vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent a {$500.00} deposit for a used vehicle being sold for {$1500.00} to put in hold till I could come and get it. After sending funds the individual stated someone else paid more and I would need to send an additional {$200.00} to secure the vehicle. I asked for my money back because I would not send more. He has not refunded my money and is still asking for more.

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 2024-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is inaccurately reporting information on my account. On two instances, my trustee has submitted large payments that have not posted for almost two months on the first instance and the second has been pending since XX/XX/24 despite Nelnet claiming processing time is 2-5 business days. This inaccurate reporting causes interest to accrue based off a principle balance that has been paid against- this practice is fraudulent. The downstream effect has the potential to cause damage to my credit worthiness and therein the idea to secure most favorable terms would likely be jeopardized. I have attempted contact 6 times with response to one of submissions and no follow up after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
{$3300.00} {$1800.00} incorrect information!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I ended my contract and service with XXXX. Upon completion of my contractual obligation, including payment owed, I sent them the device in the prepaid return box that they provided. In their incompetency, XXXX lost the device I returned and has continued trying to charge me for it. This is completely false and inaccurate. I have gone through the dispute process and this was apparently resolved, only to find out that they have sent the account to a collection agency. This is unfair, deceptive, and in violation of fair debt collection practices. Now, Jefferson Capital is sending me notification of a debt owed that I already paid and ONTIME! The account is reflecting delinquent and has reported as such to my credit report, dropping my credit score XXXX points depending on the Credit Reporting Agency . I have worked hard to build and maintain my excellent credit rating and having to deal with this inaccuracy again and again is beyond cumbersome. The amount they claim I owe to XXXX is {$630.00}. I will be escalating this complaint to the proper authorities and agencies as needed until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I spoke to five people at Goodyear Citibank, three were in the customer service department and two were in the collections department at XXXX on XX/XX/XXXX, no one quite knew what to do with me. I asked for any one who could help me with regards to taking three delinquent payments off of my credit, I did not want a refund or anything of the source, just the creditor to go to the XXXX credit bureaus and redact the delinquent payments as they occurred in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which occurred during the COVID-19 pandemic and should be protected under the CARES Act, all three payments and any associated late fees were payed promptly in XXXX of XXXX after I regained my footing. My state at the beginning of the COVID-19 pandemic had some of the strictest laws in the country with regards to the COVID-19 pandemic with many places of employment completely shutting down. I confirmed with a customer service agent and a collections agent that my account shows a XXXX  dollar balance to this day. Two of the people I spoke with, were supervisors, and to my understanding, both of whom told me that essentially I can not write a complaint here because I had no protection? However, everywhere I look states that Goodyear Citibank is, so I am a bit confused there and I don't see an exclusion on the CFPB for Goodyear Citibank. One supervisor, when I stated so to make sure I'm understanding this right, Goodyear Citibank is not protected and so I can not report a complaint through the Consumer Financial Protection Bureau ( which up until that point is how the conversation was going ), then redacted what they stated and that they believed that my card was not protected and then when I pushed further I was told that she can not see if my card was protected, so to be XXXX, I'm unaware what the truth is here. They then told me to submit this issue through the credit bureaus and was going to provide me with the XXXX XXXX numbers for them, to which she provided XXXX and then I declined the rest as it is a very quick and straight forward google. I also was not able to speak to anyone who could actually provide me guidance or help, as I asked repeatedly for someone who could help resolve this matter ( if it wasn't obvious given I spoke to two different supervisors and 5 people in total in two different departments ) as we went round and round and I was being XXXX  walled.

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 2024-03-03 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: MO

Complaint narrative:
I have submitted multiple disputes with no resolve. Different info is being furnished to all 3 credit bureaus.

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 2024-03-03 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
I recently checked my credit report, and it showed accounts reporting that I do not recognize

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 2024-03-03 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-03 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Everytime i tried using the card online, the tranactions are declined. The transactions are well below the amount on the card. I've verified the info I'm entering is correct. On Amex website, the card is active and has the correct available amount. I have not yet tried using the card in a physical store, but its also not how/where i want to use it. I will attach screenshots of my latest online attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
I noticed accounts reporting that I do not recognize when I recently examined my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I consistently noticed an unexpected {$32.00} charge appearing on my XXXX account. Upon reaching out to XXXX to inquire about this recurring charge, I was surprised to find out that, despite closing my account and settling all outstanding balances in XXXX, the issue persisted. The XXXX representatives were unable to explain the reason for this charge, expressed their apologies, and regretfully stated that they couldn't assist me. Instead, they suggested reporting the matter to my bank.To my dismay, I recently received a letter in the mail, vaguely referring to the collection of a debt. This situation is both perplexing and disconcerting, especially as I am a XXXX individual striving to build credit. I was never informed of any outstanding payment of {$32.00}, and this lack of communication is hindering my efforts to responsibly manage my finances. In XX/XX/2023, XXXX assured me that my account was clear of any charges, and I had settled all due payments. I was explicitly told that there was no obligation on my part to send any additional funds to XXXX. Now, faced with this unexpected situation, I am seeking a resolution and clarification on how to address this issue promptly. Can you provide guidance on resolving this matter and ensuring that my credit-building efforts are not adversely affected?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
My credit report was recently verified, and I noticed accounts that i was not familiar with

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent proof of address proof of social security card and drivers license. This company is using a stall tactic to prolong there investigation after sending proof the company respond and still ask for these documents that was sent with the initial dispute.

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 2024-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent proof of address proof of social security card and drivers license. This company is using a stall tactic to prolong there investigation after sending proof the company respond and still ask for these documents that was sent with the initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XX/XX/2023 an account that I have no recollection of appeared on my credit for a balance of {$52000.00}. The company or creditor ( XXXX XXXX XXXX XXXX XXXX ) has sent me an affidavit to fill out, notarize, and fill out. They've also requested a photo color copy of my I.D, a police report and a claim from the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I get multiple calls a day. Even after I answer, no one talks and they keep calling several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX ( Account # : XXXX ) I am writing to formally dispute a billing error on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). After reviewing my credit report, I noticed billing entries that I did not recognize, which have adversely affected my credit score and financial standing. 

Violation of 15 USC 1681, Section 602 ( FCRA ) : The incorrect billing entries on my credit report do not reflect the accuracy and fairness mandated by this law. 

Violation of 15 USC 1681, Section 604 ( a ) ( FCRA ) : A consumer reporting agency may furnish a consumer report only under circumstances that are strictly authorized, which include the consumer 's explicit consent or a legitimate need for the information in connection with a credit transaction. 

Violation of 15 USC 1666b ( TILA ) : The billing error on my account has not been addressed in a timely or satisfactory manner, despite my attempts to resolve this issue directly with the creditor. This lack of action on their part constitutes a violation of my rights under TILA. 

In light of these violations, I am requesting the following actions : Immediate investigation and removal of this account from my credit report. 
Correction of the billing errors and an updated statement reflecting these changes. 
Written confirmation of the removal of and correction of the billing error. 

I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the FCRA. Failure to comply with these regulations will leave me no choice but to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
i took a look at my credit report and noticed there was a collection on there that did not belong to me and i called the collection agency and asked for them to validate it belongs to me and they could not provide me any proof and Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: MD

Complaint narrative:
Several " collections '' companies, using different names and contact information, have repeatedly sent demand letters over the past 7 years to collect a XXXX XXXX debt from me that is not mine. Furthermore, I have never had an outstanding debt to XXXX or and of it's subsidiary companies. I have also never had a relationship with any of the collections companies listed below or any other unnamed companies attempting to collect this fraudulent debt. 

Collections companies perpetrating this fraudulent collections activity include : [ FBCS , Inc ] [ XXXX XXXX XXXX XXXX XXXX ] Information Listed in their fraudulent notice : Account number : XXXX Reference : XXXX Amount Owed : {$2300.00} Date of Notice : XX/XX/2024 Reply By Date to Dispute : XX/XX/2024 This is fraudulent and repeated XXXX tactic to scam people out of money for fear of having a collections account on their credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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