vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I finally got a response back from Chime just to keep giving me the run around about an ID and Drivers License! I had to get a new license due to it being expired and they told me that it was ok if I sent them the Temporary IDs front and back.But when I send them they keep lying and asking for different backgrounds wasting hours out my day! Is this legal cause I sent them a Letter of Intent that my lawyer told me to type out and they keep saying in order to reopen send the same items several times! Im truly traumatized by this situation!!! This can not be legal! I understand now that this isnt a bank but I sent them everything and dont know what else to do besides make a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
These requests are not approved by me and are irrelevant to my monetary exercises. I demand their prompt expulsion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork? Some of the mentioned accounts are erroneous concerning 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 2024-03-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
First I want to bring to your attention I have been battling this issue since XXXX ( per ) XXXX supervisor at XXXX AND XXXX EQUIFAX on XX/XX/XXXX. THAT SAYS ALOT. 

on XX/XX/XXXX I spoke to XXXX different reps at EACH company addressing the FCRA VIOLATIONS XXXX AND EQUIFAX is under. ( trying to help them fix the problem. THEY CHOSE NOT TOO. 

on XX/XX/XXXX I for the last time called and explained they are reporting information on my credit report AGAINST MY RIGHTS. WHY IS IT STILL REPORTING? THEY ( EQUIFAX AND XXXX WOULD NOT ANSWER THE QUESTION. 

on XX/XX/XXXX I spoke to a rep name XXXX who told me she could not help me and she had no supervior to speak with. ( EQUIFAX ) ON XX/XX/XXXX XXXX. I SPOKE TO A REP at XXXX NAMED XXXX. she told me after i explained to her the violations being held over XXXX. to file a CFPB COMPLAINT. because she was not authorized to remove the account. 

this account is a XXXX ACCOUNT. I HAVE EXPLAINED TO THEM THE REFERENCE NUMBER WAS WRONG. 
-THE FILING DATE IS WRONG -THEY WILL RESPOND AND SAY THEY VERIFIED THE INFORMATION WITH THE ( XXXX COURT ) - I called the XXXX COURTS and they stated " they do not at all verify or communicate with the CRA '' THEY SENT ME A LETTER EXPLAINING THAT CONVERSATION. 
-THE LETTER WAS SENT TO BOTH EQUIFAX AND XXXX. 

THEY HAVE VIOLATED FCRA LAWS, MY RIGHTS, AND DAMAGED MY CREDIT REPORT. DUE TO NOT FOLLOWING THE LAWS. AND BLANTLY LIEING ON THIRD PARTIES WHO DO NOT AT ALL HAVE THIS INFORMATION. 

- THEY NEVER COMPLETED A FULL INVESTIGATION -THEY WILL IGNORE MY LETTERS WHEN I ASK FOR THE METHOD OF VERIFICATION -THEY WILL IGNORE THE FCRA LAW THAT SAYS PROVE IT OR REMOVE IT. 

- THEY IGNORED 15 U.S.C. 1681 ( T ) RELATION TO STATE LAW -THEY IGNORED 15 U.S.C. 1681 ( B ) PERMISSIBLE PURPOSE TO CONSUMERS REPORT.

THEY HAVE IGNORED AND OVER LOOKED EVERYTHING I ASKED OF THEM, EVERY VIOLATION I POINTED OUT, AND WILL ( PERIODICALLY VIOLATING PAST THEIR 30-45 DAYS INVESTIGATION TIME ) RESPOND WHEN THEY FEEL LIKE IT THROUGH EMAIL/LETTER SAYING " ACCOUNT VERIFIED '' I WILL ASK METHOD OF VERIFICATION. NO RESPONSE. 

AT THIS POINT I HAVE BEEN VIOLATED MY RIGHTS. AND THEY HAVE ABUSED FCRA LAWS AND SYSTEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo keeps a record of logins into an online bank account. XXXX dollars was illegally withdrawn in wire transfers from my bank account by a XXXX XXXX. The bank has made many claims I made these transfers without proof to that fact. Which in fact I had never met or done business with a XXXX XXXX so their claims are false. The money was stolen from me and it is the banks responsibility to reimburse funds that are fraudulently taken from a consumer. If theyre werent laws and regulations protecting consumers anyone could just steal from anyone. Wells Fargo let this person take my money and is covering it up. They never opened a new account for me they refused to do business with me after I submitted a fraud case. They have still not refunded my money to me and persist to use the same letter sent to me right after my fraud case was dismissed by them as evidence to support their case this is not evidence that I made these transfers. I want a check in the mail for the money that was stolen from me immediately because the bank can not prove beyond a reasonable doubt that I made these transfers. This was fraudulent activity not me doing business with someone I never gave authorisation to use my account and transfer money from it. This was fraud and it took me a month to earn that money from my place of employment. Are you going to let this bank take advantage of hard workers?

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 2024-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Foursight Holding LLC
State: TX

Complaint narrative:
Hello. 

FOURSIGHT CAPITAL LLC has engaged in unlawful repossession in the state of Texas. Per Texas law, a valid lien must be on the vehicle or there must be court issued order ... FOURSIGHT has contacted a 3rd party company to unlawfully steal ( repossess ) my personal property. 

I was not given a court issued order nor is there a valid lien on the vehicle, not only because financial institutions CAN NOT own property, but also because I have a certified UCC-11 search ran on FOURSIGHT CAPITAL LLC & FOURSIGHT RECEIVABLES LLC it came back proving there was already a lien between FOURSIGHT RECEIVABLES LLC the depositor of the retail installment contract, FOUSIGHT CAPITAL AUTOMOBILE RECEIVABLES TRUST XXXX & XXXX. This constitutes an invalid lien being on the TITLE of the property, NOT the property itself.

I notified FOURSIGHT they were not the current servicer of the note, therefore had no rights to enforce. Also I notified FOURSIGHT more than XXXX times that their security interest given in assignment of the contract was REVOKED. FOURSIGHT ignored. 

When I spoke with a representative of FOURSIGHT, I was told that I had to email the XXXX in order to pursue any legal action & was not given a legal department address to contact. I also emailed FOURSIGHT requesting arbitration & FOURSIGHT also ignored this request as well. 

FOURSIGHT has committed identity theft by providing a XXXX party with my personal & private information to come to my private residence & take my private property. This not only places me at risk, but also my family. This is also in direction violation of title 15 section 6802. This has made me feel unsafe & resulted in my family moving to a new place of residence, which I also have proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


XXXX. ( XXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX OPENED XXXX/XXXX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX  XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B

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 2024-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today, I logged into my Capital One Account to pay my XXXX credit cards. Upon logging in, I received a notice both my accounts were restricted. I called into Capital One to inquire into this, but was not given any information for the cause. Just told I would need to send in XXXX sets of very sensitive information. Including my ID, Social Security Card, and unredacted XXXX party bank statement, showing the full account number. 

This is highly unusual, and represents a major security risk. While, I have no problem verifying my identity, and no problem providing my drivers license, and verifying my identity through more secure methods, which do not represent such a security risk, I am not willing to provide Capital One with my full bank statements and enough data to allow anyone who might intercept or view such documents with so much sensitive information putting my other accounts in danger, or taking the risk of someone using this data to open accounts w/o my knowledge or approval. 

I've never had a bank request this much information, usually there is a way to verify via txt message, answering security questions, or other methods that do not fully compromise my identity, giving the bank unrestricted access. 

Especially not when I haven't even received written notice, any explanations, or documentation of any kind regarding this unknown issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: VA

Complaint narrative:
I'm not associated with these loan creditors, and I didn't begin the enquiry. I'm requesting that you get them out of my credit report right away.

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 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. 

1. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXXXXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B

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 2024-03-29 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: IA

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 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 2024-03-29 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: IA

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 explanation
Consumer complaint received 2024-03-29 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: OK

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-03-29 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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/2023, a payment was made ( {$2500.00} ) on my loan account that resulted in XXXX of my loans having a negative balance. 

I have two loans now, one of which is positive and the other is negative. The balances should cancel each other out and the total balance should be XXXX. 

Unfortunately, the positive balance continues to increase with interest and Edfinancial Services will do nothing about subtracting the negative balance. 

I have had a " finance request '' in progress with them for over 3 months with no results. Customer service says there is no timeline nor method of escalation. My student loan balances continues to climb despite being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I became fully XXXX, approved for XXXX in XXXX of XXXX. Attempted to apply for TPD ( total permanent XXXX ) forgiveness on XX/XX/XXXX through XXXX XXXX XXXX site. All loans were transferred to NELNET to process the XXXX application. From then until XX/XX/XXXX : made 24 phone calls, sent multiple letters and doctor letters, submitted five applications ( three wrong box checked ), only to be told I am not yet eligible due to the follow up date on my XXXX ( this month, and haven't heard from XXXX at all either ). I live on XXXX XXXX per month, and can not take on any payments after five years unemployed. Put the loans in forbearance for six months on XX/XX/XXXX to allow for time in that process. 

Today I find that not all the loans were transferred from XXXX, the previous processor. I called them to see why they were calling. They advised I owe {$1500.00} in overdue payments on {$48000.00} XXXX loans that had been put in " Administrative Forbearance ''. Explained they should have been transferred to be processed with TPD forgiveness, they advised they weren't. Asked if they can transfer, advised not, and told nothing they could do. As I can in no way make that payment, am not ruining my credit for a mistake I didn't make. 

XXXX NELNET, who advised they " don't deal with this type of loans ( XXXX ). There is no way to contact an actual PERSON at the FEDERAL STUDENT AID site. I completed a complaint on their form, but have never had adequate response from them. I have detailed names and dates, but didn't think they were needed here. 

Anything you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation