vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After a previous CFPB complaint and several phone calls over the last 30 days, to remove accounts, they were put into DISPUTE. I never consented to that. Equifax is in violation of their own Data Sharing Policy and refuse to send a copy of my consent that they claim to have. 

I have informed them of these violations and get hung up on by supervisors. 

15 USC 1681 a ( 3 ) did not have my consent or permission. 
15 USC 1681 a ( 4 ) did not excercise your grave responsibility, were unfair, and partial. 
15 USC 1681 b ( 2 ) no permissable purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/22 TransUnion credit reporting bureau decrease my credit score by XXXX points stating it was due to me paying off two credit cards. I am under the impression that when you pay off a credit card or even pay down a credit card that it should increase your credit score not dropping dramatically by XXXX points. I called Trans Union and they stated there was nothing they could do. All the other credit reporting agencies to include XXXX  and XXXX  actually increase my credit score dramatically when I paid off several of my credit cards please see attached screenshot.

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 2022-08-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XXXX 2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with Experian and they send a letter saying that XXXX verified that this payment history is correct. I have asked for verification and have not received any.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON 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 2022-08-16 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: NJ

Complaint narrative:
I opened an account with XXXX Bank in XXXX. I have paid on time and in full every month. XXXX and XXXX have updated monthly accordingly. Equifax has not updated my account information or payment history ever. Not one time has it been updated. I e reached out to XXXX bank and told them the issues they said its correct but its not. I filed a dispute to have my information updated but it just comes back verified when its not. I showed them proof of my history but they still say everything is accurate when its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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 2022-08-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The following was paid out as a purchase on paypal. Unfortunately, I didnt realize until I reached out to them today that it was a personal purchase and was not a business. I was scammed off instagram and can not remember the account name. 

XXXX XXXXMoney Sent " XXXX '' - {$130.00} Repeat this transaction Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( JPMORGAN CHASE BANK XXXX ) {$130.00} Your backup is XXXX XXXX Transaction ID XXXX Contact info XXXX Note XXXX Details Sent to {$120.00} Fee {$4.00} Total {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
Loans werent talked through in the process of enrolling in school. XXXX XXXX in the year 2014 did not handle the appropriate steps, signed the student up for loans without informing student appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I personally invested {$29000.00} with " XXXX XXXX '' beginning in XX/XX/XXXX. I've been asking for receipts to file with my CPA as well as a XXXX. XXXX has not produced either form as of XX/XX/XXXX. Since that time, I have been in touch with about 20 other investors that have been defrauded by XXXX XXXX. I invested into a short term rental agreemtent with Your XXXX XXXX  ( agreement attached ) for the purpose of XXXX managing a XXXX unit for me. The unit has failed to produce a profit/ the profit has not been shared with me and XXXX XXXX has stopped communicating with me. I do not believe he has reported the income to the IRS collected from me or the other investors. Other addresses I have on file for him and XXXX XXXX XXXX  are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I interviewed with XXXX on XX/XX/XXXX and was hired as XXXX XXXX XXXX on XXXX. I spoke with XXXX XXXX, VP of HR via the XXXX XXXX  for the duration of the hiring process. 
After being notified of my hired status with the company, she had sent me on-boarding paperwork to sign and date. Once that was completed, she had sent me a check and asked me to contact their vendor to purchase my home office supplies ( XXXX XXXX, etc. ). She noted that their private vendor would assist in personalizing my computer to accurately do my job. 
Two payments of {$500.00} were made via Zelle ( XXXX total ) to their vendor, XXXX XXXX. After that, XXXX XXXX tone changed and I realized that this situation might have been a scam. I contacted my bank, XXXX that same day. 
I also spoke with a Zelle associate who assured me that this situation seemed to be fraud and would be investigated, as well as my local police. 
On XX/XX/XXXX, I had received a letter in the mail stating that based on their investigation, my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TN

Complaint narrative:
I received a letter from NELNET dated XX/XX/2022 informing me the amount of my student loan payment. I don't have an account with NELNET. They have reached out to me using my personal information which leaves me to assume my identity has been stolen and used to open an account with NELNET. I have filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My daughter, XXXX XXXX, had a checking account with Wells Fargo ( XXXX ). 
She got caught up in an online fraud. Wells Fargo allowed an obviously fraudulent check be deposit into her account for {$1500.00}. Her account never even had {$1500.00} in it and had never even made a {$1500.00} deposit before. While they put this amount into her account, they did flag a subsequent {$1000.00} check. In the meantime, they allowed her to XXXX ( from her Wells Fargo account ) to scam XXXX address. My daughter made a mistake. However, Wells Fargo needs to take ownership that they both processed a bogus check, which allowed the bogus XXXX check and an additional XXXX for {$500.00} to go through. {$1500.00} total.

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 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Navient has reported my loans in repayment status which is causing my credit score to decrease dramatically. Student loans are supposed to be in nonpayment status until XX/XX/XXXX. I am not able to reach them by phone or email. I would like this to be corrected on all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
Equifax is continuing to furnish a report without written consentI have sent several letters stating I didnt give them permission to furnish anything on my report 15 usc 1681 section 604 A section 2.

15 usc 1681 section 2 : states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one closed my account without reaching out to me or contacting me because as stated by their supervisor on my call my " auto pay stopped going through. '' I owed {$25.00} when this happened and had {$400.00} in cash back rewards built up. Without contacting me at all capital one took it upon themselves to close my account and also report the debt to my credit report. My credit score has taken a substantial hit from this. My business and way of making a living is now seriously threatened because my business depends on me having great credit and being able to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.

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 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I made a Principle payment of XXXX XXXX dollars and Mr Cooper reversed it added to a mortgage payment that had already been made and by doing so I was charged interest. The customer service worker said her screen is showing her activity payments credits that are not on my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America shows a newly opened checking account, which I did not open and want closed. 

I called the correct number and spent 15 minutes with a bank rep in almost total silence while she claimed to be documenting that I did not open the account. I asked for a confirmation number for the call and was only provided a call back number in the event I was disconnected. After providing the call back number she said she was then transferring me to the fraud department even though I already went through everything with her. 

As soon as she attempted to transfer me the call was disconnected. Rather than call back and be put in a long waiting que again, I waited a few weeks to see if the account would be closed based on my phone call. When it was not, I opted to write a letter ( 2+ weeks ago ) which is the only other method they provide for handling this matter. 

The account is still active and they are now billing me $ XXXX for not funding the account that I never opened and requested twice to be closed over the last month+. 

I don't feel they are making any effort to close this account. I also feel they make it as difficult as possible on purpose so you can't actually close the account. 

I did not open this account and request it to be closed ASAP and have any fees removed.

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 2022-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

The first inaccuracy is that my credit file shows I have a closed account with XXXX XXXX on XX/XX/XXXX. The account number is XXXX according to what is showing on my Experian File. I believe this account should be removed as I never authorized such an account. Please investigate this further. 

In addition, I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX  Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX Card Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

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 explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: RI

Complaint narrative:
Hunter Warfield calls me at XXXX several times a day every day from XXXX. They ask for me then transfer me to someone who threatens me about delinquent debt. They refuse to stop calling me. They refuse to provide proof of debt. Instead they just keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a Dispute on XXXX website with ELAN FINANCIAL SERVICES whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a XXXX XXXX, and still am until XX/XX/XXXX ( currently in a XXXX XXXX  ). I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX  where I notified them of the crimes against me. Further, I included the Civil Court documents from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. XXXX XXXX and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While incarcerated, all my accounts were assigned to the address in XXXX XXXX  of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX ( except for 4 years I spent in a XXXX  XXXX during this term of XXXX XXXX and can clearly show this fact. Further, I am protected by the laws of XXXX  and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.

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 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
First National Collection Bureau , Inc sent me a text message on XX/XX/22 as their very first collection attempt, before any validation of debt notice was sent or received, stating " We are contacting you regarding an important business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. Call us at XXXX or pay online using reference number XXXX at XXXX '' In response to that text message I called them and the representative I spoke to was horrifically rude and proceeded to talk over me and yell. I attempted to advise them that this debt is past the statute of limitations to be collected and was never mine to begin with ; however, the representative just yelled over me, not listening to me at all. 

I advised them at that time to NOT contact me again. 

On XX/XX/22 I received another telephone call from them and no message was left. 

I still have not received a verification of debt notice from this company and find their tactics to be abusive and feel their practices should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation