vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been paying on my student loans since XXXX with Nelnet. My balances have barely decreased. When I requested a payoff schedule with amortization that shows exactly how my payments are applied and when my loans will be paid off, I was told they do not have that information. I believe I am entitled to know when my loans will be paid off! The website is not helpful as no document, nor dashboard information, shows the exact date when my loans will be paid off. I also see zero information as far as the amount in total I have paid to date. I have been paying on these loans since at least 2010 and I have no information as to when I will be through with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I contact NetSpend to file a dispute with my funds getting transferred without my permission. On XX/XX/XXXX I left out of town for the holidays and I have a roommate who lives in the property, I set up direct deposit for my funds to be deposited into my account, I came home and look into my on XX/XX/XXXX and noticed that all of my funds has been transferred from my account into my roommate account without my permission. NetSpend has did these unauthorized transferred without informing me of anything about the transfers in the amount of XXXX and XXXX. I file a dispute and NetSpend approved one dispute for {$100.00} XX/XX/XXXX and close the dispute on that same date, they have not responded or investigated anything XXXX business days and NetSpend hasn't done anything about my funds that they allowed to be successful Unauthorized transferred to someone account without my permission. I don't have any money to waste, NetSpend has been very unprofessional in handling my 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 explanation
Consumer complaint received 2025-01-03 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to GS BANK USA-XXXX XXXX XXXX XXXX XXXXXXXX appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to XXXX XXXX XXXX. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs. 

Delete account for violations 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1692j . Delete account from my credit report because it doesnt belong to me if you can not prove validity of this account remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: LA

Complaint narrative:
XXXXXXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/XXXX ) .I have requested the XXXX to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a XXXX can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Attached is also the dispute filing in XXXX. Per a XXXX compliant decision on XX/XX/XXXX XXXX bank decided to delete this account from my credit. The only bureau it has been deleted from currently is XXXX. Ive been requesting to have this deleted from Experian and XXXX but I keeps coming back after the compliant is filed as verified This is my XXXX compliant request the discover account be removed from Experian and XXXX per the decision made by discover on XX/XX/XXXX. Attached is proof that this account by XXXX was suppose to be deleted per a final decision made by discover bank XX/XX/XXXX. It has not been deleted and still shows on all 2 of the credit bureau.

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 2025-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made a purchase on my XXXX XXXX credit card on XX/XX/scrub>XXXX XXXX XXXX. While not at home I received a text my item was delivered. When I returned home on XXXX XXXX XXXX I went to look for the package and couldn't find it. There are notes in my XXXX account that my apartment is on the side of the building where I have a ring camera. 

I reached out to XXXX to dispute and they said I will hear back from someone regarding a refund within XXXX hr. In XXXX I didn't hear from anyone so I reached out again to XXXX and was told there was nothing they can do, dispute with credit card company. I called capital one and was told they will put in a dispute. 

I just happen to wonder if the transaction dispute have been taken care of and they told me, they heard back from XXXX and closed the dispute and sent me a letter. I never received a letter. Now they are telling me It is too late to dispute again and they will resend me the original letter they sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I bought the car from a dealer not realizing the car was going to be a lemon and had problems with it 2 weeks later and the car has been in the shop for 5 months out of 11 months and it is saying i am not paying but I am paying less cause I am trying to get the car on the road.

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 2025-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I received a call from someone purporting to be named XXXX XXXX at the Bank of America, calling from XXXX. He said someone had tried to use my XXXX XXXX and name to open a Bank of America Visa card account in XXXXXXXX XXXX He gave me the XXXX XXXX XXXX XXXX XXXX. I said it was fraudulent. He said he wanted to transfer me to " high authorities ''. 

He then transferred me to someone purporting to be named XXXX XXXX at the CFPB. He called me back from at XXXX XXXX XXXX. He started asking me to verify account numbers. At that point I declined to continue the call. 

I have a call in to Bank of America but I wanted to notify CFPB as well because someone is impersonating a representative. I asked him to tell me the name of the head of CFPB and he could not. I told him XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was going to make a report.

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 2025-01-03 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: CA

Complaint narrative:
I am writing to formally file a complaint against Equifax for failing to conduct a proper investigation regarding a data breach that involved my personal information. As a result of this breach, inaccurate and fraudulent information has appeared on my credit report, which is negatively impacting my creditworthiness and causing significant harm. 
I was informed that my personal data had been compromised due to a data breach involving Equifax. This breach led to unauthorized accounts being opened in my name. I immediately took action by filing a report with the Federal Trade Commission ( FTC ) and notifying Equifax of the situation, including submitting a request to block fraudulent information from my credit file, as required by the Fair Credit Reporting Act ( FCRA ). Despite this, Equifax has failed to conduct a thorough investigation, allowing these fraudulent accounts to remain on my credit report.

Specifically, I have requested that all fraudulent accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), which mandates that information related to identity theft be removed from my credit report. However, Equifax has not taken the appropriate action to investigate or resolve this issue. Instead, they have allowed inaccurate and damaging information to remain, which is severely affecting my credit score and preventing me from accessing credit under fair terms. 
The failure of Equifax to properly investigate this data breach and rectify the inaccuracies in my credit report has caused undue stress and financial harm. The negative entries are lowering my credit score, which directly affects my ability to secure loans, credit cards, and housing. This ongoing issue is not only damaging my financial health but also violating my rights as a consumer under the Fair Credit Reporting Act and other applicable consumer protection laws. 
I am requesting that the CFPB investigate this matter and hold Equifax accountable for its failure to uphold consumer protection laws and properly investigate this data breach. It is critical that Equifax be compelled to remove the inaccurate information from my credit report and ensure that no further harm is caused by this breach. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to protect my rights and ensure that Equifax fulfills its obligations under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX National credit system account XXXX XXXX XXXX XXXX date opened XXXX balance {$9500.00} Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verifythe debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have alreadyreported it, please contact the credit reporting agencies, informthem that the debt is disputed, and ask them to delete it it from my credit report. Reporting information that you know to be inaccurate, or failinf to report informationcorrectly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to recieve further telephonecalls or letter concerningthis debt that I do not owe to your client. The fair Debt Collection Practices Act requires you to respect this reques. See 15 U.S.C. 1692 ( c ).

Thank You for your attention to this matter. 

Sincerely, This was the letter that was sent to the credit report company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
In XXXX I was unable to make my monthly payment. I was unaware of that till my last paycheck of the month. I spoke with representative that stated attempted to pay what I could. In an attempt to gather funds I just didnt have enough. I called spoke with a representative named about doing a loan modification. I was told this would place that payment on the back end of my loan. This would also prevent any late remarks on my credit report. After signing the electronic loan modification my loan was marked as delinquent. One representative told me it would which is why I did the loan modification however the company told me since they processed it late XXXX it would still be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-03 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: TX

Complaint narrative:
My information was exposed in a data breach and I have had multiple inquiries and accounts opened since XXXX I reported the problem and still nothing has been 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 2025-01-03 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
i accepted a payment for my business using sqaure ( {$2500.00} ) they emailed me saying my account is being deactivated i tried calling they said they are unable to help i have no way of contacting them it will nit let me transfer the fund to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I made payments to two friends on XXXX through my cash app on my phone. I got messages from both friends that in XXXX the XXXX payments were being refunded. I asked support why there was a refund being processed I did not request this. They tell me that my bank is the party requesting the funds be returned. The web receipts showing refunds that predated when funds were taken shows XXXX but was not done until after XXXX and the others show a refund was due but not received shows money being pulled from my account to cash app, but my bank has no record of this transaction see statement. My bank cant request a refund for something it never dispersed in the first place. I have asked them where the funds are? As I have not received the funds back in my bank nor my cash app balance. The people at cash app have taken the money from my friends linked bank accounts in their cash apps, my friends have notified me they have had funds removed from their banks and the funds are not back to me. XXXX not sure what happened but its not ok to take money from my friends account. There was a glitch in the system that day when I tried to load funds I closed the application and restarted it and it worked funds were available in the application but in reality funds were never actually added from my bank to cash app but were available to use. So I used them. Cash app had a banking error or a glitch with the system. And I dont think its ok for them to take money from people who dont even owe them the money. If anything I owe them money not my friends! But I have added bank statements web receipts screenshots of messages with the agents. These all show no cash app payments were made from the account on the days in question but cash app keeps claiming its my bank. Its just fishy that banks do business quarterly and it just so happens to be right about the time they would be checking finances. I think someone caught the error and wrongly tried to fix it and blame it on me my friends and my bank. This is not ok. Ive been told numerous times by agents that it is my banks who is doing this and I am saying that is not the case my evidence shows otherwise. I would like to know where the funds are so my friends can be repaid the money they are owed that was taken from them three months after the fact! The evidence shows they are back dating things and messing with things they shouldnt be. I also would like to see them admit their error and simply fix it, write it off as an error, refund my friends their money. You cant as a company who deals with mainstream banking just behave like this, taking money from the little people and only notify them three months later and just take money out of peoples linked bank accounts. This is not ok and makes me not want to use cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because an account that was previously deleted from my credit report has been unlawfully reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was removed from my credit report but has now reappeared. I was not notified of the reinsertion within the required five business days, as outlined in 15 USC 1681i ( 5 ) ( B ). Additionally, this account is associated with identity theft and was reported without my explicit written consent, further violating my rights under 15 USC 1681c-2 and 1681b ( 2 ). TransUnion ( or the relevant bureau ) has failed to provide documentation proving that the reinsertion followed the required procedures. Their actions have caused me significant harm, including mental distress and damage to my creditworthiness.

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