vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, this account has been removed by you guys before, and is now back under another name I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

XXXX XXXX XXXX ( XXXX ) {$650.00} I have my police report attached, and the FTC id theft report attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, this account has been removed by you guys before, and is now back under another name I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

XXXX XXXX XXXX ( XXXX ) {$650.00} I have my police report attached, and the FTC id theft report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
In XXXX, I used Visa Gap Credit Card managed by XXXX  to purchased international airline tickets for my parents to come visit from XXXX. Flights were canceled due to travel restrictions, then the war started... 

I kept in contact with the XXXX XXXX in order to extend my travel certificate and on XX/XX/XXXX they unexpectedly issued a full refund " to the original form of payment ''. However, the Visa GAP credit card does not exist anymore. 

In XXXX, Gap Credit Card became Master Card and all accounts were moved to Barclays. XXXX assured me that the bank that issued the card ( XXXX  ) would send me a check even though I no longer have an account there. I called XXXX, they said that there is no record of any refunds and if there are any, it would be handled by Barclays. I called Barclays and they said that they have no records of any transactions prior to XXXX and no refunds were posted. 

I had an extensive communication with XXXX XXXX XXXX ( including through XXXX  ). They've conducted a thorough investigation and assured me that the amount was successfully refunded back to the original form of payment. Its been almost three month now since the refund was issued. I spent many days on the phone with both banks and XXXX trying to locate my money and now I am hoping for your help. I have receipts for two refunds ( one per each ticket ) - {$620.00} each or {$1200.00} total, but I have not received that money and I don't know who is responsible - XXXX  or Barclays.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I allowed my son to use my debit card he got robbed and was forced to give up his wallet the card was used to make several purchases and atm withdrawals I filed a police report contacted the bank filed fraudulent charges and requested a new card they declined the fraudulent charges saying the card was present I explained that my son got robbed and they still denied it I requested paperwork to show on what grounds it was declined and what they discovery during the investigation they promised to send me paperwork of investigation but never did send anything and I believe they never investigated anything because o other occasions, they lost paperwork. XXXX handled my claims and treated them like they they dont even exist.and denied them wrongfully

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I had a XXXX account ending in XXXX that was sent to collections with Waypoint Resource Group. However, XXXX has confirmed that the statute of limitations expired on this alleged debt as of XX/XX/XXXX, and that they are not owed any money and will not be collecting on the account. 

Despite this, Waypoint Resource Group inaccurately reported this account as a collection item on my credit reports through XX/XX/XXXX. As of XX/XX/XXXX, XXXX is now inaccurately reporting this account themselves directly to at least XXXX. 

I have filed multiple disputes with XXXX to have this erroneous collection removed. However, the disputes are being denied, with XXXX stating the information is being verified as accurate by XXXXWaypoint . 

The only fair resolution is for XXXX, as the furnisher, to instruct all three credit bureaus to promptly delete this account from my credit reports, as required by the FCRA. XXXX needs to rectify their inaccurate reporting and provide confirmation to me once the account is removed. I look forward to their cooperation in resolving this matter.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been paying on my federal student loan debt since 2015. I am working for a XXXX XXXX XXXX XXXXXXXX  as a XXXX XXXX. I have always been enrolled in a loan repayment that fell into PSFL requirements. Great Lakes was my loan servicer. They transferred all of my information ti Nelnet servicer. Nelnet is telling me they only show XXXXcurrent. None of my payments I have been making all these years has been transferred. They lost all of my information and processed payments. I want answers and I want my payments allied and counted as qualifying payments for public service loan forgivness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hi cfpb team! 

My name is XXXX XXXX, and I am an international student here who is currently living in XXXX XXXXXXXX. I recently fell victim to a scam perpetrated by a XXXXXXXX XXXX, resident, XXXX XXXX. He took {$1500.00} from me in his XXXX XXXX XXXX XXXX account, XXXX. Scammer 's name is XXXX XXXX. I want to launch a complaint against Chase Bank and XXXX. I complained several times to Chase Bank officials and their online fraud department, but they were unable to get me a refund of my scammed amount, nor did they take any action against that scammer. I have been a customer of Chase Bank for several years, but their fraud department has shown no respect or protection for their customer 's hard-earned money. Please help me out to register a complaint against this bank, Chase. I've also brought this up with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and lodged a complaint with them as well, but they never responded to my complaint. Please, please, please help me. I am an international student from XXXX. I can not bear this huge amount of loss. Please help me get my amount back from XXXX XXXX ( a scammer ) or Chase Bank. I've got all his information, including my sent amount proof, his address, his phone number, etc. Ive attached a couple of screenshots of the scam and my XXXX XXXX as well for your reference. I can also provide you with a chase outcome document after I complain to them. Please let me know if you need anything else from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX XXXXXXXX XXXX I disputed XXXX  to be removed from my credit report. 
On XX/XX/year> at approximately XXXX am XXXX, I spoke with XXXX XXXX at Transunion to ask how they obtained this information. XXXX XXXX stated that this information is verified by the Courts. The XXXX XXXX XXXXXXXX does not report XXXX information to the credit bureaus.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Someone showed up to my XXXX old house, claiming to be a debt collection lawyer and that I owed them. I do not live there, and they told the person they talked to that I owed them money, and were a debt collection attorney. While it may be an actual attorney, I doubt they would send XXXX to an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: WA

Complaint narrative:
According to FCRA 605B, it appears imperative that we eliminate any erroneous accounts from my credit report. Would you mind reviewing the documentation? A few of the listed accounts seem to be misrepresented, causing me considerable unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: WA

Complaint narrative:
According to FCRA 605B, it appears imperative that we eliminate any erroneous accounts from my credit report. Would you mind reviewing the documentation? A few of the listed accounts seem to be misrepresented, causing me considerable unease.

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 2024-03-10 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: WA

Complaint narrative:
According to FCRA 605B, it appears imperative that we eliminate any erroneous accounts from my credit report. Would you mind reviewing the documentation? A few of the listed accounts seem to be misrepresented, causing me considerable unease.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received a proper notification, please provide the certified mail with the receipt with my signature on there stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

CONSUMER XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # FLOORS XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX DEALER XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-03-10 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: AL

Complaint narrative:
I requested removal of an account that is over XXXX XXXX XXXX. They have refused to do so. They went as far as changing the closing date and the information that XXXX XXXX XXXX XXXX has in their files. XXXX XXXX XXXX XXXX is the credit grantor. What they have and refuse to correct is incorrect unverified information. Experian has for years shown incorrectly that the account was closed in XXXX of XXXX. Which is absolutely not true. This account was opened back in XXXX XXXX XXXX and should have been removed in XXXX. I requested that Experian under the FCRA Rules remove this account immediately due to its years of not truthfully verifying it as falsely stated for years. Continue to list it as negative when actually it should have been removed. Under FCRA If you ask a credit reporting agency to remove something. If it is not verified correctly, they're supposed to remove it. They have not done that after numerous complaints. Even after telling them that the information is incorrect according to XXXX XXXX XXXX XXXX they've still refuse to remove it. It is very obvious that they have never contacted XXXX XXXX XXXX XXXX for proper verification. The most recent unverified letter I received from experian was today on XX/XX/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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received a proper notification, please provide the certified mail with the receipt with my signature on there stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke with Equifax on the phone they said they would look in to it. Then a few weeks later i received a letter stating they had deleted all 3 so i checked and they where still on my report a month later i called Equifax back they said it takes 2 month for it to show its been removed. Well its now XX/XX/XXXX and i received this letter on XX/XX/XXXX that all 3 deleted. 2 still remain on XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: NY

Complaint narrative:
I had some unauthorized charges on my account and I alerted the company with hours of the transaction and they still let these scammers my money and would not help me retrieve my funds or had anyway of stopping the transaction from happening. They even told me they found no error was made but could not provide me proof of what they found. I followed all the instructions given to me and the company does not have a remedy to unauthorized purchases made on my account so I am just out of $ XXXX with chime/stride bank. When I asked for the evidence they found they said they would send it over and sent a link for me to upload documents but never sent whatever proof I asked for.

Company response to consumer: Closed with explanation