vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I have received a debt collection, that was sent to the wrong address. The letter is dated XX/XX/2023, was sent to south dakota, however, I am a military  member with the XXXX XXXX working in california. I do not have the 30 days to respond, because there response time line is XX/XX/XXXX. 

The account number is XXXX, through wakefield and associates. The disputing party is XXXX XXXX, California. I do not recoginze that name. I do not have proof of the debt, and if its what I assume to be a medical bill collection through XXXX XXXX  XXXX XXXX ; that debt is a workers compensation claim that I have already attempted to settle through my employer, but they fail to send payment. Otherwise, I am not responsible for this debt, and Wakefield and associates needs to cease and decist, contact the appropriate parties for the collection of any medical payments. This is the second time and I am being harrassed for an obligation that I am not responsible for. 

Also, I tried calling wakefield and associates, but the refuse to answer the phone. I have left two messages. I also attempted to communicate via their chatbot, attempted to enter my account number, but the XXXX  digit entry box will not accept XXXX, which is the account number on their notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
On XX/XX/XXXX, I paid off an entire federal student loan in full via Nelnet 's website ( {$2000.00} USD ). I immediately got an email from Nelnet that they received the payment. On XX/XX/XXXX, the transaction posted to my bank account. I was tracking the payment for around 3-5 business days ( checking daily, multiple times a day ) excited that I paid off a sizable amount. I found it odd that the amount I paid stayed in " Processing '' on Nelnet 's website when the payment already posted to my bank account the day after I made the payment. 

Sometime during the 3-5 days, I logged in and the transaction was nowhere to be seen on the site. I called the next day. The first person I talked to had no idea what I was talking about, it was almost as if I was being gaslit that I hadn't made a payment. I asked to be escalated and the next person knew exactly what I was talking about, somehow saw the payment, and submitted a request to have my balance be updated. I was told the update to my balance would take 2-4 days. 4 days pass and I call again. They tell me it will be an additional week. It has been 6 days. There has been no communication from Nelnet and no updates to my balance. I am frustrated that the next time they will tell me it will be another week or they " don't know '' why it's not processing AGAIN. I paid well in advance to avoid interest payments and yet we are approaching the beginning of interest kicking back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: CO

Complaint narrative:
I am trying to dispute a debt that is owed that does not exist. I have tried to contact the company but havent been able to contact them via email. I received XXXX on XX/XX/2022 and received a bill from XXXX XXXX  that I subsequently paid on XX/XX/2022. They also do not have an email I can communicate with them through, they will only provide one if I agree to their terms of service which I do not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unverified account is still reporting on my credit report which is a clear violation of federal law. I sent a letter and and there is no response yet. Credit Bureaus failed to comply with the relevant companies listed below. I am sending this complaint to seek for your assistance to help me remove the concerned account for it was found inaccurate and unauthorized. 

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Today I received a letter from I.C. System INC. 
Said I owed money to XXXX XXXX, but I never Used their company 's cell phone service. I remember around XXXX last year, There is a XXXX XXXX bill that shows up on my credit report. 
I then called XXXX and also called my credit reporting company to dispute. They said they would follow up on it. Then they removed XXXX XXXX from my credit report. Until today, I received this letter from I.C. System INC? I don't know what to do, I can only turn to you guys for help! Hope you guys can help me!!! thank you all!!!

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 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
XX/XX/XXXX XXXX i reach out to the company and was told this account was not mines i was giving a number to call XXXX -- XXXX the woman told me that the DL was not of mines and SSn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my Equifax and XXXX credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my Equifax and XXXX XXXX reports. 

-My line of credit was not {$600.00}, it was {$800.00}. 

-My highest balance was not {$410.00}. 

-Status updated can not both be XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( Equifax XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX XXXX  XXXX and all 3 credit bureaus and no one has resolved this issue for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has put derogatory information on my credit report in relation to this account when in fact the company " XXXX XXXX XXXX '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. EQUIFAX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! XXXX  XXXX XXXX has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but EQUIFAX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE EQUIFAX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased sneakers from a seller named XXXX XXXX and I purchased a total of {$9600.00} worth of sneakers. XXXX never shipped my products and the products never arrived. XXXX has shown XXXX movement on all of his tracking. I opened up a claim with wells fargo for the refund and they denied my claim for a refund. 

Wells fargo called me asking me questions and then sent me a letter denying my claim saying the charge was authorized. I am disputing that i did not get any goods from the seller and feel entitled to a full refund. I paid with a debit card.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is the second time the items below displayed an aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties XXXX, Trans Union, XXXX that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent 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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
My checking account with Chime online Banking was emptied out by 7 unauthorized transaction within a 3 day period all to the same person or account. The total was XXXX dollars I had no access to my account so by the time I realized what happened it had been several days I started on the XXXX of XXXX dealing with Chime about this because my XXXX check was also taken in these 7 transactions. When I made chime aware of the problem the said they would look into it and see what ha8. They approved me for a temporary credit but never gave me access to it. I kept calling each day they would give me the run around but send out automated emails saying they found no wrong doing in the transaction first time. So I filed a rebuttal and went to my sheriff 's office and filed a police report about the missing money and the 7 unauthorized transaction then again they sent a automated email saying they spike to the merchants and again found them not at fault I asked for them to show me the statements where the money went and as of today they still have not showed me where XXXX dollars of my money has been spent. I asked them if you talked to the merchants then you are aware of where the money went why want you show or tell me that. Now they closed another rebuttal saying no fault of there's still showing me or my sheriff 's office where the money went They keep closing it out so they can moved the temperary credit date back each time. XXXX went and read what I signed up for with Chime it's states if approved for a temperary credit it goes into your account within 24 hours well it's been over 24 days I've seen no temperary credit I was approved for or ant documentations showing where the money went Now they say I called and closed out the account 3 days before my next XXXX check. Was suppose to be direct deposited. I called them again telling them I did not close out the accounts. Because I was waiting on my temperary credit to go into and my XXXX check. I called today asked to have the account reopened and for them to send me the documents showing where the money went. They said they would email me it but like always they never send out any email at all I did not au5 those 7 transactions that cleaned out my saving and checking account I filed a police report stating I didn't authorize those transaction but chime seems to me is trying to cover up there mistake by ignoring me and closing my account out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
XXXX XXXX XXXX sold info to a non affiliate third party XXXXollection resources company. That is considered identity theft, I don't believe that First point collection have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
On XX/XX/2023 Midwest credit bureau called my husband for something they have in my name, his name is not associated with the account and told him everything about the debt including the date, amount owed and creditor. When I called them back and told the person they couldnt do that she threatened to hang up and garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XXXX I asked that incorrect information be removed from my credit report. Under USC 1681 they are required to investigate and conduct it in a manner that isn't just speaking to the supposed creditor. They failed to do the investigation per the law and haven't removed any incorrect information. Now is not the time for another investigation or to verify. That time has come and gone. I request all incorrect and negative info be removed for my report in the next 10days or be forced to pay {$1000.00} for every incorrect negative error on the report If you want proof of dispute look no further than the complaint filed XXXX with the cfpb. I've waited the allotted time now I will take action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PayTomorrow, LLC
State: CA

Complaint narrative:
I was denied an application to PayTomorrow for a lease to own/line of credit to purchase items at XXXX XXXX store in XXXX, CA. Under 12 CFR 1002 ( Regulation B ) of the Equal Credit Opportunity Act, I should not have been denied any extension of my own credit for any reason as a creditworthiness applicant. A score ( or lack thereof ) from a consumer reporting agency is not a viable reason to determine my creditworthiness when an extension of my credit was already granted with my social security number to the creditor ( PayTomorrow ). Nor is my income, or ability to pay a viable reason for the denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following. 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX  ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX  Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.

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