vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX  during 2022. At move in, I gave the complex the list of damages and detailed comments regarding my apartment and what I see, so documentation was noted and I would not be help accountable for previous damages. These damages included holes in the drywall, stains on the carpet, cable wiring damaged, scuff marks on the wall, and discoloration and markings on celling and wall. At move out, I had broken my ankle, and was in a boot, unable to walk. I informed the apartment complex of this, and explained that trash and boxes were a concern, so I would be expecting some kind of charge at move out. I received a statement 2 months after moving out of XXXX XXXX XXXX XXXX  with several charges that did not make sense and I believed were untrue. I requested an itemized invoice, copy of my ledger, and photos as proof. This was never sent to me. After speaking with a property manage, I was informed this would be corrected and fixed. This issue has yet to be corrected. 

The company then reached out, unable to provide any help. I requested statements, any information to show more details on balance owed. The company failed to do so. I follow up on the issue twice. I saw from previous complaint, as courtesy Procollect will extend a settlement for the amount of {$940.00}. I attempted to get the requested infomation prior to this, but the company failed to do so. This is now effecting my tenant screenings. When speaking wirh the company, employers are very rude and unkind. This has made it very difficult in getting answers to my questions.

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 2024-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One has failed to provide consumer services, violating the truth in lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: MN

Complaint narrative:
I'm on SSI and I applied for XXXX  discharge of my student loans and Nelnet is refusing to discharge the loans based on " secret guidelines '' they will not provide me. I sent them my SSI award letter that states my next review for SSI is 3-5 years away. They are refusing to use it as proof I'm on SSI. I called and asked to speak with the supervisor of the department to request the guidelines they used to refuse my application. The Supervisor who contacted me back was XXXX employee # XXXX. I asked her why my application was rejected. She stated they use " secret guideline 's '' She refused to show me these " secret guidelines ''. I asked to speak to another Supervisor or to file a compliant and she refused to take my complaint and then hung up on me. They wont give me any information about how or why they rejected my application except for a generic rejection letter that doesn't state which rule or guideline I broke. There's no logical reason they are refusing my application. I'm on SSI and have been since XXXX and my next review isn't till XXXX. The Supervisor was verbal and emotional abusive. She was so combative to me I was scared. They are refusing to work with me and stonewalling me at every turn. I have no where else to turn. Please help me. I attached my application and my SSI award letter that clearly states my next review is 3-5 years away which is listed as the requirement on their own website. They are just making up reasons to reject my XXXX. Then I asked to see the rule or guideline and apparently they are secret and not available. I can only imagine how many people that are XXXX Nelnet is rejecting based on " secret guidelines ''. There's no way it's legal for them to do this to me but they hold all the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged overdraft fees even after I already had them and I went into the branch to cash a settlement check to pay my overdraft fees and I was turned away which I Never Understood!!!! Who Turns Down money at a Bank when that old customer owes it that Blew my Mind Ive been to other banks that is you owe for overdraft fees even after a period of time theyll let you come in with a check to cash so you can pay the overdraft fees, but I guess Wells Fargo Isnt One of Them and when I went to pay the overdraft it was more than what I was told when I talked to the Banker over the phone before I even went to the bank!!!!

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 2024-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: NJ

Complaint narrative:
National Recovery Agency continues to text me messages to collect a medical debt for which I have no record. I told them to stop twice but they continue.

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 2024-07-17 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Requesting a debt validation information from cavalry portfolio services, my request will enclosed with attachment files

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/year> American Express {$16000.00} information amount incorrect. 
XX/XX/year> XXXX Information amount is incorrect XX/XX/year> XXXX XXXX Information amount is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I received a bill for an account balance of {$72.00} from XXXX XXXX XXXX was due on XXXX XXXX, Payment was made electronically on XX/XX/2024 through XXXX XXXX XXXX XXXX and received confirmation # XXXX. Received another bill on XX/XX/2024 for {$100.00} which included the previous billed amount plus a {$30.00} late fee and a {$3.00} interest charge. 

I called their contact number of XXXX twice on XXXX, 2024 and was informed that they had received the payment of {$72.00} on XX/XX/2024 but it was made to a closed account. I asked since both accounts are tied to my name and social security number why it was not applied to the current account. They were unwilling to provide a solution or to the billing confusion. Instead the requested another payment or additional late fees will be applied every month on the XXXX. 

Meanwhile they are currently holding the original payment of {$72.00}, wanting more money and adding on late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: OH

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

The Bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that i may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Starting late XXXX of this year XXXX purchases were made off of my XXXX account using my Old Navy store card that was linked to my XXXX account. I did not realize this card was still linked to my XXXX account, which was already confirmed It has been hacked confirmed by the XXXX XXXX XXXX XXXX. They confirmed this when the attempts were made on my XXXX XXXX XXXX XXXX XXXX transactions were made before I realized that my XXXX was still being used with one of my current cards still linked to it. I have contact XXXX. I have contacted Barclays Bank and XXXX to look into these fraudulent purchases, and they all keep coming back to me that they can not confirm its fraud.I was at my job at the time of almost all of these purchases. I also have not used XXXX in a long time because I have my own car now. I had asked XXXX to at least tell me where these XXXX rides were located and they couldnt give me that information so I have no idea if they were even in my own hometown. I keep re-opening the claims through Barclays bank, even though theyve came back to me several times that they cant confirm anything. 
XX/XX/XXXX, XXXX {$22.00} XX/XX/XXXX, XXXX {$24.00} XX/XX/XXXX, XXXX {$3.00} XX/XX/XXXX, XXXX {$19.00} XX/XX/XXXX, XXXX {$24.00} XX/XX/XXXX, XXXX {$16.00} I also dont know if it matters but the card these purchases were made on has been canceled and I have a new one.

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 2024-07-17 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: FL

Complaint narrative:
I urge the responsible authorities to take immediate and appropriate actions to investigate and rectify this situation to ensure that reported data is accepted by receiving repositories with maximum possible accuracy and completion. Failure to do so will result in severe consequences.

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 2024-07-17 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: IL

Complaint narrative:
I am refilling the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been trying to pay my XXXX account for months, but you can only use their app to do it, and it will only allow you to pay from the bank account that's tied to the app. I had to update the bank account that was on file since I moved from that one to another. Getting in touch with their support staff was the only way to accomplish it. 

I approached their support team about closing my account in XX/XX/year> and I followed up with them relatively often for months, but I never received an answer. I ultimately had two late payments recorded on my credit as a result of this. 

After contacting their support staff, I was able to pay off the account and get it closed ; but, as I had previously been a few days late, they won't waive the late fees. 

For something that wasn't even my fault, I now have a XXXX day late payment history on my credit. I attempted to contact them again, but they have resumed their lack of response. Their XXXX account indicates that they do this frequently. I have never made a late payment ever and I have only had an issue with this company in my credit journey. Their team has horribly customer service and any review I find will also say the same. I have screenshots of me in contact with their support team. I also have plenty of tickets with confirmation numbers created where I received no response about why a late payment was put 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 2024-07-17 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: NM

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to Experian regarding XXXX XXXX account listed on my profile. The debt in question is documented as paid and charged off. According to the IRS, once an account reaches charge off status and the lender has indicated it as discharged debt on their taxes, the debt is considered canceled or forgiven. This forgiven debt is now classified as taxable income and should not be reported to a consumer 's credit report as outstanding debt. 

Experian recently provided an update on XXXX XXXX stating that the debt has been verified, yet they did not supply any documentation regarding how they verified the debt despite my request. I have been disputing this account since XX/XX/XXXX and have not received any proof from the creditor to support their claim.

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 2024-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am being held liable for a private loan through Sallie Mae for the amount of {$4000.00} that was taken out XX/XX/year>. During this time I was a victim of idenitty fraud. The information on the promissory note is not accurate and the loan servicer : XXXX stated, I would need to contact the company of the loan provider, but when doing so, the department is now closed and there is no qualifying information of the debt 's validity. I have paid thousands to XXXX for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief