vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: GA

Complaint narrative:
What Happened : On XX/XX/XXXX, Nelnet confirmed in writing that my student loan accounts had been XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX ) program, and " cancels your obligation to repay the remaining balance of your loan ... '' With this XXXX, no balance should remain, and these accounts should no longer be reported as past due. However, despite this clear status change, several of these accounts continued to be reported as XXXX  days late on my XXXX and XXXX credit reports, which is both inaccurate and damaging to my credit. 

To address this, I sent Nelnet a formal dispute letter on XX/XX/XXXX, requesting the removal of all XXXX accounts from my credit reports. Nelnet received this letter on XX/XX/XXXX. I included everything theyd need : a copy of their own XX/XX/XXXX XXXX  letter and my credit reports showing the erroneous reporting. 

When no action was taken, I followed up with a final demand letter on XX/XX/XXXX, firmly reminding Nelnet of their obligations under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX particularly under 15 U.S.C. 1681s-2 ( b ), which requires them to investigate and correct any inaccuracies. This letter reached Nelnet on XX/XX/XXXX, with a XXXX deadline for resolution. Yet, as of today, nothing has changed, and the inaccurate reporting remains. 

The inaction here is causing unnecessary harm to my credit reputation and financial stability. I am now requesting the CFPBs assistance to ensure Nelnet fulfills its legal responsibilities by promptly removing these XXXX accounts from my XXXX and XXXX credit reports. I look forward to your help in holding Nelnet accountable and ensuring accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX Venmo regularly for purchases. Loader {$700.00} and spent {$47.00} this morning and then my account was frozen. Submitted necessary paperwork and was told it would be reviewed within XXXX business days. Literally taking all of my money and refusing to answer why it was frozen or anything else. Reviewed XXXX  and they have done this to so many people and never gotten their funds back. The federal government should be looking into their business practices, shady stuff happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: KY

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : FILED FTC REPORT : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was Shocked to see that i have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a time barred debt ( open collection from XX/XX/year> from XXXX XXXX XXXX ) that still appears on my Experian credit report. per the RCW, statute of limitations in Washington state, this alleged collection has expired and I demand it be removed from my credit report. Also, Experian continues to provide false misleading information ( just like my expired collection ) on their website, as the address I complained about previously about not accepting certified mail is STILL listed on their website, why?

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/year> I received a text about two charges from XXXX asking if I recognized the charges. I immediately said no and I was told my debit card was disabled, so based on prior experiences. I thought I was okay and that the issue was resolved and I would call the next morning and get a new card. The next morning I woke up wot almost XXXX gone from my account after XXXX  put in multiple recurring charges to my account one right after another. I immediately called well 's fargo and filed a claim and they replaced my debit card. However, the person filing the claiim not only put {$10.00} on the claim that I told her was a valid charge from when I originally bought services from XXXX, but she also ordered a new debit card and released it to all merchants to the entity that hacked my card was then able to continue to take money out of my account. I immediately responded and told them to get rid of my debit card immediately. After the original claim was filed which was for over {$6000.00} I was told it had to go to the high dollar fraud " back office '' : with whom I could have no contact with and i would have a provisional credit within 10 days. On XX/XX/XXXX I was told my claim was being resolved and I was getting a provisional credit for that high dollar amount. Nothing happened and I continued to be overdrawn. Finally I was able to get XXXX from the back office to call me again and he told me because this {$10.00} was included in the claim that they were saying I didn't report it in 60 days and it was then voiding the claim. I told him that should have never been on there.and they are now saying that even without the {$10.00} they are denying the claim due to the 60 days. I was told by XXXX on XX/XX/XXXX it would be reworked and resolved after also being promised a provisional credit on XX/XX/XXXX which never came then I was told that they are now denying the claim and they claim they tried to contact me and I never received any phone call or documentation from the bank to ensure that I was able to provide proper documentation to show that the company did admit my information was stolen and to fix the error the bank made. The company has admitted that my information was stolen after valid charges were made, as attached in the email response, but they will not refund me the money since I filed a fraudulent claim with the bank they said they have to work with the bank.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nations Info Corp
State: CA

Complaint narrative:
I canceled a membership, I either forgot about or wasnt aware I signed up for. I was only made aware of this because of bank statements, and the morning after I canceled the membership. The company offered no refund or any accommodations. Never even used the services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I opened up a XXXX credit card in XXXX of XXXX and request that {$6400.00} balance transfer be made to my existing card at Barclays XXXX XXXX. I saw the amount show up on my new XXXX card, but the {$6400.00} never hit my Barclays XXXX XXXX. 
When I called Barclays they gave me the number that the check sent by XXXX hit at Barclays- this account ended in " XXXX '' and this is NOT my account??? I was sent a copy of the check that was sent by XXXX for {$6400.00} to Barclays and told by XXXX to call them and request that my " XXXX be credited to " MY '' Barclay 's account thereby reducing my account by {$6400.00} at Barclays. Barclays has NOT been cooperative. So, Now I am stuck paying interest in this money on my Barclay XXXX XXXX, " AND '' paying interest on this money on my new " XXXX '' card, when in fact I never received this money at ALL!!! ... ... and noone is helping me to resolve this issue?? ...

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XXXX Shellpoint Servicing took over my loan as of XX/XX/year>. They aquired it from XXXX XXXX. Shellpoint calls me every month trying to collect payments although the payments are taken out of my account automatically. I have explained this to them every month and they say the issue is resolved. This issues is not resolved as they continue to call me as well as send me default paperwork via mail. It takes them XXXX to XXXX  months to apply my payment to my account. It has now hit my credit as being over my credit balance. I have now been turned down for a refinance of this loan with another creditor due to thei inaccuate reporting. The other issue is that when they due apply a payment they are not appling any principal to my balance.

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 2024-11-12 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX FED XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Mobile deposited into checking- this was fraudulent but the bank cleared it. I thought I was receiving money for a job. I was instructed by the person paying me to XXXX to certain emails. I did via friends and family which is why XXXX won't help. XXXX to XXXX XXXX {$500.00} on XX/XX/XXXX, XXXX to XXXX XXXX {$1000.00} XXXX, XXXX to XXXX XXXX XXXX XXXX {$500.00} & {$200.00} on XX/XX/XXXX. This was from a bad/fraudulent check. Not being aware I did what I was told by who I thought was an employer ( XXXX XXXX ). My actual checking account went negative {$1500.00}. I'm just trying to make my checking whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
I contacted Mandarich law group debt collector from upstart loans I asked for them to report my monthly payments to credit bureaus because on my credit report its stating Im not paying at all the representative told them that they do not report to credit bureaus until after debt is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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