vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a total of ( 3 ) FTC identity theft report for fraudulent accounts and inquiries showing on my EQUIFAX credit report and file ( each is attached ). I also sent an Affidavit of Truth on XX/XX/XXXX stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing a fraudulent account that I did not give written instruction to do. EQUIFAX finally deleted ALL of the items ( all accounts and inquiries ) from my credit report and file BUT did not comply completely, as they did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, I disputed XXXX XXXX XXXX XXXX as an fraudulent account. All Experian did was add an fraud alert to my report but did not delete or block the account. This account is also attached to the inaccurate address XXXX XXXX XXXX, you have listed. Ive filed an FTC report listing that address and this XXXX XXXX XXXX XXXX account in which I mailed in to Experian, along with my proof of identity. This has been an ongoing battle. Each time I get requested to send in more documents, I fax them it and to get the same results an updated account with no changes to my report. This is very frustrating and embarrassing. How is the consumer ( me ) being protected if the bureau ( Experian ) is being allowed to break the laws. If an item on your credit report is inaccurate or incorrect then it should be removed.

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 2022-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am requesting that XXXX validate the debt on the Federal Perkins Loan by submitting a signed and dated contract between myself and XXXX University. As of today XXXX continues to provide falsified information and conspired with XXXX University in forging the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Card services and XXXX XXXX offered a promotion for new card users of XXXX XXXX ( airline miles ) if you spent {$5000.00} within the first XXXX months. I opened account in XXXX, 2021 and qualified by spending the required amount by XX/XX/2021. I have not received my bonus points. 
Several calls to Chase ( XXXX ), they connected me with XXXX XXXX times with. an automated message who then hung up ( XXXX ). Chase sys they are not responsible and contact XXXX. I have emailed XXXX at XXXX and have not received a satisfactory response. 
XXXX Points Number # XXXX Chase 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 2022-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SLM CORPORATION
State: MI

Complaint narrative:
I had a debt that was sent to XXXX XXXX from Sallie Mae. I settled the debt out with paying less than I owed last year in 2021. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX that lenders are not required to, and should not, issue Forms 1099XXXXC when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of Sallie Mae, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: KY

Complaint narrative:
On or around XX/XX/XXXX I received my debit card for a newly opened Chime account. I transferred approximately {$450.00} into that account that was to be used for my upcoming tuition payment. On XX/XX/XXXX I used my new debit card for a fuel purchase at XXXX to ensure my new debit card was functioning properly as I planned to use it for the upcoming payment. Immediately after getting fuel, I drove to XXXX, TN for a work event that lasted several days. I returned and went to pay my tuition but received a notice that my account had insufficient funds. Upon logging in, I saw that {$390.00} was spent by someone who stole my debit card and was not authorized by me. I immediately reached out and started a dispute. I called and emailed for updates and to provide additional information if needed multiple times during the following weeks and was always told the same, scripted answer. Nothing needed from me, just wait. On XX/XX/XXXX, I received an email stating they concluded their investigation and would not give me the funds that were stolen back. The reason they listed in writing was that the charges were made in proximity to my fuel purchase and I had recently deposited funds into my account prior to the fraud. I asked to reopen the investigation and sent documentation that I was working in XXXX when the majority of the charges were made and even provided my supervisors number. After submitting the additional information, the entire dispute disappeared from my online banking account. Over 5 emails were sent and never answered. I received an email today, XX/XX/XXXX, stating they made a decision and stood by their initial stance that it was not fraud. I reached out to my supervisor and was told that he was not only never contacted, but when he called to verify I was working in a different state when the charges were made, they told him they didnt need his verification. Its clear they did not actual investigation and are not standing by their terms and conditions. I am planning to file against them in court to recoup my costs, but not being able to pay for my final class resulted in losing a dream job that was contingent upon my graduation. After doing some research, this banking institution has a clear pattern of failing to investigate fraud and frequently causes their customers to be out their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Last month I disputed XXXX with Transunion and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Transunion not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove 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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I mailed several letters asking TransUnion to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XX/XX/XXXX being removed from my report. I spoke with an agent onXX/XX/XXXXregarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX  XXXX per the XXXX opinion.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
around XXXX i thiought i had misplaced my card from bank of america I had just got back from being out of town and still had not found my card. a few days later i found my wallet in my mailbox with all the cash gone but the cards were still there. My husband informed me to check my account and when i logged in there was over XXXX missing out of my account. I imeediatley called the bank and filed fraud on charges that i had not made at the time these charges were made i wasnt even in the town that they were made in. XXXX  was saving that money to pay my last rent and move into a new house, But becasue of this problem i was not able to pay my rent and i contacted bank of america explaining to them that this happend and that if i wasnt able to be reimbursed i was going to be evictedc it took them less than an hour to investigate my case and told me that all the charges were relevant and that i would not be getting reimburssed i toold them that whomever stole my card info had to obviously been from the town that i live in. I live in XXXX XXXX california it is a small farming community and we do not have any big name stores such as XXXX XXXX  XXXX or any fast food places so we all shop at the same stores when we go out of town the two closes towns to us are XXXX XXXX XXXX  then XXXX and XXXX  everyone in my town shops at these stores or we have to order stuff because we dont always have tghe things we need here. I tried to explain this to them many times i was told by one of the Fraud team that whatever happend wasnt there fault and i would just have to figure something out, another member told me that i probably deserved it, Because i wass not able to get reimburrsed for these charges that were made which ineveitably cleared out my account i got evicted from my home and my husbanc and i became XXXX  at the moment we are currently bouncing around from friends houses or sleeping in our car, i am furious that the bank treated me this way and i am very upset all i want is for my money to be reimburssed so that i can get a place to call home again for me and my family

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