vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: Nelnet, Inc.
State: MS

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
XXXX is furnishing deceptive information to Equifax who is then publishing this information onto my consumer report. This allege debt has not been validated and they have provided no evidence to prove this is my debt. Who exactly did they speak with? What documents were received to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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:
I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service XXXX IRS ) XXXX is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this XXXX indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including XXXX indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. XXXX, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this XXXX indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently XXXX, Experian, XXXX are in violation of the FCRA. 

Furthermore, the inclusion of this XXXX indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-XXXX it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Even after my information as a consumer was provided to a XXXX party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2XXXX Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2024-03-25 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:
I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-03-25 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: MI

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX 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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft I have two case numbers with XXXX XXXX police department in Georgia from my purse being stolen I am still suffering from things being opened in my name I am requesting that the company provides an ID as well as my signature to open this account if they do not provide me with a copy of my ID that I have since the report was made then I am demanding that be deleted off of my report this is not my account please remove from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: TX

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.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm utterly crushed by what's happened over the last four months. Around XXXX XXXX, Chase suddenly closed both my personal and business checking accounts, wiping out a total of {$110000.00} and about {$2000.00}, respectively. It hit me like a ton of bricks when I tried to log in and found myself locked out. After countless calls, all I got was -- -they could not tell me why and that a check with the amount of all the money in the account would be mailed out to me, I shall expect to receive it after 14 days. 

But two weeks came and went with no sign of that check. I felt helpless, especially since I was visiting family in Florida at the time, and all my attempts to sort things out at the local branch led nowhere. XXXX XXXX, the branch manager, did her best to help, even reaching out to Chase 's legal team, but we got no response. 

I poured my heart out to Chase 's complaint team, offering whatever they needed in order to expedite my case faster since I really needed all my savings back. I cried many times, over the phone, in the branchescountless times. I explained to them -- -this money wasn't just mine ; it was everything my parent had scraped together in XXXX to support my XXXX 's education in the US , plus my own hard-earned savings from the past year. 

After what happened, I had to borrow money from my friends to pay my rent, tuition, and monthly bills. Since I put almost all my money in Chase, I did have not enough money left for me to sustain my living. I feel desperate. 

Despite XXXX from the Chase 's complaint team 's efforts, we hit a brick wall with Chase 's legal team. No matter how many times I tried to reach out to the legal team. There was 0 response. All I heard back was It is under review by the legal team. '' " The legal team didnt respond. '' " They will let you know once its approved. 

I've tried everything, but I'm at my wits ' end. It's not just about the money anymore ; it's about the injustice of it all. Chase shut me out without explanation, leaving me high and dry. I'm pinning my hopes on the Consumer Financial Protection Bureau to step in and right this wrong. 

I have attached 1. The document I received from Chase for my last checking summary ( it was recorded they took out all the money on XX/XX/XXXX with an amount of XXXX. ) 2. Screenshots of the emails I sent to Chase 's branch manager XXXX in XX/XX/XXXX 3. The Chase 's complaint team 's phone number & notes I recorded for me to call Chase every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My brother and I are inheriting my deceased parent 's home. 
There was storm damage to the house and insurance checks were issued to cover the repair. 
There was an outstanding mortgage ( {$8000.00} ) and HELOC ( approx. {$200000.00} ) remaining due on the home. 
The damage insurance checks that were issued were greater than that amount. 
I was in the loan modification program to assume my parent 's loans on the home. 
My brother called in and had both the mortgage and the HELOC balances paid off with the insurance money. 
The insurance company had already started construction and set up a tiered payment plan for their services. They have not been paid and have done over {$100000.00} in work. 

WELLS FARGO USED THE INSURANCE MONEY TO PAY THEMSELVES BACK ON THE MORTGAGE ON HELOC AND NEVER CONTACTED THE OTHER BENEFICIARY -- MYSELF -- IF IT WAS MY WISH TO PAY OFF THE LOAN. 
WELLS FARGO MUST PAY THE CONTRACTORS AND REINSTATE THE MORTGAGE AND HELO WHICH THEY ARE NOT DOING.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have funds being held by U.S Bank totaling up to XXXX $ I have not received this payment back yet its going on 3 years now the bank is still holding my funds. I have been to numerous bank locations provided information to support that these are my funds due to them asking me to provide a tax return from a previous year which has no relation to my funds being held, XXXX the branch manager on XXXX XXXX XXXX in XXXX Ohio has ignored all of my emails after refunding me only a small portion of these funds after suspecting fraud that never occurred, I was told the funds would be back to my lender which my lender has confirmed that never occurred me and my lawyer are currently in the process of filing class action lawsuit in regards to this. Due to this this has caused damage to my business during XXXX  which cost decrease in my small business revenue this occurred XXXX  I have been getting the run around since, I am always told to call a number when going to the branch but the number tells me to go to the branch. 
First I was told they were waiting on a XXXX XXXX Report basically a background check that rental properties use before approving someone for a rental property which is no relation to U.S Bank, to verify my loan from my lender I had already provided documentation supporting this loan when I arrived in person I was asked to provide my tax return which was not disclosed in the email during communication with branch manager. Branch manager only released XXXX $ from my XXXX closing balance which in a written statement from U.S Bank prior to receiving these funds they stated it would be issued back to sender which that never occurred because it was issued to me that day but why wasnt the whole amount released back when I provided every documentation that was asked? 
Below I have attached emails of the communication with the branch manager assisting me with this matter as well as the documentation that supported the authenticity of my government funds. My Attorney has contacted MN Attorney general we have given authorization for attorney general to start their investigation in regards to this. This whole process starting from XX/XX/2021 has caused me emotional stress and damages to my small business I also feel like this issue was related to discrimination with a whole XXXX report being pulled in relation to my name I even pulled a copy of my XXXX report after reading through it it never showed anything related to the government funding only my personal 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 non-monetary relief
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate Account number, inaccurate opening dates, inaccurate reporting dates, and Last reporting dates.

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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
A wire transfer was completed with my savings account at Citizens Bank that WAS NOT authorized by me. When I filed the claim for wire fraud, I was not credited due to their investigation claiming fraud did not occur. When I called the customer service line to request documentation, I never received any documents in the mail. I went to my local branch, who reviewed my claim, and stated my claim was not processed because I have previous history with wire transfers and similar amounts. The branch XXXX reviewed my account and confirmed he didnt see any wire transfers with my savings. I have never used nor authorized a wire transfer from my Citizens Bank accounts. I have had several larger deposits and withdrawals, but I was well aware of that activity and in contact with Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
There are a couple issues involved with this complaint about my federal student loans and PSLF : 1. I have federal loans from an undergraduate and graduate  education. As per the MOHELA website, my original principal balance I took out to cover these degrees was {$110000.00}. At some point during my education when I was on a forbearance due to being a student in school, a lot of interest was capitalized and added to the principal. The principal total is now {$130000.00} and I don't understand why. I tried calling Student Aid and MOHELA, and I was hung up on by the phone system because there are so many callers at once. I keep reading there is an XX/XX/XXXX deadline to consolidate in order to get a benefit or help for student debt, but the information online isn't clear about what I should or shouldn't consolidate, and I need more help than I'm getting from the website and phone representatives. I currently have 3 consolidated loans and I'm not sure if I should consolidate those 3 together into 1, or will that ruin my PSLF progress? Which leads me to the second part of the issue... 

2. I'm trying very hard to work towards Public Service Loan Forgiveness. I was laid off from my PSLF-eligible employer in XXXX  due to the pandemic and it took me 2.5 years to find another eligible employer full time, so I lost 2 years of payments. I called to ask if I could get credit for this time but I was told no, even though I've heard of pandemic credits being given out. Next year will mark 10 years since I graduated with a XXXX XXXX XXXX XXXX and I've been working for XXXX XXXX employers full times as much as possible -- except for the 2.5 years of the pandemic, and desperately need help attaining credit for those 2.5 years so that I can gain PSLF. I haven't been able to reach anyone on the phone because of the call volume.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation