vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: WA

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 non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Agreement entered into XX/XX/23 with XXXX XXXX XXXX representing JPMorgan Chae Bank on two credit cards with remaining balances. I have faithfully made payments every month on the XXXX of the month and the balances are still showing fully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have made payments toward loans that all have been cancelled. The first on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted NelNet and can not receive a conclusive answer as to what is causing this issue. I talked with my bank ( XXXXXXXX XXXX ) as well since I was messaged by nelnet loan servicer to use a different payment method. All payments continue to not go through ( state processing, completed, and then back to canceled with no money leaving bank account ) and I can not reach Nelnet. I have contacted them 3 times today ( XX/XX/XXXX ) but was told by the automated voice that their call center is closed. On their website it clearly states XXXX. I have made 3 calls to nelnet in the past with one customer service person saying that Im only paying a small amount of interest monthly but didnt really answer why my payments are not going through. I am being charged interest daily and would appreciate help in paying my loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TX

Complaint narrative:
Ive contact EXPERIAN via certified mail, the dispute center and the problems are still not being solved. 

UNAUTHORIZED CREDIT INQUIRIES I noticed that 4 of them were done repeatedly. 

Violation of 15 U.S. Code 1611, 15 U.S. Code 1681 15 U.S. Code 1692K 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 explanation
Consumer complaint received 2024-01-27 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end 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 2024-01-27 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: ND

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 explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/year>, I received an unsolicited and without my permission a mailing from Netspend that contained a Netspend Debit Card with the Visa logo. No explanation as to why but full of instructions of how to activate it and upgrade. I should note that it had an incorrect first name - the name on the card and " the account '' is : XXXX XXXX. Never heard of that person. This is a scam and a fraud. People can get themselves into financial debt with this swindle. Please investigate and make them stop sending debit cards without people 's permission.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Sent letter to company on XX/XX/XXXX to opt out of reporting on collection item dated XX/XX/XXXX for the amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. TransUnion, XXXX, and XXXX are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.

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 2024-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXX Account XXXX Was Deleted From My Credit Report in 2022 and now have been reinserted back on Credit Report .I am not Liable for this Debt and have not signed any Contract with Impact Recievables Collection agency..I demand this Account be removed once again I was Not notified of this reinsertion of this previously deleted item. 
By Law I Demand you delete reinserted items 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 explanation
Consumer complaint received 2024-01-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
With reference to the response to complaint # XXXX. 
Not sure where to start, with such an uneducated response, but in an effort to help those involved, I will break down each of the paragraphs to expose the errors and correct. 
Paragraph 1 ) I did not at any time place an inquiry, but I did file a complaint for improper reporting.

Paragraph 2 & 3 ) In reference to accounts ending in XXXX & XXXX, with balances of XXXX & XXXX. You state that their not under review for 1099 - c, that nonsensical no such thing as review, its either over the required {$600.00} or not. Please read IRS Publication 4681. If you do not perform I will be contacting the IRS. 
Paragraph 4 ) You can put what ever you want in your terms and conditions, that's your right, but it does NOT supersede the purview of the FCRA or any other laws pertaining to reporting my non-public information. In fact I can opt any and all non-public information I choose to per the FCRA 15 USC 6802. I may also opt, per the privacy act of 1974, per 5 US Code 552a. To close on this paragraph, although you supplied a privacy notice with which you can report to the bureaus, I have the right to opt out from that notice, that you neglected to provide. To be clear I have opted out.

Paragraph 5 ) I thank you for this paragraph, as it shows your purposeful neglect in performing your duties, you mention your findings, what findings I didn't receive any notarized findings.

Paragraph 6 ) You are under no obligation to report anything, I did not give you permission to report anything to the credit bureaus, and still don't.

Paragraph 7 ) I'm not making a request, to be clear its a demand, for you to perform with a little integrity.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I did not charge {$1600.00} to my XXXX XXXX account in XXXX. I disputed it repeatedly. They turned it over to portfolio recovery and all these years later they are threatening to garnish my check for charges I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: MD

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
Consumer complaint received 2024-01-27 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:
I did a wells Fargo Credit card balance transfer online to pay off my XXXX XXXX credit card on XX/XX/2023. I kept calling Wells Fargo and telling them something is wrong it's been weeks and my card has not been paid off. And in the email that showed on XX/XX/XXXX the money went to a XXXX card but the last four was the same as mine on the RAM card but they said just give it time it will pay it off. When If Finally Cleared but was back dated to XX/XX/XXXX and that's not the date it actually showed up on the credit card. It did not pay off mXXXX XXXX XXXXard. I called Wells Fargo on or around XX/XX/XXXX about a week after it actually cleared to see if the XXXX  card would get paid off but it did not. Wells Fargo opened an investigation. Wells Fargo informed me that the money was sent to another persons account. A XXXX card with the same number as mine except one number difference. And that I needed to speak to XXXX XXXX the company over the XXXX cards. I went back and forth with XXXX XXXX for at least a month and a manger named XXXX said their is nothing they could do because the money wasn't transferred to a XXXX card. And that I needed to speak to Wells Fargo. I went to Wells Fargo on XXXX in XXXX XXXX Tx and was told that XXXX XXXX has to help me get the XXXX dollars that now is charged on Wells Fargo account. The fraud department gave me a trace number to track the money the Wells Fargo rep told me only they can do it. XXXX XXXX refuses to help me and I have no Idea why either one of the companies can not communicate with each other I am not in the banking industry and I can not understand what is happening. I am 100 % disable vet and I have no way of making any other money to pay these things off when I don't receive this money into my account.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2024 I discovered online that my checking account was closed by Wells Fargo without me being notified of the planned account closure. I did receive a letter dated XXXX XXXX, 2024 on XXXX XXXX, 2024 notifying me that Wells Fargo had closed my account. I called Wells Fargo to inquire why my checking account was closed and discovered in speaking with their customer support person, XXXX, Wells Fargo, through their incompetence and neglect, had closed my checking account due to, according to XXXX, " the Patriot Act ''. XXXX went on to explain that Wells Fargo did not have the physical address on file for my wife who resides at the same address as I do and is joint owner of the checking account. XXXX admitted at the end of our call that it might be a " broken process at Wells Fargo '' that caused my checking account to be closed. Also, it is worth noting that I had gone to a Wells Fargo branch several weeks earlier in XXXX after receiving a letter from Wells Fargo to ensure that my physical address on the checking account was correct. The Wells Fargo branch manager, XXXX, who reviewed my checking account information repeatedly assured me that my checking account was up to date and that there would be no risk of my checking account being closed by Wells Fargo. After speaking to XXXX at Wells Fargo customer support I immediately went to the Wells Fargo branch and met with XXXX, the branch manager, who had assured me repeatedly that my checking account would not be closed. After reviewing my account and calling her internal contacts at Wells Fargo, she said that she could not do anything to stop the closure of my checking account and that the closure was " not my fault ''. She also stated that this was probably a breakdown of Wells Fargo process that caused my checking account to be closed. My checking account was closed after 25 years at Wells Fargo and never having my account overdrawn. 

I had to immediately set up and fund a new checking account at XXXX  XXXX XXXX to ensure timely payment of my bills. 
So far, Wells Fargo 's incompetence has cost me : {$140.00} for an automobile insurance policy that had to be paid with a credit card instead of the debit of my checking account as planned. 
{$15.00} XXXX XXXX XXXX ( XXXX  ) fee for an expedited ATM card for my new checking account at XXXX. 
I am requesting that Wells Fargo compensate me for any fees I incur associated with the closure of my checking account by Wells Fargo.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

I would like to remind XXXX XXXX XXXX  of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information.

12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

XXXX XXXX XXXX  have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I would like to remind XXXX XXXX XXXX of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information. 
12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
XXXX XXXX XXXX have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.

Company response to consumer: Closed with explanation