vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX  XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CT

Complaint narrative:
I am a member of sweet and cardonna full class and all of my loans payments should be refunded but they have not been refunded. They state they are waiting on my payments from my services but they were my servicer prior to my loan consolidation and I have sent them my payment information from the student aide web and requested a copy of all my payments and refund of those payments as required by the class action settlement agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX, Experian, XXXX XXXX are preventing me from submitting documentation of my student loans which total approximately {$97000.00} and were at one point double reported showing my debt to be around {$190000.00}. The duplicate account was removed. My student loan debt was forgiven in XXXX of XXXX. I have a XXXX balance and my loans are closed under XXXX. I have documentation from XXXX proving this and none of the above mentioned organizations have allowed me to submit it. While my report shows these loans in good standing, my report needs to reflect that I currently have a XXXX balance. In XX/XX/year> I retired due to health issues and my income is a XXXX of what I made before. This amount of inaccurate debt is inflating my debt to income ratio. I am in need of making some life changes due to my retirement and this is interfering with my ability to get a very necessary personal loan. Since my loans were forgiven in XX/XX/year> it's creating me additional hardship because almost one year later my reports do not reflect this and my attempts to remedy it are being ignored. Experian hasn't responded to my complaint that was filed on XX/XX/year> but I have been unable to provide my documentation. I spent several days in the past week in chats with XXXX XXXX trying to get them to attach documentation to my complaint. They just referred me to Experian and XXXX. At this point I am going to mail the documents to them and send them certified mail. Yes a cost to me. I should not have to be dealing with this still almost one year later. Thank you for allowing me submit my documentation.

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
i have submitted an identity theft dispute with XXXX for an account was charged on my credit without my knowledgeXXXX XXXX report says the information was correct, without providing any information regarding who the would-be identity thief is

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 2025-01-10 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:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I received an email on XX/XX/year> from the chime support team stating that they are holding my direct deposit and they asked for proof of a name change, which i never changed my name legally. I called them the same day and they confirmed that they do have my funds and that i need to update my information. I eventually was informed that my middle name was not used for my chime account, but it was written on my check. My first and last name were the exact same for both, the spelling was correct as well. I eventually spent XXXX and XXXX minutes on the phone with them, they made up excuses, lied even though i explained i have recordings of all the calls, backtracked everytime i called them out in their lies and kept stalling time after time. That's not the worst part though, I did my research and chime themselves stated that they CAN NOT legally withhold any direct deposit for any reason. I have emails and phone call recordings where they admitted to having my money however. I eventually received my deposit later that day, however not only did they admit to illegally withholding MY money but they stated several times that they were in possession of my funds. I am not afraid to get a lawyer if needed, however i do expect some type of action to be taken against chime for this matter, what happened is illegal and i wont let it slide. Im willing to settle this without legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year> I initiated a wire transfer from my checking account with Wells Fargo. I wired {$150.00} plus a fee of {$25.00} to XXXX XXXX XXXX XXXX XXXX XXXX About XXXX weeks ago I received a call from the vendor stating they did not receive the funds. I checked my bank statement and verified the deduction from my account. I then called Wells Fargo and informed them what happened. This call was made approximately XXXX days ago and I yet to receive any response from them. When I made the initial call I was told they had to refer it to another department. If this situation was reversed I would be charged fees for late payment. Why does Wells Fargo get to keep my money for an extended period of time without being penalized? They've had a reasonable amount of time to fix this problem.

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 2025-01-10 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: AZ

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have XXXX issues one is I keep getting denied for public service forgiveness, which I absolutely should qualify for. My other issue is my lender has charged an exorbitant amount of interest on my loans to the point where I have paid on these loans for XXXX  years and the balance is actually higher Than the origination amount. I really need someone to look into all the interest that Ive been charged in XXXX years. I only had XXXX years of a forbearance or deferment that alone they tacked on almost {$6000.00} on top of the monthly interest. I shouldnt still owe XXXX grand after XXXX  years of paying on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
My student loan account was placed into a forebearance I did not request ; I made payments during that time. I was advised by the representative that the forebearance would not negatively impact my PSLF payments. When I applied for my PSLF I see the payments made during the forebearance were not counted resulting in an overpayment of my loans and delaying my PSLF effective date. I have contacted mohela since those finding and have been told they cant retroactively remove a forebearance once PSLF has been processed. I would like my overpayments to be refunded. It is gross negligence that representatives provide false information regarding loan status and eligibility and has significant financial consequences for borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have requested for copies of the agreements with my signature proving that the debts are mine through XXXX, XXXX and XXXX. The only thing that I have received are the statements showing what was charged on the credit cards and loans. I filed it under FCRA 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2025-01-10 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: FL

Complaint narrative:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant XXXX XXXX  but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: State Collection Service, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, I requested some information regarding a hospital bill that was sent to collections. I explained to the representative the issue I had. She was very rude, she refused to listen to what my issue was. She was screaming at me in a such of angry manner like I did something very wrong or something like that. I told her that all I asked was for some information regarding my bill. She kept screaming at me with such of hate, to the point that I had to hangup the call. 

This was for SCSI State collection Services inc. 

Phone number : XXXX It's not fair to be mistreated in a such of aggressive manner for no reason. People with no people skills should not be providing customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This debt was XXXX in XXXX its still shows on all my credit profiles which it should not. Also it should not be reporting a balance at all its discharged. i also never received any paperwork stating that this account was discharged from Santander XXXX Account Type : Individual Auto Account Status : Charge off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Terms : XXXX Balance : {$10000.00} Past Due Amt : {$10000.00} Original Charge Off Amt : {$11000.00} Last Payment : XX/XX/XXXX High Balance : {$17000.00} Also my loan fell under litigation from the Santander Predatory Loan lawsuit Consumers may be eligible for the following types of relief : Restitution : Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia. Over XXXX consumers across the settlement states will be eligible for this restitution. 
Who qualifies? You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX and Santander must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator.

How much will restitution be per consumer?

The final restitution amount per consumer is not yet known, but the amount will be at least {$240.00} per consumer. 
When can I expect restitution? 
We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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