vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I settled a credit card account with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my 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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I stated several times I never received statements from this company regarding balances and ending balances that were owed. They remove and add to my credit report as if it is new debt but it is not. This debt is almost over XXXX XXXX XXXX. They never provided me with what was needed after calling them in the past. They then again placed the collections again and again on my report and continue to go back and forth as if it is new and its not.

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 2023-12-26 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:
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 anxiety. 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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management LLC reported false and inaccurate information regarding an alleged debt to two major credit reporting agencies. The company reported this information before attempting to contact me with the option to verify or dispute. On XX/XX/2023, I initiated communication with the company by certified mail and email. In my communication, I specifically requested documentation to allow me verify and validity of the alleged debt. The company failed to respond to my initial dispute and failed to provide me with any information to verify. Furthermore, Credence Resource Management LLC continued to report this information to credit reporting agencies, which resulted in damages of my reputation, and credit profile. I am aware Credence Resource Management LLC illegally obtained my private information and breached their privacy policy by reporting without my explicit consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Was even a American Express gift card for {$200.00} the card is unusable anywhere not XXXX gas stations not XXXX not online anywhere card will not work. American Express offers no support no reasoning no time frame or what the problem even is

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: 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 OF XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hi, I'm reaching out today because it has recently come to my attention that I currently have multiple non-Mailable addresses,3 inaccurate names and multiple inaccurate phone numbers reporting on all 3 of my consumer reports. This is problematic because I no longer associate or receive mail at any of these addresses or use any variation of these names or numbers. This is a direct violation of the Fair Credit Reporting act since the credit reporting agencies Equifax, XXXX, and XXXX all have a duty to report accurately in accordance with 15 USC 1681e and are to maintain effective compliance procedures. I am hereby requesting all 3 credit reporting agencies remove the following addresses and names from my consumer report immediatelyXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Friday XXXX between XXXX and XXXX, I went to deposit XXXX dollars in cash of XXXX in my acount with Wellsfargo bank. The ATM jammed on me. I called the bank personnel and they wtinessed my predicament. After a while they removed the jam and the machine continued to work BUT they did not give me the money. Instead they told me to call the Claims department. I was taken in circles to XXXX different people. They told me it will take XXXX business days to respond to me. Today XX/XX/2023, I went to the branch and nothing has been done. My account is in overfdraft status and can not even buy anything with my card. My due a person came in today when I was at the branch to repair the same machine because it continues to malfunction. Why would consumers be subjected to unfair ordeal at this time of the year just because of the bank dysfunctionality. 

I need your intervention. 
Thank 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 monetary relief
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
I paid off my student loan balance in XX/XX/XXXX. At the time my student loan servicer was Great Lakes. They sold their portfolio to Nelnet in XX/XX/XXXX, and even though I paid off my balance already, Nelnet is erroneously claiming that I have a loan balance of over {$11000.00}. 

I contacted them via mail in XXXX and their response was that they refused to investigate and that the balance was correct. Even though in included proof of my paid off balance with Great Lakes with my letter. When I attempt to call, Ive been placed on hold for several hours at a time, unable to speak with anyone. 

I have been paying my monthly payments on the erroneous balance as to not damage my credit score. I would like my erroneous student loan balance wiped and a refund for the payments I made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I tried calling and kept getting hung up on. An account was opened based on my XXXX and XXXX account, for Bank XXXXXXXX XXXX. It reads I have a {$230.00} balance on a card with a {$300.00} limit. I have no recollection of this account. It reads it is a Milestone MasterCard opened on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-26 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: TX

Complaint narrative:
After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am dissatisfied with Citibank 's handling of a routine transaction on my card. They blocked my card for potential FRAUD and, upon contacting them to resolve the issue, informed me that a code would be sent via mail, with a waiting period of 7-10 business days. This antiquated verification process seems overly cumbersome for a major institution like Citibank. Despite my request for alternative verification methods, such as a one-time passcode ( OTP ) sent to my registered phone number, providing my social security number, verifying my address, recalling a secret word, or detailing the last 3 transactions on my card, they declined to assist. I find myself stuck with a {$100.00} annual fee card that I can not use due to the unavailability of a code that will only arrive after 10 days, hindering my immediate card usage. I implore you to expedite the removal of the fraud alert from my account using an alternative and more efficient method.

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 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs Bank USA has reported to the credit companies a written off loan that was being paid. Goldman hired XXXX XXXX XXXX a debt collection company to sue me for the alleged debt. I am contesting everything in court and have not been found liable for this debt. I have tried to use Fair Credit Collecting Act rules to get info as well as Fair Debt Collection Practices Act rules to get information from Goldman as well as XXXX also State of Florida Debt collection laws but I've been told those consumer laws don't apply because Goldman is still the owner of the debt. I dispute that since Goldman hired a debt collector to represent them and collect on an alleged debt. I know that both Goldman and XXXX has to follow any and all collection acts and reporting acts but they aren't and misleading me and the court by claiming they aren't bound by these laws. If you look up any county court clerk records there are literally hundreds of Goldman Sachs Bank USA represented by XXXX suing consumers committing fraud against consumers violating these acts. How can a debt be reported on a credit report negatively if its been taken to court and not found guilty of owing the debt. That is a violation of due process as well as fraudulently reporting debt until its found owed by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: 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 XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-12-26 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: 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 XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
After reviewing my credit report, I noticed I have 4 late payments being reported by TD auto Finance. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during COVID 19, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation