vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the charges associated with my student loan account, which was originally for {$11000.00} but is now showing a balance of {$16000.00}. Despite my efforts, no one has been able to locate this loan in their records, and I have been informed that the account is closed. 

Here are the details of my situation : Loan History : I took out this student loan through the XXXX XXXX XXXX  as an alternative loan to finance my education. The loan was serviced by XXXXFirstmark Services . 

Communication with Loan Servicers : On XX/XX/year>, I contacted XXXX XXXX, who informed me that they have no record of my loan and show a XXXXXXXX XXXX in their system. 
I then reached out to Firstmark Services, who indicated that the loan is supposedly in collections with XXXX XXXX XXXX ( XXXX ). However, when I contacted XXXX, they informed me that the account had been closed by Firstmark Services and is not currently active in their system. 
I have made several attempts to trace the location and status of this loan, but no one seems to have any record of it, and the account remains closed without any explanation. 
Discrepancy in Loan Balance : I am deeply concerned about the discrepancy in the loan balance, which has increased from the original {$11000.00} to {$16000.00}, despite the fact that no one can locate the loan or provide me with detailed records of how this balance was calculated. 
I request a thorough review of this account, including a full breakdown of all transactions, interest accruals, and any fees that have been applied. 
Request for Resolution : Please investigate this matter urgently and provide me with a clear explanation as to why this account is unlocatable in any records and why it remains closed. 
If the charges are found to be incorrect, I request that the balance be adjusted accordingly and that I be provided with a corrected statement and an explanation of any changes. 
If the loan can not be found or verified, I request that this erroneous balance be removed from my credit report and that you provide confirmation of the accounts status. 
I would appreciate a prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus by Goldman Sachs closed my account for no reason which is fine, but I have XXXX $ in the account and they have not sent it back. I have verified all information asked of and Everytime I call its excuse after excuse, its been over a month trying to retrieve my funds and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-08-20 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: IN

Complaint narrative:
I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Your agency is in violation!

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. 
Delete this at once!

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Denali Capital Holdings, LLC
State: OK

Complaint narrative:
DENALI CAPITAL LLC ONCE AGAIN NEVER VALIDATED LIKE XXXX XXXX XXXX ( SEE XXXX SOLF PULL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I checked my credit profile and seen some inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation
State: NE

Complaint narrative:
I was looking for a better options on my auto lone on no hard Inquiries companies and I did not authorized any hard inquires to ONEMAIN, ONEMAIN multi times gave me hard inquires without my permission and I tired to contact ONEMAIN and No contact information has been reported by this creditor. 
Please I demand to take this creditor inquires from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I was unaware how a title loan went but anywho, I took out a title loan on my vehicle in XXXX of XXXX. I was told my payout was around the amount of the loan which was XXXX but I only received XXXX to begin with. They were taking money out of old accounts even after I updated them with new account information but was still charging me late fees of over XXXX dollars and insufficient fees of over XXXX each month. As I kept making payments, my loan amount never really decreased. I spoke to a representative in XXXX of XXXX to inquire about this. I was told that only XXXX dollars of my monthly payment of XXXX was going to my actual loan and the rest to interest which my rate was 77.14 %. I immediately ask to speak to someone in higher office regarding this but instead I was giving other options like extensions or a month credit. I filed bankruptcy in XX/XX/XXXX which was discharged on XXXX XXXX. I never heard from XXXX at all after my discharge and in XXXX of XXXX I woke up and my vehicle was gone. I thought someone stole it just to find out they repossessed my vehicle. When I called this company, they kept transferring me to other places and then told me my loan wasnt with them. I argued with these representatives who were very disrespectful over and over to the point where I was told Im not getting my vehicle back at all. I was advised to file XXXX  XXXX, which I didnt want to do just to get my vehicle back. When I informed them of that, they said they were filing an appeal to make sure I dont get my vehicle back, however I was able to get my vehicle back following the filing. My bankruptcy was dismissed due to being giving the wrong time to appear. Im sure they may try to take my vehicle again but I dont think they should be able to do that because I feel like some fraudulent activity is going on regarding my account. How can I get a loan from one place and now theyre stating its with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited a checked on Saturday XX/XX/year> in the amount of {$14000.00} to my checking account XXXX is my account number. I called the law firm that issued the check and they gave me numbers to give my bank but they refused to help me. Im at the branch presently and I was originally told one thing but another was done. I provided information to them but they didnt accept it.

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 2024-08-20 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: Protocol Recovery Service, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. Code 6802 that you, XXXX XXXX XXXX XXXX Total Balance Due {$1100.00} XXXX XXXX & XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information

Company response to consumer: Untimely response
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a XXXX XXXX account with Wells Fargo in XXXX. I have made 2 transactions into this account. One is from XXXX, the other is from XXXX XXXX. They told me that both transfers were unauthorized. I told them that both transfers are from my account under my name, and I have bank statements to proof that. They still insisted on closing my account. After my account was closed on XX/XX/XXXX. I did not receive a check for the remaining balance. When I called in to check on the status, Wells Fargo advised me to initiate a fund return from original bank source. I have requested etrade to request a fund return for an amount of {$24000.00} on XX/XX/XXXX. They issued me a case # XXXX. I waited 5 days for funds to return to my account, but it did not happen. When I called Wells Fargo to check on the status, their management told me that account has been closed and there is nothing they can do. I went to the branch where I opened this account. I spoke to branch manager ( XXXX XXXX ). He has opened an escalated customer complaint in his system. I have also filed complaint with OCC ( case # XXXX ). Based on cfpb 's previous record, wells fargo has unlawfully froze 1 million consumer 's accounts based on faulty automated filter 's determinination that there may have been a fraudulent deposit ( ref to attachment )

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel Law Firm is suing me for XXXX for an old credit card account. XXXX is the company that bought the debt from XXXX XXXX XXXX. Gusted Law is representing XXXX. This debt has been moved around to company after company. I have requested information to verify the debt and requested the signature on this account guaranteeing payment. According to this Law Firm they claim the account was last used in XXXX. I refuse to pay the debt and want them to cease and desist any and all communication in any and all forums. They have harassed and embarrassed me. Sending people to multiple residents trying to serve me papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX 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 of 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 2024-08-20 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony denied my application for a credit line. They were given inaccurate information from a credit agency XXXX ) who violated my consumer rights 15 USC1681 ( a ) ( 1 ), in addition 15 USC 1681 ( b ). If reasonable efforts were made to VERIFY the Date of issuance of my social security number which was the identifying number that was used to link data to my credit report starting 1986 in NJ, it would have show I was only XXXX yes old at the time. Therfore making it illegal for me to have entered into ANY credit agencies report. I expect CIVIL FINANCIAL LIABILTY, for each VIOLATION, that occurred as decided by XXXX not limited to 15 US 1681 ( n ) ( a ) ( 1 ) ( A ), or the amended sections created by CFPB, to hold credit agencies responsible for such HEINOUS, RECKLESS, WILFUL, non compliant behavior, that has caused me GREAT FINANCIAL DISSPEAR, due to the fact, I have to deal with high interest rates on my current lines of 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 2024-08-20 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: PA

Complaint narrative:
XXXX sent me late payment notification in XX/XX/2024 when in fact I was expecting them to refund me for negative balance. 
They refused to update negative balance as required by FCRA to reflect balance as of XX/XX/2024. They refunded me in XXXX so there was no balance due in XXXX like they 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