vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I received a collection letter from Caine & Weiner Company Inc on XX/XX/ and requested that they validate the debt they were attempting to collect on XXXX 
I received verification that the letter was received by the collection company on XXXX  via my certified return receipt. However, the company never responded to my legal request. On XXXX when checking my credit report a collection for Caine & Weiner was placed illegally on my credit report. Which dropped my score XXXX points. 
I disputed the collection with the credit bureaus advising that my request for validation was ignored by the collection company but they just advised that they verified debt. 
I don't understand how this company can outright violate the FDCPA for debt collection and refuse to or fail to respond to my request for validation. 
My rights have been violated and the violation is upheld by the credit bureau. 
I would like the company and the credit bureaus to be punished for breaking the laws established under the fair credit reporting act and reporting unvalidated information. I would like my rights as a consumer to be upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider. 

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one XXXX and XXXX never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for two XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation. 

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : XXXX. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts. 
XXXX. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly. 

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I borrowed money for dental work and set up monthly payments in the amounts so. Entire charge would be paid off in 10 months so I wouldnt pay any interest.every month they would add a late charge When I called they said they didnt receive the payment till after due date so I changed auto pay to a few days earlier, same thing the next month..so. From XXXX of XXXX  till XXXX of XXXX, I kept getting late charges.. I paid off entire charge and they still. Are trying to collect {$110.00}. When I spoke to them today they were willing to take off {$41.00} but I asked for the full amount and want credit card closed.. 
My bank checks. Show they were always sent out way before due date ans arrival date yet they were never cashed till after due date.. due date was XXXX of month Below is day sentday paid..day recorded by credit card company XX/XX/XXXX initial deposit {$500.00} XXXX {$1000.00} XXXX {$1200.00} XXXX {$1200.00} XXXX {$1200.00} XXXX $ XXXXthey were quick on this one XXXX {$1200.00} XXXX {$1200.00} XXXX $ XXXX.another quick one XXXX {$1000.00} XXXX {$1800.00}. final payment paid in full. 

I believe this company purposely deposits checks so they can charge the customer a late fee. They dont like people paying off their credit cards because then they dont get the outrageous interest they charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
XX/XX/2024 {$1800.00} I call carrington mortgage To ask them to stop a payment on my account because XX/XX/XXXX XXXX XXXX Account will not release a payment for XX/XX/XXXX XXXX of {$1800.00} For my mortgage and it really upset at me. Because they put me as a bad negative So this time I wanted to make sure the money was getting too XXXX soon as possible. So they told me they had 3 ways. They can get the money soon as possible whiches XXXX XXXX XXXX wired Transfer So I did XXXX XXXX on XX/XX/2024 I get all my payment at the end of the month I'm very upset because I didn't need this to happen again this company have done ththis to me three time and I'm very set I don't get no help from this company at all I have been paying my mortgage every end of the month. Even pay late fees because my payments come at the end of the month. I can send you over every bank statement from the time that I moved into this home until now and you will see. Always paid at the end of the month. I'm just frustrated because they won't help me. But they keep dragging me my credit to the ground. I feel like they want me to stay with them. Because I want to transfer my mortgage to a company that really cares about their customers. Because this company really doesn't care about that customers at all they don't look for thing when u ask them to I just need to find a local company so I can leave this It's horrible company because there no help. I'm goingna send over everything that I receive. And I would like for you guys to do some investigations on this company because it's starting irritate me because nobody 's understanding the customersituation when they seize that I paid this mortgage every end of the month I'm trying to get this company to understand I'm paying my mortgage but they're not trying to help me so at this point I don't know what I want to do. I'm about ready to just file XXXX  XXXX and go back to XXXX. Because I don't like the way i'm being treated with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-05 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: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2024-02-05 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: GA

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I had midland funding report a debt in my credit report. I contact and made a police report since this information was not mine. Credit bureau took the information off but midland funding has sent me to court to get payment for this account. These accounts are not mine and they are at a address that is not mine. I am not sure what address was used since this is not my address. The last name on the card is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: ME

Complaint narrative:
I have been a customer of Robinhood for a long time. Recently, after I lost my debit card, I began to use their Robinhood XXXX XXXX  as my primary debit card. After receiving a large sum of money to my bank account, I began transferring it in daily increments to my Robinhood account so I could use it. This worked fine for a few days, but then my XXXX XXXX began declining. When I reached out, I was told to generate ban k statements for both my main bank account, as well as the XXXX account I was using with Robinhood. Unfortunately, XXXX doesn't have statements, and when I told them this, they assured me that a photo of my debit card would suffice. After sending this documentation in, I was almost immediately told that my account had been closed and there would be no further action ( XXXX ). My funds were to be returned within 15 business days. On XX/XX/XXXX, Robinhood returned {$3200.00} of my {$4000.00} in the account. It has been nearly a month since then and they are still holding {$720.00} of my funds, and I have been blacklisted by their live chat, phone, and email support, only receiving the default email stating that Robinhood is " no longer able to maintain my account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-05 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: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-05 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: TX

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 2024-02-05 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: CA

Complaint narrative:
To assist you with filing a complaint regarding the inaccuracies in your credit report and the handling of your dispute by the credit bureau, I'll draft a letter that you can use. This letter will reference the relevant U.S. Code ( 15 USC 1681i ) which outlines the responsibilities of credit reporting agencies to conduct a reasonable reinvestigation upon dispute To Whom It May Concern, I am writing to express my dissatisfaction with the handling of my recent dispute, filed on XX/XX/XXXX, regarding inaccuracies in my credit report, specifically related to the XXXX XXXX account ( account number : XXXX ). Despite providing necessary documentation and utilizing certified mail ( tracking number : XXXX ) to ensure the delivery of my dispute letter, the inaccuracies remain unaddressed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are mandated to conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and to correct or delete any inaccuracies within a specific timeframe. The failure to perform such an investigation not only undermines my financial integrity but also violates my rights under the FCRA. 

Given the gravity of this matter and its potential impact on my financial health, I urge Experian to undertake a thorough and expedient reinvestigation of the disputed account. I expect the inaccuracies to be corrected, including any information that can not be verified as accurate, and to receive a written confirmation of these corrections. 

Please be aware that I am prepared to take further action, including seeking legal remedies, should there be continued non-compliance with the FCRA requirements. I trust that it will not come to this and that Experian will act promptly to rectify this situation. 

I look forward to your prompt response and a resolution to this matter. Please update me with any progress or additional information required from my end. 

Sincerely, 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 2024-02-05 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-05 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: FL

Complaint narrative:
XXXX BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY NAME AND 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I called JC Penneyon XXXX XXXX XXXX to verify a charged off account on XXXX XXXX XXXXXX/XX/. I spoke to a representative and gave my social security # to access the account and the account can't be found. This account # XXXX obviously does not exist and the account should be deleted. 

JC Penney XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I called Mohela to be placed in the SAVE plan in XXXX. I talked to an agent, we discussed my estimated payment to be around $ XXXX. I was then auto-debited around {$1200.00} in XXXX for my first payment, which overdrafted my account. I called back ; after hours of hold music, I was told the last agent wrote in the notes I should be put in the XXXX plan, but enrolled me in the wrong IBR plan. I was asked if I would like the full XXXX payment refunded to me or the difference ( XXXX amount less the correct XXXX payment of $ XXXX ). I chose the latter. I was told I would be placed in administrative forebearance through XX/XX/XXXX. 

I am still receiving notices that I missed my XXXX payment. I have tried to talk to agents, and I just get hold music and confirmations that yes, the information I have is the information they have, but I will continue to receive " late payment '' notices until I die.

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