vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery refuses to validate the debt. On their online portal it does not show this account but they refuse to remove it from my credit report. I have documents showing on their site I owe nothing. It is the only collection on my account and it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Several of my now student loans were included in a XXXX XXXX XXXX  and payments were made until discharged. After my XXXX XXXX was discharged I still had to resume payments on my student loans. I've since filed for loan forgiveness and income driven repayment. My loans currently exceed {$90000.00} today. My journey began in the late XXXX to early XXXX through today with several forbearances and hardships filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XX/XX/2019 an automated charge for {$390.00} was placed on my PNC credit card which was erroneous and not authorized and requested the bacnk reverse the charge back to the vendor. PNC said the matter should be worked out with the vedor and I advised them that I did not have any contact with the vendor regarding the charge and ask then to reverse it. They refused to reverse the charge and subsequently reported the past due payment as delinquent and charged it off on their records earlier this year. As the charge was erroneous and not authorized I am asking they remove the delinquency status for the account along with the reported charge off that has been reported to the credit bereaus as unpaid as they should have never allowed the charge to being with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NV

Complaint narrative:
ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX and XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.

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 2023-11-11 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: NV

Complaint narrative:
ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX and XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
So basically I transferred money from my account to XXXX XXXX. The amount on XXXX XXXX has a daily limit, I reached my limit and I transferred the remaining balance back to Wells Fargo which was {$1500.00}. Wells Fargo stated that they put the money back onto my account however it never reflected back in my bill. I called Wells Fargo and asked for a statement for those specific day and I noticed that I had missing information. They credited me back the {$1500.00} and then I looked at my account weeks later and I was in the negative for {$1500.00}. They eventually closed my account checking account and left my savings account open. This has affected my credit. This is not Wells Fargo first time taking money from 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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/2023 I received letters from Synchrony Bank indicating that my 3 lines of credit with Sam 's, Lowe 's and JC Penney 's had been closed due to " high risk of failure to pay ''. This stems from a stop payment mistake XXXX XXXX made on a payment to Sam 's. The took responsibility for this mistake and tried to do everything possible to communicate with XXXX to resolve the issue. 
We have paid off ALL credit card balances in full, for I can't tell you how many years. Our credit score continues to decline ( from XXXX to barely XXXX ) per XXXX despite the remaining credit accounts we maintain are paid in full every month. Indication of slow payments are referenced which is not correct. All accounts are on autopay. 
I have done everything humanly possible to correct this and have my credit score reinstated to the level it was prior to this fiasco. I went to the bank and the manager reached out directly to a Synchrony representative and despite being told that a formal investigation would take place, nothing every happened. 
I have let this fall by the XXXX. Initially it was important for me to have the three lines of credit reinstated because they were financially beneficial because of points and discounts offered with their use. I no longer am concerned about credit with Synchrony, but I AM interested in having my EARNED EXCELLENT CREDIT RATING reinstated. 
I appreciate your help in resolving this matter.

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 2023-11-11 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: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: MD

Complaint narrative:
Collection Agency : Nationwide Recovery Business who raised : XXXX XXXX XXXX XXXX ( Closed ) Now called XXXX XXXX XXXX I lived in an XXXX  for 6 months in XXXX I left the XXXX and whatever dues, I owed I paid those rest was responsibility of the room mate. 

I have invoice from XXXXXXXX XXXX XXXXXXXX XXXX stating the same. 

I reached out to Nationwide Recovery Service ( Collection Agency ) why this debt collection was raised. They requested for invoice. I Provided them invoice. Collection Agency told me they will get to their client who raised the debt and will get back. It has been more than a month, and I have reaching to them to check but they are like we have not heard from their client. 

Instead collection agency is raising it as debt to all credit bureaus which is hammering my hard earned credit score In 5 years I never got any Call/email/ mail about this I asked them any ETA or date I should wait, they have no answer. They are hammering my credit even when i provided all the proofs. 

I connected with XXXX XXXX XXXX XXXX team now known as XXXX XXXX. They told me to tell Nationwide to connect with them, but Nation wide is not ready to listen to my request. They keep repeating that they have connected with Client and waiting on them and XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX ) told me they have not hear anything from them This False claim Not only hammered my credit score but also wasted 20 hours of my time. and harassed me as well

Company response to consumer: Untimely response
Consumer complaint received 2023-11-11 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: OK

Complaint narrative:
I request a copy of my credit report and once I gout it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
Credit for payments made under income driven repayment status not included with payments made under public service loan forgiveness I'm currently under. I've been pushed all the way back to the beginning regardless of paying student loans over half my life, I'm now XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Todays date is XX/XX/2023 My current and legal first name is and only is XXXX My current and legal last name is and only is XXXX My current and complete residential and mailing street number is XXXX My current complete residential XXXX XXXX name is XXXX XXXX XXXX XXXX 
My current complete residential mailing city is and only is XXXX My current complete residential mailing state is Alabama. 

Please remove or Cease retaining of any and all others that you might have reporting or on record or else present document statement certifying my rights to retain or report over consumer removal of authorization. 
To whom it might concern, I am requesting to remove the INQUIRYS AND CLOSE ACCOUNTS from my personal credit report. 
In genuine sincerity I close, my first and last name is and only is XXXX XXXX. My street number and street name is and only is XXXX XXXX XXXX XXXX my city and state is and only is XXXX, Alabama

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was an victim of Fraud since XX/XX/2022, I informed Chase bank fraud department to where they only took initiative to credit half of the charges to which theyre trying to make me pay for the other half that was fraudulent. Ive been sending them documents proving Im a victim for over a year to which they keep denying and stating the charges are valid. I dont understand if Im the victim and been sending proof why are the charges still valid? Ive sent over police report, including other documents from other credit card companies showing proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX Closed doors while I was attending. They knew I was 100 % XXXX and promised me my diplomas, and credits. All they did was leave me with nothing, garnishment, bad credit, and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX says being 100 % XXXX that I qualified for loans to be forgiven, or canceled long ago. I turned in all paperwork 3 times to Dept of Education and original lenders. Now they are about to begin garnishing my XXXX check again. US Department of Education needs to help me, please. I lose everything, not just my income, but my home. 
President Biden sent confirmation email I was approved for forgiveness, and now threats again from collections about garnishing my wages. Please please help me. It's as if I never put one college hour in, I attended 4 years, I never got a diploma, credits transferred, or even proof I ever attended college. 
Due to XXXX XXXX XXXX XXXX XXXX, and going through XXXX XXXX this past 2 years, along with having XXXX 3 times, I can't remember one thing I even learned attending XXXX. I was on presidents and XXXX list with XXXX XXXX at XXXX XXXX XXXX. I need answers, I can not live or eat on my income as it is. My credits been ruined behind this. The school closed while attending up through XXXX beginning XXXX XXXX, I'm 100 % XXXX, and will be homeless if this happens. Please get me through to someone that can help me get the loans wiped out. XXXX XXXX XXXX XXXX XXXX to XXXX, owe nearly XXXX, XXXX in loans for a degree I never received, and school closed, not to mention they lied to me from start up till closed down, just trying to take advantage me, knowing XXXX. That's a crime in itself. I need a lawyer, I need pro Bono or class action. Please reach me at number on file here for me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: OK

Complaint narrative:
I request a copy of my credit report and once I gout it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice

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 2023-11-11 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: OK

Complaint narrative:
I request a copy of my credit report and once XXXX XXXX it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice

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 2023-11-11 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: KS

Complaint narrative:
i have disputed innaccurate and incomplete accounts on my credit report on multiple occasions. the reporting agency has responded with verification of accounts, however they will not provide me woth their investigation process and results. also stated that the accounts have been corrected, however they are still being reported innaccurate and imcomplete.

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 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX Zelle accepted a request of {$120.00} to a XXXX XXXX. Someone who appeared to be a tattoo artist with the company named XXXX or XXXX XXXX. They booked an appointment using XXXX and took the money. The company does not exist but the funds should be able to be traced back to an authorized account who should be held responsible and is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NV

Complaint narrative:
ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX XXXX XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.

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 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a XXXX $ check and they restricted my account and Im unable to use any funds from the account. They say they were unable to verify my check from the phone number in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
i have requested validation of an alleged debt in XXXX and in XXXX of 2023. i also disputed the accounts through the consumer reporting agency, experian. Experian responded by stating that the account in question meet the FCRA requirements and that the accounts have been verified.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023 & XXXX Date of inquiry : XX/XX/2023.

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 2023-11-11 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: CA

Complaint narrative:
I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: NC

Complaint narrative:
Hey good day for the past weeks I have trouble getting a loan due to XXXX  days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXX XXXX  an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance

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