vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
In XXXX or XXXX I was at XXXX in there electronics department looking at phones. I was going to lease a phone from XXXX but after the cashier entered my information I didn't have good enough credit and they wanted a huge down payment I couldn't afford so I told her I would not be able to purchase the phone and I left. About a month later I received a bill in the mail from XXXX so I went to the storefront location they used to have here in XXXX XXXX XXXX and spent about an hour and a half talking with the manager and someone from corporate who after which assured me the matter had been taken care of. About a year or so later I started receiving letters in the mail from a debt collector called Jefferson Capitol Debt Creditor saying the original creditor was XXXX. Still today this fraudulent charge is on my credit report and I haven't been able to get it taken care of. I've spent multiple hours on the phone with both the debt collector and XXXX customer service . Every time I do I explained the situation and they transfer me from Department to Department without any actual help or information and every time they call eventually gets dropped. I have tried to dispute the charges on my credit report numerous times and now I have found a plethora of people on XXXX that have experienced the same exact thing, mysteriously charged from XXXX through this XXXXefferson Capital debt collector with no current or past accoumts through XXXX or XXXX whatsoever. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I am writing to formally request your compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 US 1681e ( b ) and 15 USC 1681 ( a ) ( 5 ). 

Under 1681e ( b ), the FCRA requires that a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I believe that there may be inaccuracies in my credit report that do not comply with this standard. Please provide me with the details of the procedures you follow to verify the accuracy of information reported. 

Additionally, according to 1681 ( a ) ( XXXX ), when a consumer disputes the accuracy or completeness of information in their credit report, the agency is required to investigate and provide results of the investigation within 30 days. I am requesting that you conduct a thorough investigation of the disputed information and inform me of the findings. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA.

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 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Alot of my personal information has been leaked due to data breach and I have unrecognized information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA subsection 605B 15 USC subsection 1681C to that you the credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four business days of you receiving this complaint, this fraudulence, inaccurate, and false information consists of XXXX  auto loans accounts open at XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account number private. In addition 1 personal bank account loan XXXX XXXX XXXX XXXX account opened XX/XX/XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA subsection 605B 15 USC subsection 1681C to that you the credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four business days of you receiving this complaint, this fraudulence, inaccurate, and false information consists of four auto loans accounts open at XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number private. In addition 1 personal bank account loan XXXX XXXX XXXX XXXX account opened XX/XX/XXXX account number 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 2025-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX, Fay Servicing was transferred my HELOC from a previous servicer. When it was transferred, so was my Autopay setup ( monthly/full amount and my checking account ). Upon creating my account in the Fay Servicing system on XX/XX/XXXX, I CONFIRMED my Autopay was enabled, bank account was transferred and merely went on with life as it was before -- Fay Services will debit the monthly no problem.

Since then, the Fay Servicing Autopay on my account has been BROKEN, I CAN NOT make manual payments online ( I get errors ), and I can not even disabled Autopay to set it back up or turn off completely, all pointing me to call Fay for assistance. I have called Fay 3-4 times since XX/XX/XXXX to make manual payments to shore up their Autopay system not working, have been repeatedly told " it will draft on XXXX date '' only for that date to pass again and not draft and make me delinquent once again.

The multiple phone reps can not help with the technical issue or solving the real problem, they take a payment, and they move on. Since then, Fay Servicing has now reported all credit agencies I am " severely delinquent 98-119 days '' but I have NOT. I can not get Fay to solve the problem, I can not make manual payments online, and the phone assistance does not care to solve their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX Applied online for Chase Freedom Unlimited ( Visa ) due to promotional offers, and was approved. 
The promotion offers are as follows : 1 ) 0 % APR for 15 months ( expires XX/XX/XXXX ) 2 ) Earn additional 1.5 % on all purchases up to 20K spent in 1st year.

3 ) Earn a {$200.00} bonus after spending {$500.00} in the first 3 months from account opening. 
4 ) {$0.00} annual fee XX/XX/XXXX Received credit card in the mail. 
XX/XX/XXXX Called Customer Service to verify the promotion offers as listed above and which the representative confirmed. 

All promotional offers EXCEPT for item # XXXX were honored. Was told that it would take 6-8 weeks for it to be reflected on statement. 

XX/XX/XXXX Called Customer Service due to non receipt of {$200.00} bonus. Was instructed to send a " secure message '' via Chase.com 's website with a screenshot of the promotion offer ( to which I complied ). 

XX/XX/XXXX Secure message received stated the offer is not available and the current offer is higher than what I requested. ( Screenshot was supplied, do not understand this response. ) XX/XX/XXXX Secure message in reply to my contesting the message of XX/XX/XXXX, stated that because the screenshot did not have my name on it, it wasn't valid. 
( This promotional offer is still on the Chase.com website to this very day, it is not addressed individually. ) XX/XX/XXXX Secure message in reply to the absurdity of XX/XX/XXXX message stated I was not eligible. 

XX/XX/XXXX Called Customer Service to pursue this matter. Told it would be forwarded to the Escalation Dept., given conf # XXXX, and should hear within 7-10 business days. No followup received. 

XX/XX/XXXX Sent email to XXXX XXXX, CEO of Chase Credit card services regarding this matter. Submitted a 2nd email on XX/XX/XXXX due to no response. 

XX/XX/XXXX Received a phone call from XXXX of the Chase Executive Office who would handle this case. 
She provided her telephone number and extension. 

XX/XX/XXXX Received a secure email from the Executive office information that the offer was no longer available and they would not honor it. 

Please pursue this matter. As stated, this very promotional offer appears on Chase.com today. They refuse to honor it. Have read XXXX posts regarding other consumers having the same problem with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to dispute some items on my XXXX credit report but each time i try to access it online it gives me a number to call XXXX XXXX XXXX to call XXXX. I know that there is a lot of inaccurate information on my credit report such as collections AND inquires. 

I feel as though XXXX is possible jacking up my credit report and I need several items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to dispute some items on my XXXX credit report but each time i try to access it online it gives me a number to call XXXX XXXX XXXX to call XXXX. I know that there is a lot of inaccurate information on my credit report such as collections AND inquires. 

I feel as though XXXX is possible jacking up my credit report and I need several items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is an ongoing complaint for around a yr. I've been in mediation -remediation Wells Fargo Home Mortgage class action lawsuit during this time for misapplied payments.But you have records this, please keep me informed.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have multiple points to attest. 

I signed up through FAFSA for my student loans. I was assigned XXXX XXXX for my student loans for the entirety of my student loan affairs. While still in my education program, my loan servicer changed, then had shortly changed again to what is now Nelnet. I did NOT consent to this change and when asked for documentation to be provided, they did not follow through.

Under the Gramm-Leach-Bliley Act, I am protected from nonpublic information being shared to non-affiliated third parties. XXXX, a non-affiliated third party, shows that I owe Nelnet for my student loans on my credit report. 

In XX/XX/year>, I contacted Nelnet for proof of agreement. They assured me they would send the documentation to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. A week later I called for an update on the matter out of concern that I would seemingly owe them a monthly payment. Under advisory of Nelnet, it was suggested I applied for the IDR plan to postpone payments until the disputation process has been completed. I applied for an IDR plan in the mean time during this disputation process, to which Nelnet has not responded to as of the XXXX XXXX XXXX website. The duration of this nonresponse has exceeded 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later.

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change.

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.

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 2025-01-11 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: GA

Complaint narrative:
On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later.

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change. 

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later.

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change.

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently XXXX XXXX XXXX XXXXAccount number XXXX : [ fraudulent amount {$49000.00} ) ] Date of Activity : [ XXXX ] As required under Section 605B of the FCRA, you are obligated to block this fraudulent information from my credit report within four business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action.

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at [ XXXX or XXXX ]. 

Thank you for your prompt attention to this matter.

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 2025-01-11 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed accounts that are not reporting accurately. I have late payments reporting on accounts that I in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late with payments. Ive attached a copy of my report to this complaint on the following accounts and dates XX/XX/XXXX, XX/XX/XXXX for XXXX Account number XXXX. XXXX XXXX dates XX/XX/XXXX, XX/XX/XXXX account number XXXX. XXXX dates XXXX account number XXXX. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated me federally protective consumer rights, rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX  Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 i 5 They are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are supposed to no furnish any information relating to the consumer to any consumer reporting agency if the person knows

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