vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
I would like to make a complain about Equifax. I am trying to check the status of my account and there is no way to do so. I tried calling them and I was unable to get through to them. I am unable to connect to someone who will help my situation. 

I do not think its fair that one of the 3 major credit card Bureaus has such terrible customer service when they affect the lives of so many. 

Ultimately I want to unfreeze my credit from Equifax as it is frozen now. I can not do so if I can't even log into my account. I have tried logging in from different computers, phones, and web browsers. I feel the only way to fix this is to talk to a rep from Equifax. That may seem like a simple solution but it's very difficult to talk to a person from Equifax who can help my situation. 

I have read reports onlne that it can take weeks to even months to log back into your equifax account. 

I have had this account for over a year now. My information is accurate as I get regular credit reports from Equifax as well from XXXX and XXXX. 

I do not know why I can't freely checked the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I MAILED A VALADATION LETTER TO THE COMPANY 'S ADDRESS ON CREDIT REPORT, INCORRECT COMPANY ADDRESS REPORTING. THE LETTER RETURNED BACK TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Nelnet, Inc.
State: GA

Complaint narrative:
ON XX/XX/XXXX I CALLED NELNET AN REPORTED THAT MY STUDENT LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I request the removal of the late payment remarks and an update to reflect the accurate status as current or paid as agreed.

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 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
Around XXXX XXXX  tonight I noticed a transaction on my chime Checking account for " {$150.00} money transfer to XXXX XXXX using the pay anyone feature ''. The transaction was done at XXXX XXXX  on XX/XX/2023. I did not make or authorize this transaction. 
1. At XXXX XXXX  the same day I was at tmobile shopping for an upgrade on my phone. I paid my phone bill while I was there usimg my Chime card. That transaction was at XXXX for {$110.00}. 
2. The XXXX store was very crowded. I had placed my phone on the glass display case for some time while I browsed over the new phones. 
3. I came home around XXXX XXXX  and did not use my card again. The last transaction was at XXXX XXXX..the XXXX phone bill. 
4. I started to pay my bills around XXXX when I noticed the unauthorized transaction to XXXX XXXX . 
5. I immediately locked my account. Then I called Chime to attempt to resolve this issue. 
6. I was routed through 4 different operators whom all spoke very broken XXXX. 
7. I asked if they could lock the unauthorized recievers account. Since the transaction was through Chimes " pay anyome '' peer to peer payment option, Chime has the advantage of having the account information of the person who received the unauthorized payment. They said they could not do that. So I asked them to send a notification to that account. They said they couldn't do that. I asked if they could alert the fraud department that there is a Chime account that is receiving stolen money. They said that wasn't possible. They did assure me that " they understand how I feel '' 5. Chime created a dispute bit told me that since it was a peer to peer payment, I shouldn't expect my money to be refunded to me.. '' Have a XXXX XXXXXXXX and XXXX XXXX XXXX 'XXXX 6. My account clearly shows that I have never used Pay Anyone. I asked if Chime could remove that feature or disable it from my account and they said they couldn't do that. 
7. I was able to submit a money request from the person who received the unauthorized transaction. I requested {$150.00} dollars from XXXX XXXX and was able to send a message with the request. The message was to repay my money and I notified him that I was reporting the transaction. 
8. I will be following up with a police report. 
9. There are no XXXX XXXX on my XXXX  or my XXXX XXXX so I have no associations with a person with that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-05 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-05 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: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX  | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX XXXX  Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
I was initially assigned to XXXX XXXX XXXX for my student loan repayment during my time in graduate school. Due to the restructuring of the Student loan system, I was reassigned to XXXX XXXXXXXX, then ED Financial before finally being reassigned again to ED financial on XX/XX/. Then again to ED economic a third time. 

Interest rates restarted XX/XX/. 

I have had my additional student loan payments reversed and had to pay additional interest I would not have needed to pay due to payment reversals. 

The first occurrence occurred before student loan interest started to accrue. This happened on XX/XX/XXXX   when I made a payment of XXXX, a payment of reversal occurred for {$2000.00} the same day XX/XX/. 

Payment on XX/XX/XXXX   for {$8700.00} was made ad a payment reversal occurred on XX/XX/XXXX  for {$370.00}. 

I made my third final payment to pay off all of my student loan balance on XX/XX/XXXX   for {$1000.00}. It was entirely reversed on XX/XX/. As of XX/XX/2023 at XXXX XXXX, I currently have a total current balance of {$1000.00}. XXXX $ of interest that I have necessarily paid on top of interest accrued when my prior payments were made on XX/XX/2023. 


I have sent ED Financial a message on XX/XX/2023 due to the face they lacked a contact page or email for me to contact them in regards to this issue. I find it unacceptable that they selectively cause payment reversals, leading me to pay unnecessary interest when I make additional payments throughout the month to bring my principal balance down so I can reduce interest fees from accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My bank accounts information got hacked and the people who stole my credit card information, spend total around XXXX using my credit card since XXXX. The people also hacked my checking and savings account, and used my money to pay off all the credit card transactions that wasnt made by me.The people are very sneaky and set up my credit card as auto pay, so every time when I log into my online banking, the credit card balance always shows as XXXX. Because he only hacked my bank account information, and I still physically have the card, so with the balance XXXX and barely using the card, I never thought my bank information got stolen. I filed a fraud claim after I found out my bank ( Wells Fargo ) information got stolen, but they have rejected my claim and insist since I already paid off all the purchases that was made by someone else within the credit card, so they are not refunded any money back. I communicate with them serval time and even filed a police report, indicating that is wasnt me paying off my credit card, is the people also stolen my check and saving to pay off the credit card. My bank still wont be able to help me, and even dont inform me the final decision. I have to reach out to them and keep calling them in order to get a status. I really wish CFPB can help me, since XXXX is not a small amount for our family. Thank you.

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 2023-12-05 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: AZ

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX  : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks. 

Protected by XXXX. 
Copyright 2023 Client Dispute Manager Software. All rights reserved. This XXXX XXXX XXXX is protected by 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 2023-12-05 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: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: AZ

Complaint narrative:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX  I received a email from PayPal stating that they closed my account because looks like someone underage or not in the country where PayPal service.No other issues I think my account was wrongfully close because I am well over XXXX even when I created the account I was over XXXX. I have provided PayPal with my ID and social security card before they decide to close the account so they know I'm not underage and they know I live in the USA.I have a balance in the account which they are holding my funds treating it as a seller 's account when it's a personal account I am not a seller.I have read PayPal disclosures I have not went against there rules and regulations for my account to be terminated.

Company response to consumer: Closed with explanation