vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: OR

Complaint narrative:
I took out an emergency loan that was deposited in my bank account XXXX XXXX, as I am having a financial hardship at the moment.This loan was provided to me through XXXX XXXX. I was made aware that the interest for this loan is XXXX %. They are expecting XXXX payments in the amount of {$310.00}, these payments made XXXX  a month. The amount loaned to me was {$1100.00}. By the time the I pay this loan off- I will have paid {$5600.00}. This is not fair, and this ( in my mind ) is as bad a robbery. I needed a short term loan, but its my fault for not understanding the fine print, and interest amount attached to it prior to signing. I cant believe that this company is feeding off of struggling Americans- it is not just a small amount of money with a fair interest- this is pushing upwards of XXXX  % interest. How is this legal? They are located in Wisconsin on tribal land. I was not aware about this information. I am so upset and regretful for taking this loan- if I wasnt in a financially tough spot, I wouldnt have by any means. Now I am going to be struggling to pay back the initial loan amount of $ XXXX its all going to interest. I will never get ahead. I am worse off with this loan than I was the day I decided to take it. I need help, please. I beg for any help regarding this situation. Is there another way I can pay this without this astronomical interest?

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Reporting Agency removed XXXX XXXX XXXX from my consumer report and added it back without out notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX number is XXXX and claim number is XXXX I shouldn't have got billed from the {$2.00} by it self into XXXX different billed charges and {$28.00} they have added the {$2.00} in the {$28.00} but they billed me for the {$2.00} again for no reason and I have contacted the customer agent by support on XXXX telling the issue but they couldn't refund me for both payments I want a refund for both payments etc. 

Update I only got temporary credit for {$2.00} and then a temporary credit for {$2.00} total I got was for {$5.00} and I never got the full credit for {$25.00} I am disputing that full amount too as wrong amount so that amount need to be credit in my account for {$25.00} because I told the agent who open both disputes I am dispute the whole amount for {$2.00} and {$25.00} I didn't get the {$25.00} credit please add it to my account My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX please dispute the whole amount for {$25.00} and give me a credit for that amount to {$25.00} etc.

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: GA

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 — Account information incorrect
Company: EQUIFAX, 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 r

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have been paying my bill on time. At some point I made a payment on the closing date. Of which I was unaware of as when I logged in to their website it showed a payment due date and amount. I just payed the amount. The company explained that those parents didn't apply to the current billing cycle that showed on the website but instead to the prior billing cycle as it hadn't closed yet. I paid too early. I am frustrated as a customer as it seems fraudulent to post an amount due with a due date and apply it to a prior month, initially making the prior month have XXXX payments and the current billing cycle half no payment, thus then giving the customer a late payment fee and a 30 day late notice. 

It seems like a loophole in their system to charge customers occasional extra fees. 

When I shared my concerns and requested the fees to be taken off my account, they explained that they were unable to adjust the account as it was my fault for paying on closing. And that I should wait to pay within the window. My due date is the XXXX of every month. The earliest I paid was the XXXX of the month prior to the due date. Which is after the due date of the prior month and before the due date of the following month.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing again a complaint against Experian for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/2024 with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is XXXX XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) Experian closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by Experian continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : Experian failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : Experian did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have Experian take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to Experian ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Validation request on XX/XX/year> & XX/XX/year>. Ability Recovery Services has not sent any correspondence pertaining to this matter. The debt continues to be reported to the 3 credit Bureaus. This is against FDCP practices.

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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
That's not my signature on the document and they send this account to a 3rd party without my permission and they keep calling me after I have asked them not to on serval occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My Care Credit card interest rate recently increased from 29.99 % - 32.99 %. No reason was given and I have never missed a payment. I was also never made aware of how my payments would be applied to 6 month interest free charges. Subsequently I was recently charged two seperate interest rate charges, one for {$600.00} and one for {$920.00}. The company refused to help lower these charges or alter my current interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: 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: TX

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I am filing a complaint against Rubin & Rothman , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) related to a fraudulent XXXX XXXX XXXX account ( # XXXX ) opened in XX/XX/year> due to identity theft. Despite filing an identity theft police report, Rubin & Rothman , LLC has filed a judgment against me and is withdrawing money from my account. 
The specific FDCPA violations include : XXXX.Failure to Cease Communication ( 15 USC 1692c ) : Despite notifying them of the identity theft, they continue collection efforts. 
XXXXFailure to Validate Debt ( 15 USC 1692g ) : They did not provide adequate debt validation. 
XXXX.Harassment and Abuse ( 15 USC 1692d ) : Persistent collection attempts, filing a judgment, and withdrawing funds have caused significant distress. 
XXXX.Misrepresentation ( 15 USC 1692e ) : They misrepresented the validity of the debt. 
XXXX.Unfair Practices ( 15 USC 1692f ) : Filing a judgment and withdrawing funds for a fraudulent debt is unfair. 
Attached are copies of the identity theft report and police report for reference. I request the CFPB investigate these violations, take appropriate action, and provide relief from the judgment, refund the withdrawn money, and remove any negative information related to this fraudulent account from my credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX 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 in those account to be removed.

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. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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: 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 applied for the XXXX XXXX for the XXXX - XXXX semester. However, I am also showing I received funding from XXXX. I have no idea what that it. It has been about a week and still nothing in regards to my XXXX XXXX and the update for CONSOLODATION LOAN.. The XXXX website has been down for 2 days now, so I am waiting to see that information. When I contact the school about the loan for the XXXX loan, they send me to the XXXX website XXXX but now for the XXXX year they are telling me to go to workday. I had tried multiple times to get information for the charges for semester. The school has continued to tell me that they have already given me enough funding, but they keep changing my XXXX information. They change my refund amounts. They change my purchases. And apparently now I have grants or loans that I do not even know exactly where they came from. There are disbursements and semesters that I have not even appeard to for class, however there is XXXX information and aid sent. 

Student id XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that It is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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