vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm urgently contacting you regarding critical discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). It has come to my attention that persistent errors remain in my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations include : Inaccurate financial data furnished by creditors to reporting agencies. 
Merging individuals ' information based on name or social security number similarities by agencies. 
Neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I hold specific rights, including : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information according to prescribed time frames. 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 



I anticipate prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will unfortunately leave me no choice but to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid off my Citibank credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted Citibank immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.

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 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
NELNETs website is down every single month for days and wont let me submit a payment. Then they charge me a late fee when I wasnt late to submit a payment I was on time the website just doesnt me submit a payment and then it goes overdue. This happens every month and when I try to call them via phone their hold time is 3 hours long. They have no live chat support option and it is impossible to have someone at nelnet help you. Ive also had someone at nelnet hang up the phone on me after a 3 hour wait time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Bought my house with cash XXXX, XXXX from divorce money. I am permanently XXXX. In XXXX, was scammed with cash and credit cards. XXXX XXXX into a XXXX loan with XXXX cash out. The loan seems illegal. Research says it is illegal to turn unsecured debt into secured. Null and void. In XXXX, XXXX XXXX bankruptcy discharged all my debt. XXXX shows sls loan as closed due to bankruptcy and no liens on property. There are no liens on my property at the local Courthouse either. They refused to modify my loan about a year ago. They did not respond to my app requesting mortgage assistance. They said short sale is available as an option. But i have asked for short sale, and they don't respond, instead say they need full payoff. They are playing hardball, especially since their homeowners insurance would not cover a water shut on after pipe freeze problem last year.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
i made a purchase two times for gift cards, {$100.00} each time. My credit card got locked, I was sent a fraud text with a phone number to call. I called the phone number twice and was placed on hold, after long waits i hung up. On the third call I was given an automated message that said their system was down and i would have to wait 1-2 hours, at this point it was after XXXX so i did not wait and called the next morning at XXXX. I was told on the call i had to provide an alternate phone number, not the one on my account, i did not have one since i do not have alternate users on my credit card and i do not have 2 cell phones. I was told i could give them a Citibank bank account or credit card to verify, i have another citibank credit card but their system did not recognize it so they could not use that. The last resort is to mail a physical letter to my address to verify, they will not verify me in person at a Citibank establishment either. I was also told if i call back in 1 day, they could use my primary phone number to verify me, so i waited a day, when i called back after that day, they told me it is actually a 2 day wait. I have spoken to 4 representatives and 1 supervisor, all telling me that there is no other way to unlock my card. To top it off, i had to use those gift cards that i purchased and was charged for and it locked all the other gift cards i used on the purchase so that i was limited on how i could use not only the gift cards from this Citibank purchase but the gift cards i had from another purchase from another credit card. I still don't have a resolution, i have {$450.00} worth of gift cards that i purchased with Citibank and another credit card that i can no longer use but have been scratched so i cant return them. Citibank credit fraud services really messed me up, caused me days of stress and i might be out {$450.00} for a legitimate purchase that was only {$200.00}.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/2023, I requested a balance transfer cash offer to my personal checking of XXXX dollars. I was told that I was approved and that the moneys will be deposited in my account in 5-7 business days. I was also giving a confirmation number XXXX from Barclays Old Navy customer service representative. After serval days of waiting for the money to be deposited into my account I gave the credit card company a call to see why the money was not there yet and they stated that they tried to call me to verify that it wasnt fraud. I never received a call, email of voicemail from this company. I called to validate my identity to let the company know that it was me honoring the transaction again and I was told the promotional transfer to my personal checking was no longer available and that I can only do promotional balance transfer to another credit card. I still have 29-30 days left for these offers to be granted to my account. I dont understand why Barclays took the offer off the table if my identity was cleared. Im very upset at this matter and would like to get this issue resolved.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX  Equifax score dropped with no visible details of why the score dropped. I mad a complaint directly to Equifax. Representatives and Supervisor was able to give a explanation of the score dropping at XXXX points. After several complaints directly to Equifax I was not able to open up the MyEquifax.Com portal. I spoke with the technical Department. I was informed that this would be resolved in the next 24 hours. 
As of today the portal is not accessible. I believe this was done purposely sue to the unexplainable drop in my credit score of XXXX points. I also submitted court forms to move forward with a law suit due to stress damages loss of financial gain defamation of character. Recently an perfectly good account was added to my credit report. XXXX XXXX reported three years of on time rental Payments and my score only went up XXXX points. Constant harassment. discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: OH

Complaint narrative:
XXXX is not updating my student loan balances with credit agencies. They have not provided an update since XX/XX/XXXX. During that time, I have paid off my student loans entirely. I have filed disputes with the credit agencies that go nowhere as I am told, generally, that they simply report the information from the debt holder. I have attempted to contact XXXX on multiple occassions, but after two to three hour hold times, the call usually drops, but if I do get someone, they aren't in a position to actually do anything, and say that XXXX reports the information.

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 2023-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently checked my credit take and noticed a collection from a comoa y I have never done business with nor ha XXXX any contractd with. This fraudulent claim could potentially cost my family many XXXX  of dollars. 

CREDIT COLLECTION SERVICES XX/XX/2023

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I opened a savings account and deposited a check into it. The check cleared on XX/XX/XXXX XXXX XXXX Then on XXXXXXXX XXXX I received an email saying my account had been closed with out any further information as to why. I called them after waiting 2 months for my funds to come by check in the mail and all they could tell me was that my account was closed and if recorded a check 7-10 business days from the date it was closed. I called another time to request account information and status of check that I hadn't received and they tell me they can't find any information on my account ever existing. I find this ridiculous and it's put me in a bind financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
Inaccurate reporting information not matching in every credit report and charge offs arent suppose to report because they received a certificate of indebtedness, they are causing injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I ordered copies of my credit reports after receiving notification alerts that my scores had dropped. After reviewing my reports, I noticed that Aidvantage is reporting all of my student loans as being in default but also as being part of a bankruptcy case. On two of my credit reports Aidvantage is being listed five times whereas it is being listed twice on another credit report. I initially followed the dispute process and disputing all of my accounts with Aidvantage as being reported incorrectly. The credit agencies sent my results showing Aidvantage verified all of the accounts as being reported correctly. The loans were in deferment, but I applied for loan forgiveness due to several years of Public Service and was approved. My loans were first consolidated and then approved. I did receive a initial letter stating forgiveness, but the letter was destroyed in a house fire. I mailed a certified letter to Aidvantage questioning the reporting as well as requesting for a verification letter so that I could send the letter to the credit reporting agencies. I received no response. Most recently, contacted Aidvantage and spoke to a representative explaining the same situation. The representative placed me on hold for approximately seven minutes to receive my file. I was informed that a copy of the original letter I was sent showing satisfaction of the loan through forgiveness would be mailed to me. However, I was sent a generic letter dated XX/XX/, showing the consolidated amount and interest rate of 5.000 %. Nowhere in the letter is there any mentioning of my loans being forgiven or my account being closed with a XXXX balance. When I log into my account, a XXXX balance is showing, but the credit reporting agencies will not accept a printout from the computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XXXX I had a hard time getting my card back out of a ATM machine. Since it took too long, the ATM indicated it cancelled my transaction due to timing out, however it indicated to my bank account the funds were withdrawn. My card holder did an investigation and you ATM still indicated the money was withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: GA

Complaint narrative:
Experian has 7 fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad experian is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX  account thats on my report please have removed because its fraudulent I didnt open any XXXX account

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 2023-12-17 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: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Addressing Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing to urgently address critical discrepancies found in my credit report that blatantly disregard the regulations stipulated in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors remain in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the precise collection and reporting of consumer credit information. Its mandate is to ensure accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby upholding transparency and fairness in credit reporting practices. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I hold specific entitlements, including : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items starkly violate FCRA standards due to inaccuracies, lack of verification, and sustained invalidation. Their existence has caused significant distress, notably affecting my recent credit application, which was denied due to errors originating from your agency. 
1. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

I anticipate swift and comprehensive action to address these violations within the FCRA 's mandated timeframe. Should compliance falter, I will unfortunately have no alternative but to seek legal redress to ensure my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief