vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I filed a dispute with Experian explaining that they were inaccurately reporting the account status and payment history from XXXX of my creditors named Rent XXXX. Experian is reporting this account closed when it should be open. Experian is also missing several months of payment history from Rent XXXX. I called XXXX Dispute department on XX/XX/2024 in an effort to fix this issue, but they were unable to help me. A female representative hung up the phone on me twice, and I eventually spoke with a representative by the name of XXXX and he was unable to help me. I also contacted Rent XXXX and they provided me with documentation showing that the account should in fact be open. Despite all of this, Experian has continued to report this account as closed. Experian is the only reporting agency incorrectly reporting this 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CO

Complaint narrative:
I have my funds in wise account they have blocked my account without any reason and didnt giving me my money back

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Charges were accepted even after they were disputed ( XX/XX/XXXX ). I was not notified by mail ( statement ), phone or email. Found out XXXX  months later, after credit score dropped. Company has finally agreed to take charges off, but will not fix credit reporting issue. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX XXXX Error with Company continued to charge late fee and interest, thru XX/XX/XXXX. 
Started dispute process in XXXX ( as soon as realized ) and not resolved, fees mounting and credit reported.

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 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I departed a rental unit early and was guaranteed that if the unit was filled within 7 days no penalty would be incurred. The unit was rented in 5 days and the penalty amount was removed. This occurred in XXXX XXXX XXXX. Nearly 3 years later I began receiving collection notices from a collection agency for this cleared debt. Its been over 3 years since this issue was resolved and, furthermore, the statute of limitations for MD ( 3 years ) has passed. Neither the collection agency or original debtor, XXXX XXXX XXXX, XXXX, were able to provide proof 3 years later that the debt is still valid. Since so much time has passed I no longer have any documentation regarding this matter.

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 2024-01-30 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: PR

Complaint narrative:
The following XXXX accounts need review from you XXXX XXXX XXXX XXXX  has a Last Payment Date of XX/XX/year> which is incorrect. It is also an account that is closed and has a monthly payment of {$400.00} per month. XXXX XXXX continues to say that the account is accurate. I understand that it is not like that. I would like this account to be deleted because it is not accurate. 

The next one is XXXX XXXX, it has a False Last Payment Date, nor does it present a pattern of XXXX days late before it was Charge Off by the account provider. I wonder if this is XXXX percent accurate.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: ME

Complaint narrative:
During XX/XX/XXXX through XX/XX/XXXX, Nelnet is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. Nelnet acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, Nelnet says the reporting is correct. I have now recorded my full conversation with Nelnet for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the Nelnet reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello and thank you for helping out! I was in contact with Wells Fargo agents previously who helped me file a claim on my personal account however, I believe two of the charges were reversed, and I just wanted to provide the approved police report claim who investigated. I would like to have the account brought current. Thank you

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX Truist randomly closed my account claiming fraud. They have never contacted me or gave any info. They claim its related to a check... I explained that in the brand but Truist doesnt care. I loaned someone money and they made a payment to me. They accidentally grabbed their significant others checkbook. That check returned and I never touched those funds. She then wrote a correct check from her account and now Truist is holding my money XXXX. Its been nearly 3 months. There is no fraud except from the behavior on Truists part.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My name is XXXX XXXX, ive XXXX a XXXX XXXX XXXX customer since XXXX. I went to US bank ( check was drawn from US BANK ) in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) from XXXX XXXX XXXX XXXX and It was required to be verified before cashing. So since the check had usbank on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check beforeverification ( FIRST MISTAKE ) which kicked the check out as fraud. She then called to get the verification code ( SECOND MISTAKE ) which they provided her with which allowed the bank ( usbank ) to be paid. She then attempted to cashed the check a second time ( THIRD MISTAKE, IM OUT! ) which came back as fraud again. There was nothing she could do therefore I left usbank ( without my {$4300.00} ) and with check in hand, called my issuing bank XXXX XXXX XXXX XXXX XXXX to void the check. Long story short the check couldn't be voided due to usbank was provided the authorization code which entitled them to the funds. Well ( usbank ) did receive the funds on the XXXX of XXXX and told me they returned it on the XXXX, since I was not their customer. Well as of today, XX/XX/XXXX, my issuing bank XXXX XXXX XXXX XXXX says nothing was returned to them. l 've been to usbank several times since the XXXX, I even went to a different US bank branch thinking that the original location was trying to cover their mistakes. I also called XXXX several times and i also have a recordingof the supervisor stating " US BANK have the funds, and this was on the XXXX of XXXX. I've done nothing wrong. Im a working single mother of XXXX children. Those funds were a loan from my XXXX tax refund and my family are in dire need. We are facing a Eviction at the end of XXXX due to this mishap. Please look into this matter as to I don't know what to do or where to turn.

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 2024-01-30 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:
All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX 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 2024-01-30 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: TX

Complaint narrative:
I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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:
I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

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 2024-01-30 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the discrepancies I recently discovered in my credit report through a thorough investigation. The unverifiable, invalidated, inaccurate, and questionable items have caused severe distress and emotional hardship. 

In accordance with the Fair Credit Reporting Act, it is imperative that my credit report reflects XXXX XXXX  accuracy. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation by not reporting information that is 100 % accurate. 

I have attached copies of all correspondence previously sent to your agency, highlighting these violations. It is crucial that you take immediate action to rectify these inaccuracies and ensure my credit report adheres to the standards mandated by the law. 

Failure to address these issues promptly will compel me to explore further legal actions to protect my rights as a consumer. I expect your agency to prioritize this matter and provide a swift resolution.

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 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Received a notice from MIDLAND CREDIT MANAGEMENT about an alleged Debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Charges were accepted even after they were disputed ( XX/XX/XXXX ). I was not notified by mail ( statement ), phone or email. Found out XXXX  months later, after credit score dropped. Company has finally agreed to take charges off, but will not fix credit reporting issue. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Due to Bookkeeping Error with Company continued to charge late fee and interest, thru XX/XX/XXXX. 
Started dispute process in XXXX ( as soon as realized ) and not resolved, fees mounting and credit reported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Claim # XXXX In XXXX of 2023 fraud was committed on my Citibank checking account and my account was compromised. Individuals were able to sign me up for 'Wire transfer services " and made a withdrawal of my funds. I received a phone call from Citibank Fraud unit asking me if i made those transactions and i clearly told them no, i also received emails from Citibank regarding the transactions and i replied to the emails stating that i did not make or approved those transactions. I tried numerous times to resolve the matter for a few months now, over the phone and in person at my local branch. The managers at my local branch tried the best they can but they can't seem to get an answer either. My account that was compromised has been locked and the only way I can see an update on the case in to go in person to my local branch and have the manager log into my account. This should've been resolved months ago and Citibank is not doing their part for a customer like myself who has been a client for over 40 years, this has caused a lot of inconvenience as well as pain and suffering. To ad insult to injury, I was advised to open up a new checking account so when the matter gets resolved when my funds are returned they can go into my new checking account, however I receive calls every morning from a similar number as the fraud unit only to collect on Overdraft fees since the new account i was forced to open has XXXX funds in it.

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 monetary relief
Consumer complaint received 2024-01-30 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 2024-01-30 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear American Express I , XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that American Express is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing.

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was involved in the Credit Defense product settlement. I need to know when I'll be receiving my settlement.

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
XXXX I submitted a XXXX certification form online on my MOHELA account XXXX I submitted the following message to MOHELA : Hello, I submitted an updated XXXX certification form about XXXX month ago. Can you provide an estimate for when my payment tracker will be updated? Thank you very much! XXXX XXXX I received the following response : " Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. We received your XXXX application XX/XX/year>. We are processing XXXX applications by date received due to the influx of applications being received. You will be sent notification after the processing is complete. If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX Thursday and Friday XXXX XXXX XXXX XXXX XXXX CT. Thank You, MOHELA XXXX I am still awaiting for the form to be processed. Employment and childcare decisions hinge on an updated XXXX payment count, as that determines when my loans may be released and when I may be free to work for a for-profit employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I signed up for mobile services with XXXX for internet and wireless services. XX/XX/XXXX the equipment was delivered. XX/XX/2023 I cancelled the services. I contacted the vendor and I was provided labels to return the merchandise. XX/XX/XXXX the equipment was returned through the postal services. The equipment was returned with labels provided by the company. XXXX proceed to withdrawal electrical funds without consent for XXXX  month. My bank tried to contact the vendor without resolution. My bank refunded me the cost. XXXX removed funds 3 times. XXXX sent me to collections. I sent a letter to Diversified Adjustment on XX/XX/2023 requesting proof that I owed the bill. As of today, I have not had any response. I'm trying to obtain a mortgage and I can't with this bill on my credit. I am demanding this be removed from my credit, since it is not valid. 
If needed I have proof of documentation. Also, I never opened the box or turned on the internet or mobile service. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation