vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
My federally owned direct loans are handled by XXXX XXXX. When I logged in I received a message our system indicates that we dont have the following information demographic data on file for you. We request you update your profile to continue. I was alarmed because the XXXX website states they dont have my address, phone number, and email address. When my loan account was switched from XXXX to XXXX I provide all that information. So I updated my information. It states my account is in good standing. That is incorrect because I need to make XXXX payments. When I call their phone number the wait time is XXXX minutes. Right now I can not make any payments because their system wont allow any type of payment. What I dont like is that you can only make a payment with your bank routing number. XXXX not trying to get out of paying, but trying to pay and speak to someone without waiting a couple of hours on the line. I never had this problem with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: NV

Complaint narrative:
I keep receiving collection efforts from National Business Factors for an alleged XXXX bill of {$59.00}. I have advised them numerous times that I had XXXX  insurance at the time of service at XXXX XXXX XXXX XXXX and they have not billed it properly. This is becoming harassing and improper. I dispute this billing and have numerous times with National Business Factors. I am a XXXX  citizen on a XXXX income and this is unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

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. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 section 602 A. States I have the right to privacy.

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. 

This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NY

Complaint narrative:
XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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:
XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX and Collections To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had XXXX days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these XXXX XXXX because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: VA

Complaint narrative:
CFPB, I fill that TRANSINION, XXXX are giving me the run around about the XXXX XXXX XXXX account. Again I've disputed this account XXXX times XXXX XXXX the phone and XXXX on there website both of these companies are interfering with my personal life, and I'm not happy about. CFPB, I did a dispute over the phone with XXXX and they removed the XXXX XXXX XXXX account from my credit report because XXXX, understood losing my job during the XXXX CRISIS wasn't my fault again how could anyone pay bills if they don't have a job. That's what's going on in the world today is judgement and I fill that both companies are judging me, and I see it clearly. CFPB I will upload screenshots of XXXX deleting that XXXX XXXX XXXX ACCOUNT.

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 2024-07-13 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: VA

Complaint narrative:
CFPB, I fill that XXXX, EQUIFAX are giving me the run around about the XXXX XXXX XXXX account. Again I've disputed this account XXXX times XXXX XXXX the phone and XXXX on there website both of these companies are interfering with my personal life, and I'm not happy about. CFPB, I did a dispute over the phone with XXXX and they removed the XXXX XXXX XXXX  account from my credit report because XXXX, understood losing my job during the XXXX CRISIS wasn't my fault again how could anyone pay bills if they don't have a job. That's what's going on in the world today is judgement and I fill that both companies are judging me, and I see it clearly. CFPB I will upload screenshots of XXXX deleting that XXXX XXXX XXXX ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Complaint against [ SANDANTER CONSUMER U.S.A ] for violating my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b Account # XXXX Dear CFPB, I am writing to file a complaint against SANTANDER CONSUMER for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, they have violated sections 602, 604A, and 2 of FCRA ( 15 U.S.C. 1681 ) and section 1666b of TILA ( 15 U.S.C. 1666b ).

The violations are as follows : In accordance with the fair credit act this creditor has violated my rights under 15 u.s c1681 section 602 I have the right to privacy 15 u.s c 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 u.s c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About a month ago, I filed a dispute with my credit card company Bank of America for charges from XXXX that I did not authorize or approve of. There were XXXX charges of {$500.00} each. My claim was denied and the letter I received stated it was denied because the merchant provided proof that I received the product or service that I paid for. There are XXXXwo issues with that. One, I never received any product or service from the merchant because again, I did not use my card with them and did not authorize the purchase. The second issue is that when I called my bank and asked them to see the proof, the representative who helped me said there was none. He said there was nothing that the merchant had sent in that showed that I received anything. They also couldn't even tell me which product ( I assume tickets since the merchant is XXXX ) it was that I supposedly received. I asked that the claim be reopened and escalated. They told me they would do so on Thursday. Not even XXXX hours later, on Saturday morning, I've already been told my claim was denied for the same reason. Once again, no proof of any product received. All I want is my {$1000.00} back. This is the first credit card claim I've ever had to and this process has been horrible. My credit card limit was also reduced significantly shortly after filing this dispute. It was my understanding that banks could not punish me in any way for filing a good faith dispute. Thanks in advance for your 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 monetary relief
Consumer complaint received 2024-07-13 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: MD

Complaint narrative:
DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX - CARD SERVICE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XX/XX/XXXX I was XXXX XXXX XXXX XXXXXXXX XXXX to get some much needed help. No personal items are allowed in the unit. NO cellphones or any devices are allowed. While there my Chime Financial Checking account was drained of {$3700.00}. I did not make these charges, I did not authorize them. I opened this checking account back in XX/XX/year> and funded it the first time on XX/XX/year>. So it's over 30 days old. I was released on XX/XX/XXXX. I seen that a hacker theif stole my money and made fraudulent charges on my account. I immediately contacted Chime Support and filed a disputed explained where I was and it was not possible for me to have made these charges. Six hours later I get a email from Chime saying my dispute is denied and my account would not be credited. I filed the rebuttal and sent my discharge paper proving it was not possible for me to have made the charges since I was admitted to a unit that dont allow personal items or any devices. Chime Support assured me that in fact I was eligible for a temporary provisional credit that would be placed in my account on or before XX/XX/XXXX. Once the bank sees a error was made they have 1 day to credit the account. It's been 2 days. I have a special needs kid, my husband died last year so it's only my income to support us. I explained that to Chime Support I'm going to be evicted if they wait until the XXXX of XXXX to place the credit in my account. Ive called them countless times in the past 2 days trying to get the credit expedited but they keep saying only the back office can do that and only Support can reach them via email. I have begged and pleaded with many different Support agents to get this resolved. Once I sent the evidence proving I was locked up and it could not have been me that made the charges that should have been the time my account was fixed. Well by the next day. That's proving a error was made and fraudulent charges are on my account. Also if a account is new that warrants the 20 days to have it resolved or the tempory credit applied. My account was funded on XX/XX/year> and this dispute was filed on XX/XX/year>. So that's a error as well, they have XXXX not XXXX. Since I proved the that my account was charged while I was locked up shouldnt that mean they have one day to credit my account? Is that not evidence of error? Please help me, Chime won't and I desperately need my money so me my kid are not evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
I had a mortgage and made the first XXXX payments. The loan was then transferred to another mortgage company. My XXXX payments were not credited to my account, as a matter of fact they keep saying that I'm behind XXXX  days on my mortgage. I have submitted proof of payment of XXXX and XXXX 's payments to them in the form of faxes and canceled checks. 

There is no XXXX number. There is no way to contact them except through their website. I have submitted my proof of payments through this website which is in the form of a message. I keep sending them messages asking for status and I keep getting the runaround. I have sent them faxes and also in the mail proof of payment nothing. 

I'm worried about my credit report. I keep getting XXXX XXXX from them telling me that I'm XXXX  days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-13 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: SC

Complaint narrative:
TransUnion has allowed incorrect collections in my account. The reported collection is not my collection. This is the XXXX  time in XXXX months that Transunion allows the same collection to be reported in my credit report. Please remove the collection immediately.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
A third party consumer agency called LexisNexis is intentionally showing a XXXX XXXX on my XXXX record that should not be shown. I was involved in a not at XXXX XXXX in XXXX. This incident should have been removed from my record as of XXXX of XXXX In the state of XXXX a not at fault incident is removed or does not show on the drivers record after XXXX years. 
I am in the process of shopping for new auto insurance coverage and this incident shows up and causes my rate to increase. Also, since it is still showing up, my renewal of my current policy was higher. 
If LexisNexis wants to be in the XXXX XXXX business, they should be required to follow state guidelines when it comes to a person 's driving record. Auto insurance is very expensive and we the consumers deserve every break we have earned.

Company response to consumer: Closed with explanation