vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I was alerted in 2022 that my student loan servicer was being changed from XXXX XXXX to nelnet. I created a login/account and was able to successfully login. I didn't take any action at this time because payments were not scheduled to begin. 

Months in advance of the XXXX payment restart, I logged in and entered my banking information and set things up for auto-debit starting with the XXXX payment. A few days before XXXX I logged in and confirmed that this payment was scheduled to be auto-debited from my bank account. 

On Monday XXXX I logged in to see if there was any payment activity. I was surprised to see that my loans were shows as " past due '' and there were no pending payments. I checked my bank and there was no debit for the payment. I tried calling in to the support line and after hours on hold was unsuccessful in reaching anyone. 

On Tuesday XXXX I checked again and was still showing past due with no pending payments. I tried calling in again with XXXX success. So I went ahead and made a manual payment online. 

On Wednesday XXXX I checked online and still it showed no payments were pending. However, my Bank also processed the auto-debit in addition to my manual payment. Luckily I had enough in my checking account to cover both payments. It took another several business days for the payments to post to the account ( XXXX  XXXX ). 

The XXXX and XXXX payments pulled within XXXX business days of the XXXX, but again there was no activity in " pending payments '' and it showed as past due. 

The same thing happened this month. Showing past due, it shows I have no pending payments, and XXXX success trying to reach anybody at nelnet. This morning I see the payment has hit my bank account, but on nelnet I'm still showing past due and there aren't any payments pending. 

Based on my remaining loan balances, this is going to be a long-term relationship and I can not see a path where this is workable/ethical in the long-term. I know having a functional loan servicer is possible. XXXX XXXX was great. If I did have a question or issue I could EASILY get someone on the phone. It has been 4 months and there has been XXXX  movement on any of these issues. The functionality of the website appears to be from the early aughts. This is absolutely ridiculous. I am trying to do my part in repaying my loan and am struggling here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
This case has been taking almost a year. I suffered from an ID theft in XX/XX/2023. I discovered this by one of my financial institution 's notification. Altogether three of my accounts were affected : XXXX credit card, XXXX  account, Wells Fargo credit card. I'm filing this complaint against Wells Fargo. With the other two institutions, the matter was cleared within a month. With WF, they are still sending me the bill that I do not owe. Within the 1st week of the incident, I filed a police report, FTC report, and placed security freeze with the 3 major credit bureaus. All of these docs can be submitted upon request. 

With WF ( and the other two institutions ), I filed the fraud form identifying the fraud transactions and paying off the valid transactions. Nevertheless, they say that the account was opened by myself initially and therefore I'm responsible for all those fraud charges. I do not know what to say to this logic. I repeatedly requested that the account must be permanently closed, which they didn't to my very surprise. 

In XXXX last year they sent me a resolution letter. However, a few weeks later they sent another letter that there is a remaining balance. The balance was due to the transactions that took place after XX/XX/XXXX when I completely stopped using any credit/debit card. ( Even as of today, the security freeze is in effect and I don't have any card. ) I received another decision letter on XXXX last year that was in my favor. To my surprise, on XX/XX/XXXX they sent me another letter that I still owe the balance. There must be something very wrong with their system. 

I'm starting to take legal action and this is my first step. I'm doing my research to take additional actions, including small claims court and/or consultation of a lawyer. I wouldn't normally consider the last option since the amount debated is around {$2700.00}. The lawyer fee will easily exceed it. However, XXXX found that I was affected by their data breach incident several years back. I believe that I can secure the funds for the suit from them. 

I was WF 's 30 year mortgage customer and paid it off in 11 years XXXX last year. There was not a single late payment but this is how they treat their " valued '' customers. My credit score was XXXX before the incident but now XXXX, mainly because WF 's wrong credit 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 2024-01-03 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: MA

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2024-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I do not have a contract with Credit Control, Account # XXXX and do not owe this debt collector the stated {$18000.00} as reflected in the email correspondence they keep sending me, the consumer. The original creditor, XXXX XXXX XXXX XXXX, has charged off this Account # XXXX as of the following date : XX/XX/23. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, Credit Control for actual verification and validation affirming that they have a contract with me bearing my signature. XXXX XXXX XXXX XXXX AND CREDIT CONTROL in accordance with the Fair Credit Reporting Act have violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file 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 2024-01-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a inquiry from XXXX XXXX on my Equifax report that I did not apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I submitted my student loan consolidation and SAVE IDR enrollment applications at XXXX in XX/XX/XXXX with a balance of around {$21000.00}. After weeks of delay and hours spent on the phone with Nelnet trying to resolve their system errors and conflicting amounts, they finally consolidated the loans a month later after racking up hundreds more in interest. 

Nelnet stated the XXXX XXXX would be applied within 180 days ( 6 months! ). In XX/XX/XXXX I received an email from Nelnet stating my account was in forbearance due to pending XXXX XXXX processing. However a month later in XXXX, when I checked the status of the XXXX XXXX on nelnet.com, it said my account was now in Standard Repayment with no history of a pending IDR. 

Once again I spent hours on the phone with Nelnet to be told that someone at Nelnet actually " cancelled '' my XXXX application internally in XX/XX/XXXX instead of processing it. They wouldn't release any information on who, how, or why this action was taken. However, studentaid.gov, the actual originator of the application, shows the application is not actually cancelled but is still pending. Nelnet refuses to process this application stating I need to initiate a new " verbal application '' with them via the phone and start the whole process over again. 

Meanwhile my student loan balance continues to increase by hundreds of dollars with payments due this month in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am shocked these teams are on my credit file! No wonder Equifax and XXXX is being sued in XXXX because you out inaccurate information and fraud stuff on people report of XXXX XXXX. Remove these XXXX accounts I have no idea who the owner is! I will sue because of deformations remove these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent certified mail to all XXXX bureaus on XX/XX/2023 and again on XX/XX/2023 when they stated they verified all information, but never sent any type of proof. I asked them all to investigate these companies listed below according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I stated they are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. I haven't received anything, but them stating they verified these accounts. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts which are listed below. 

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
I sent certified mail to all XXXX bureaus on XX/XX/2023 and again on XX/XX/2023 when they stated they verified all information, but never sent any type of proof. I asked them all to investigate these companies listed below according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I stated they are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. I haven't received anything, but them stating they verified these accounts. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts which are listed below. 

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 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 2024-01-03 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: GA

Complaint narrative:
hello, i see there a im proper reporting on my credit score account # XXXX has been paid in full and never was in collections. please up date this account to good standings or remove from my credit 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
I received a letter from Blitt & Gaines PC about a debt in early XX/XX/. It was a debt validation letter. I chose to respond requesting more information. On XX/XX/XXXX  I was notified that someone was trying to serve me court documents at my home. I contacted Blitt & Gaines immediately. After speaking with one of their agents I learned that there was some issue with a bank ( not sure what ) that has prevented them from responding to my request. I am confused as to why I am being sued when Blitt & Gaines PC has yet to fulfill my request. It's been more than 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Cascade CISS Holdings, LLC
State: IL

Complaint narrative:
I am writing to complain to XACTUS-CP/XXXX XXXX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
I am being charged for an alleged debt, and I never entered into a contract with L J ROSS ASSOCIATES IN. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. They also never provided me with any written notice or right to dispute the debt before publishing it to my credit report. These acts are severely prohibiting my ability to access my own credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report. 
FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.

Company response to consumer: Closed with non-monetary relief