vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received XXXX emails from a company called Chime in my primary email. I have not interacted with this company in any way, shape or form so I called their number listed within the email that was at the end of a sentence saying to call them if you did not make this account. I then was on a call with a customer service representative and explained that this was a fraudulent account made using my information and that I want it closed. She then confirmed that the actions were fraudlent and that Chime will close the account. I was then sent an email telling me what I can do after this. 
It said : " Chime has closed the account in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card. We'll also remove you from any marketing email lists within XXXX business days. 

Here are some best practices you can follow to protect your identity : Place a fraud alert by contacting XXXX of the XXXX credit bureaus. 
XXXXXXXX  or XXXX TransUnion.com/fraud or XXXX XXXXXXXX or XXXX Review your XXXX XXXX XXXX  by visiting XXXX  or calling XXXX Visit IdentityTheft.gov or call XXXX to learn more about additional steps you can take to protect your personal information, including how to report Identity Theft to the Federal Trade Commission You may choose to file a report with your local police department.

If you received a 1099 tax form, immediately report the suspected identity theft to the IRS ; you do not need to report the income or request a revised 1099-MISC form showing {$0.00} income from them. 

Please let us know if we can be of further assistance. 

Kindest Regards, XXXX | Member Protection Team '' The secondary email sent after that was : " If you wish to receive additional information regarding this account and transaction records we request that you provide the following : Confirmation of the last XXXX digits of your Social Security number, AND Proof of your ID theft claim, which may be a police report or a completed FTC report ( available at https : //www.identitytheft.gov ). 
Make sure that Chime is listed as an Affected Account on the Police Report or FTC report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my credit score tremendously. I finally called XXXX XXXX  they acknowledged mistake and sent letters out to all XXXX Bureaus XX/XX/2024 to have removed. XXXX and Transunion took it off but dropped my credit score almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my credit score was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX XXXX  and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my XXXX XXXX tremendously. I finally called XXXX Financial they acknowledged mistake and sent letters out to all XXXX XXXX XX/XX/2024 to have removed. XXXX and XXXX took it off but dropped my XXXX XXXX almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my XXXX XXXX was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX people and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!

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 2024-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
My account was compromised on XX/XX/XXXX. I called to have it secured again. My account was then frozen for over a week. I sent my identity information and changed my email, password and phone number back to what it was supposed to be as the hacker changed it all. I contacted them via email and phone calls over XXXX times. They finally unfroze my account XX/XX/XXXX. Within 3 days my account was hacked again and the person was able to make XXXX transactions before I could get someone on the phone to stop them. XX/XX/XXXX my account was frozen again. I sent all the information they requested about XXXX more times and called and emailed and after a week was able to change my information back once more but this time they kept my account frozen. XX/XX/XXXX I was emailed that they were closing my account, due to a risk based decision. I have since called XXXX times and emailed XXXX times asking if I will get my money back and how long it will take and how I will get it. They have no answered that question. Instead they just sent me a new email saying their decision to close the account remains the same. I can not get anyone on the phone who can give me an answer about how to get my money, which totals XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
I recently reviewed my credit report and I noticed accounts on my report that are not mines. The credit bureaus are violating the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy They are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. I never gave them permission to list these accounts on consumer report. Congress said I have the right to decide what I deem private. I deem any information on my account to be private, and I DO NOT WANT THIS INFORMATION SHARED ON MY 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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want my delinquent payments deleted from my XXXX  acct # XXXX. Under law 15 USC 1666 states you can not report delinquent payments on my credit report. I want them removed within XXXX hours of this complaint.

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 2024-03-23 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: TX

Complaint narrative:
I want my delinquent payments deleted from my XXXX  acct # XXXX. Under law 15 USC 1666 states you can not report delinquent payments on my credit report. I want them removed within XXXX hours of this complaint.

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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX  months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

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 2024-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
My account with JPMCB was never late. I have had exceptional payment history with JPMCB and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months of ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( JPMCB ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> I was called on my cell phone by what was supposedly Wells Fargo fraud department. They told me that there has been a wire transfer of {$9800.00} from my account due to a scammer. I was told scammers use a technique where the wire transfer wont show up in my account. I was then asked to wire {$9800.00} to an account so they could assign me a new account number and prevent the apparent scammer wire transfer. During this phone call they sent me more than one advanced access code on the same text thread as Wells Fargo has used previously. They were able to see the name and amount of funds in each of my accounts. I ended up wiring {$9800.00} to the account given to me due to believing it was the fraud department with Wells Fargo. I then hung up the phone and called Wells Fargo customer service immediately and found out that the previous phone call was a scam. I reported it as fraud and they did their investigation and have decided they can not refund me my money. The fact that this person had access to my entire account and could use their text thread to message me access codes tells me Wells Fargo is not doing what is needed to protect their customers. I would like my {$9800.00} back into my account. Any help would be appreciated.

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 2024-03-23 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: AZ

Complaint narrative:
I have two complaints against my loan servicer which is Ed financial 1. I paid {$5000.00} towards my loan payment on XX/XX/2023 and its has not been posted to my account. I have called Ed financial several times regarding this issue and nothing is been resolved. Every time I am getting the answer that the finance department is working on it. Ed financial is incompetent and is not providing necessary loan servicing. 2. I have requested a refund of the loan payment for {$11000.00} I paid on XXXX XX/XX/2023 which falls under the covid period and I have not received the refund yet. Ed financial is saying it has submitted the request to the treasury dept regarding this. But I have no way of checking this. I have made this request 6 months back. I have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XXXX AND XXXX Has Illegally Tried to Garnished My Wages and Claiming that it is WRIT OF EXECUTION AGAINST GOODS AND CHATTELS in The State Of New Jersey { Whatever That is } This is the Second Time this Fraud Try to Come at Me with Threats about Debt. That I have No Knowledge about. They Also Put that Debt on MY Credit Report Which Impacted My Scores Severely. I have Never Done any Business with This UNSCRUPULOUS Attorney. Nor Have Signed any Contracts with That Fraudulenyt Company. At this time I want RUBIN AND ROTHMAN LLC To : CEASE AND DESIST FROM CONTACTING ME in all Forms, MAILS, EMAILS, TEXT, PHONE CALLS, ETC. 

AND TO CALL THE CREDIT REPORTING AGENCIES TO TAKE THAT COLLECTION OFF MY CREDIT REPORT UPON RECEIPT OF THIS COMPLAINT.

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 2024-03-23 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: HI

Complaint narrative:
Title XXXX of the United States Code, Section 1692b, is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines limitations on communications with third parties by debt collectors. Here 's a summary of the key points covered in this section : 15 USC 1692b : ( a ) Communication with Third Parties : Prohibition : Except as provided in subsection ( c ) of this section, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( b ) Permissible Communication : Authorization by Consumer : A debt collector may communicate with a person other than the consumer as authorized by the consumer or as reasonably necessary to effectuate a post-judgment judicial remedy.

Practical Implications : Limitation on Communication : Debt collectors are restricted from communicating with third parties regarding a consumer 's debt, except in limited circumstances outlined in the FDCPA.

Authorized Contacts : Debt collectors may communicate with the consumer, their attorney, the creditor, and certain other authorized parties. They may also contact third parties if authorized by the consumer or if reasonably necessary to effectuate post-judgment judicial remedies.

Protection of Consumer Privacy : This provision aims to protect the privacy of consumers by limiting the disclosure of their debt-related information to third parties.

Exceptions : Certain exceptions may apply, such as when contacting the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Understanding and adhering to the limitations outlined in 15 USC 1692b is essential for debt collectors to comply with the FDCPA and avoid potential legal liabilities. Similarly, consumers should be aware of their rights under the FDCPA, including protections against unauthorized third-party communications by debt collectors.

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 2024-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been 3 months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
NELNET made claims against me, trying to collect a debt they claim I owe to them. I sent in dated paperwork asking NELNET to verify their claims. I gave them 15 days to respond to my conditional acceptance. They did not respond to the letter in the time frame offered. Then they wrote me telling me that they no longer service the debt they were trying to collect on me. NELNET informed me that the debt was transferred and or sold from NELNET to XXXX XXXX and to contact them with any concerns I XXXXay have. Due to the fact they no longer service this debt. Upon looking at my consumer credit reports recently I notice NELNET still reporting on the debt they claim they no longer service as late and or delinquent. Now how is this so if NELNET no longer services the debt. This is not fair and accurate credit reporting. Everything in my credit report should be fair and accurate. This is a violation Pursuant 15 usc 1692e. I want this NELNET reporting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I'm receiving emails from a XXXX XXXX to try and collect debt. I don't have any outstanding debts. He indicates its XXXX XXXX XXXX which Is now owned by XXXX XXXX  XXXX and that i have outstanding debt to be collected. 

Their address is XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
TransUnion XXXX is Blank. 
XXXX XXXX is Blank. 
XXXX XXXX is Inconsistently Listed as XXXX XXXX. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns. 
Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My Credit.

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