vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
On transuion and experian my credit reports, it shows inquries that are not mine, I have mailed disputes to tranusion and experian and xactus, and have contacted XACTUS directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XACTUS DATE OF XX/XX/XXXX. This is fraud. I have never applied for this. 
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern. 

I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX XXXX also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. 

XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " XXXX XXXX XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: VA

Complaint narrative:
On XX/XX/23 at approximately XXXX XXXX I tried calling Nelnet XXXX my student loan service provider. After going through the menu, I was told by the automated voice that my hold time would be XXXX minutes! 

On Nelnet 's Contact page is the following language : " We're currently experiencing unprecedented call volumes, which is leading to long hold times. We apologize for the inconvenience. '' And on their email page they say : " We are experiencing unprecedented email volume at this time, which is leading to longer-than-usual response times. '' I have important and time sensitive questions about my student loans. I called the XXXX phone number first ( they answered within a few minutes ), but they referred me to my loan provider for certain questions. 

No consumer should be expected to wait over an hour on hold to have questions answered. Student loan borrowers have no choice in their service providers. We are stuck. Nelnet is clearly unprepared and/or unable to properly serve it's customers. 

Nelnet might address this problem by : 1. Hiring more customer service representatives. They need to double, triple, or quadruple their staff. 
2. At the very least, institute a " call back '' option whereby a Nelnet representative calls the customer when the next agent is available. Again, no one should have to wait on hold for over an hour. 

I suggest that the appropriate government agencies/authorities investigate Nelnet 's ability to properly serve student loan borrowers. If they don't improve their customer service capability, they should not be in the student loan servicing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was a victim of identity theft in XXXX  and filed a police report and several notarized Identity theft affidavits and Comenity Bank/Buckle has refused to resolve the fraudulent charges and remove the delinquencies from my personal credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX and equifax are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX SS : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Companies involved : XXXX Account Number : XXXX Persolve Legal Group I received last communication from XXXX XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XX/XX/XXXX I had phone communication with XXXX and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and Persolve report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with Persolve with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
We hired home depot to renovate our kitchen in XX/XX/XXXX. We used their offered 24 month 0 % financing promotion and put the full amount on the Home Depot credit card. For the first 6 months, no interest was charged. However, after 6 months we started getting interest charged. Apparently a 6 month promotion was attached to the account and not the 24 month promotion as described in the signed contract. Because we had it on auto pay - {$1000.00} per month, it took me a while to realize this - roughly XXXX months. In the last 18 months I have called at least 6 times. On 2 occasions, I eventually spoke to a " credit supervisor '' who assured me all the finance charges would be removed and the incorrect 6 month promotion would be modified and corrected to the correct and agreed upon 24 month 0 % promotion. I have a recorded phone conversation of the 2nd conversation from XX/XX/XXXX where the representative assures me the promotion will be correct/backdated to the original date and all the accrued financial charges will be removed. When there were not changes made, I called again on XX/XX/XXXX and was assured it would be taken care of within XXXX days. As of XX/XX/XXXX, we had paid the full amount of the kitchen renovation and other purchases without paying any of the interest charges- so by my math the balance on the card should be {$0.00}. I called again on XX/XX/XXXX after again no changes were made to the account and spoke to a supervisor who told me the promotion had expired so the finance changes could NOT be removed. I went back and forth but no progress even with the complete lack of logic. I told her I have a signed contract the specifies a 24 month 0 % finance promotional period. She told me the request was being denied from higher in the company and gave me a po box to write a letter to explaining the full situation - to " The Executive Response Unit '' XXXX XXXX XXXX XXXX XXXX 
I have also use the messaging system on the Home Depot web site on 3 occasions where I explain everything that has happened and included a link to my XXXX XXXX for the signed contract dated XX/XX/XXXX. One response was completely off topic and the most recent response was that the promotion had expired so we owe all the interest from the 18 months - at this point that is about {$9000.00}. So complete disregard for the signed contract, in fact not even acknowledging the existence of the contract.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. 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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed this report 18 times with each credit bureau. The credit agencies will keep this late fee. They have been told via telephone and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
The niece put in for a card with Victoria 's Secret, asked me if I wanted to be included on it, I said yes. It was before XXXX of XXXX  I informed the niece that it would be her XXXX present. The bill came late in XXXX. We paid it and included was a note by us saying that the Victoria secret was late sending the bill. In XXXX the bill came without the payment that we sent previously being credited to the account. My niece called them and was put on hold for XXXX XXXX. after talking to someone at Victoria secret 's space command the niece informed me that we are going to have problems with these people. In the interim I had audited my checks to see which ones had been cashed by them and which ones were still not cleared. we came to the realization that they ( Victoria secret had been overpaid ). My niece again called them a few weeks later around XXXX and got someone from a different galaxy. My niece informed Victoria secret that we had not signed up for the headache, the insurance scam they were adding to the account and the late fees. The niece had retuned some of the items purchased and the credit was not being shown on the account. I called Victoria secret in XXXX, pointed out the discrepancies to them. I stated to my niece that the Victoria secret people are not from this planet. My niece apologized and said I'll use the XXXX XXXX next time if there is a next time at Victoria secret.XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Hello, I received a collection notice from Gulf Coast Collection Bureau , Inc for a procedure preformed at XXXX XXXX XXXX XXXX on XX/XX/XXXX. My issue is not with Gulf Coast but with XXXX XXXX XXXX XXXX XXXX They set my account up as " receiving electronic statements '' without my consent and I never received a bill via USPS. I never check that email, it has over XXXX emails. Is there anything you can do to stop them from setting accounts up to receive electronic statements/bills without the consumers agreement? 

XXXX took over XXXX XXXX 's so they may have made the decision to automatically set up electric billing for the patients. 

I would have had no problem at all paying the bill and did so as soon as I received the bill from Gulf Coast Collection. Heck, I would have paid it at the time of my surgery also. 

Could you please make sure this doesn't show up on my credit report? Please, please let me know if there is anything you need from me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/ I called Chase to inquire about a transaction fee. They said it was for a cash advance. I was unaware that I had done a cash advance. They said that the cash advance would be charged a daily interest rate, I asked if I could pay it off today stop the accrual of interest. They said the interest would continue to accrue daily until the statement closed. They transfered me to a supervisor. That person said the same thing and said there was nothing I could do to stop the interest. I said that seemed predatory and she said please hold and without explanation or pause put me on hold. I was on hold for over an hour and no one came back. I called from another phone and spoke with another supervisor. He told me that the first person was partly incorrect and that if I paid the minimum balance, plus the cash advance amount plus the fee i could stop the interest. ( because for some reason the fee is also charged interest?? ) But he said that when the interest amount gets posted on my next statement that is also charged interest. and then that amount would be charged interst and so on. That seems extremely predatory. There were two transactions. One for {$20.00} and one for {$100.00}, each with their own {$10.00} fee. The perpetual interest on such a small transaction is predatory regardless of which representative was right. Its unconsconsounable. 

As a customer service complaint, I was still on hold with the original call when I finally get off the phone with the second representative. On hold for well over an hour with no human coming back to even say they were looking into something. I asked the second represenatative if he could look into his system and tell me the name of the person I was speaking to and put me on hold. He said he could not do that. I find it extremly hard to believe that they can't see who put notes into a persons account in their system.

Company response to consumer: Closed with monetary relief