vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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:
On XX/XX/XXXX, I sent copies of a paid collection agreement and proof of payment of {$300.00} taken out of my account on XX/XX/XXXX to all 3 credit bureaus XXXX, XXXX and Experian and asked them to please remove collection status to show paid. I disputed 1st with all 3 bureaus to be told that it was investigated and the account was valid, then i sent proof showing that it was in fact paid and they still said the collection was valid. I am trying to purchase a home and this is still showing derogatory. Could you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: AZ

Complaint narrative:
I have sent several letters to Equifax. Starting with a request to validate this debt, I have sent cease and desist letters, as well as a request for the original contract with my signature. none have been received, and demand that they be removed from my credit report. They have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt, so I am here to get a resolution, meaning removal of this debt. 

I have sent a XXXX letter on XX/XX/2024 for XXXX XXXX in the amount of {$14000.00}, allowing them the XXXX of 30 days which is attached, and the account is still reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out regarding my credit report, which contains inaccuracies that require your attention. Specifically, I dispute this account : XXXX XXXX XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am puzzled as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NJ

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/24, I have a XXXX XXXX XXXX XXXX which I got paid. Cash of XXXXXXXX XXXX, I stopped by chase bank in XXXX XXXX XXXX which is the bank. I save around XXXX XXXX to deposit the money of {$5000.00} into my account for payment and other expenses I owe, I use my ATM card and deposited the money, after I deposited the money, the receipt from the ATM gave me show no indication of the amount of money deposited into my account but shows an error that the ATM is broken and do not accept cash show no indication that the money was deposited into my account, either I took a screenshot which indicate the ATM machine is broken. The amount of money was not registered into my account either. I called Chase bank claim department and with the number on the receipt I reported the situation if they can look into the camera and the evidence and the screenshot that I have to deposit XXXX XXXX cash but but the ATM is broken and error and did not indicate the amount of money into my account the claim number was XXXX, they they refunded XXXX but later on after four days went back into my account and took XXXX XXXX XXXX from my account since then I have tried calling Chase Bank claim center to file a new claim. Talk to the supervisor try to resolve if they can put the money back into my account to know avail I spoke to XXXX XXXX and branch manager, XXXX XXXX, and all they said they have closed my case, and they have exhausted all the investigation towards this matter and kept my money. I feel like somebody need to help me, but they have denied all my claim and my evidence that I provided to them and still did not refund me my money back, please I need help because I have just a small business to Survive And And I think they can check the cameras the receipt I showed them and the amount of money they retrieve from the ATM after I reported the incident Thanks XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am part of the XXXX XXXX XXXXXXXX XXXX agreement due to fraudulent practices by my college, XXXX XXXX on XX/XX/XXXX when I enrolled in college, and pressuring me to sign for an unnecessary private loan with Navient. https : //navient.com/about/ The navient loan is crippling me in debt as even though I have been paying for years, the original balance of {$19000.00} is at XXXX as of XX/XX/XXXX and keeps going up. I was falsely promised by XXXX admission counselors that I would be making XXXX XXXX XXXX XXXXXXXX after graduation and was forced to sign for the Federal and then this private loan as well. 

Emails are attached. I am still paying my 20+ yr private loans where I struggled for years to make payments and continue to do so. And this financial struggle continues as I make the private loans the balance keeps going up, while I have a family to support, crippled with bills. The University deceptively and without my consent pushed me to sign for this private loan with Navient and since XXXXXXXX XXXX XXXX  approved it for the federal loans, I am requesting the same with the private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit card was stolen on XXXX XXXX XXXX and several fraudulent charges were made on my Truist credit card. Truist acknowledged that the charges were fraudulent and claimed that the charges would not post to my account, but over {$6000.00} worth of charges did post and they have not reversed the charges four months later. Every time I speak to a customer service rep, they claim that the charges will be fixed in 7-10 business days. This has been going on for four months and nothing has been fixed. My credit score has dropped significantly because of it and they are also charging me interest on those fraud charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

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 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: PA

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Below is an email I sent the bank : I have called for 2 days to see why my payment was returned by you. Below is a screenshot from my credit card company showing the the ach payment for {$150.00} made XXXX was RETURNED by you and I have been charged a {$30.00} return fee. I was told by your representative XXXX at XXXXXXXX XXXX XXXX  that you had a system outage on XXXX  and since the payment was still pending that it would go through. Today I have received from my credit card company a charge of {$30.00} for a reversed payment and this is NOT my fault! There were plenty of funds in the account to cover the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, as my concerns remain unresolved. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite submitting the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to stress that I've already contacted the banks associated with these accounts, submitted necessary documents, and had the accounts promptly removed from their 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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 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 explanation
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, as my concerns remain unresolved. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite submitting the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to stress that I've already contacted the banks associated with these accounts, submitted necessary documents, and had the accounts promptly removed from their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Subject : Request for Assistance : Activation of Tap-to-Pay Feature on Alliant Credit Union Credit Card I am writing to bring to your attention a concern I have regarding the tap-to-pay feature on Alliant Credit Union 's credit card. 

As a valued client of Alliant Credit Union, I have noticed that while the credit card is equipped with chip technology for tap-to-pay functionality, this feature remains inactive. Given the growing popularity and convenience of contactless payment methods, I am surprised by Alliant 's decision to not enable this feature. 

In today 's fast-paced world, contactless payment options have become increasingly important, offering a convenient and hygienic alternative to traditional payment methods. With the tap-to-pay functionality, transactions can be completed quickly and securely, benefiting both customers and merchants alike. 

I kindly request your assistance in urging Alliant Credit Union to reconsider their stance and activate the tap-to-pay feature on their credit cards. Doing so would not only enhance the overall user experience for their clients but also align with the industry 's shift towards contactless payment solutions. 

Thank you for your attention to this matter. I appreciate any assistance you can provide in addressing this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MOHELA
State: IL

Complaint narrative:
Good day, When it was suggested to apply to the SAVE program, I applied but was denied. When I contacted Mohela, I was told that my income was too high.

I was sent a query about Mohela 's handling of my loan. I shared that I was denied the SAVE adjustment and was concerned about the reported qualifying payments for two loans. Initially, the platform showed that I had XXXX qualifying payments with XXXX  verified payments, XXXX  payments that required employment verification, and XXXX ineligible payments. I shared that I have sent in my employment verification several times with no resolution.

About a week or so back, I received an email that I would have a new loan servicer so I should download my information from Mohela. When I went back to the platform, my loans now showed XXXX verified payments, and XXXX  payments needed. 

I do have screenshots from the platform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I attended a college that was fraudulently pushing degrees and were advocating for students to take out more then they needed to pay for what ever they wanted. The college also knew I signed up for XXXX XXXX degree but after I started the next semester they discontinued the degree program. Navient has taken over all my loans and I even filed bankruptcy in 2016 but still owe. The interest is double of what the tuition was and they kept telling me I could keep going in to deferrement if I wanted but didnt explain how much it would cost me in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12 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: WI

Complaint narrative:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
There reported a closed account on my credit report and the date and amount not accurate and it reported on my credit two times

Company response to consumer: Closed with explanation