vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Wednesday XX/XX/2024 I was led to believe I was applying for a {$2000.00} loan. I was sent a verification code to access my online account and the so called company said that in order to get a loan they had taxes that needed to be paid but not from me that they would send the funds and I scan this barcode to have the funds deposited in my account. The comapny name said XXXX out of Texas and that Texas had taxes. Not really knowing how a loan worked I done this only to find out I was scammed and it was a XXXX XXXX. When checking my account I realized the money was taken out not put in and this so called company told me it was a glitch in the system and they could fix it. When I called Wells Fargo Claims department which is my bank they said that I verbally gave permission for this not even considering that I didn't ask for money to be taken out my account and they should clearly see that it was some sort of scam beings 2 transactions were made one in the amount of {$750.00} and one for {$950.00} that I have never done anything like this before and telling them I was scammed resulted in nothing On Saturday XX/XX/2024 a little after XXXX I received a phone call from scammer saying they would reimburse my {$750.00} and my {$950.00} to my account. Said his supervisor put the papers on his desk and so he made the phone call to tell me I would be reimbursed and didn't need to do anything. I again called Wells Fargo to let them know the new information and it still resulted in nothing.

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 2024-02-13 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: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and 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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
Last XXXX  I called US Bank ( approx XXXX ) as I was unable to create an online account. I was escalated after being told my personal information was incorrect. I was told it would be corrected. 
Last Saturday XX/XX/2024, I called to ask if I could have a due date change as the pmt is too close to my mortgage. Rep said she could not service me because I was giving her an incorrect date of birth. 
I was told to go to US Bank with an ID or call the dealership. 
How did US Bank approve a loan with an incorrect date of birth? Why am I being penalized and unable to do anything except send them money?

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 2024-02-13 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXXATLS/ASPIRE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX XXXX XXXXATLS/ASPIRE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
I have written once before and now I am having to write for the second time as the first time around my requests were ignored. This is taking a toll and myself and my family and I need these errors to be addressed an corrected. At this point I need them to do their due diligence and ensure what they are reporting is totally correct and continue to do so moving forward to avoid these errors moving forward.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/XXXX I requested a copy of my LexisNexis consumer report, after receiving and reviewing my report I noticed various inaccuracies with my personal information listed, on XX/XX/XXXX I mailed a dispute letter directly to LexisNexis asking them to fix this inaccurate information, it is now XX/XX/XXXX and I still did not receive a response from LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and 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 2024-02-13 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: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I disputed a payment on my debit card due to the merchandise being lost or stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have received a copy of my consumer report from XXXX XXXX XXXX and I have received copies of my experian, XXXX, XXXX XXXX reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me XXXX XXXX and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I dont understand why and how you have my wrong address still I wrote you about this back in XX/XX/XXXX its now XX/XX/XXXX and its still not fixed. Bceause of your inaccurate error I can't put a new roof on my home. Correct or I will be forced to seek more legal councouil

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 2024-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My family purchased a vanilla Visa gift card back on XX/XX/XXXX for {$250.00}. Per the agreement, I treated this card like cash, and put it securely away to save the money towards a larger purchase. Upon trying to use the card on XX/XX/XXXX I was informed the card was locked due to suspicious activity. I contacted the customer service line. They informed me that there were XXXX, {$5.00} charges ( totaling {$250.00} ) made from " XXXX XXXX '' all on the same day, so they shut the card down. I then filed a dispute which they said would take 45-90 days. On the dispute packet, it lists the transactions, which all occurred on the same day at the same time. In my mind, this blatantly illustrates a hack on the card account. On XX/XX/XXXX I received a message from the dispute team informing my dispute was denied due to the transactions being outside of the timeframe of recovery. They issued a replacement card for {$100.00} as this was the balance when they shut the card down due to the suspicious activity. 

I had not used the card one until XX/XX/XXXX. How was I supposed to know of any transactions on a gift card I hadn't activated yet? 

I have now filed a second dispute, but I expect the same outcome. The " manager '' I spoke to on XX/XX/XXXX, is saying there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MA

Complaint narrative:
I have XXXX federal student loans incurred from XXXX XXXX  I was already on a federal income driven repayment plan and was told it would default switch to SAVE. In XX/XX/XXXX I was supposed to start repayment. On XX/XX/XXXX I went online to Nelnet website to submit my request to switch to SAVE. However, I received email saying on XX/XX/XXXX " no action need while we process your application '' On XX/XX/XXXX " XXXX, your payments are postponed. ", then " your application status : in process XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. During this time, I tried to contact nelnet by phone, only to be put on a wait that I was not able to get a hold of any agents until I tried again now in XXXX. I was automatically placed on administrative forbearance during this time. Nelnet held on to my SAVE application and told me it was processing for 5 months straight, but in this time I was accruing large amount of interest that I am unable to pay back on a lower salary as a XXXX XXXX.As result in the last 5 months, I accumulated over XXXX of interest that could've been waived if I were on the SAVE plan the low monthly payments based on my income. I feel that this is not right, that I should not be penalized with accruing interest rate when it was Nelnet that was taking such a long time processing the transition to SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Moved out of state and the account was still being used by someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX has reduced my credit XXXX score of XXXX to XXXX for having my XXXX  loans discharged under borrower defense after an investigation that took six years and a XXXX decision 8 months ago legal decision based on XXXX  misconduct then it further reduced my score to XXXX when I applied for a credit card and was actually denied based on their own misleading report which is kept secret. This is abusive and a deterrent to people like me who pay their responsibilities on time I think they do this due to my XXXX heritage gender and age thats illegal.

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 2024-02-13 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FACTUAL DATA Open XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
This formal complaint is in regards to the letter provided by TransUnion LLC dated XX/XX/XXXX. 

The letter indicates the following accounts were VERIFIED AS ACCURATE AND UPDATED. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update to current, paid as agreed. Remove for late payments : XX/XX/XXXX. 

Per congress via 15 U.S. Code 1692g - Validation of debts, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

I STILL have not been presented with the name and contact information of such an individual that has confirmed the validity of this debt with the date and time and means of verifying. 

Additionally, I was not provided evidence that confirms consent by ME to TransUnion LLC or the furnishers of this information that provided TransUnion this information that evidence my CONSENT prior consent to the reporting of the transactions and or experiences on my consumer report. 

TransUnion LLC is failing to comply with laws of FCRA and responding with stalling tatics and unverifiable information to avoid compliance. TransUnion LLC should be fined immediately for non-willful compliance and blatant harm and disrespect to me, the consumer, you the CFPB and FCRA.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
In early XXXX of this year, I downloaded their app and opened a savings account with XXXX XXXX XXXX XXXX On XX/XX/XXXX I funded the account with two transfers totalling {$51000.00} to the routing number ( XXXX ) and account number shown in the app, expecting the 5.25 % interest rate advertised at that time. When I received the attached statement, I discovered that there were actually two accounts, and my funds had been applied to a " Spending '' account instead of the " Savings '' account. The " Savings '' account number was different from the account number I had found in the app. The " Spending '' account accrued zero interest between XX/XX/XXXX and XX/XX/XXXX, when I discovered the problem and immediately transferred the funds to the " Savings '' account. I consider the fact that there are two accounts with no clear differentiation is very misleading, if not deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my experion report. Now on my XXXX report it says I was late 2 times and they not the same months as experion report also XXXX XXXX is reporting different months also

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