vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2021 XXXX 1

5 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 of 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 2023-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit reporting act. XXXX  account 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 instruction. 
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

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 2023-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit reporting act. XXXX  account 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 instruction. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: UT

Complaint narrative:
I setup an auto debit for my monthly payment ( amount to {$400.00} ) to be paid each month on the XXXX. For four days this month ( XXXX ) I checked the Nelnet account and my bank account and Nelnet had this message posted : " Important Alerts Payment Processing : When making a payment, it can take up to two business days to be applied to your account. For Auto Debit payments, they will be applied using your due date as the effective date. For all other payments, the effective date is the date you selected when scheduling your payment. If you've recently made a payment, your account may appear as " Past Due, '' because of the time it takes for processing. Weekends and banking holidays may result in longer delays. We appreciate your patience. '' However, my bank account showed no indication a transaction was pending. On XX/XX/2023 I received this email from Nelnet : " Your Auto Debit Payment Was Returned Dear XXXX, Your recent auto debit payment for your student loan ( s ) was cancelled or returned due to non-sufficient funds. Log in to your Nelnet.com account and select Documents from the menu, then Inbox to view more details and other methods for making you payment.

It is important to check your inbox regularly because these messages may be alerting you of action needed for any recent requests, repayment plan information, or other updates to your account.

You can always access your messages and account details when you log in to your Nelnet.com account. '' I have over {$5000.00} in my bank account and doublechecked that my account information was input correctly into Nelnet 's auto-debit page. Nelnet is now saying I am past due even though I have done everything correctly and in accordance with their processes. It appears the company is trying to get borrowers to double pay conducting a scam using auto debit and claiming this is the borrower 's fault when it is clearly the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone tried get a car in my name

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 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Victim of Scan/Fraud Dear Consumer Financial Protection Bureau , I am writing to report a Scam/Fraud. On XX/XX/XXXX, I received a notification from XXXX of a website regarding an auto action. That same day I registered on the website of following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX On XX/XX/XXXX, I made a bid for a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX and I was notified that I was the winning bidder for {$37000.00} and I was given wire instructions to wire {$37000.00} to the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Registered Agent Name : XXXX XXXX XXXX Bank Name : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX Routing Number : XXXX On XX/XX/XXXX, I authorized XXXX XXXX XXXX to wire funds to Bank of America for I believed I won a car through a legit auto auction and paid in good faith. I notified, XXXX at XXXX that I had wired the funds, and I was emailed a notification that the car would be delivered to me on XX/XX/XXXX, between the hours of XXXX to XXXX. Later I found on the Night of XX/XX/XXXX, that the website of XXXX no longer existed. On the morning of XX/XX/XXXX, I called XXXX at XXXX XXXX and to this day no one has returned my calls. 


I am asking Bank of America to protect me as a consumer. They opened an account to XXXX XXXX XXXX XXXX XXXX, which was registered to XXXX XXXX XXXX, which is a Scam. I in good faith wired funds of {$37000.00} to purchase a car that I won from an auto auction that I believed to be legit. Which turned out to be a total and complete scam. Please reverse the wire and send funds back to my XXXX XXXX XXXX account for {$37000.00} for I am a victim of fraud and should not have to take a loss for a scam that started in your bank. 

Please note I have filed a complaint with Federal Trade Commission, report # XXXX and the XXXX XXXX XXXX Department, report XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FBI, Federal Reserve , Office of Comptroller of Currency , and XXXX XXXX XXXX XXXX Please reach out to me at XXXX. 

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 monetary relief
Consumer complaint received 2023-10-20 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:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
applied for a refi in like XXXX and it took till XXXX everything was set there was to be NO escrow account. when title 365 showed up to sign the documents there was an escrow account setup. before i signed i called my loan officer and they recorded the call and I recorded the call and was told to not worry about it they have it on file that i waived escrow so once the papers are signed they will fix in post... taking their word for it, i signed the documents and then never heard anything more about it. i received a call from their collections dept claiming that i was not paying the correct amount. upon further review they never fixed the escrow account so i was behind in my payments. i called my officer, the collections dept, the escrow dept, mgmt, XXXX near anyone i could get on the phone. left a ton of messages. every single person that calls me or talks to me says that someone else has to deal with this or that i signed the documents so there is nothing they are going to do. i do not owe the mortgage company additional money over what is borrowed. they have no right to continue an escrow account when i was told they would remove it. its some simple paper work and yet they refused to fix it. they are reporting to the CBR that i am delinquent, they are violating the FDCPA, pretty sure this is violation of the truth in lending, maybe a bunch of other things too. they are shortly going to attempt to foreclose because of this but i dont owe them that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have previously applied for a XXXX plan through the federal XXXX aid website. Nelnet never confirmed my payment plan with me. I received an email form Nelnet on XX/XX/XXXX indicating my payment was {$190.00} due XX/XX/XXXX. I then later checked the Nelnet portal and it appeared my payment was actually due XXXX, and that the amount due was now late and {$1100.00}. I paid this amount on XX/XX/XXXX, only after my credit took a massive hit of over XXXX points on XX/XX/XXXX, days before my payment was SUPPOSED to be due. I attempted to call Nelnet on XX/XX/XXXX, as I was unable to do so earlier due to my work schedule. I was never told a call wait time, and remained on hold for over XXXX minutes before my call was disconnected. I have not been able to speak with anyone from Nelnet. I have filed for an updated payment plan through the federal student aid website, and that has still not been updated with Nelnet. Nelnet dinged my credit severely before my payment was due based on my first notification, then changed the due date to earlier than expected with a higher payment without any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
these inquiries that TransUnion allowed to be reported doesn't belong to me and if they do can you show written proof where I gave them the permission to place these inquiries also known as charges of which I received NO benefit from. SEE ATTACHED letter please.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
The company halstead financial is representing l nb on a XXXX XXXX car. The balance on the card was XXXX, they offered me a settlement of XXXX on XX/XX/XXXX th a payment of that amount was made via check. I have called and asked for a receipt multiple times they tell me I had to wai 3-5 business days so I waited and now we are beyond that time frame and they are still denying me a receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX  XXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/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 2023-10-20 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: TX

Complaint narrative:
I've taken a look at my credit report, and I've noticed some fraudulent accounts listed. Please review the attached information for your reference.

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 2023-10-20 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:
The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.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 non-monetary relief
Consumer complaint received 2023-10-20 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:
The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank youXXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was the victim of wire fraud. An individual accessed the system of either our mortgage company ( XXXX ) or closing company ( XXXX XXXX and XXXX XXXX ) and emailed me under the guise of our mortgage agent. They included a docusigned version of our qualification letter to reference the {$130000.00} in closing costs I would need to wire to the closing company. 

I wired that amount from my bank ( XXXX XXXX ) to an account at Truist ( account number XXXX ). Truist held flagged the transaction as possible fraud and contacted XXXX XXXX, who contacted me. I told them it was fraud ( by that point I had figured it out ) and XXXX XXXX relayed that message to Truist. That happened XX/XX/2023. 

Since then, I have been working with XXXX XXXX to try to get my money back from Truist ( who did not deposit the transaction into the fraudulent account ). I signed a letter of indemnity and have been waiting months. Yesterday, XXXX XXXX closed my case, saying that it was now between myself and Truist Bank as to whether I would get my funds. I have no point of contact at Truist. I don't have an account there. And I was basically told it was up to Truist whether or not they would keep my entire life savings or return it to me. 

Has anyone there ever heard of something like this? And how can this be legal? In my opinion, Truist basically foiled fraud so that they could commit it.

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 2023-10-20 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: ERC
State: TX

Complaint narrative:
I am filing this complaint to ENHANCED RECOVERY COMPANY for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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:
Unauthorized inquiries on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I noticed on my XXXX credit account today a creditor, Barclays XXXX on my account. Barclays Bank-Delaware account was said opened XX/XX/23. XXXX Acct #. I called Barclays Bank-Delaware and they reported they could not help me without an acct number. 
I filed a dispute report with XXXX XX/XX/23. Dispute Report # XXXX. Was referred to XXXX. This site referred to your site, given the nature of my dispute. 

Credit card company told me to call XXXX referred me to XXXX who referred me to you.

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 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My account was transferred to this company, they have not sent out any e-mails, calls, letters to me in order to start re-payment process. I'm unable to login to their website, customer service is non-existent. I've tried calling, e-mailing them and nothing. I'm unable to pay my loan, and will be marked as late soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
Phone number missing 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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank closed my account and wouldnt tell me why. They also didnt give any heads up, as I didnt receive any emails or letters just that my balance was {$0.00}. They closed it and failed to provide any info, closed on Monday XX/XX/XXXX, today is XX/XX/XXXX still no answers or money from my accounts. 

PNC said they sent a check but could take up to 90 days ; I am with {$0.00} until then. They left my credit cards open with balances that I have no way to pay due to them closing my checking account and stating to not do business with me.

Company response to consumer: Closed with explanation