vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently looked at my credit report to realize this company has my account in negative. I never was given a physical card or statement when first applying for this card. I began to receive statements end of last year early this month. When attempting to pay it continued to say my information did not match on the site. I called a few weeks ago and they had the incorrect information so they fixed it and I was able to begin payments. Now they are reporting a negative account to my credit report due to an error they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In XX/XX/year>, I disputed 2 different Midland Accounts on all 3 of my credit reports because i was unaware of the alleged debt.

One account was removed from XXXX. But the other was coming up verified. 

XXXX and XXXX has also verified both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has been charging me overdraft fees when I had deposited the money in time when they said they gice extra grace period. Even so, they've been doing this for years and it's extremely frustrating. BUT to make matters more annoying is I have XXXX XXXX XXXX  and in and out of hospitals and they specifically told. XXXX not to worry just let them know.and I won't get charged. Now I'm so negative becauae I keep getting fees upon fees from places I have set up automatic bill pay so they also keep tryinf to get the funds and i keep getting fees. XXXX it's XXXX for each time. When i call they said there's nothing they can do. Just in the last couole weeks I've established 8 fees.when I have deposit go in I will just barely get above into the positive and than end up getting fees again because of a bill. It's frustrating that they're lying saying they wil give extra grace days but actually never do.also with stm fees and monthly service fees..all of this was told not to worry just to call amd ask and it will be taken care of.

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 2024-03-01 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: DISCOVER BANK
State: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AK

Complaint narrative:
About a year ago, my loans were transferred from the original loan servicer to NELNET. Then I applied for a PSLF which afterwards my loans were transferred to XXXX. Since that last transfer, both NELNET and XXXX are reporting to the credit agency XXXX that they both have the 13 loans I took out during while in school. So to XXXX, it looks like I have 26 loans and the balances of all 13 loans are listed twice. That has doubled my student debt being reported from XXXX to XXXX dollars showing that I owe for student debt. My credit score took a nose dive of more than XXXX points at the beginning of the year. I can not get any kind of loan because everyone thinks I owe XXXX in student loan debt. I have filed a dispute with XXXX, I have filed a complaint with NELNET, I have filed a complaint with the XXXX, and I have filed a complaint with the Department of Education. I'm not asking for anything more than accurate reports be sent from NELNET to the reporting agencies. My NELNET account shows a XXXX balance but they say they can not report that because the Department of Education has to release them from servicing the loan. Yet, that has already been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus XXXX, Experian or XXXX anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX of Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''

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 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a late payment reflected, which I do not agree with, the information is inaccurate. 

ccount info Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} as of XX/XX/XXXX Monthly payment {$440.00} Credit limit {$16000.00} Highest balance {$16000.00} Terms -

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 2024-03-01 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:
For the past year, Experian has continued to report some unauthorized accounts. I have Communicated with Experian that these accounts are not mine. yet they have continued to report on my credit report. 
These accounts are listed aXXXX XXXX XXXX XXXX and 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 2024-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a follow-up complaint from a scam issue that started with a phone call on XX/XX/24. I did not answer, and the female left a voicemail message regarding fraud on my Bank of America account with a reference number and call back number. A letter was received as well regarding the need for additional information to complete a " credit application ' with the same date and reference number as in the voicemail message. Again, I did not respond as I knew it was fraud. I have credit score services with XXXX XXXX in addition to other accounts and they allowed " Bank of America '' to run a hard inquiry on my credit report and without my consent or knowledge also on XX/XX/24. Since my initial and previous complaints here with XXXX XXXX and Bank of America no one wants to accept any fault. I received another letter from " Bank of America '' on XX/XX/24 to please call them so they can help with " my credit card request and they need additional information ''. My credit report inquiry was done by a Bank of America in XXXX XXXX XXXX. This needs to be resolved and I can't call because my calls are probably being rerouted to the scammers. These people have my phone number, name, address and email and they must have part of my SS # as they did a hard inquiry on 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 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I paid this account off XX/XX/2022 and it was still in collections months after the payment was made

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I inadvertently paid {$10000.00} to a credit card that had a {$0.00} balance. This credit card is issued to one of my employees for incidental use. I called the bank ( Wells Fargo ) to ask them to transfer the money to a credit card that I do have a balance on. The first person I talked to said it would happen in 3 days. When that didn't happen, I called back. That person said it takes 2 weeks. When that didn't happen, I called back and that person said it takes 30 days. It has now been 6 weeks, and I just got an email from them saying they need more time for " research ''. I was also told that interest would accrue on my other card that I intended to pay until I make a payment. I really need this money back to cover my bills.

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 2024-03-01 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-01 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written Equifax and XXXX multiple times in requesting removal of erroneous collection accounts, old addresses, old phone numbers, old employers be removed credit report ( XXXX ). XXXX recently removed all the requested information and updated my credit profile. 

I have submitted to each credit bureau copies of my identification, and social security number as per each request. I have made numerous phones calls the merchant that reported the error on file to the collection agency XXXX XXXX to no avail. They refused to return phones calls. There is no address or email address on their website to write to them. 

I have asked all three credit bureaus to provide in writing proof of contract with my signature from these collection agencies within a reasonable amount of time. XXXX did not respond at all to my last correspondence and Equifax is asking again for proof of identification and social security card again. 

I am NOT re-sending any anymore identification information. I've attached the correspondence letters to between myself and both Equifax and XXXX. The first letter from these credit bureau 's claimed that I reported identity theft. I did NOT report any such thing. Then, they each sent me copies of my credit report containing the same errors. 

This has been going since XX/XX/2023 with letters back and forth. I was denied an apartment therefore currently residing with relatives. This is a temporary arrangement. But I implore the assistance of the CFPB to please step in to get this issue resolved by investigating or enforcing removal of these collection accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i am unaware of this debt. i did not have the opportunity to dispute this debt. 
portfolio recovery has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. if in fact that you believe i received proper notification, please provide the certified mail with a receipt with my signature on there stating that i received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus XXXX, XXXX or TransUnion anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX XXXX Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''

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 2024-03-01 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: IL

Complaint narrative:
15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus Equifax, XXXX or XXXX anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX XXXX Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have a Bank of America 3 % credit card. It is currently carrying a balance from a 0 % transfer offer made last year. I made a purchase on XXXX XXXX in the amount of {$2500.00}. Because I have a carried promotional balance, they started charging me my purchase APR for my purchase on the same day that I made the purchase. As such, I was charged {$36.00} for interest for a purchase made within the same billing cycle of which the statement closed. 

I attempted to dispute this and they said that they're within their rights because there was a 0 % balance carried from the previous month.

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 2024-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I opened a certificate of deposit with Marcus By Goldman Sachs Bank and it was funded on XX/XX/year>. They stated prior to opening the account that they can and will transfer the monthly posted interest at end of month to one of my external accounts. Shortly after opening the account I made a phone call to initiating the request to have my interest from this certificate of deposit transferred to my XXXX XXXX savings account. Today my money interest posted and the transfer did not initiate so I called the bank on the phone and the representative told me it only takes XXXX days for the request to complete and become effective and I put this request in approximately 30 days ago and the interest transfer was not complete. The phone agent told me she would attempt to escalate this. Attempting to escalate this matter by a phone agent does not give me the confidence that this problem will resolve. XXXX interest payments have not transferred so I believe i need to pursue this complaint. I need the money to pay my bills. Will the Consumer Financial Protection Bureau please help to get my interest payments disbursed to my XXXX XXXX savings account.

Company response to consumer: Closed with explanation