vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and here is my tracking number : XXXX On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. Experian really did not reinvestigation they lied on an official document saying they did something they did not do and i have evidence to prove my case

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 2024-04-24 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/2023 which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/2023 be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments in. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below. 

Account # : 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 2024-04-24 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: MOHELA
State: FL

Complaint narrative:
fraud, also has XXXXXXXX XXXX XXXX who is that i don't know anything! i am trying to get an car, i have been XXXX  stuck in the house not able to even get a XXXX auto loan! this is defamation to my character and livelihood and need to be disputed off my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have multiple items on my credit report that I'm not aware of.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed on XX/XX/2024 A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report.

and makes and they need to be removed.

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks 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 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Advised by Synchrony Bank of a new fee to be charged for paper statements. The fee is {$1.00} per statement. They do not specify which card or all cards they issue. 

This seems an unfair burden since we have 6 accounts that have moved to Syhrchrony : 4 store accounts and 2 credit cards. 

They do not supply a phone number or email address to question this policy across the cards we hold..

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 2024-04-24 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: TX

Complaint narrative:
XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX/ Hard Inquiry These accounts do not belong to me. This dispute is not being used as a form of credit repair.

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 2024-04-24 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:
XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX/ Hard Inquiry These accounts do not belong to me. This dispute is not being used as a form of credit repair.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mother recently passed and my brother, sister and myself were sent a check for our inheritance. It was a truist check so I decided to open an account and deposit it there. Everything went fine, the very next day I was checking the status of the deposit and it was stating that my case was closed due fraud. I contacted the bank and they gave me no information other then unusual activity and other reasons but no vividly clear answer. The next day I went into the bureau and the bank manager tried to find out what was going on and she wasn't given a clear answer. Now 14 days later I'm still waiting for my check they are supposed to send back to me after their investigation that proved to be false still denying me an account which I wouldn't bank there now if you paid me. I called yesterday to find out where the check was they said it wasn't even sent out yet that it would be sent out the next day which is today my wife called back yesterday to see if we could just pick it up from the branch they proceeded to tell her thst it was sent out and we would receive it tomorrow which is today and if it wasn't in the mail to contact them immediately. Well needless to say it wasn't in the mail. When we called they said it is being sent today. When I said so you lied and said it was already sent out when we asked to pick it up from the branch so we couldn't pick it up from the branch and they responded with thst is correct. In the mean time my wife my child and myself are hungry our power is shut off and my dog needs to go to the vet badly. The money that they have and are denying me that belongs to me is desperately needed and they have no cares as to the severity of this. They are fraud they lie and as many people thst have complained against them there should be a lawsuit in play with these people! It's not right. They are playing with people 's lives if you ask me! Do something about it! They need to be put out of business!

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 2024-04-24 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: WI

Complaint narrative:
My federal XXXX XXXX loans were serviced by Great Lakes that became Nelnet. When the the Federal laws changed regarding loan forgiveness during the pandemic I called Nelnet to apply for forgiveness ( XXXX XXXXXXXX ) as a XXXX XXXX XXXX for 18 plus consecutive years. I paid on the loans from XXXX until I requested forgiveness in XX/XX/XXXX consistently via electronic payment. I did not request any relief during the pandemic from loan payments. My loans were paid in full as of XX/XX/XXXX. I made more than the amount of the qualifying payments ( 10 years ) while consistently employed by XXXX. I requested the refunded amounts ( since the start of the forgiveness process ) of overpayment ( beyond the 10 years of payments ) and/or pandemic period amounts paid ( march 2020-Nov 2021 ) several times from Nelnet, who consistently tell me to call other entities, Department of education, XXXX and now XXXX who did not service my loans. Department of education has record of the loans but XXXX did not service them and does not have any records. Most recently Nelnet told me its too late now to make any request when they have consistently directed me to call elsewhere ( XXXX who again doesn't have any record of servicing my loans ) to make the request. I was also told the correct entity was XXXX that doesn't exist anymore who I also called over the two year span for a refund. Under the federal rules I was to be contacted by a servicer or guarantor on how to request a refund and was never sent the information. I want the refund in loan payments I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2024, I sent Jefferson Capital Systems , LLC ( XXXX XXXX XXXX  XXXX ) a notice regarding a collection I discovered on my consumer report. Per FDCPA 809 ( a ), I did not receive any written communication ( XXXX XXXX ) and requested proof that it was sent, In addition, my consumer rights were violated under 15USC 1681b ( a ) ( 2 ) -Permissible Purpose, 18 USC 1028A-Aggravated Identity Theft and 12 CFR 1006.30-Other Prohibited practices. The original letter I sent, and all of the violations are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got scamed and Bank of America and XXXX bank did not preovent it. I sent wire transfer from my Bank of America account to froduland account in XXXX bank. 
I see that both banks did not make right Fraud and Business checks as well as Anti Money Laundering checks. 
I filed a complaint to Bank of America to recover money sent via wire transfer but they operate very slow. 

The scammers website is still up : https : XXXX # XXXX and I see that they created one more websites XXXX XXXX XXXX XXXX XXXXXXXX to scam more people. 

How they work : 1. Select a good looking dealership on XXXXXXXX XXXXs. 
2. Register a fake company at your address and create a website. 
3. Post widely on the XXXXXXXX XXXX  with a link redirecting to their website. Whenever you see 3+ duplicated posts in different cities 99 % this scamers did it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I call them, they answer, give details via phone and email, which seems legit. 
5. Provide instructions for wire transfer. 
6. I send money, they say they will deliver the RV. 
7. Then they have problems, delays, car accidents, insurance work and the RV never arrives. 

It's been already around 2 weeks but they are still operating. 


Wire transfer details : DATE : XX/XX/XXXX DIRECT INQUIRIES TO : XXXX OPTION 2 ACCOUNT : XXXX THE FOLLOWING WIRE WAS DEBITED : USD AMOUNT {$12000.00} ____________________________________ TRANSACTION REF : XXXX SERVICE REF : XXXX RELATED REF : XXXX ORIGINATOR : XXXX XXXX ID : XXXX INSTRUCTING BANK : CONSUMER ID : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID : XXXX BENEFICIARY 'S BANK : XXXXXXXX XXXX XXXX XXXX. ID : XXXX PAYMENT DETAIL : XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone has opened a kohls credit card in my name after contacting them multiple times and reporting it as fraud they still refuse to close the card, and report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collection Systems, Inc.
State: AZ

Complaint narrative:
Noticed debt on credit report. Filed dispute with XXXX XXXX on XX/XX/XXXX about a collection showing on my report. The collection company is American Collection Systems XXXX WY phone # ( XXXX ) XXXX. Tried calling to get information from them on XX/XX/XXXX about the creditor. Company name shows as XXXX XXXX XXXX. American Collection said they could not disclose information about the debt but did provide a phone number. American Collection said to wait 10 minutes while they reached out first to let them know I would be calling. American Collection couldnt find me at first then found it under XXXX XXXX. Have not used that last name in over 30 years. Tried calling XXXX XXXX XXXX on the number given to me by American Collection and it goes to voicemail and have not gotten a call back. The phone number given to me for XXXX XXXX ( XXXX ) XXXX. It was sent to American Collection on XX/XX/XXXX with a balance {$11000.00}. The account was opened XX/XX/XXXX for an amount of {$10000.00}. American Collection said that a judgment has been filed against me under XXXX XXXX and could not disclose information due to Arizona privacy law. I find it strange that the agency wanted me to wait 10 minute to call the creditor so they could call and let them know I was going to call. I have no idea who this company is or what XXXX XXXX XXXX stands for. They told me they could not provide me that information and to call them after she did. I have not received any communication from either company about this debt. I reach out to find out why this is on 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
Description of the problem : PAYMENT NEVER APPLIED TO MY ACCOUNT- GOLDMAN SACHS BANK ( APPLE CARD ) Sent a payment of {$6000.00} to Apple Card ( Goldman Sachs Bank ) electronically on XX/XX/XXXX. Check for payment was cashed on XX/XX/XXXX. The payment was never applied to my account. 

I have tried to take care of this issue directly with Apple card support. I have sent them the voided check to show them that it was cashed. They told me they would investigate on their end. 

On XX/XX/XXXX Apple called saying that they would finally apply {$6000.00} payment to account with interests accrued. 

It's now XX/XX/XXXX. I have called them and they have no idea what I am talking about. 

No one knows what is happening, continuous contradictions and I have all recorded over the phone. 

This is so stressful as I am being taken advantage of. 

I have never in my whole life experienced anything like this and GOLDMAN SACHS is responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Company has debt listed on credit report that I did not enter in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
XXXX had them call me to settle a dept at my request XXXX XXXX tricked and decived me and sent me a recept for total XXXX XXXX XXXX mca collections XXXX XXXX XXXX XXXX XXXX XXXX  using momeys for XXXX  for somingthing elce brakes federal law

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I have items on my credit report that I'm unaware of.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I received notification a few years that I had a bankruptcy on my credit report. I reached out the bankruptcy court in XXXX, WI to ask did they report to the Credit Bureau 's in which they replied NO. I have attempted to dispute this Bankruptcy but it remains on my credit report with this inaccurate information which has not been verified through the " Source which is the US Bankruptcy Court of Wisconsin '' because they DO NOT REPORT NOR VERIFY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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