vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I requested an application for forbearance in XXXX. ( Please note that XX/XX/2024 request was not the first request for forbearance. ) I emailed FirstMark requesting forbearance due to temporary hardship while I am in legal proceedings regarding permanent and total XXXX. FirstMark declined to discuss forbearance with me via email, stating that I would be required to call their office. I informed FirstMarXXXX of speech impairment and requested a reasonable accommodation to write to them via postal mail or correspondence through email. 

In XXXX of XXXX, FirstMarks representative responded to my email stating that I must call. From XXXX until now, I have repeatedly contacted FirstMark to request forbearance application. I filed a CFPB complaint in XXXX when I was received notice of pending default. 

Following the CFPB complaint, a FirstMark representative emailed me stating that they would process my forbearance. I immediately submitted the requested details on XX/XX/XXXX. FirstMark also informed me that they could report to the credit bureaus on the last business day of the month. 

FirstMarks website indicates that they respond within XXXX hours. However, I did not receive responses to my many requests for status updates although I received confirmation emails following each request between XX/XX/2024 and today. 

Today, I received notification that FirstMark reported delinquencies for XXXX ( XXXX ) accounts. This action predated the timeline they sent to me. Reporting would have been reported on XX/XX/2024. 

This is a repeat incident wherein I have made good faith efforts to maintain good standing on my account, only to experience a negative outcome corresponding with FirstMarks processing delays or outright refusal to communicate with me via email. These actions reduced my FICO score by XXXX points today. Including, the two prior incidents, my overall credit rating has been impacted and my XXXX score has dropped approximately XXXX or so points. 


I contacted FirstMark today, XX/XX/2024, to advise that I would be filing an additional complaint with CFPB. FirstMarks representative then responded stating, in error, that the application for forbearance was submitted today. That statement is verifiably false, so I do not have confidence that FirstMark will handle my account details with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-23 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: FL

Complaint narrative:
I recently reviwed a copy of my credit report and notice i had fraudulent account on my report. Please remove this account from my report. this is hurting my ability to obtain credit. Account 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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX, I was notified of XXXX transactions on my Venmo account within less than 2 minutes. I immediately contacted Venmo to dispute these unauthorized charges to XXXX. 2 charges for {$650.00} and 1 charge for {$250.00}. This was almost all I had in my account. I was assured that it would be sent to the investigation team and I waited. I was never contacted for more infirmary and then received an email that stated that my dispute was denied because it went along with my purchase history. My purchase history was {$100.00} one time to XXXX and the rest are usually around {$50.00}, if that, to buy necessities from XXXX. I called Venmo again and spoke to a supervisor. Her name was XXXX. She looked at my account and was rather baffled as she could see the report from the investigations team and they did not even try to contact XXXX. They did nothing except say it was my purchase history. Even the supervisor said that there's nothing in my purchase history even close to it and I have NEVER bought anything from XXXX. She put in an appeal and told me she would stay in contact and that she would personally try to contact XXXX as I have had no luck getting anyone on the phone myself there. I waited 5 days with no answer and then received another email from Venmo. Again, dispute denied. So I contact Venmo again. Again the person from Venmo, this time his name is XXXX, informs me that the report from the investigation team steal shows no signs of contacting the merchant or that they did anything at all. He filled another appeal. I need help with this. This was almost all my money and I have bills to pay. They need to investigate!! I did not make these transactions. Please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I sent a wire transfer from my XXXX XXXX XXXX account to a Bank of America account. XXXX did not charge a fee for the wire transfer as I am a sapphire member. However, BoA rejected the wire because of " Missing Information ''. Furthermore, they did not disclose what the missing information was. When I called BoA they confirmed that the information was correct and were unable to tell me why it was rejected. They then refunded the money to my XXXX account but charge me a {$45.00} fee which was not disclosed and I did not agree to paying this fee. To make matters worse, XXXX XXXX XXXX hurricane Helene & Milton XXXX  We are trying to get our lives back together and although to some {$45.00} is nothing, to my family it is A LOT. Please make this right and help us get the {$45.00} refund from BoA. 

Thank you!

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 2024-10-23 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: MI

Complaint narrative:
I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXXXXXXA credit card From XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX was open XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX was open XXXXXXXX XXXX XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At XXXX, XX/XX/XXXX I received a phone call from Wells Fargo Customer Service XXXX I verified the number was the same as on my debit card. XXXX XXXX from WFB Fraud and Security Department then verified it was me by reading the last 4 digits of my SS # back to me. He stated there was suspicious activity on my debit card and described several transactions made in Texas ( I live in California. ) I stated they were not my charges, so he began reciting a series of charges, locations and gave me 'reference ' numbers to write down. During this process he suddenly exclaimed someone was attempting to initiate a {$25000.00} wire transfer to a XXXX XXXX as we were speaking! In a rush to prevent this, I followed his directions which involved reading off or typing 6-7 digit numbers into messages on my phone including my password followed by the word STOP. I needed to do this to prevent the wire-transfer. He was on WFB 's customer service line and I believed he was an employee of the bank! After we stopped the wire transfer, he inquired about other accounts and noted he could check them for fraudulent activity as well. About 20 minutes after we hung up I received a notice from XXXXXXXX XXXX where I have other accounts, informing me someone from an unfamiliar device was requesting access into my account. It was then I realized I fell victim to a fraud. But it was too late. WFB had already transferred {$25000.00} to a XXXX XXXX account with XXXX XXXX XXXX. And charge me a {$25.00} fee for the transfer!

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 2024-10-23 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:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : [ Name of Creditor ] Account Number : [ Account Number ] Date of Charge Off : [ Date of Charge Off ] Amount : [ Amount ] I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, 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 2024-10-23 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-23 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My bill was due XX/XX/XXXX, I called to make a payment and now my account is not found. I ask the security department and I'm told to fill out the appeal form which I already have multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
XX/XX/year> Dear XXXX XXXX Customer Service, Thank you for your response dated XX/XX/year>, which included copies of statements for the account ending in XXXX  However, my original request was for a formal verification and validation of the debt under the Fair Credit Reporting Act ( FCRA ), specifically regarding my dispute of the reported debt. 
The FCRA entitles me to request, and you are required to provide, documentation to prove the validity of the debt, such as the original signed agreement or contract that verifies my obligation to pay this debt. I also request that you send me a detailed breakdown of how the balance was calculated, including any fees or interest applied. 
Please treat this as a formal dispute under the FCRA, and provide the requested documentation within 30 days of receiving this letter. If you can not provide such information, please instruct the relevant credit bureaus to remove the debt from my credit report. 
I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
XX/XX/year> Dear XXXX XXXX Customer Service, Thank you for your response dated XX/XX/year>, which included copies of statements for the account ending in XXXX  However, my original request was for a formal verification and validation of the debt under the Fair Credit Reporting Act ( FCRA ), specifically regarding my dispute of the reported debt. 
The FCRA entitles me to request, and you are required to provide, documentation to prove the validity of the debt, such as the original signed agreement or contract that verifies my obligation to pay this debt. I also request that you send me a detailed breakdown of how the balance was calculated, including any fees or interest applied. 
Please treat this as a formal dispute under the FCRA, and provide the requested documentation within 30 days of receiving this letter. If you can not provide such information, please instruct the relevant credit bureaus to remove the debt from my credit report. 
I look forward to your prompt response.

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 2024-10-23 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover financial continues to use deceptive practices in hopes to collect debts also damage my reputation and cause actual damages to my personal life on XX/XX/year>, I mailed Discover services a notice of intent to sue with the opportunity to cure stating overall the deceptive and unlawful practices they have continued to commit on me before I had felt previous disputes Through XXXX and XXXX and XXXX On previous dates where discover financial stated all the information was verified, but that wasn't the case because in my disputes, I clearly stated I never gave written consent and they never had permissible purpose discover financial also continues to report late payments on my credit where 15 USC 1681 a definitions and rules of construction states that a consumer report does not include transactions or experiences where they have impacted my credit multiple occasions for utilization which under the USC is not a factor of the consumer report also, under the law discover did not respond that puts them in default. Another violation Discover committed was the violation of 15 USC 1692F which states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt without limiting the general applications of the foregoing. The following conduct is a violation of this section, using any language or symbols other than the collectors address on the envelope when communicating with the consumer by mail or by use of telephone except a debt collector may use his business name does not indicate that he is in the debt collection business Which Discover failed to do so sending me multiple attempts to collect debt Using unfair practices and not stating the debt collectors, true identity. This is my last attempts in hopes discover will remove all Information I never gave consent to report and that I opt out from Discover reporting on my consumer report also that Discover stop threatening me to close my account if I don't pay a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My acct XXXX opened XXXX has been closed since XX/XX/year> and should no longer appear on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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