vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Last year on the studentaid.gov website : ( https : XXXX : XXXX ) There was a link to recertify my IDR plan early. 
I did this last XXXX, XXXX, and got a notification back from Nelnet that it was too early to recertify. 
On the same site it says " You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. '' I then received an e-mail from Nelnet on XX/XX/XXXX saying I had a payment coming due of {$290.00}. 
I recertified immediately again when I saw this. They ended up putting me in forbearance and capitalized over {$10000.00} to my principle balance so I now have to pay significantly more for interest than if they would have accepted my early recertification. 
I called them about this on XX/XX/XXXX and they said there was nothing I could do about it and that when I recertified early I checked the wrong box! 
They said I recertified too early and too late! 
They said the notice about not having to recertify until XX/XX/XXXX didn't apply to XXXX loans. 
I've been struggling financially but their actions are making it more and more impossible for me to pay them back. 
In addition they tell me I can't consolidate my loans unless I want to extend my payments by another 10 years! 
They told me I could apply for REPAYE but that was a lie ... that option isn't available for FFELP loans without consolidating! 
They should have sent me a letter about the recertification due date because it was a very important issue considering the false/misleading information published on the studentaid.gov website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America over charged me for 8years on my prepaid credit card and whenever I spoke to them they just said its what our fees are. I was never given my unsecured card after faithful payment to them. XXXX they canceled my care took my {$5000.00} and is now charging me an additional {$400.00}. The settle.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
I have inquiries on my credit report that does not belong to me. Please remove them immediately.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recently decided to fix my credit DIY style, started by ordering my credit reports and looked at every account as if it was under a microscope. One by one I realized that re-aging of accounts was astonishingly prevalent and running rapid on my credit report. I couldnt believe it! Nevertheless I decided to contact the collection agencies to clarify the debt ( not verification or validation ), I didnt get very far as they could not or would not answer my questions. Thats when I turned to the original creditors for answers, they were able to answer every questions I had but, then another problem arose. The information reported by the collection agencies to the bureaus were different than what I was being told by the original creditors. Surly the original creditors will know Activity date, date the account was open and so on. 

I C Systems INC is the collection agency for the original creditor of XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX  as evident by the recorded phone call attached as evidence ( I live in a one party consent state- New York ). The Date Of Last Payment XX/XX/XXXX ( last activity date ), the Date Account Was Closed XX/XX/XXXX. According to the collection agency I C Systems the date of last activity is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. I C Systems INC is re-aging the account, this is illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. 
I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX Recording According to the recording the agent of XXXX XXXX XXXX XXXX XXXX states at ( XXXX timestamp of the recording ) that the last payment was XX/XX/XXXX in the amount {$120.00}. This date is the last date of delinquency ( known as the delinquency date or date of last activity ). However the I C Systems Inc is listing the last date of activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

Lastly Ill like to discuss how re-aging hurts the consumer, and destroys their credit and reputation. It affects the consumer like myself credit worthiness much longer than it should. Uncollectible collections accounts forces the consumer to reluctantly and unknowingly settle the collection.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe the information on the XXXX XXXX XXXX account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted XXXX XXXX XXXX that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e.

I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file. 

This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that XXXX XXXX XXXX  claim i owe and i demand that XXXX XXXX  cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting act 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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I requested a balance transfer through my XXXX credit card who use XXXX XXXX as a third party. The balance transfer was approved and check was mailed by them to Capital One for the amount of {$7500.00} on XX/XX/23. Capital One deposited the check on XX/XX/23. The amount was taken off the Capital One account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my Capital One account. I have spoke with both parties multiple times. XXXX states the check as cashed and there is nothing else they can do. Capital One states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. Capital One refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that XXXX sent me a copy of. Last person I spoke with at Capital One said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to XXXX they again stated the check was cashed and no further investigation can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The information the are reporting is old and not correct. They investigated and was not able to provide accurate information. I want this deleted as its affecting my credit report and score. This was a jet ski account that they sent me the title too and I sold and they are showing I still owe money. I want this account deleted as if I owed them money I would have never got the title to the vehicle. Every time they give me a different amount that I owe and was deleted off one credit bureau not the other ones. Please delete the account from my 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 2023-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XX/XX/23 Credit Acceptance started garnishing my wages without any warning. The amount is {$140.00} a week.

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 2023-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have tried to pay off my FHA mortgage. ( Wells Fargo Bank ) I have received a pay off notice that is opposite of my original loan agreement.

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 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
MY CAR WAS STOLEN IN 2021, INSIDE WAS MY WALLET AN OTHER PERSONAL ITEMS... BUT MY ID IS BEING USED ALL OVER, ACCUMULATING MEDICAL BILLS A CREDIT CARDS... I TRIED TO EXPLAIN THIS TO THEM, BUT THEY WOULDN'T REMOVE ME FROM THEIR ACCOUNTS... I DON'T HAVE MONEY TO PAY OTHER PEOPLE 'S DEBT ... THE CREDITOR IS WAKEFIELD AN ASSOCIATE THEY XXXX SEPARATE DEBTS THEY ARE TRYING TO COLLECT.. I NEED A IDENTITY THEFT FORM TO SEND TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have opened a dispute with American Express on my Gold Card for an amount of {$640.00} with XXXX due to not receiving an item from a seller on XXXX. The seller has repeatedly forwarded documentation claiming I received the item such as a forged signature from USPS ( the package did not have signature confirmation ) and another PDF showing that it was delivered in/at a mailbox ( which it couldn't have been if it was signed for as they claimed. ) I have provided all of this information as well as pointed out the discrepancies in their argument and spoken with the local post office who informed me that the package was delivered to another address in the same zip code, but American Express is taking my side for a few weeks and removing the charge before turning around and rebilling me due to the seller submitting more false and misleading documentation that provides no evidence that I actually had the package in hand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-13 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: CA

Complaint narrative:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.

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 2023-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.

Company response to consumer: Closed with non-monetary relief