vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and 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 2023-10-02 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: IL

Complaint narrative:
I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have written to Experian credit agency twice ( XX/XX/2023, XX/XX/2023 ) to have them verify my information on my credit report. Both times I included by drivers license, electric bill, phone number and last 4 of ssn, with my complaint. Each time they send me a stall letter saying that these letter don't appear to be from me. In my second letter I added additional statements that this is ME. I believe they are just stalling and avoiding my letters. 
I used template letter found on the internet, and added my personal information and all the documentation I mentioned above. This is just an attempt to make up an excuse for not investigation my issues which I have the right to according the FCRA. 

They are trying to make everyone go there site rather than answer letter ( Legally ) so they can make you agree to there user agreement. I do not want or required to use there website to file a complaint. 

I want all these items removed from my report 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 explanation
Consumer complaint received 2023-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2023, Capital One closed my credit card account unexpectedly. At the time my account was closed, I had been a client with them for XXXX years. In that time, I had never missed or made a late credit card payment. Once my account was closed, Capital One made my entire balance of {$10000.00} due and my minimum payment amount increased. The amount was not a manageable amount for my financial situation, so I contacted customer service at XXXX on Monday, XX/XX/2023 and requested a payment arrangement. I was told that since my account was closed, they were not going to grant me any arrangements and the minimum amount would need to be paid. Then, on XX/XX/2023, I wrote the CEO ( XXXX XXXX ) by email and was contacted by his staff who also denied assisting me with a payment arrangement or credit reporting goodwill adjustment. 

Capital One reported a " 30 day late '' payment status in XXXX and a " 60 day late '' payment status in XXXX. These late payments are a direct violation to the FCRA consumer law 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ) which states that the consumer 's credit report is exempt from sharing payment experiences or transactions between the consumer and the creditor. Capital One is in direct violation of this law and refuses to change the payment experience they reported to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been getting threatening calls about a lawsuit for an amount I allegedly owe and have repeatedly asked for information to be mailed to me as I refuse to make any payments over the phone. The " legal representative '' from " XXXX XXXX XXXX '' on behalf of their client Wells Fargo has been nothing but rude to me and threatened that I would have my house taken from me in court over this! They have never sent me any bills in the mail to prove that I owe this alleged debt from over XXXX  years ago. I currently pay my XXXX student loans through the Department of Education so I have no idea what money they are trying to collect from me. The representatives refuse to tell me what this is for and tell me I am being sued. I have never received any paperwork in the mail from Wells Fargo or this " XXXX XXXX XXXX ''. They are telling me I am being sued and that I will be served some documents that I have to sign. I refuse to sign anything that I don't know about it.

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 2023-10-02 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Also the amount reporting is incorrect. 
The dates are all wrong. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Acct # XXXXXXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these 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 2023-10-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mother and spouse, lived in AZ when medical difficulties arose, and they set up a reverse mortgage from Champion Mortgage to help pay their bills. 
Within 2 years of the death of her spouse, Mom was found to have XXXX XXXX, and her Power of Attorney paperwork enabled me to liquidate her assets, pay off the reverse mortgage and all outstanding debt. About that same time ( only 2 years ago ) Champion Mortgage was sold to Nationstar Mortgage, AKA MR.COOPER. 

Mom 's current Medicaid application for her ongoing care requires a copy of her loan disbursement transactions, which I am requesting via this complaint. 

I am uploading her POA paperwork AND HER SPOUSE 'S DEATH CERTIFICATE as proof of MY POWER OF ATTORNEY status for her affairs. Please send a copy of the full loan disbursement of my mother 's account from CHAMPION MORTGAGE to me so I can submit it on her behalf to MEDICAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-02 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: TX

Complaint narrative:
I dispute few accounts of my credit report and equifax keeps denying it over and over and playing games with me i want to dispute the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED AS IDENTITY THEFT FRAUD EQUIFAX DENYING IT ON PURPOSE AND REFUSE TO REMOVE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: AL

Complaint narrative:
The information is incorrect from this company. I cancelled this in-home telephone system when I was informed that Internet was not going to be available through XXXX XXXX XXXX XXXX I did not use this system and when I notice that the money was being taken out of my checking account. I contacted this company again informing them that I wanted to have internet and wifi and they could not give me the service that I needed. Hence, I informed this company that I needed internet and wifi in the beginning. I did not need telephone service without internet. 

Your information may have changed since XX/XX/XXXX View your current credit report Account info Account nameI C SYSTEM INC Account numberXXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$630.00}

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 2023-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/23 a credit card was opened fraudulently under my name at XXXX. I contacted Comenity Bank when I received the statement in the mail to dispute as fraud. At the time, they told me other credit accounts were attempted to be opened under my name but declined. They then opened an investigation. On XX/XX/23 I received a collections call from Comenity regarding this account. When I told them that I disputed this account as fraudulent, they told me their investigation came back inconclusive due to the locality of the transactions and so the charges were deemed collectible. The charges made were across the states of NJ and NY, all not by me. The card was maxed out within a week or XXXX and I was only made aware of the card ever being opened when I received the first statement in the mail. I do not agree with the findings of Comenity Bank 's investigation and maintain that this is a fraudulent account and I never opened a credit card or authorized purchases at XXXX in any of the localities per the investigation report. I have requested a copy of Comenity Bank 's investigation report and am waiting to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hacker got one of our vendor 's email hacked. He requested to update their ACH information via email. We did update the ACH info per their request. He followed up on an invoice the vendor has with pending with us. We tranfsered almost {$80000.00} to pay the invoice.

Our bank is chase and the receiver 's ( Hacker ) bank is Truist Bank. 

My bank ( XXXX ) is not helping mentioning that there is no procedsure to help recovering the money bank as you authorized it to be sent.

I called the receiver 's ( Hacker ) bank ( Truist Bank ) and filled a fruad claim aginst the account. I dont konw where that went.

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TN

Complaint narrative:
My lender is ed financial. I submitted an application for work loan consolidation and the IDR repayment plan that was put in on back in XXXX and the company has been reviewing it since like XX/XX/XXXX. I have called numerous times and have been you know given the same journal response XXXX times will call you back. They have never called me back the one time I have been able to get a hold of them. Theyve told me that it has been in process by Ed financial since XX/XX/XXXX and that they told me it would be done by XXXX when the new student plans would be done. every time Ive called its just the same general weight response. I can not get any information out. I need to know what I need to do for the student loans and this company has just been a absolute shit show of customer service and how things are managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had my whole bag stolen from me while I was at the gym I was not in possession of anything. There are chargers to my cash app that I did not authorize and Cash app is telling me that I authorized. I got into a car accident a while ago and I have trouble remembering passwords in my notes app in the phone I have my passwords and pins logged and saved in the app. so possibly the transactions could have went through with such passwords. I reported it when it happened but yet Im being faulted and have yet so see the money I am missing. Everything was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-02 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: NY

Complaint narrative:
I submitted my application to the SAVE plan in early XXXX, I would guess the first week of the month. Unfortunately I can not provide an exact date because the Nelnet website is currently down as I write this, as it has been several times when I have tried to check the status of my student loans and my repayment application. 

When I initially submitted my application to the SAVE plan, there was a note on my account that Nelnet had received my application and that I should provide them 14-21 days to process the application. After a few weeks I noticed that that message disappeared, and now it only displayed the message about when they received my application for the SAVE plan. 

It has been almost a month since I submitted my application with no communication from Nelnet about the status of this application, besides the fact that they received it. Meanwhile, they have been doing a fantastic job of tracking the interest accrued on my loans without providing me information about how much my monthly payment will be, and that is not even beginning to address the fact that half the time I try to log-in to their website it is down. 

Frankly, I am not sure how this is legal and it is unacceptable that Nelnet has known for months now that student loans would be resuming in XXXX with payments due in XXXX. It has been enough work for me to prepare financially for payments to resume, and it seems as if Nelnet has not done the work or prepared to service loans. I believe that they should be held responsible as a LOAN SERVICER for not even managing the minimum responsibility of maintaining a working website.

This has put an incredible amount of stress on me and my wife and has made financial planning difficult. My wife also has loans with Nelnet after being moved from Great Lakes, and she has also been unable to speak with anyone at Nelnet over the phone due to wait times of over 2 hours on the phone. Nelnet needs to be accountable to borrowers for the loans that they are servicing. There is an extreme lack of accountability on their part for not maintaining a working website where borrowers can access their loan information and for not having enough customer representatives on staff so that borrowers are not spending hours of their day waiting on hold to ask simple questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : 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 non-monetary relief