vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: VA

Complaint narrative:
Fraudulent charges were made in a different state while I was out of the country using my credit card information, and I filed a fraud report through the bank company. The bank company initially refunded my stolen funds, and they advise they would get back to me within 10 days with the results of the investigation, however I did not hear back from them. A month later my funds were removed from my bank account without warning. I had to call the bank to find out what happened, and they informed me that they found me responsible for the transactions. They stated this was based on that fact that some of the purchases were made by me in this time frame. I advised them when i initially reported the fraud which transactions were mine during this period, however they included them anyway and used them to justify their findings. I was advised i could escalate the matter by filing a complaint, which i did, and was again promised to hear back within 10 days. It has been another month without hearing from them, and the funds have not been returned.

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 monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for PSLF ( public service loan forgiveness ) and my employer certification forms were received and processed by XXXX on XX/XX/23. 

I also consolidated some of my loans into Direct Loans during this time in order to have them qualify for PLSF and these were eventually transferred from Nelnet to XXXX. 

I have remaining Direct Loans with Nelnet that still has not transferred to XXXX. I called XXXX on XX/XX/23 and spoke to rep XXXX who had supervisor XXXX put in manual request for transfer. After waiting more than 3 months, I called both XXXX and Nelnet to find out the status of the transfer. XXXX rep said the request was sent, however, Nelnet said they have not received any notice from XXXX nor the Federal government. No one is able to give me an answer as to when my loans will be transferred over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$4700.00} ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
Financed a XXXX XXXX XXXX through Chase Bank XX/XX/XXXX. First was told 90 days no payments which was not the case. Called to bring loan current and was told account was charged off and that I only had XXXX options. First surrender the vehicle or second pay XXXX $ on an {$78000.00} loan. Was also told that I will be receiving an IRS form 1099C showing that I received a payment of {$86000.00} even if I pay the loan in full. I was told this by two different supervisors at Chase financial. So the bank charges off {$86000.00} as a loss with the IRS, Keeps an additional {$86000.00} in profit if I pay in full and I have to show to the IRS that I received an additional {$86000.00} in income that I never receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a loan of {$12000.00} to Toyota Finance. And the salesman made him purchase insurance saying he would pay {$72.00} each month. Which I accept. But I did not know why the seller XXXX did not inform that the total amount of that insurance would be lent to the bank along with the {$12000.00}. Now the debt is {$16000.00}. Including the total amount of insurance. Which I don't agree with and I called and sent emails to get them to cancel it. I went to the dealer to have it canceled firmly and they told me it would be within 90 days. Which is not fair. Because they are charging me interest on that insurance loan. Which I pay every month and it will not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have made atleast XXXX calls a day to all numbers I have been able to find by other people having issues. The loan server is currently down or hacked and I have been unable to speak with anyone over the phone, the company has no known statements or resolution, and I am afraid that this will negatively impact my credit as this is out of my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information with XXXX was breached. 
Here is the proof and they refused to delete theee accounts. 
XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : Bankruptcy XXXX. XXXX, XXXX - {$0.00} XXXX XXXX Please remove these accounts immediately as I was a custom of this 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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, 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 an 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding XXXX XXXX : I viewed my Transunion credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, 2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated 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 2023-11-29 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:
Regarding XXXX XXXX : I viewed my XXXX credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated 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 explanation
Consumer complaint received 2023-11-29 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:
Regarding XXXX XXXX : I viewed my Experian credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX  balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX  balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2023 my student loan was forgiven, my student loan servicer XXXX informed me that this info would be passed on to the 3 credit reporting agencies XXXX, XXXX, and Transunion and should be updated within 30 days. XXXX and XXXX have updated my credit report to show a XXXX balance. Transunion have not yet updated my report and in result i was denied credit. My student loan service provider informed me that they sent Transunion this informations months ago.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some personal information that is being reported on my consumer report that is inaccurate and I want deleted. Per 15 U.S. Code 1681 you must maintain 100 % accuracy and follow the written instructions of the consumer to whom it relates. My consumer report has several non mailable addresses that needs to be deleted and several names that are NOT my name. Please see the attached a dispute letter

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 2023-11-29 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: 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. 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX 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 an 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 2023-11-29 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: 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. 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX 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 an 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 2023-11-29 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: TX

Complaint narrative:
XXXX was opened on my credit report and does not belong to me and would like this item removed immediately, i was also a victim of EQUIFAX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
Ive submitted several disputes to Equifax regarding fraudulent and not authorized by me inquiries the fair credit reporting that they are supposed to dispute each inquiry I submitted the dispute on XXXX  do you ridiculous and they didnt even bother investigating or providing documentation to me they just sent back a generic letter the same day without investigating it saying it they were all factual? How are they factual? If you didnt even investigate them this has been an ongoing issue with these credit bureaus being lazy and not wanting to do their jobs and now I feel singled out. All these inquiries need to be disputed and removed because I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I spotted NFCU did a soft pull without my permission. 

Address of the inquiry is XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I spotted XXXX did a soft pull without my permission. 

Address of the inquiry is XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation