

Complaint narrative:
My information was breached through Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.

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 2023-10-23 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as 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 2023-10-23 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: IL

Complaint narrative:
I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted documents showing proof of the accounts listed on my credit report was reporting incorrectly and should be deleted. 
From the looks of whats was sent back to me, nothing was done and continue to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX APPLICATION # XXXX Dear Wells Fargo Bank I am writing to formally request to opt out of certain provisions outlined in 15 USC 6803 , which pertains to the sharing of nonpublic personal information about consumers by financial institutions. After careful consideration, I have decided to exercise my rights under this regulation to protect my personal information and privacy. 



As per the requirements of 15 USC 6803, please consider this letter as my formal request to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. I understand that by opting out, I may limit the marketing communications I receive from your institution, but I am willing to make this choice to safeguard my privacy. 



Please acknowledge receipt of this request in writing and confirm that you have processed my request to opt out as soon as possible. If you require any additional information or forms to complete this process, kindly let me know. 



Thank you for your prompt attention to this matter, and I trust that my privacy preferences will be respected in accordance with the law. 



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 non-monetary relief
Consumer complaint received 2023-10-23 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: NC

Complaint narrative:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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 2023-10-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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 2023-10-23 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: NY

Complaint narrative:
THE ADDRESS BEING REPORTED IS INCORRECT. My correct address is : XXXX XXXX XXXX XXXX XXXX, NY 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE ADDRESS BEING REPORTED IS INCORRECT. My correct address is : XXXX XXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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