vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
To whom it may concern My Name is XXXX XXXX XXXX XXXX XXXX, my wife and I have been a customer of US Bank for approx. 42 years. In XX/XX/2021. I had applied for a car loan at my local US Bank on XXXX XXXX. When I went in to sign the documents for the loan I was made aware of two facts that concerned me : 1. XXXX XXXX XXXX XXXXXXXX XXXX had taken it upon herself to use my application information to log into my XXXX XXXX account where I had my new car loan to review my personal/Bank information. Her actions violate the Fair Credit Act since she previously ran my credit and now was also using this tactic to research my personal information with XXXX XXXX for approval of this loan. 


2. In addition to this XXXX XXXX demanded that I allow the loan to be paid monthly via direct deposit. I had a problem with this as well since my wife and I were customers of US Bank for approx 42 years and NEVER paid a loan late. When I explained this to her she informed me that my previous loan history with US Bank " didn't matter '' and that this was the only option I had. I told her that I was going to cancel this loan and leave. I asked her to destroy all the paperwork so I can leave. She refused and I left without taking the check. 

I didn't think much of this until I recently received 3 notices 1. dated XXXX -- - 2. dated XXXX both stating that if I didn't send them the Title to my vehicle I would be in default and that they will be forced to put a lien on me. 3 Notice dated XXXX Closing all my accounts I called the Branch Manager with this concerns, but all she ( XXXX XXXX - XXXX ) wanted to do was discuss the fact that occurred back in XX/XX/2021 with my loan. She refused to address my concerns with my notices. I called the US Bank XXXX number and spoke to XXXX but she refused to give me any written information that would assure me that it was taken care of. 

Today, I received a Certified letter from XXXX XXXX at the XXXX XXXX telling me that she had closed all my accounts including the checking account that we have had for over 40 years Account # XXXX. 

I believe that the methods used by US Bank not only are illegal and unethical but violate the fair credit acts and are discriminative Title VII. I need your help in resolving all this issues. For this reason I authorize you to speak to anyone at US Bank on my behalf. If you need copies of all the information that I have from US Bank let me know. 

Vehicle Account # XXXX VIN XXXX Checking Account # XXXX Title Service Department US Bank XXXX XXXX XXXX XXXX email XXXX Thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a hard inquiry on my credit from each reporting agency on XXXX XXXX for a loan I never applied for.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX and Trans union have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi, my name is XXXX XXXX and I have three Capital One accounts, across these three capital one accounts I have auto pay enabled so that every month when a payment is due they are able to pull the $ out of my accounts so that there is no issue. On my credit report capital one is reporting under the account # XXXX XXXX, & XXXX late payments for XX/XX/XXXX, and XX/XX/XXXX. These payments are reporting 30 and 60 days late respectively in which I had auto pay enabled so there could have been no way these payments were late and I also called and spoke to a representative about this issue. They have stated that there was nothing they can do even though I have been a customer of capital one and have had these accounts open since XXXX and am reaching out to the CFPB for help in reopening my accounts and getting these late payments removed as these are substantially hurting my credit in which I am about to get evicted from my apartment as they do frequent credit checks and with this happening it has dropped my score over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I qualify for the loan forgiveness and I have tried to do this for years and I have always been given the run around and have been told no. I worked for a XXXX XXXX XXXXl for thirteen years and I know I qualify. Last time I contacted NelNet, they told me I have to reconsolidate my loans and see if I qualify. NelNet just wants to deter people from having their debt whipped out and I owe a little under {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
how can an account be late 90 days 11 times after it was closed on XX/XX/2018 and charged off XX/XX/2018 on a voluntary repossession THIS IS INACCURATE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I applied for a B of A Platinum Rewards Card online. I received a email telling me my application was pending. I received a call from a B of A rep on XX/XX/2022. She was going to complete the application process but the number on my application was not the same number on the CR. She said she would mail me a letter and complete the process when I receive the letter. I called B of A on XX/XX/2022 and spoke to a rep name XXXX. I confirmed that I received the letter by mail. We completed the verification process. XXXX said I was approved for a {$4000.00} XXXX. The card would me mailed to the address on my application. I have never received the card. I called today, I was told that my social security number and the phone number entered into the system us incorrect. The agent was confused and wondered HOW rep XXXX was able to complete the verification process with the incorrect info in the system. I gave the correct information on my application that is HOW the first rep who called me was able to see that I have a statement attached to my credit report and they had to verify who I am before extending credit to me. So the incorrect information that the B of A saw in the system, today, was entered in incorrectly by a B of A rep. Now, my credit card is in limbo due to errors that are of not my 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 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
This number called me 7 times in the span of 1 minute this evening at XXXXXXXX XXXX, as they did this morning at XXXX XXXX They did not identify themselves or leave a message. I had to look up their number to see that theyre associated with Comenity Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX Equifax and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian XXXX and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2022 and on XX/XX/2022 I sent certified mail to Portfolio Recovery Associates , LLC requesting that they Cease and Desist any further communication about the alleged debt and also that the Statute of Limitations in South Carolina for this debt has expired. I asked that they delete this account from the credit reporting agencies and they did not comply. I informed them of the Law 15 USC 1692 ( c ) ( 1 ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Portfolio Recovery Associates , LLC is showing total disregard for the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
As a XXXX veteran rated 100 % by the Department of Veteran Affairs, I've tried 3x 's unsucessfully to discharge a student loan that I co-signed for my daughter in XXXX. Firstmark bank continues to deny my application for discharge, stating that I was rated 100 % one year prior to the loan which is meaningless since they approved the loan in lieu of this known information ( XXXX ). 

By their own stipulations, I did not become eligible for discharge until my rating changed one year AFTER receiving the loan to 100 % PERMANENT AND TOTAL. I have reached out to my local representative for a Congressional Inquiry & was told that the department of education only has jurisdiction over federal student loans not private student loans. Who has jurisdiction over this entity and how can they be legally compelled to abide by the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX {$1500.00} XXXX XXXX  {$300.00} Dept of Ed/XXXX {$80000.00} XXXX XXXX {$500.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. I am preparing to take this to a small court and recover damages. Also, XXXX and XXXX have removed these accounts. I have attached supporting documents. The Fair Credit Reporting Act states that all reports must show the same accurate information across any profile.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, 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 have submitted a dispute with TransUnion Consumer Reporting Agency, Conformation # XXXX of the dispute. 

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. 

Diversified Adjustments Service # XXXX, XXXX XXXX  # XXXX Dept Of EduXXXX XXXX XXXX XXXX, ( two accounts ), XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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. 

I

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I'm writing this statement without any influence from any third party. Please see the attached documents and ID. It contains my full complaint and request regarding Experian. 
As I have sent an Affidavit of Truth to General Counsel : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, 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 non-monetary relief