vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: CT

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; 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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have never held an account with this company and they are attempting to collect a debt that had already been discharged with the original creditor. I requested to opt out of them sharing my account information and all attempts be ceased via phone and email and they refused and continued to contact me. A 1099 has been filed and accepted by the IRS and copy B has been sent to the original creditor and whoever this company is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: CT

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}

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 2023-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo sent out a check for XXXX for repayment from fraudulent bank activities or whatever the reason. XX/XX/23 I had to send in all the paperwork as far as death certificates, wills, affidavits and whatever else they asked me to send in. Being a XXXX XXXX I like to call in to make sure all of my documents are right and that they were received and uploaded. I did that several times in the first week, only to be told all those times yes we have everything. Then just checking in again for safe measures I was told XXXX paper did not come through. Go back to fax that and they said my time frame of XXXX business days for the reissue had to start over! Then I wait all that time to get a reissue with the wrong name spelling. So now on XX/XX/23 Im told that I have to wait another XXXX business days for them to correct their mistake and Im on the verge of losing everything and a XXXX that is still down.

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 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Branch Manager XXXX XXXX of Wells Fargo at XXXX XXXX XXXX in XXXX, California is breaching customer account confidentiality by divulging private account information to multiple people in the community. This has been brought to my attention by several people to whom XXXX has spoken with regarding my accounts with Wells Fargo. XXXX is personally retaliating against me as a customer and attempting to defame and/or sabotage my company 's reputation because her son was fired from my company.

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 2023-11-30 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: FL

Complaint narrative:
Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, 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 non-monetary relief
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/292023 Citibank will not give me my money which is {$870.00} out of my account. They have placed a hold on my account and will not release the funds. This is completely against the ball and theyre stating that its fraudulent and there had to do a letter by mail. This is absolutely illegal and something needs to be done.

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 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I applied for a credit card with TJX ( TJMaxx/Homegoods/etc ) on or about XXXX XXXX XXXX, online. The solicitation at the application offered me a 10 % off coupon to use on my first purchase. This is the reason I applied for the card, and with intent of making a large purchase at Home Goods in the coming days with the card. 

The card arrived XXXX  and I have activated it. The store did not, however, provide a 10 % off coupon to me with the delivery of the card. I've checked a total of 4 emails they sent about my approval and card shipping from both TJX and Synchrony Bank and do not find a coupon in any of these communications. I've synced my card with the Home Goods app and also do not find a coupon or reward their for 10 % off either. 

I called customer service for TJX and explained that I applied online and have not received a coupon. Her advice was that I should sign up for paperless billing and that will earn me 10 % coupon. That was not part of the solicitation. She texted me a link to the online site where she says I will receive a 10 % off coupon for signing up for paperless billing. I don't want to sign up for paperless billing. 

Promotions offered in the course of soliciting credit should be honored, and access to it should not require strenuous effort from the consumer to obtain. The absence to deliver the promotion to the customer either via email or with the credit card for online applicants is inconspicuous and exactly what XXXX seeks to regulate in consumer credit marketing. 

Perhaps TJX should include the coupons in the email or mail communications to the customer, cease accepting online applications for credit, or cease offering 10 % off the first purchase to online credit applicants, as they no longer particpate in e-commerce of goods for sale online.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I received a notice on my phone that my account had been closed and an email stating I had violated terms and conditions, but did not say what term and/or condition I had voilated. 

I contacted customer service, whom then stated to just read the terms and i'd figure out what I did wrong. They can not provide an answer as to why the account was closed, and refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
MY CREDIT WAS USED WITHOUT MY CONSENT TO OBTAIN DREDIT I HAVE UPLOADED FILES

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 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am due automatic student loan forgivenss under the XXXXXXXX XXXX XXXXXXXX settlement. I have received a letter from DOE stating such dated XX/XX/2023. To date, that has not been processed by Nelnet. My student loans were to remain in an administrative forbearance until this forgiveness was processed. Nelnet took them out. I contacted DOE which agreed they should be in an administrative forbearance until forgiveness ( which is now past due ) is processed. I have a letter from DOE stating the loans should remain in adminstrative forbearance until processed and that they had informed Nelnet of this dated XX/XX/2023. As of today, XX/XX/2023 they are not forgiven and are not in administrative forbearance. After 1.5 hours and how much time on hold all I got was a run around. I want the forgiveness I am owed under the settlement processed ASAP. I want my accounts properly audited as I know Nelnet was bad about crediting parents and I have been overcharged interest. And at this point, they do not deserve to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
MY CREDIT WAS USED WITHOUT MY CONSENT TO OBTAIN DREDIT I HAVE UPLOADED FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Reached out to creditor requesting information regarding this collection. I was not provided any bill, contract, or document indicating that this debt is own by me. I have been trying to have this matter resolved and need assistance. This has affected my personal life and credit.

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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
So back in XXXXXXXX XXXX XXXXXXXX I had accidentally made a double payment for {$500.00}. I called XXXX and asked how do I go about them reversing this. The representative I spoke to had told me that there is no way possible on their end to reverse the charge. However she stated that. Should call my financial Institution where the money was coming from ( XXXX XXXX XXXX XXXX ) and have them do a stop payment and stop the charges from going in and once that was done and I got the money back to just go back in to the SDCCU app and make the payment. I asked her to ask her supervisor would there be any fees or inconvenience I would run into if I were to do this. She then proceeded to ask her supervisor and came back on the phone and said no that I should be fine. When I went back in to the app a couple days later to make the payment as she told me I would be able to do my online payment features were disable & I was instructed to call XXXX. I proceeded to call and they said that my online features were XXXX for having the transactions reversed. I then asked for a manager/supervisor to give me a call. Someone from management gave me a call a couple business days later and I explained the situation to them and she then told me for now the only way I could make a payment was through my financial institutions bill pay ( XXXX XXXX XXXX XXXX ). She said she would investigate and get back to me. She got back to me and told me that my online features were disable for a year until XXXX of XXXX. So I will have to continue using bill pay or going into a XXXX branch location to make the payment. I stated that going to a branch location would be impossible as I had moved out of state, so bill pay it is. Fast forward to XXXX of XXXX and my online features still hasnt been reactivated and I am being charged a {$25.00} fee every month I make a payment because I make the payment on the XXXX of everything month through my financial institution ( XXXX XXXX XXXX XXXX ) however since they have to electronically send a check or physically mail out a check SDCCU. SDCCU doesnt receive the check on time. I as the consumer am having to pay the extra money and fees all because a representative and their supervisor made a mistake. I cant control the United States postal service delivery time nor can I control when my credit union procresses and mails out the checks. I am asking for these fees to be reversed and my online account services be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I spoke with one of your representatives, XXXX XXXX, on XX/XX/2023, in regarding a debt that appears on my credit report, which I do not recognize. 
During our conversation, XXXX XXXX was attentive and provided me with information about the alleged debt. However, after thorough review and consultation with my financial records, I still can not identify the origin of this debt. As a result, I am formally disputing the validity of the debt and kindly requesting that it be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Information on credit reporting is false and is incorrect this violate my consumer rights by Comenity bank XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation