vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by Nelnet concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/year>. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with Nelnet and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, Nelnet has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found.

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like Nelnet, to provide accurate information to the credit bureaus and to correct any inaccuracies once identified.

Given the clear discrepancies between Nelnets reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for Nelnet to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: UT

Complaint narrative:
On Saturday XXXX, XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX UT XXXX, I deposited XXXX XXXX Dollars cash in the ATM machine. When I made the deposit the machine gave me a receipt saying your transaction has been declined and never I credited the money to my account and the ATM machine didn't return it either. They swallowed my money, the bank was closed so I couldn't complain to anyone, I called the XXXX number on the receipt, they helped me and told me that they were going to open an investigation. And on Monday morning I should call the bank and tell them the situation. 
So I did it, the bank employee said to wait, they told me that they opened the ATM machine and found the XXXX k but they couldn't hear me return it because the case was already open, it's fine, I wait but 5 days have passed and they don't credit the money to my account and I need the money because I have to pay for things, I have called the bank and told them to return the money and they hang up on me or play the music, they are literally stealing my address, this US BANK, so I want to put knowing that I have been scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I opened a dispute over 5 transactions from XXXX, XXXX. The five transactions were for {$91.00} each through XXXX. 

I tried making one, singular, purchase from a website that clearly is fraudulent as I never received the item. I authorized to make this one purchase through XXXX, but as I said I never received the item. 

The website I purchased from ( XXXX ) used my information to charge my credit card four extra times, totaling 5x charges of {$91.00}. 

I called my Barclays Old Navy Credit card and reported the fraudulent activity as it was visible I was scammed. 

XXXX XXXX closed my investigation in XX/XX/XXXX and said that because I authorized one XXXX payment, this was not considered fraud and should have been entered as a dispute. 

I was never told or was assisted to have my issue be reported differently at the time I called in XXXX. The original assistant I spoke with took my complaint and entered it however she did, and then that investigation was denied. 


I then called back each week in XX/XX/XXXX and asked for them to properly dispute the charges the correct way and was denied the option to have my dispute opened up again because it was entered incorrectly. 

It is not my fault the credit card company was unable to investigate the transactions properly. 

The charges were not resolved after I have explained over and over what the situation is with the five charges. I did NOT provide and consent or authorize my card to be charged five times. I only attempted to make one purchase and I never received the item. The website used my information to obtain more money. 

I do not feel liable to pay all of these charges especially when not even a single item was received. I dont know how else to explain this for anyone to understand and I am out almost {$500.00}.

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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to request an update of my personal information with Equifax, XXXX, and XXXX. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
I am reaching out to request an update of my personal information with XXXX, Experian, and XXXX. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I stayed at a hotel on the XXXX of XXXX. There was a {$50.00} deposit placed on my card. I messaged cash app they blamed the hotel. The hotel provided my receipt and refunded receipt of the deposit. I have sent everything in but they say they can't help me with this issue. I filled a complaint with XXXX two weeks of same thing. Today being XX/XX/XXXX the deposit is still on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MT

Complaint narrative:
They called me and misled me on the terms conditions and it over all their general customer service. When it comes to the lending, I would not assign thats interest principal on a car thats that old, and not worth the value of what I wouldve been paying back in such a short amount of time, they lied about the fact of the loan facts of my financial situation to give me the loan theyre very well aware that I was homeless my camper and just purchased a truck with a {$900.00} car payment my car the first time they created a piece and I told him that they were not welcome to possess my car and that doesnt mean the gentleman came back again that morning the police told him to repossess the car with me in it The executive office at OneMain that the signatures are clearly forged, and that I did not sign the terms of the contract that they have on hand that I presented with lower terms and told it in a financial hardship that they work with me. The time stamp has the contract signed and completed in less than XXXX minutes. I can even read the first page that fast. They are very secretive with everything they do not puttin anything in writing, and play nice like they are friends helping you to just XXXX XXXX I feel so mislead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have fraudulent charges on my Citibank card from an XXXX company. I have never used XXXX. I do not have an account with XXXX. I tried contacting XXXX and they dont know me they dont have my email they know mean they dont know me at all. Citibank texted me with the charges that were pending from XXXX saying in the text that they looked fraudulent. I responded and said yes they are. They are not me, it took them a while to stop the charges because the card was in my digital wallet for Costco Citibank card and then it wasnt until the Monday following XX/XX/XXXX and XXXX that they Citibank pulled the card out of my wallet with me on the phone with them and I okayed that and then that stop but since then Citibank has trouble verifying me as the person calling to try to figure out whats going on They text me at my phone number and I dont get it. They text my husband at his phone number and he dont get it and theyve given up trying to resolve it so all I can do is go online and look at my app I may not talk to anybody about my Citibank Costco card account though because they cant verify me. Dont ask me why Ive had the same phone number. Ive been a customer Since XXXX there should be no reason why they cant verify who I am and Im not happy with their service because they told me right after it happened on a Monday that it was pulled. Somehow it was charged on my in my digital 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 monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX  || Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: IL

Complaint narrative:
I am writing to dispute and request the removal of a late payment remark currently showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: WA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing this complaint to TRANSUNION that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: IL

Complaint narrative:
I got a call from chime bank stating there was a fraud alert on my account XX/XX/2024. The agent told me I needed to accept conditions on the chime app to stop the fraud happening on my account providing me all my information from my name, email, address and account balance. Once I went to the app to accept the terms to stop the transaction before it happened and all of my money was taken from my account to transferred to another and the agent hung up on me. I called back and the agent informed me I was scammed and that I would INDEED get my money back and a few hours later they denied my claim and closed my dispute before I received the police report. This was not stopping the fraud activity but what the agent had me do was con me providing a fake agent number and name confirmed by the first chime agent who opened my dispute and insured me I would get my money back because they had been having a lot of chime customers getting scammed but they would get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MS

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.

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 XXXX 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 explanation
Consumer complaint received 2024-03-20 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a repossession on my credit report by Experian. My name is XXXX XXXX and I am deeply concerned about the negative impact this erroneous information is having on my creditworthiness. 

Upon reviewing my credit report, I discovered that Experian has listed a repossession from XXXX under account number XXXX. However, I want to clarify that I did not receive proper notification about this alleged debt. As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to rectify the situation. 

I am aware of my rights as a consumer, and according to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations, creditors are required to provide proper notification before taking actions such as repossession. This notification should include an acceleration notice, an opportunity to cure notice, and a post-repossession notice. I have not received any such notifications regarding the alleged debt from XXXX. 

In light of the above, I kindly request that the CFPB investigate this matter and compel Experian to provide evidence of the notifications they claim to have sent me. Specifically, I ask for the certified receipt with my signature on it, demonstrating that I indeed received proper notification about the debt and subsequent repossession. Without such proof, I believe that my rights as a consumer have been violated. 

Moreover, I urge the CFPB to instruct Experian to remove the inaccurate account of repossession from my credit report immediately. This incorrect information is unjustly damaging my credit score and financial reputation, which can have severe consequences for my ability to secure loans, housing, and employment opportunities. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN Email : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX FCU XXXX Account # : 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