vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: KS

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 2024-05-01 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: GA

Complaint narrative:
I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and 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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> I called cash app customer service phone number XXXX and spoke to XXXX who I explained that I had closed my previous cashtag due to being so by cash app customer service when i was asked to upload documents to show my name change on account, i had uploaded the required documents to the link that was provided to me 4 times but everytime i called to follow up i was sent another link to upload same documents so i got frustrated and closed the cash tag but i had used it to purchase an office chair from XXXX. I opened a new cash app account using my name but when i received my office chair it was faulty so i returned it and was refunded but since i had used my closed cash app account, the payment was returned to original payment. I called XXXX and verified i had been refunded on the closed cash app account on XX/XX/year> for the amount of {$140.00}, XXXX rep XXXX informed me that if cash app cancelled or declined the payment then it would go back to XXXX and they would be able to manually pay me to the new payment method but when i called cash app i was asked to verify Full legal name, current cah tag, previous account cash tag, phone number and or email address linked to previous account, and which account i would like to use, i provided this info to XXXX on XX/XX/year> from XXXX to XXXX but she said she was getting an error in her system and escalated it to the supervisor XXXX for manager override, The manager XXXX responded to me via email and asked me to provide the same infor i had already provided XXXX and i responded to her email with the information, she then sent me an email that my request to either access my old cash app or transfer the money to my new cash app account was declined and the case according to her was closed and there fore she could not assist me further for the protection of my money. I asked her to cancel the transaction to which she also declined

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC Attn : Office of General Counsel XXXX XXXX XXXX XXXX, XXXX, IL XXXX Dear sir, I have received one so-called credit report from your company along with other companies, which prepared at one of your branch offices addressed XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. I have already mentioned to the previously sent report from the most likely, same branch, this report has the information about the XXXX  XXXX XXXX. I received one credit-report last year, XXXX, which mentioned other banks and credit card companies not only the XXXX XXXX XXXXXXXX . I would like your company to prepare the right and reliable credit report.

Sincerely,

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 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
When I initially was accepted into the XXXX XXXX ( XXXX  ) in XXXX I viewed it as a wonderful opportunity to gain work experience working in a entry level non-profit position and also the benefits its offered such as Public Student Loan Forgiveness Plan ( PSLF ). I called my loan servicer nelnet around the summer of XXXX to explain to them that I was joining the XXXX XXXX and I wanted to be part of the PSLF plan which XXXX  volunteers qualify for. They have records of the phone call which shows that I asked for information about the PSLF, they checked my eligibility which passed, and how I expressed my interest in participating in the program. Unfortunately they did not provided me with the proper documentation or explain how to access the proper documentation instead they instructed me to sign the papers for deferment of payment which was not elegible for PSLF. When I finished my service in XXXX of XXXX I called Nelnet in XXXX to check about the PSLF plan I was in and about my loan. They informed me that I was not in the PSLF and that I was in deferral which does not qualify. They said they can not do anything about the situation since they have an agreement with the department of education. They intentionally misled me to sign papers for deferral and not the correct income based payment plan which qualifies for PSLF. As a result I have lost two years of compensation into the PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
Previous CFPB complaints and responses give dates and actions of the inaccurate information being reported 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
While I received an account statement, I did not receive an itemized cleaning receipt on what needed to be cleaned. I have not received any evidence of the inspection checklist and photographic evidence to show that cleaning was needed in the unit. 

I spent 4 hours cleaning the apartment and have attached the photos below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
To whom it may concern, I am writing to bring to your attention a concerning matter regarding my recent experience with Wells Fargo. 

On XX/XX/year>, I was charged an excessive fee of over {$1200.00} due to what appears to be a failure on the part of Wells Fargo to provide adequate communication regarding the renewal of my CD. Despite being contacted by the bank on the last day of the grace period, I was not informed about the impending auto-renewal of my CD. Consequently, upon visiting the bank the following day, I was dismayed to discover that my CDs had been renewed at the lowest annual rate without my consent or prior notification. 

This situation has left me feeling unfairly burdened with additional charges that could have been avoided with proper communication and transparency from Wells Fargo. I was then informed that rectifying this error would require an additional payment of more than {$1200.00} to switch to a CD with a higher rate, further compounding the financial strain caused by this oversight. 

Furthermore, I must emphasize the impact of delayed communication, which was exacerbated by the harsh winter conditions in South Dakota. As a loyal customer, I trust that Wells Fargo values my satisfaction and understands the importance of timely and clear communication, especially in circumstances beyond our control. 

I kindly request that immediate action be taken to address this matter and rectify the undue financial burden placed upon me due to the bank 's oversight. I believe a fair resolution would involve waiving the excessive charges incurred and facilitating the transfer to a CD with a higher rate without further financial penalty. 

I appreciate your attention to this urgent matter and look forward to a swift and satisfactory resolution. Please feel free to contact me at [ your contact information ] to discuss this matter further or provide any necessary clarification. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX

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 2024-05-01 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
I attempted several times to get ahold of a representative in order to better understand what l needed to do in regards to the one time payment count adjustment.l needed to understand if l needed to consolidate all of my loans into one direct consolidation loan to potentially receive credit for loan forgiveness or to possibly get my loans cancelled. The rules were extremely confusing. I attempted to call studentaid.gov and an automated machine stated, '' we're sorry, we're experiencing very heavy call volume, please call back. ". Then it disconnected. Next l attempted to contact Mohela, my loan service provider and was on hold for several hours and never got through. I work full time and therefore don't have a great deal of time to wait on hold several hours for several days of the week. I attempted to call studentaid.gov and mohela before XX/XX/year>, which was the deadline for the opportunity to cancel student loan debt. I was never able to get a representative for assistance. Very frustrating and a disservice to folks like myself that have these loans to pay off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-01 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I accidentally overpaid one of the loans by few cents. Customer support said they will take care of the issue as i instructed them to transfer that overpaid amount to another loan. Not only nothing came out of that, after 3 months, i realized that my negative amount ( overpaid ) accrued interest. With how difficult and unhelpful their customer support is, i thought of paying the interest amount so i don't have to deal with them ( around {$37.00} ). The next day i realized that they adjusted the amount back and now I'm overpaid by around {$40.00} on two account. They are not helping me distribute my overpaid amount to other loans which in return is keeping those account open and it's negatively affecting my credit score. If a company can't handle a simple issue in over 3 months, not sure they could be trusted with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs and they refused to dispute or investigate the inquiries. Attached is a FTC report, indicating all of the unauthorized inquiries ( including the personal statement section ) that should be removed from my profile. 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.

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 2024-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs and they refused to dispute or investigate the inquiries. Attached is a FTC report, indicating all of the unauthorized inquiries ( including the personal statement section ) that should be removed from my profile. 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NV

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
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
For over a month I tried to access my funds in my Coinbase Inc. account. I saw prices slipping and wanted to make some moves. I tried to prove ownership by submitting IDs, including passports and DLs and a passport card. They requested a video which I gave several then wanted me to hold up my passport with the date written on a piece of paper all in a selfie. They said they couldn't see me clearly. It was XXXX unbelievable to give all that info - and in a not very secure fashion and still be denied. I estimate I lost XXXX to XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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