vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to 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 explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The problem specifically is with Chase Bank. 
I have rental management company and receive the tenants deposits into my bank escrow account every month ( this account is not in Chase Bank ). Some of my Landlords interacted me to deposit their rental proceeds into their checking account. Some of them have checking account in Chase Bank. 
Here it is the problem : During the las 3 o 4 months of 4 deposits that I monthly made into my Landlords ' accounts in Chase Bank, at least 1 deposit is put in hold. It's randomly, one time is this Landlord account, the next month is other Landlord account, etc. 
The amount of the checks are around +/- {$2000.00}. 
When you ask why the reason of the hold, the bank representative say that he/she does not know the reason. 
As a consequence of this actions I had ta ask to reversed the deposit on hold go to my bank and ask for a cashier 's check an d deposit again in Chase Bank. 

I deposit other checks in XXXX XXXX XXXX XXXX XXXX XXXXXXXX banks without problem. 

I just reported this situation because this is not normal. What it is certain is that when it happened to me the 1st and I decided to deposit the check and accept the hold the money was withdrew from my account the next day. However Chase bank was playing with the money for more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
In XXXX i noticed that i had an account that i didnt recognize, after some investigation i found out that my XXXX XXXX opened it without my knowledge. This is clear and cut identity theft and i have done everything they asked me to do but they still havent removed it from my credit

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 2024-06-05 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:
In XXXX i noticed that i had an account that i didnt recognize, after some investigation i found out that my XXXX XXXX opened it without my knowledge. This is clear and cut identity theft and i have done everything they asked me to do but they still havent removed it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MO

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.

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-06-05 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: MO

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.

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-05 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
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 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  I look at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable procedure to assure maximum possible accuracy of the information concerning that individual about home report relates according to 15 USC 1681 ( e ) ( b ).

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 2024-06-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-05 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: CA

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 XXXX5 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
This is my formal legal statement of debit card XXXX  that took place on my CHIME XXXX Debit card account ending in XXXX  XXXX. My debit card was XXXX  & used without my authorization. I contacted Chime customer service ( XXXX XXXX XXXX, XXXX ) within XXXX business day of identifying that the XXXX  transactions had taken place. I also had my phone XXXX  as well and reported this to local law enforcement. Report attached. 

The XXXX XXXX XXXX ( Chime bank ) Is in clear violation of EFTA law & XXXX XXXX XXXX XXXX XXXX listed on their website since they are denying the debit card dispute claim XXXX  so we will be pursuing this further since we have evidence that a crime took place with XXXX  phone & XXXX  debit card amongst other things that were XXXX. XXXX I've reached out to legal counsel on this matter and have been provided with next steps regarding my rights and EFTA Regulation E and have contacted local law enforcement and that statement has been legally documented as well and recorded in the report. 

Additionally please note that I've requested that surveillance footage be pulled at these merchants to identify who used the XXXX  debit card and what signatures were used so that we can press charges. 

Claim : XXXX XXXX  debit card ending in : XXXX Date XXXX  Tansactions Reported : XXXX XXXX business day after the XXXX  had taken place. 

Statement of facts : On Monday XX/XX/year> I discovered my debit card was missing and I identified that it had been used without my consent. XXXX transactions. Totaling {$360.00}. Transactions listed below. I immediately contacted CHIME customer service via phone to report the XXXX  on Monday XX/XX/XXXXXXXX XXXX XXXX XXXX pm cst and the representative took down the report and started a debit card dispute XXXX XXXX. 

Please reverse the charges back into my checking account in accordance with XXXX XXXX XXXX XXXX XXXX & EFTA regulations. I have reported the XXXX  within XXXX business day of the debit card XXXX  taking place and have filed a police report as well. Police report tracking XXXX XXXX filed with XXXX police department. Additionally please investigate the signatures that must have been used to sign off on these charges as this is also a crime. 

XXXX  debit card transactions : MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that my debit card account is replaced and all XXXX XXXX  debit card charge totaling {$360.00} are credited back into my account in accordance with EFTA & XXXX XXXX XXXX XXXX XXXX. These transactions were not done by me nor anyone that I know but I will be pressing charges if police is able to retrieve my property that is missing, including phone and CHIME debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed had i had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to receive any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within XXXX days this has been over XXXX months and still have conflicting information and have not provided proof this belongs to me. I am contacting a lawyer to represent me if this is not addressed, and account is removed from my credit report for XXXX  distress and punitive damages due to not being able to purchase my home from this false account I never took out. I have never conducted any business nor paid anything to this company.

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 2024-06-05 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed had i had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to receive any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within XXXX days this has been over XXXX months and still have conflicting information and have not provided proof this belongs to me. I am contacting a lawyer to represent me if this is not addressed, and account is removed from my credit report for emotional distress and punitive damages due to not being able to purchase my home from this false account I never took out. I have never conducted any business nor paid anything to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Nelnet, Inc.
State: VA

Complaint narrative:
I began making payments using the Nelnet website in XXXX XXXX each time I submitted an online payment a confirmation was emailed to me. After two months of making these online payments, I then received an email saying my account was delinquent.

After waiting approximately one hour on the phone, I was finally able to get a person to speak to. This person confirmed my account was past due and admitted that they noticed I had attempted to make payments. They offered no real solution other than to check my account information which was correct. I was able to make a payment at this time successfully.

After the situation, I decided I would no longer use the website. The following month I once again called the provider to speak to a person and pay that way. I was once again successful.

My confidence grew in the organization and so I decided to make payments using the telephone automation. I made two consecutive payments using this method and received confirmation on each occasion. However I received an email the following month that my account was placed in forbearance for non-payment. 

Nelnet has not provided any insight as to how this is occurring. Several employees informed me that my payment information must have been incorrect as they could not locate the account. I have verified it several times and each time it was the correct information I spoke to my bank ( XXXX XXXX ) and solicited advice. They advised me to set up online payments through them instead of Nelnet. I attempted to do this, however I needed more information than my account number. Nelnet refused to give me this information and told me to handle it all through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank closed my account while I still had funds in them. The closed my account at the beginning of XXXXXXXX XXXX XXXX. After 9 months I have still not received my funds. I asked Chase about my funds and they said they where holding them indefinitely. I had {$16000.00} in my individual account XXXX XXXX XXXX XXXX I also had {$2400.00} in my joint account. I have contacted Chase many times they refuse to send me the remainder of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a collection accountS labeled XXXX LOANMARTXXXX XXXXXXXXthat has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation