vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 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: ERC
State: GA

Complaint narrative:
I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XXXX, XXXXXXXX XXXX  XXXX allowed someone to swap my sim card. An unauthorized user had access to my number for XXXX hours and was able to change passwords and log on to my Coinbase account and steal XXXX XXXX XXXX. I had insurance that i paid for every month since it was offered on an upgraded Coinbase account. Coinbase did an investigation and concluded that someone did gain access to my account and steal XXXX XXXX XXXX. They said my insurance i paid for every month did not cover the theft and did not tell me why. I lost my family 's life savings and Coinbase refused to reimburse me for the theft even though i had insurance to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has refused to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, accounts with adverse information currently been reporting by Transunion and Transunion dispute website page showing no option for online dispute for these accounts. I have contacted this company on XX/XX/2023 and XXXX 
-Account XXXX -Account XXXX -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 explanation
Consumer complaint received 2023-10-04 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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

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 2023-10-04 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I started a savings account at a Citizens Bank branch in XXXX, NY. The terms and conditions were that if I made a deposit of at least {$100.00} for each of four months I would get a {$25.00} bonus. 
I deposited {$100.00} in XXXX, in XXXX, in XXXX and XXXX At the beginning of XXXX I went to my branch bank to inquire if the {$25.00} was added to my account. I was informed by the branch manager that there was a computer glitch holding up the bonus. I went back in XXXX twice. The branch manager says he called the home office of Citizen Bank to plead my case. They told him there were many depositors who had not received the bonus. I was patient. 
When I inquired again at the beginning of XXXX I was told that the {$25.00} bonus had not been credited to my account. So, I decided to file a complaint with the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: MD

Complaint narrative:
I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.

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 2023-10-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.

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 2023-10-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-04 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Over a year ago, XX/XX/XXXX of XXXX, I made a {$700.00} payment on a credit card issued by Comenity Bank, a card I had been using for a number of years. I shortly discontinued the card with Comenity Bank and paid off the remaining balance. Comenity Bank claimed at the time and subsequently, that I had not made that {$700.00} payment. They could not find the check, apparently. Finally, after I had sent them proof of Comenity receiving the payment digitally from my bank here in XXXX, Va., Comenity Bank sent me a letter, dated XX/XX/XXXX of this year, acknowledging the payment had been made, a letter I will attach to this complaint. While communicating with Comenity Bank about this dispute, they have continued to send me statements claiming I still owe a balance of {$680.00} on this credit card account, despite their dispute department sending me the letter indicating I was not responsible for the questioned payment of last XXXX. I will also attach the last letter I sent to them about this issue. Also attached will be their latest statement sent to me in the past few weeks. In short, Comenity Bank continues to send me statements for an account that has since been closed and by their own admission I am no longer responsible for any balance. 
The address I have used to communicate with Comenity Bank is on the letter I have attached : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX The payments made are sent to a different address in Texas : XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 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: MD

Complaint narrative:
I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX, I received a letter from Nelnet stating that the Biden-Harris program had forgiven my student loans. 
I logged into my account, and I had 2 letters awaiting me stating that the loans had been forgiven and my balance reflected a XXXX balance. Last week, I received a letter from Nelnet stating that my loans were in forbearance. I logged into my account, and my balance was XXXX. and it said my payments would resume in XXXX of XXXX. 
I have tried to contact Nelnet, but after 5 hours of hold time over a couple of days, I am reaching out to CFPB for assistance in clearing this issue up. As of right now, my credit report is showing a XXXX balance. However, I fear that once the agencies are updated next month, this could greatly impact the closing of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Westlake Services, LLC
State: VA

Complaint narrative:
i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with WESTLAKE PORTFOLIO MGMT, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXXXXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My cards were charged and the company XXXX and XXXX stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.

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 2023-10-04 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: NY

Complaint narrative:
Nelnet can not provide my past payment history from Great Lakes. They will not reply back to emails, they purposefully drop my phone calls, they do not know what the issue is or how to fix, I constantly get transferred to another agent who does not know. I was told I had to sign up for paperless in order to receive my past payment history with Great Lakes, which I did not want to do. When I did they said the payment history would be in my inbox, but it is not. They have not returned any communication at this point, do not know how to fix, etc. 

I am unable to proceed with PSLF which is my right as I can not find the payment history. I was making payments up until COVID and I am qualified, but I am unable to get the PSLF after working in the public sector since graduating college ( and still do to this day ). All while they are charging me interest, demanding payments when I do not even know how far along I am as I do not have access to my history ( great lakes site loops to Nelnet ). 

Unable to communicate with them in any degree or fashion. Do not have access to past payment history after the transfer. Site is telling me no history available, agents unable to find it. I am now unable to proceed with PSLF while I am still being charged, billed, interest, etc. yet can not get a simple report showing past payment history with Great Lakes. 

This is predatory, this is not what the Dept of Edu was promising when payments restarted, this is a mess and I am no closer to resolution, but you bet requests for payment and interest and harassing phone calls are still going like clock work!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: IA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have been in education for 4 years now going on 5 and wanting to get my loan forgiven. I have reached out and haven't gotten any response to this. I have also done public loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
{$620.00} was sent to me via Cash App. The cash balance shows its available but when I attempt to make a payment against the balance, the app says the funds are not available. This has been an issue since XXXX. I have alerted the Cash App support several times over the past 30-days, at which I keep on getting the same response that it has been escalated to a specialist team and that I should hear from them via email asap. I have contacted them a half dozen times and each time its the same response. Only 1x did someone tell me it was a civil process issue, which they couldn't explain to me what that even meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I'm writing to bring to your attention a matter of utmost urgency and frustration. I've been dealing with Experian for over a month now, trying to get a fraud alert removed from my credit report. I've reached out to them over a dozen times through various channelsmail, email, and their online upload form. Despite my repeated and explicit requests to remove the fraud alert, they've managed to do the exact opposite : they keep adding new fraud alerts to my account. 

This isn't just a minor inconvenience ; it's causing real financial harm. I've been trying to get approved for a line of credit, and these additional fraud alerts are making it impossible. Every time a lender checks my credit report, they see these alerts and back away. It's like being stuck in a financial XXXX XXXX, and it's entirely due to Experian 's incompetence. 

I've followed all the procedures, filled out all the forms, and yet here I am, still stuck with a credit report that's doing me more harm than good. It's beyond frustratingit 's negligent. I've lost opportunities and time, and I'm at my wit 's end. I'm asking for your immediate intervention to resolve this issue and hold Experian accountable for their actions. 

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

These are the reports I have already filed with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet the sheer incompetence and lack of a way to get in touch with anyone by phone, in comparison to the other credit agencies where you can easily get a human, is the reason I am filing this complaint.

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 2023-10-04 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-04 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: TN

Complaint narrative:
I'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and 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