vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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 am writing to express my frustration and disappointment regarding the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit file. I have made multiple attempts to dispute and remove these inaccuracies, but despite my efforts, the issues persist. This situation has caused significant distress and has a severe impact on my financial well-being. 

I have attached supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud and to assist in the investigation. I demand that you promptly initiate a thorough investigation into these matters and take immediate action to remove the fraudulent entries from my credit report. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : $ XXXXpreviously Late Open : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: PA

Complaint narrative:
I have been trying for several months to get Nelnet to provide information on the number and amount of payments to my prior servicer ( XXXX ) as they have not been provided to me. I have at this point emailed them twice in XXXX, once in XXXX and again in XXXX and received no reply beyond canned responses saying their answering of emails is delayed and beyond that I have received no information. Several of my requests were made through their online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: OR

Complaint narrative:
I was prescribed a XXXX machine by XXXX XXXX in late XXXX to address XXXX XXXX. After making dietary changes, my doctor and I determined the XXXX machine was no longer needed and could be returned. During the XXXX period I had the XXXX  device, I received and paid several bills thru my bill-pay service. I returned the device to XXXX on or around XX/XX/XXXX. I received additional bills in XXXX and XXXX of XXXX, and promptly paid those. I have evidence of payment ( screenshots of the billpay history ). I received untimely additional bills from XXXX for the XXXX machine in XXXX and XXXX of XXXX, which I also paid. I also contacted XXXX to question why I was receiving these bills so late, and they explained this was due to billing issues, and they stated verbally that these were the last bills and we agreed on a final payment amount. Then, in XX/XX/XXXX I received an additional bill for {$76.00} from XXXX after the matter was settled. I refused to pay this, and XXXX sent the bill to a collections agency, which researched this and sent me a letter stating the matter was closed. Beginning in XX/XX/XXXX I began receiving payment demands from ARStrat, and I responded in writing that the matter was closed, but they continue to pursue collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : CAPITAL ONE XXXX. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX Transactions sent by XXXX XXXX and XXXX {$15000.00} I called my bank and XXXX and told them the situation and how I was being forced and threatened by this person and no one helped me

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 2023-12-12 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: NJ

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: NJ

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.

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 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Collection Partners, Inc.
State: IL

Complaint narrative:
I received notification of alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Credit Collection Partners. I contacted the law office on XX/XX/23 at XXXXXXXX XXXX and spoke with the receptionist. She advised that I would need to reach out to the hospital. I told her that I have been arguing with the hospital of the validity of the debt due to numerous billing issues with the hospital continuously billing the incorrect insurance. That all I wanted was a detailed billing statement showing 1. what was billed. 2. the insurance company billed 3. how the payment was allocated. My insurance has some items that are covered 100 % even if I have a deductible. The receptionist told me that someone would call me back as they currently had no access to my information. I contacted the hospital and the woman 's response in billing was to contact my insurance company for an explanation of benefits. A few days later the collection company mailed me a printed out report that was not legible to the normal non-medical person. I called back on XX/XX/23 @ XXXX and spoke to someone in the office who did not care to listen to what I was explaining to her. That the information was not what I had requested. On XX/XX/XXXX I received notice to appear in court on XX/XX/XXXX. When I went to court the attorney for the collection agency was advised that proof of the valid debt had not been given. I advised the attorney that I pay my bills. That I had been continually been given the run around by the hospital and the collection agency about giving me the information that I had requested so that I can validate the debt. I was given the business card of XXXX XXXX to contact on behalf of the collection agency. I emailed XXXX on XX/XX/XXXX. I explained to her that I have been asking for the information to verify the debt and my responsibility of it. XX/XX/XXXX I received a response from XXXX that her advice to me at this point was to ask for a bench trial. On XX/XX/XXXX I received notice in the mail from the collection agency that I was receiving a notice of hearing on XX/XX/XXXX. The total of the debt is {$700.00}. I have jumped through many hoops to try and get verification of information and have not received what I have requested. Had the information been provided upfront this all could have been avoided. At this time I feel they are trying to sue to add on extra fee 's which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
Here is a summary of the situation and the additional information : 1. Submitted initial disputes to XXXX XXXX concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with XXXX XXXX XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided XXXX XXXX with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided XXXX XXXX with the essential information needed to expedite the investigation and resolve the disputes promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CT

Complaint narrative:
I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did with Account : XXXX # XXXX. I also returned the equipment and paid my final bill after doing so the company charged me for a return fee and did not bring that to my attention. I received no letter or phone call about this bill. XXXX and XXXX deleted the account with no issues and Transunion did not. Under the fair credit reporting act, account # XXXX with 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 also states a consumer reporting agency can only furnish an account with my written instructions.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a small business. I have a Chase business account and with them I could collect payments with credit cards processing service through WEPAY. Since I opened this account I have use it only once to received a payment and had no problems.On XX/XX/XXXX  I received a payment of {$2700.00} with a client 's credit card and I processed the payment on my phone with the Chase app and the payment went through.An hour later I received an email from XXXX with this response : " Your payout has failed We've canceled your XX/XX/XXXX  withdrawal of USD {$2600.00} '' with no further explanation. On XX/XX/XXXX  I called Chase Support they said they do not have any information on why my funds where being held and also they told me I could appeal the decision with Wepay through email. I sent the appeal email to Wepay with a copy of the contract that my client signed and all her information and the receipt for the {$2700.00}. I also ask them to contact my client to corroborate the transaction.Shortly after I received an email stating that funds still were going to be held for 120 days and can not give and explanation the answer was " All information regarding our review process is proprietary, so no additional information is available in these instances. '' they did not investigate at all. My business is small and depends on this payments. Holding my funds for 4 months will hurt my finances. I hope you help me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
I was added as an authorized user many years ago to my sisters XXXXXXXX XXXX XXXX XXXX card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXXXXXX  I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.

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 2023-12-12 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: GA

Complaint narrative:
I was added as an authorized user many years ago to my sisters XXXX thank you preferred card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXX I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
I was added as an authorized user many years ago to my sisters XXXX thank you preferred card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXX I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.

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 2023-12-12 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: GA

Complaint narrative:
There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed 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 2023-12-12 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: GA

Complaint narrative:
There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I tried to purchase a XXXX XXXX card due to a promotion offering a bonus {$5.00} XXXX XXXX card with the purchase of a {$25.00} XXXX XXXX card. I tried to purchase several times and immediately after each purchase my order was automatically cancelled. 

Here is a list of my cancelled orders : Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD I called the XXXX customer service number listed in the order cancellation emails on XX/XX/XXXX to see if I can get unblocked from orders. They are not able to do anything and only able to tell me what is already listed in the email. 

I would like to be removed from whatever block that is preventing me from completing an order and be able to purchase a {$25.00} XXXX XXXX card whenever there is a future promotional offer.

Company response to consumer: Closed with explanation