vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: OH

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-12-28 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: OH

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by Destiny 's website for their privacy policy. Requested to opt out of Destiny/ Concord Credit sharing my non public info. The representative I spoke with whose name is XXXX XXXX XXXX XXXX told me there was no opt out option available. This interaction took place XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
My Mortgage has been paid in full and still on my credit report as open and it should be closed. 

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
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
My Mortgage has been paid in full and still on my credit report as open and it should be closed. 

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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MA

Complaint narrative:
Someone opened a chime account using my PII without my knowledge or authorization. Chime would not share any details with me unless I provided my PII which I refused. It began on XX/XX/. 
XXXX ) XX/XX/XXXX  email from : XXXX " Your card is on the way '' They sent a debit card with a coupon slip with my name and their bank account routing and checking - set up as a payroll deposit slip for me to sign - I saved the card and letter 2 ) XX/XX/XXXX  email from XXXX - " Set up direct deposit '' - asking me to click through to set up my direct deposit account 3 ) XX/XX/XXXX  email from : XXXX - " password associated with my chime account has changed '' 4 ) XX/XX/XXXX  email from XXXX - " phone number associated with my chime account has changed to XXXX. 
5 ) XX/XX/XXXX  email from XXXX outlining what I need to provide ( PII ) to get any information on the account that was set up- I had sent several emails to inform Chime that this was fraudulently set up with my PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX bank atm took {$110.00} cash deposit, gave an error message, and did not give me a receipt or credit the funds to my checking account. I opened a dispute with the bank on the morning of XX/XX/XXXX. I have made multiple phone calls every day since the XXXX trying to get my money back or my account credited. Not one person has been able to tell me where my money is, nor has my account been credited. Since this was an error on the banks end, not my own, my funds should have been credited to my account the day I reported the stolen deposit. Every single person I have dealt with at the bank dispute department has been openly rude and careless. Photo attached is of the exact atm in question approx 1 minute after the theft occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
My identity was stolen in the form of someone renting an apartment in my name. Columbia/Genesis Debt Collection is attempting to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-28 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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-28 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-12-28 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: Nelnet, Inc.
State: NC

Complaint narrative:
I have had to call Nelnet 5 times, about the same issues, regarding my repayment plan. Each time I call the wait time is close to 2 hours long, and I receive different answers from each representative I speak to. On top of this, each time a representative gives me information, nothing of what we spoke about actually happens on my account leading me to have to call back again, over and over. I was initially told that all groups of loans will be placed on an extended graduated repayment plan and the total of the payments will be {$290.00}. This has changed several times since I was told this on XXXX The payments have jumped to over {$570.00}, then reduced but still higher than the initial amount given to me on XX/XX/. Then I was given completely different information and amounts of what the payments will be. Literally, each time I speak to a representative, the amounts and information provided to me are completely different. I want resolve. I want a payment that I can afford so that I can make them timely each month. I want what I was told would happen to actually occur on my account. I was told, {$290.00} TOTAL - this includes all groups of my loans, on the extended graduated plan. The amount of time, anguish, irritation, effort, etc. that I have to put into getting accurate information for my loans is absolutely ridiculous and unacceptable. Nelnet is a student loan servicing company contracted by the Department of Education to service direct and Federal Family Education Loans. However, it seems they are severely understaffed as well as not fully equipped or trained as to how to properly service, process, and execute the information provided to customers about their loans. I want resolve. I want to not have to spend time each week, holding for almost 2 hours each time, just to be told different information than the last time I called. I want the total payment that I was told I would have of {$290.00} TOTAL which is inclusive of all my groups of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX  I purchased a watch online from XXXX XXXX in the amount of {$5400.00}. When the watch hadn't arrived in six weeks and the company couldn't tell me when it would, I filed billing dispute XXXX XXXX  with Citi Cards on XXXXXXXX After providing a conditional credit for the full amount, Citi clawed it back stating I had not provided sufficient information even though they had the original receipt for the purchase along with an email from XXXX XXXX stating they agreed to cancel the order and refund my credit card. No refund has been received as of XXXX 

Subsequent multiple contacts with Citi Card 's dispute dept. usually results in sympathetic expressions, contradictory requests for either more documentation which I have submitted or an indication that I have submitted too much documentation, and a promise they would communicate their support to the " investigator. '' Ten weeks have passed since the original dispute with no resolution nor a timeline for when one would be forthcoming. 

As a consequence, I can't help but feel victimized twice, first by XXXX XXXX which has agreed to issue a refund but failed to do so, and now by Citi Cards which has failed to clearly lay out an adjudication process and has provided no protection for this purchase despite the fraudulent behavior of the merchant.

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 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: SC

Complaint narrative:
Went to transform credit to get a loan to clear credit card debt. Was told that I qualified with a co-signer advised them I dont have one and they still have been charging me a {$5.00} fee monthly for the same amount loan I didnt get or have any access to. Per 15 usc 1605 ( 2 ) ( 3 ) finance charges ( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

Never gave me any credit so Im charged for an extension of credit I never recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
This is a complaint against a company called Credit Fresh, an online installment loan company. 
I obtained a loan from them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I revoked permission for them to automatically deduct payments from my checking account. 
My payment due date was XXXX XXXX XXXX However, in Texas, by law, all installment loans have a 10-day grace period and late fees may not be charged until 10 days after the due date. I had until XX/XX/, to pay them without penalty. This is why I withdrew my ACH withdrawal permission. 
On XXXX XXXX XXXX despite my revocation of permission, they went ahead and illegally withdrew {$100.00} from my account. I contacted them and demanded that they return the money immediately, pointing out that I still had 10 days to pay them without penalty. They denied having received my written revocation. 
After an exchange of emails over several days, on XXXX XXXX XXXX they admitted that they had received my original revocation email and promised to return the funds they had stolen from me. They claimed they could not do this immediately as their bank had not confirmed the payment yet. They promised that they would return the funds or update me within 2 to 3 Business days. 
By XXXX XXXX XXXX 5 business days later, they still had not returned the stolen funds or contacted me with an update on the situation as promised. I contacted them and they responded with an apology and said they would address the matter right away. 
Today is XX/XX/, 5 days later, and they still have not returned my funds nor have they provided an explanation why they havent. 
In addition, I checked my account status shortly after the theft and it showed a payment of {$100.00} and {$20.00} of available credit. However, my current statement dated XXXX XXXX XXXX fails to show this stolen payment and {$0.00} credit available. 
I believe their initial illegal withdrawal on the XXXX and their continued lying to me about resolving the situation constitute a material breach of our contract and entitle me to monetary damages under federal law.

Company response to consumer: Closed with explanation