vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: TX

Complaint narrative:
EdFinacial Services Account # XXXX ; EdFinacial Services Account # XXXX ; Department of Education Loan Identification # XXXX ; Department of Education Loan Identification # XXXX All Mentioned Debt in the amount of {$2900.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has Been Paid & Discharged Via IRS FORM 1099 Cancellation of Debt on XX/XX/year> I received a IRS 1099 Cancellation of Debt Copy B Form in the Mail ; immediately Update the Accounts Mentioned ; to Paid in Full with a Balance of {$0.00} in accordance that the accounts have been Lawfully Discharged Via 1099 Cancellation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: NE

Complaint narrative:
I beg you please remove this from the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps showing a duplicate from my XXXX that was opened on XX/XX/XXXX, current amount due is {$800.00}. They keep showing this account twice, which is lowering my credit rating. I first filed a dispute with XXXX XXXX who says they are only reporting the one account once, and that I must go to Experian to get this fixed. But Experian keeps opening the dispute and then closing it without correcting the problem. I've disputed this 4 times already they aren't even really looking at it or they would easily see it is a duplicate. ( Same date opened, same exact amount owed, same payment dates ). I've copied and pasted below. The last report number is Report XXXX XXXX. This is really hurting my credit and I don't know who else to report this to since both XXXX and Experian are blaming the other party. 


Account info Account name XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$800.00} Balance updated XX/XX/XXXX Recent payment {$30.00} as of XX/XX/XXXX Monthly payment {$30.00} Original balance {$910.00} Highest balance {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 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: CA

Complaint narrative:
I saw an unrecognized transaction on checking account for {$99.00} and immediately alerted Chime. Received a response that an investigation by Chime found no error, meaning they thought this charge was valid.

The description on the charge had been noted as General Merchandise. 
If I had purchased anything there should be an order/invoice to support the purchase as well as a packing slip, shipment tracking and such. None of these items were provided to me. 
I received an email telling me Chime no longer used email for disputes and I needed to call. 
I called and was instructed by a member of the dispute team to email proof I did not make the purchase. 
I explained over and over it was an impossible request - since the vendor when I searched XXXX for the name - didnt exist and I had no way of knowing who or where they were and what they claimed was purchased. 
She insisted I needed to give documents to support my claim and the only thing I could come up with was a screenshot I had taken of a local newscast showing police activity where our family used to live. I had taken the screenshot to send my adult kids as they would likely be interested in seeing. 
So, along with a description stating this was the best I could do to show what I was doing near the same time as the charge happened I emailed the screenshot along with their reference number Id been given and got a reply stating I needed to call. So I called again and was instructed to send an email. I stated Id already done that. I sent email again explaining Id already submitted this info. The email instructed me to call. I replied stating I had been told to send info. Was again told Id have to call. 

This happened - a circular event of call us, Id call then theyd say send an email. Id send an email to the company at the address theyd provided and get the form letter telling me to call. OVER 25 times. 

Out of desperation I looked up their Board of directors on XXXX so Id have a way of bypassing the offshore call center that did not seem to understand any of this issue. 

I emailed the CEO, XXXX XXXX. Didnt get a response. 

What do I have to do to have this company actually investigate and provide the simple backup to their investigation? The only backup I ever got was the intake form which documented the info I had given them initially. That is wholly unhelpful as there was no information regarding what company name actually is, an order/invoice form, where it was shipped to. 

I know I did not make this purchase but Chime has arbitrarily decided I did and cant prove it, at least from what I can tell. 

I need my {$99.00} back in my account as I am on SSD fixed income. 

I am attaching the transaction information seen on my account. This is the entire amount of info I have. 

How can I prove I didnt make this charge in a way that will make Chime refund my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am attempting to obtain a mortgage loan. The bank requested my credit scores from all three credit agencies XX/XX/year>. Only XXXX posted my scores. I assumed my freeze on the acct was to blame so I unfroze everything for approx XXXX days. ( twice actually ) During this time a credit check was made, and again even though the accts were unfrozen they did not provide any score. I have had auto loans and a long credit life however they came back with a statement about me having no credit history-that is a lie. XXXX had a score reported for me on XX/XX/year> of XXXX, and the others are hiding my score, they want money to access my credit, and will not report my scores to authorized people I had pull my score. I have all freezes lifted permanently now. 
TransUnion is blocking me from accessing the website, they say I have to call, I do and get a phone tree with no resolution. I am still unable to access my account after several calls. Again, the XXXX are not reporting my correct credit either, they claim I have none despite a long auto loan. 
I believe that TransUnion and XXXX companies are extorting people for money to have their credit scores accessed. XXXX XXXX has scores up, but no one will use them.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am attempting to obtain a mortgage loan. The bank requested my credit scores from all three credit agencies XX/XX/2024. Only Equifax posted my scores. I assumed my freeze on the acct was to blame so I unfroze everything for approx XXXX days. ( twice actually ) During this time a credit check was made, and again even though the accts were unfrozen they did not provide any score. I have had auto loans and a long credit life however they came back with a statement about me having no credit history-that is a lie. Equifax had a score reported for me on XX/XX/2024 of XXXX, and the others are hiding my score, they want money to access my credit, and will not report my scores to authorized people I had pull my score. I have all freezes lifted permanently now. 
XXXX is blocking me from accessing the website, they say I have to call, I do and get a phone tree with no resolution. I am still unable to access my account after several calls. Again, the XXXX are not reporting my correct credit either, they claim I have none despite a long auto loan. 
I believe that XXXX and XXXX companies are extorting people for money to have their credit scores accessed. XXXX XXXX has scores up, but no one will use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my 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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
In XX/XX/XXXX, I attempted to make a ATM withdrawal from a local bank. The ATM told me the transaction was cancelled without a explanation or my money. I waited for the ATM to go back to the home screen, when it did, I departed without any money. I filed a dispute with Chime the next day after the occurrence, because the representative from Chime on XX/XX/XXXX told me to wait until the transcation settled before filing a dispute. My I initial dispute was denied within XXXX hours. I called Chime and the owner of the ATM and the owner of the ATM told me the machine was balanced on XX/XX/XXXX and they noticed there was average of {$500.00} on my account and notified Chime, yet Chime still ajs not deposited my mo ey in my account as of XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
I took out a loan from this company in XXXX. I had previously done business with them and paid all previous loans on time as agreed. Shortly after taking out this particular loan, my bank account information tied to my automatic ACH/debit payments was compromised, so I notified Possible to postpone the scheduled payments until I could get a new bank account and debit card issued to connect to my account to make payments. I was offered the option of paying by money order, which I did not want to do. On XX/XX/2023 I received an email regarding my payment status, which clearly stated that I could use the Possible Finance website to submit my remaining payments. It took a few weeks to get my new account information, and on XX/XX/2023 I received an email stating that my account needed to be paid in full by XX/XX/XXXX in order to avoid charge off. Again, it referred me to their online services department to remit payment, which I did. I logged in and paid off my loan in full on XX/XX/2023. I did everything on my end, but this company failed to process my payments for over 10 days, which put it past the XX/XX/XXXX deadline for the chargeoff. I called and emailed multiple times prior to XX/XX/XXXX to see why they had not processed my payment and closed the loan on the XXXX and I was told that they wanted me to pay by money orderdespite having sent multiple emails advising me to pay online via debit card. This has resulted in a derogatory mark on my credit and I am in the middle of trying to buy a house for my family. I have all of the documents to back up my claim that the loan was paid on the XXXX, and then they CANCELLED my payments over a week later in order to charge it off. I want this removed from my report immediately to reflect the account being paid as agreed and NOT CHARGED OFF

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 XXXX : # XXXX has violated my rights. 

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 explanation
Consumer complaint received 2024-04-29 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: MI

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates LLC placed a collection on my consumer credit file with all three credit bureaus. I was not aware of this item until it was reported and I saw it via an online report in early XX/XX/XXXX. On XX/XX/XXXX I sent a request for debt validation certified with a return receipt. The return receipt is dated XX/XX/XXXX with signature. They stated ; The following information is being provided in response to your recent communication concerning the account referenced above. Account number XXXX by the Seller to PRA, LLC on XX/XX/XXXX. at the time of the sale, the seller provided an electronic file of its business records containing information concerning the account, a summary of the account can be found below. Please contact us if you would like to receive a payment history to this account since our company purchased this account. 

pursuant to usc 15 1692g I am requesting the company known as Portfolio Recovery Associates LLC stop reporting this inaccurate information to my consumer credit file 's. they did not supply me with the requested information to prove I owe this money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MO

Complaint narrative:
PLEASE BLOCK AND REMOVE Please urgently address the removal of the unauthorized inquiries from my credit report, as they are causing me significant distress and were not initiated by me.

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 2024-04-29 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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