vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
Discussed issue with customer service and fraud department at Chime and informed them of my receiving emails from Chime stating that I needed to activate my new debit card and then subsequent emails stating that the address and phone number to my account had been changed. No one could get information about an account in my name without me giving them more personal information. Just want to know if an account actually exists or if this is a sales ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
After i found out i was a victim of identity theft, i contacted the bureaus and they told me how to remove the fraudulent accounts from my credit, however they havent removed anything.

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 2024-01-19 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:
After i found out i was a victim of identity theft, i contacted the bureaus and they told me how to remove the fraudulent accounts from my credit, however they havent removed anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: SD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I changed my address in XX/XX/year> with XXXX XXXX I was issued a new card and continued to make payments but my available credit was always XXXX. I called XXXX on XXXX and was told my account was closed due to fraudulent activity because I changed my home address and didnt return a form along with my drivers license. I wasnt told that a form would be sent out. I also have a Milestone Credit card through XXXX and updated my address on the same day but didnt have that issue. They said they are unable to open it back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Although I have purchased the involuntary unemployment insurance that was encouraged that I get upon applying for my loan One Main is still insisting that I make a payment so that I can be approved for financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: LA

Complaint narrative:
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX These are inaccurate unauthorized fraudulent private information furnished by means of identity theft of XXXX parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
This is my second complaint to the CFPB on the same issue. I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the check, which is in the amount of nearly {$2000.00}. The location of the money seems to be a mystery, even to Chase. Ive talked to endless customer service reps, visited 3 Chase branches, and even worked with XXXX XXXX XXXX  for over XXXX minutes. She could not navigate Chases back office to resolve the issue, nor can I. The bank contends that they sent the money around thanksgiving, but I did not receive it. I dont believe they sent it. Chase required that I find a notary and fax them an administrative form stating that I didnt receive the money, even though they contend that the check was never cashed. That was XXXX weeks ago and I still dont have the money. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account.

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 2024-01-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Amsher Collection Service states that I owe them for an XXXX purchased in Maryland in the summer of XXXX. The phone is an XXXX XXXX XXXX XXXX. I have had the same XXXX XXXX since XXXX of XXXX. I have not been to Maryland in years. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-19 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: TX

Complaint narrative:
Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/ Todays date - Friday, XXXX XXXX XXXXXXXX No response. Please remove from Experian, XXXX, and XXXX. 


The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt

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 2024-01-19 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: AZ

Complaint narrative:
I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account.

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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX  I have been requesting for Nelnet, my current loan servicer, to complete and return XXXX Data form that is requested by the California XXXX XXXX loan repayment program. I am supposed to receive {$35000.00} to repay my student loan that is supposed to go to Nelnet. I can not receive these funds from the California XXXX XXXX unless Nelnet provides the XXXX Data form. California XXXX XXXX representative has suggested that I escalate the matter since Nelnet has not responded or returned the right form to me since XX/XX/. They provided a W9 form but that is not what I requested. I have called many times with hold time over one hour and then my calls would be disconnect and they have not responded to my emails. I am currently in deferment but being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
This is regarding the XXXX XXXX XXXX account. On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. The company that I paid for the debt was not the creditor listed but a company called XXXX XXXX XXXX XXXX  To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXXXXXX XXXX XXXX 

Please refer to 15 USC 1681 : where it states that consumer reports must be accurate. I am reporting to you an instance of inaccuracy and it is not being removed. This information is not correct and thus be removed Furthermore, a 1099c has been filed on this account which makes it income for me and income can not be reported as a collection account. 

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Park Hill Holdings
State: MO

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at XXXX XXXX XXXX XXXX XXXX, GA XXXX before.. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Was just trying to pay it off but kept getting charged differently every time i went to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was robbed and assaulted in XXXX, XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX at XXXX am. The individuals watched me enter in my XXXX passcode on my device, and stole it while it was open. Within XXXX minutes of the robbery, they changed my XXXX password and locked me out of my account and device permanently. With this change, they were able to have full access to my banking, financial information and Apple Pay cards ( XXXX, Apple Card, etc. ). One of the charges they completed was at the XXXX XXXX  on XXXX XXXX ( open XXXX hours ) for {$6900.00} on my Apple Credit card with Goldman Sachs using Apple Pay. It was around XXXX am they went to the store and fraudulently made this charge without my permission. I have filed a police report with the XXXX, have a case number and documentation from the detective which details the robbery and assault. I also filed a complaint with the FBI, as these individuals tried to steal more than {$50000.00} from me and {$5000.00} from another account, and {$700.00} from another account ( which were all resolved successfully - I have my money still ). 

Goldman Sachs has successfully returned another fraudulent charge they made for {$72.00}, but not for the {$6900.00}. I did not make this charge for {$6900.00} and Goldman Sachs has denied my claim, saying that the charge will remain on my account. I have provided them the FBI report and XXXX  report. I now have another piece of documentation from XXXX which confirms I reported my phone as stolen which includes the IMEI number. The XXXX also has this information as well. 

Goldman Sachs said to include the FBI and XXXX report as proof when I initially called which are screenshots in the attached file. I can give the name of the XXXX detective if necessary. I also can provide the other fraudulent charges they did on other cards and accounts if it helps verify the legitimacy of this robbery and crimes they committed against me, which the XXXX is aware of ( I sent them everything )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am a chime member and I got on what was supposed to be a chime website and called the customer service number. When the person answered they represented themselves as a chime representative. They knew what to say and the security questions to ask. I was having trouble with my credit builder card and I told them this. They then had me move my money from my credit builder to my checking and started to give me what they called a confirmation code. As they read me the code it appeared automatically in my chime account. Then my money just disappeared. XXXX dollars gone. I instantly found the real chime number and they were very rude and even found the chime member who stole my money but said they can't return it. They told me I should ask sternly over a person to person transaction for my money back. After hours on the phone they said they will open an investigation. However after tons of research I now realize several people in several states are having this same problem with these fake chime websites being set up everyday. All I want is my money returned

Company response to consumer: Closed with explanation