vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request arbitration. Upon thorough review of my credit report from XXXX, XXXX and Experian, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks LLC Capital LLC In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA account XXXX In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request arbitration. Upon thorough review of my credit report from TransUnion, XXXX and XXXX, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request arbitration. Upon thorough review of my credit report from XXXX, Equifax and XXXX, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal CR Union, account XXXX Navy federal CR Union, account XXXX In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Induced by wells fargo bank they forged HELOC documents and consumer XX/XX/XXXX filed police report about the matter. XX/XX/XXXX had to made payments or else looser they home which is paid off. Required documents from wells fargo bank about the credit balances by the failed to provide the disclosure information. Billing error disputed request under 12 CFR section 1026.13 et seq requested Wells Fargo Bank never provide information XX/XX/2023.

They just keep sending billing statements. They filed foreclosure on XX/XX/XXXX on XX/XX/2023 to take They home.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX  account XXXX In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
In XXXX I received a letter from Southwest credit saying I owed money on an old XXXX. 

I recognized right away that this was a debt that belonged to my former employer. 

Several years ago I, as an employee of a nonprofit, opened a business account with XXXX. 

The account was always in the companys name and attached to its tax ID. It was never in my name or attached to my social security. I merely put my name down as the account contact. 

I left the company in XXXX. 

In XXXX, I got an email to my personal account about the debt. It was for the same amount I am being shaken down for now. The email was clearly marked as a debt belonging to the company. It did not have my name associated with the debt. I forwarded the email to the company. 

A year later, in XXXX, I got another email from a different debt collector also clearly marked for the company and not for me. I sent that to the company. They then assured me that they had resolved the matter. 

Now, in XXXX, the same debt has resurfaced only this time the new debt collector is saying that I personally owe the debt. 

To repeat, the exact same XXXX  account ( I checked the account numbers ) that debt collectors have been trying to collect on has now shifted to me personally. 

I think what is going is that the debt collector bought the debt for pennies from XXXX and realizing the statute of limitations has run out on the company ( it has been four years! ), they are now trying to scare me into paying because they found my name on the account. This is despicable. I have worked my entire life to protect my credit and now a debt collector can contact me with a very real threat of ruining my credit if I dont pay a debt that a ) the former employer insists was resolved and b ) was never mine to begin with. 

I have asked Southwest to send me the bill twice. I asked in writing in XXXX. I asked over the phone in XXXX. I went to their website and filled out a form requesting a copy of the bill in XXXX. I have done everything I can to get them to prove to me that this is MY debt yet they refuse to be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
ASPEN National collection In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: AR

Complaint narrative:
I submitted a dispute on XX/XX/XXXX for the two charges that were taken from my account while I was in basic training I had my debit card and all of my stuff with me at all times in the charges were made in a different state at a XXXX in the amounts of {$940.00} and then another one for {$43.00} on the same day I submitted the disputes and have contacted the institution over and over again to try to get some understanding of why the dispute was declined claiming that the chip was used during the transaction when that's impossible because my card was with me in another state which I have documentation showing I was in basic training. I since called and tried to reopen the dispute was told that it was but have gotten no response I seriously would like to try to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to bring to your attention the violation of my consumer rights by XXXX and XXXX. It has come to my attention that the credit bureaus has placed a collection on my consumer report without providing the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Furthermore, I have not been given the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( G ). This lack of due process denies me the chance to address any inaccuracies or discrepancies in the reported collection. 

I am deeply concerned that the collection agency is violating my consumer rights by using false, misleading, and deceptive means. Such practices are not only unethical but also illegal under consumer protection laws. 

It is imperative to note that the collection agency has no authority to furnish any account to a consumer reporting agency without providing all the necessary disclosures required by law. This act is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I urge XXXX and XXXX to rectify this matter immediately by removing the collection from my consumer report and ensuring compliance with all relevant consumer protection laws. I expect a prompt and appropriate response to this matter within a reasonable timeframe. 

Thank you for your attention to this serious issue. I trust that XXXX and XXXX will take swift action to address these violations and restore my consumer rights. 

Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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:
Sometime during covid my credit report was completely wiped out good bad all of it I have a credit score of XXXX still today have a credit score of XXXX which is affecting me terribly I don't know why my entire credit report was deleted I have no credit XXXX is my score or who did it or why they did 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 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I made a payment to pay off my student loan balance of {$2700.00} to Nelnet on XX/XX/XXXX. I received a confirmation email and checked my XXXX XXXX XXXX account online to ensure that the payment was linked to my bank account and to confirm that I had sufficient funds. 

On XX/XX/XXXX, I got a notice in the mail saying my payment did not go through and to reach out to my bank if I had questions about the failed transaction. I called my banks customer support to ask if they canceled my payment, they didnt see a cancellation on their end or any reason why my payment wouldnt have gone through. and I would have to talk to Nelnet about the situation. 

XX/XX/XXXX, I emailed Nelnet explaining my exchange with the bank and asked if they were the ones to cancel the payment and why? My student loan accrues interest daily, and I expected to be able to pay the final {$2700.00} of my debt and not a XXXX more. 

XX/XX/XXXX, Nelnet customer solutions emails me and says the payment was returned because they couldn't locate my account, yet I received a confirmation email from Nelnet on the payment date of XX/XX/XXXX, listing the same routing and debit account numbers that I've previously used for successful payments. Nelnet 's representative continues to tell me to reach out to my bank if I have any more questions with the cancellation. 

I replied back on the same day with a screenshot of a second chat conversation I had with my bank about the missing payment and they explained if they canceled the payment it would be noted in my account history. I further explained in my email that I made the payment out of good faith to pay off my debts and expect to be able to pay the exact amount of {$2700.00} without the extra interest the loan accrues daily. 

As of XX/XX/XXXX, Nelnet has not gotten back to me and my loan grows more by the day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-02-17 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: TN

Complaint narrative:
Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

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 2024-02-17 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: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-02-17 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: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TN

Complaint narrative:
Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

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