vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime XXXX  Card has not consistently reported to all 3 credit bureaus as advertised each month. They infrequently report the card using from 1month then go 3 months without reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXX XXXX, XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX / XXXX XXXX XXXX # XXXX # XXXX, Lvnv funding XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX bank # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX in company # XXXX XXXX # XXXX, XXXX # XXXXHas 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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a letter from U.S Bank relaying they are closing all my accounts with them with no apparent reason of to why they have come to this decision. My parents opened a minor account with me at XXXX XXXX XXXX and have been banking with U.S bank since then. Over 28 years of service with them. I have never given them an ounce of issue with my accounts. I have had direct deposit for over 7 years with them, a car loan, and a lime of credit which all have been paid and paid off on a timely manor. Never defaulted on any of their loans. Yet their industry can not give me a valid reason on to why they decided to close my accounts with them. I would like to know what the reason is to help resolve any issues they may have or ease any scarce thoughts they may have.

Thank 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 explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
The collection office in their reply admitted they do NOT own the debt they are attempting to collect and therefore are continuing to illegally report information on a consumer credit reporting agency. The company also admitted they did not properly send a debt verification letter prior to reporting the account to the consumer reporting agency. The company also claims that the " client '' they are attempting to collect a past due balance for was for a time period that insurance was provided by a company other than their " client ''. This issue has remained unresolved and as a result, a copy of this complaint and all documentation supporting the facts will be forwarded to the State Attorney General 's Office, the debt collectors " client '' and the Federal Trade Commission. A copy of the USPS Informed Delivery Emails that correspond with the time period indicated by the debt collection company 's prior email will also be provided showing the Debt Collection Company willfully failed to notify me to allow a validation of debt as required by law and therefore violated the FCRA in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: NC

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts that need to be removed 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 2022-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts that need to be removed 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 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I received information that I am no longer capable to use their venue / business. I would like to know the reason why. Also, a resolution to this issue to continue to use their service. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Total 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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are several accounts on my consumer report that are fraudulent ive sent the credit reporting agencies ftc reports identity theft affidavts and police reports and the fraudulent accounts are still being reported from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX these accounts are fraudulent and in violation of the fcra and fdcpa and i will take legal action this seres as a notice that if theses accounts are not removed within 15 days legal action will be taken for contractual law universal law and statutory violations violations of 15 usc section 1681, 1681b, 1681 c2e,1681he and fcra section 609 and fdcpa 804b

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 2022-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I went on a XXXX based forbearance in approximately XXXX of XXXX. Shellpoint was great and immediately suspended payments. In XX/XX/XXXX, I called up Shellpoint and notified them that I was ready to start making payments back. On XX/XX/XXXX, I received the " partial claim '' package. In XXXX, I had everything signed and my " single point of Contact '' told me that my first payment would be XX/XX/XXXX. First week of XXXX, I made my first payment. I checked my credit report that week because I was getting solar for the house. Well my score had dropped XXXX points because Shellpoint had reported me 30 days late in XXXX. I do not know how I could be late when they were drawing up the partial claim paperwork that month. Now I can not get solar due to " credit issues ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-04-16 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: NY

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: NY

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo closed my account after completing my claim. The agent said he was mailing my new debit card and I was good. I tried depositing some money and my account was closed on XXXX XXXX. They mailed my debit card on XX/XX/2020. My phone was stolen out of my car in XXXX. I told them my debit card and phone was in the card because I brought my XXXX XXXX card and other phone in the party. My phone was unlocked with my info available in the notes. The scammer tried putting fraudulent checks in my account. I even told the bank to run the cameras back and they said they agree they didnt see me on camera at the teller. Claim # XXXX... XXXX XXXX XXXX XXXX XXXX They lied to me about keeping my account due to no fault of my own. They wouldnt believe me that I didnt have a code on my phone. How could you tell me what I have on my phone. This in unacceptable.

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 2022-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
The company has reported the account to consumer reporting agencies without sending notice allowing me to validate the debt. The company is also attempting to collect a time-barred debt in accordance with state law. A copy of this complaint and all documentation supporting the facts will be sent to the State Attorney General 's Office and the Federal Trade Commission as a result of the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of Education/Nelnet violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University continues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted my complaint already but I uploaded another document, just wanted to make corrections

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 2022-04-16 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} TRANSUNION : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-04-16 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} EQUIFAX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : Discharged XXXX Reference number : XXXX Filed Date : XX/XX/2018 2018

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