vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: Block, Inc.
State: PA

Complaint narrative:
cash app card money from a hotel was released to go back on my card t transaction was made XX/XX/year> XXXX XXXX XXXX NJ the hotel released back to my acct XX/XX/XXXX i contacted cash app several times they keep giving me different excuses this is past 30 days now they say i will get a response on email 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Request to reopen CFPB complaint XXXX. 

Bank dishonestly advised CFPB that it would seek to resolve my complaint by crediting my account for their error ( and provided CFPB with an account of its error which differs from the multiple explanations I received from the bank ). CFPB obliged, unilaterally closing the complaint. 

No credit has been received for the bank 's errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-07-01 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-07-01 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the information being reported about me on my report. I do not know what is correct anymore and need this inaccurate account off my 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 2024-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I am writing to file a formal complaint against SEQUIUM for engaging in debt collection activities within my state without being registered. I believe their actions are in violation of the laws and regulations governing debt collection practices. As a resident of FLORIDA, I recently became aware of the activities conducted by SEQUIUM. Upon investigating further, I discovered that they are not registered or licensed to collect debts within my state. This raises serious concerns about the legality and legitimacy of their operations. According to the laws governing debt collection in our state, all debt collectors must be duly registered with the appropriate regulatory authority before engaging in any debt collection activities. This requirement exists to protect consumers like myself from unfair and deceptive practices that may occur during the collection process.In addtition i have never received form of communication regarding the dipute of this debt. please provide me with these following -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature - proof that I received your initial 30 days notice to dispute this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have contacted National credit sister, which gave me a letter saying that they would ask the Credit Bureau to remove this from my credit as it is not mines. I have contacted your company and they said they would take it down yet. They did not has seriously affected my credit. 

and again they refuse to take it down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-01 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: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I entered into a loan consolidation with my credit union ; XXXX XXXX XXXX XXXX to pay off several credit cards. One card was XXXX  and it is managed by XXXX XXXX XXXX. This card was paid off for the amount due at the time of the consolidation loan which was {$810.00} on XX/XX/XXXX. The check was cashed by them on XX/XX/XXXX and they closed the account on XX/XX/XXXX. They have continued to add charges to the balance which is now {$1300.00} and have reported it as a charge off on my credit report. I have made numerous phone calls attempting to resolve this and each time I am told to send the information to XXXX which I have done now three times. They will not give me a phone number to contact this back office and they have not responded to my emails. Each email has had the cashed check copy attached but they refuse to acknowledge me or their mistake. This false credit item is damaging my personal credit score. The only phone number I have is XXXX and they will not give me a phone number to contact their " back office ''.

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 2024-07-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to seek your assistance with a matter concerning Wells Fargo Bank. Despite my efforts to resolve a dispute through the banks designated channels, I have encountered a series of challenges that suggest a deliberate neglect of my case. 

After initiating a dispute on XX/XX/XXXX and today I provided all necessary evidence to support my claim. However, instead of processing my dispute, Wells Fargo Bank has repeatedly requested that I call back and resubmit the same evidence, which I have already provided. This cycle has been ongoing, and each time I am assured that my evidence will be reviewed, only to be asked for it again later. 

This pattern of behavior from Wells Fargo Bank is not only unprofessional but also feels like harassment. It appears to be an intentional tactic to delay and possibly deny the resolution of my dispute without just cause. 

Therefore, I am turning to the CFPB to request an intervention in this matter. I believe that Wells Fargo Banks actions are in violation of fair dispute resolution practices, and I seek your guidance on how to proceed to ensure that my dispute is handled appropriately and justly. 

Enclosed, please find copies of all the evidence and correspondence I have submitted to Wells Fargo Bank thus far. I am hopeful that with your involvement, this matter can be resolved swiftly and fairly. 

I look forward to your prompt response and thank you in advance for your attention to this urgent matter. 

Sincerely,

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 2024-07-01 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: NJ

Complaint narrative:
Upon me reveiwing my credit reports i noticed that three accounts namely XXXX XXXX XXXX ACCOUNTS AND 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I entered into a loan consolidation with my credit union ; XXXX XXXX XXXX XXXX to pay off several credit cards. One card was XXXX  and it is managed by Continental Finance Company. This card was paid off for the amount due at the time of the consolidation loan which was {$810.00} on XX/XX/XXXX. The check was cashed by them on XX/XX/XXXX and they closed the account on XX/XX/XXXX. They have continued to add charges to the balance which is now {$1300.00} and have reported it as a charge off on my credit report. I have made numerous phone calls attempting to resolve this and each time I am told to send the information to XXXX which I have done now three times. They will not give me a phone number to contact this back office and they have not responded to my emails. Each email has had the cashed check copy attached but they refuse to acknowledge me or their mistake. This false credit item is damaging my personal credit score. The only phone number I have is XXXX and they will not give me a phone number to contact their " back office ''.

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 2024-07-01 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: AL

Complaint narrative:
I looked at my credit report and noticed an inaccurate account and according To be fair credit reporting agency whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX Is not complete nor is it accurate XXXX XXXX XXXX Open date is not reporting correctly the date last active the date of last payment is also not accurate.

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 2024-07-01 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: VA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
Upon reviewing my consumer report, I noticed hard inquires that I did not make, nor did I approve anyone to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
AVANT LLC/WEB BANK + XXXX Has been reporting Negative on my credit report I never opened this account. This account has been affecting my abilities to attain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I am filing a complaint for XXXX XXXX XXXX by XXXX XXXX  for nonpayment on my home insurance policy. The deadline to pay my XXXX XXXX XXXX XXXX policy was XX/XX/year>. They stated the check was cut XX/XX/year>, and I recieved a letter from XXXX XXXX with a policy cancellation letter and the amount of the check. The insurance company refused to reinstate my home owners insurance policy. 
In addition, due to this oversight I have requested to be responsible for my own taxes and insurance payments. This request to remove impound was rejected. I am really upset that they'd collect my monthly mortgage with PMI and default on my home owners insurance. How unprofessional!

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-01 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: MO

Complaint narrative:
This account I have reached out to equifax to fix back in XX/XX/XXXX and they responded in less than 6 days closing it out with no updates that I pointed out. I showed my account information incorrect with a past due balance and credit limit on a closed account that is in collections. I have reached out to them and they did not investiate this properly. The collection company is XXXX XXXX and the account ends in XXXX. They are reporting a high credit, past due monthly amount and are pretending to be a creditor but they are a collections company. They are reporting in a way that is dragging down my credit score and preventing me from getting a home to purchase. I am frustrated and I need someone to help me in the government because I believe they are nothing more than two computers talking to each other using a program called metro 2 and reporting errors. The government should step in and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: OK

Complaint narrative:
All of my student loans were paid in full without ever having a payment plan. They were paid in full from my personal earnings in XX/XX/XXXX. However, during Covid-19 Pandemic protection requirements, payments were deferred in XXXX through XXXX. The Department of Education shows my XXXX student loans XXXX late XX/XX/XXXX, and XXXX late XX/XX/XXXX. These late payments were posted even though all student loans nationally were deferred during these months. Accordingly, I am within my rights for these late payments be deleted permanently. DELETE THESE LATE PAYMENTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-01 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-02 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief