vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Complaint ID : XXXX I can not respond to this complaint, or other recent complaints on the CFPB website. I get an error message ( " Survey Not Found '' ). Older complaints that I have still not responded to, I am able to. Therefore it is not a technical issue on my end. Additionally I called the CFPB over this twice. The CFPB agent was also not able to access the survey using their own system. Clearly a CFPB employee/contractor has XXXX my ability to respond to complaints within the salesforce database that CFPB uses. I have submitted a complaint to XXXX ( FBI ) over this. Clearly there is someone acting on behalf of the banks that has infiltrated this government agency and is conspiring to prevent me from exercising my right to create a record of what is happening. As to the specific complaint ( XXXX ). Again. I am not and have never claimed identity theft. I am calling out multiple bank failures and associated criminal activity that was exposed to me by the collapse of XXXX. I am not paying the Nelnet loans because I need a bank in order to process XXXX  payments, and there is no XXXX  bank that is untouched by this fraud, and therefore I have no dollars to repay the debt. I will not have any XXXX  for the foreseeable future, or maybe ever if this is not resolved .... I am owed XXXXXXXX XXXX XXXXs by these XXXX  and bankrupt " institutions '' .... I will never be making another deposit. So your loan will never be repaid. It is not my fault. I have never even made a late payment to a creditor once in my life. Look at my credit report I stopped paying AFTER I was defaulted on, on election day in XXXXXXXX XXXX XXXX. My collateral was lost by the banks, so that's it. It's gone. Good job, you robbed yourselves. ( NOTE : I CAN NOT ATTACH DOCUMENTS TO THIS COMPLAINT. XXXX ERROR AFTER IT PROCESSES THE DOCUMENT )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
MOHELA has changed my student loan payment amount three times now without notification. They have also switched me between XXXX  and admin forbearance without notification. I set up autopay and then they more than double the due amount before my first payment was taken out. I checked the website two weeks before my XX/XX/20 autopay date to verify the autopay was still set up correctly to my checking account and it was {$260.00}. This was after a changed from $ XXXX  months prior. When I checked my account today to ensure the autopay was processing and they didn't switch me back into forbearance again, I see the payment due is now {$560.00}. No notification about this and now the payment will be declined as I did not plan for this amount. 

I am also unable to get through to speak to customer service rep multiple times despite being on hold for hours. I have sent messages with an automated reply saying give them 14 days to respond, yet it has been months without a response. So I have no way of getting answers. I work a ton and do not have time to wait on the phone for hours or check my account weekly in case they continue to make changes like this with no communication. 

This is causing a ton of undue stress for months while I am working XXXX hours a week making limited government-funded residency pay while trying to train to be a physician. I wish there was another company to service my federal student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I filed a previous complaint ( XXXX ) against American Express about a gift card I was unable to use because of repeat rejected charges. They issued a letter through CFPB saying they had canceled the card and were issuing a refund of the full amount ( {$170.00} ) but the check I received was only for {$50.00}. I have contacted American Express multiple times about this, each time being told they were escalating it and I would hear back within a week. I have heard nothing from them, so I am filing another complaint with CFPB to hopefully get a resolution and get my full refund. I have not cashed the {$50.00} check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: VA

Complaint narrative:
Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the Equifax data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the Equifax data breach, and I have taken steps to alert XXXX about this situation. Unfortunately, my attempts to rectify the matter with XXXX have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the Equifax data breach. Please follow up and facilitate the removal of these items from my credit reports with either XXXX or XXXX, as they may be reporting accounts that were included in the Equifax credit report. 

I want to emphasize that my information was sold and bought illegally due to the Equifax data breach, as confirmed by Equifax themselves. I am attaching proof of Equifax 's acknowledgment of my victimization in this data breach. Despite this admission, Equifax has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the Equifax credit reports for your reference : XXXX XXXX XXXX XXXX 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 As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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.

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 2024-01-22 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2024-01-22 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX and Experian.

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 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
They didn't give me the {$50.00} they owe me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TN

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 2024-01-22 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: TN

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 explanation
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is XXXX  as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent Experian and XXXX breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress. 

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the two late payment 's reporting on my Experian, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late paid as agreed.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i ordered a new wells fargo reflect credit card as i had lost my original card. 
i noticed it was pretty long past when i was supposed to receive it in the mail. when i logged into wells fargo i noticed the pending charge for {$4900.00} for what appears to be an XXXX XXXX XXXX, as well as a {$66.00} charge for a XXXXXXXX XXXX ; both were not me, and now it was clear that my mail was stolen. 
i told wells fargo and they cancelled the card, overnighted a new one and reversed the charge. 
on XX/XX/XXXX the vendor charged me again. since then wells fargo has not made it right and even sent me a letter deeming me responsible for the {$5000.00}.

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 2024-01-22 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: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
The information is incorrect..in addition I received information on the wrong person. I filed a fraud report with the local police department and this org still managed to go into my bank account and put a judgement there which caused all my monies to be tied up and a financial hardship for me. I had to borrow to pay my rent and pay most of my utilities and additional monthly bills. Also, this account was closed and charged off and XXXX found this to be strange I have requested signature and ID information from this organization and I have yet to receive the correct information. All I received was printed info regarding another XXXX XXXX. I went to court and they never showed up yet a judgement was granted via XXXX. This is stressing me out ; I tried fighting this without counsel but I see I will have to find counsel to deal with the organization which I can not afford. They have various addresses and when I went to their office it was to no avail the XXXX time. The XXXX time I was able to locate them with the courts help to serve this with an Obligation file to get my monies back.. This is tiring and I simply do not have monies to pay for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX regarding their handling of my dispute concerning an account that does not belong to me. I believe their recent request for a picture of me is unreasonable and not in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have already provided an FTC report as part of the dispute resolution process, and I find the request for a personal picture to be intrusive and outside the scope of what is required for credit reporting accuracy. 

I kindly request the CFPB 's intervention to ensure that my rights under the FCRA are protected and that the resolution process adheres to the established guidelines. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.

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 2024-01-22 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX regarding their handling of my dispute concerning an account that does not belong to me. I believe their recent request for a picture of me is unreasonable and not in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have already provided an FTC report as part of the dispute resolution process, and I find the request for a personal picture to be intrusive and outside the scope of what is required for credit reporting accuracy. 

I kindly request the CFPB 's intervention to ensure that my rights under the FCRA are protected and that the resolution process adheres to the established guidelines. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TN

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

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

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

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

Company response to consumer: Closed with non-monetary relief