vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: TN

Complaint narrative:
XXXX and XXXX has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX and Experian has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my 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 2023-10-01 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: PA

Complaint narrative:
I've sent the following message by mail to Transunion and XXXX over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ 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 2023-10-01 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: MI

Complaint narrative:
I have contacted Nelnet as well as opened a complaint on XXXX because Nelnet is inaccurately showing that some of my federal student loans are in a standard repayment plan while the others are showing ( accurately ) that they are in the PAYE program. This has made it nearly impossible to determine what repayment plan currently being offered is best for my financial situation. I contacted Nelnet originally two months ago, on XX/XX/2023 and opened a complaint on studentaid.gov on XX/XX/2023. As of today ( XX/XX/2023 ) I have not received any kind of helpful information, verification of the payment plan, or a reason for such a delayed response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After my dispute with XXXX XXXX and pursuing legal for the bureaus involvement in reporting the account inaccurately. All three bureaus have denied my online access to my credit reports. Which is against FCRA reporting standards and regulations. I should not have to send a request by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-10-01 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: AL

Complaint narrative:
I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX and XX/XX/2023. However, I would like to assert that this reporting is inaccurate, and it is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 30 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under 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 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. Yours infuriated, XXXX XXXX  Subject : Re-Complaint Against Wells Fargo Bank for Gross Mishandling of My Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a renewed complaint against Wells Fargo Bank due to their utterly unacceptable handling of a dispute that has endured for over 90 days without any resolution, despite the merchant reversing the transaction and callously refusing to refund the consumer. The details of this ongoing dispute are as follows : Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Transaction Amount : {$76.00} Card Number : XXXX My evidence undeniably demonstrates that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the consumer 's refund for an extended 90-day period. This situation strongly suggests that either the bank is shockingly inefficient or, even more concerning, is actively engaged in a corrupt scheme to defraud its customers. 

I am submitting this complaint with the fervent hope that the relevant authorities will promptly and decisively take action to hold Wells Fargo accountable for their disgraceful actions. 

Yours infuriated, 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 2023-10-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my 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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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., 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. 
Delete the Following account : 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 2023-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Tried to log onto my Chase card account to pay my bill. 

Presented with 2 new documents to which I must agree or I will not be able to use on-line banking.

One of them is a 10-Page agreement. The other is a 125-page agreement. 125 pages! Buried in there is an arbitration clause that I managed to get myself out of -- but I could not do that until i already agreed with the 2 documents, because there was no way to get into my account to do so.

Who knows what else is in that 125-page agreement -- who has time to read it, then run down every possible action to undo ( if possible ) certain clauses? And there is simply no practical way to manage this account without online access -- and Chase knows that. 

Chase is taking advantage of its customers. If I could get rid of this card, I would. But I have all my points and status with XXXX XXXX, and they use Chase as their partner. So I'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing this because I, XXXX XXXX XXXX Consumer, did not give AFFIRM, INCXXXX, XXXX XXXX Doing Business As Chief Executive Officer, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Doing Business As Chief Executive Officer, or XXXX XXXX Doing Business As Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX, written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. Nor did I give WRITTEN INSTRUCTIONS to transfer, furnish or obtain my nonpublic personal information. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to reiterate my complaint against Wells Fargo Bank concerning their mishandling of a dispute that has now lingered for more than 90 days without resolution, despite the merchant 's reversal of the transaction and subsequent failure to refund the consumer. The pertinent dispute details are as follows : Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence unequivocally demonstrates that Wells Fargo received the reversal from the merchant. However, they have inexplicably failed to refund the consumer within the 90-day timeframe. This situation suggests either a profound inefficiency within the bank 's operations or a deliberate disregard for positive customer service practices. 

I am submitting this complaint once again with the expectation that relevant authorities will oversee this matter and ensure a fair resolution. 

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 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I requested documentation about their account such as signatures and statements. I advised this is a fraudulent account, please update records accordingly and remove from my credit report. A fraud report was provided in XXXX and the item was removed and then added back to my account once again. I have since updated the identity theft report once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS WERE REPORTED AS ID THEFT XXXX XXXX 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XXXX XXXX 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I contacted this company in XXXX XXXX XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX The company agreed to remove the account only to find out it was sold to a collection agency LVNV Funding LLC. 
Fraud report was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery continues ( for the last two years ) to practice unethical and illegal debt collection practices.

This is occurring after they have already been ordered by the cfpb to stop with their illegal behavior, cease collections and refund consumers affected. A link to the CFPB enforcement order is below.

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I've sent the following message by mail to XXXX and Equifax over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation