vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
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 non-monetary relief
Consumer complaint received 2024-01-11 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: Nelnet, Inc.
State: MA

Complaint narrative:
Company incorrectly reported account 30 days past due in XX/XX/2023. My account was in forbearance. I submitted a request for correction along with proof my account was in forbearance, and the little snakes are claiming it was past due. Another agent I spoke with said it didn't matter, once they make a report they won't correct it, even though my account wasn't past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent {$6.00} ( equivalent of XXXX XXXX  XXXX ) but the recipient did not receive the money, and even today ( XX/XX/XXXX ) the transaction still says " Processing ''. I have not received resolution from Sendwave customer service despite calling and enquiring about this transfer. 

XXXX XXXX XXXX XXXX, Sent XX/XX/XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CT

Complaint narrative:
Lvnv funding has got a debt from a credit card company that was obtain threw identity theft. I now have a credit lock on my account so this never happens again. I have tried to dispute this several time and ask that I be sent the original contract with my signature which I still have not received. I never opened this account or agreed to pay this debt to XXXX XXXX XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
I

n 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. 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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
At the beginning of XXXX ( during the pandemic ) I needed an emergency dental procedure and was encouraged by my dentist office to sign up for an interest free credit card program for low income patients called XXXX  XXXX. Upon doing so, I agreed to make an interest free automatic monthly payment from that day forward, in order to pay for the {$1800.00} procedure, and I have held up my end of the agreement. It has now been three years of these " interest free '' automatic monthly payments which by my calculations totals {$2000.00}. This amount exceeds the original amount owed. When I tried to reach someone to speak with, the person on the phone was difficult to understand due to a language barrier, and she was unable to see anything prior to this years billing statement. Upon requesting to speak to someone else regarding the matter, she would not transfer me to someone else who could possibly help me. I called numerous times and ran into the same obstacle by phone. When I looked at my online statement, I noticed that in previous months, my monthly automatic payments had fluctuated to higher amounts sometimes without my knowledge or consent. Most alarming, was that the current billing statement indicates that I have only paid {$400.00} of the original {$1800.00}. In reading through the recent statement, I noticed there have been new agreements made regarding the original contract, without my consent ( signature ), nor was I made aware of these changes. I have never signed a new agreement nor was I informed of one. As of XX/XX/XXXX, my payments have exceeded the original amount owed and I can not afford to continue to make payments on what appears to be a new amount owed, for a bill that is three times higher than the original amount owed. I was advised to write a letter to the company ( Disputes division ) and so I did. I am still waiting to hear back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid {$200.00} less on XX/XX/2022 statement. I was charged interest of {$58.00} due to this underpayment. I object and dispute this finance charge. I also understand that this unreasonable interest charge calculation method may have been on the terms in small prints when we signed the credit card agreement. I spoke with XXXX  ID # XXXX. She made me understand that this charge will not be waived and will continue to accrue finance charges until my account is paid in full. This is not right, and I need to know how they arrived at this amount. Interest can be calculated only on the amount owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I reviewed my credit report and saw that Berlin Wheeler placed a collection account on all three reports. They are claiming I owe XXXX XXXX for an account. I am currently a XXXX XXXX customer and my account is current. I filed a complaint with XXXX and Berlin Wheeler admitted that they were violating FDCPA and FCRA laws by not sending me an initial letter or allowing me to dispute their claims prior to submittal to the credit bureaus. Berlin Wheeler is also violating the automatic stay that is in placed by the XXXX XXXX XXXXXXXX. Berlin Wheeler is asking for over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: VA

Complaint narrative:
Before the forebearance, each additional payment put toward a loan had the option to not advance the due date. Now, that option is not available when making an extra payment. Now, theres a separate area of the website you have to navigate to in order to select the option to not advance payments. 

The problem is, when I try to select the box to not advance my payments, I get an error message saying, Sorry, theres been a problem and it is unable to process my request. I have tried refreshing, logging out and back in, and using different devices and it says the same thing every time. I have tried on multiple different occasions over 4 weeks and the same issue arises every time. 

I called customer service to have them help with the issue, and I was told they would submit a form but they would not be able to address the issue for 6+ weeks. Meanwhile, interest accrues daily. When asked if I would be made whole in regard to the interest, I was told no. 

I am filing this complaint because I have exhausted all other avenues for a satisfactory resolution. Nelnets actions here are at best unprofessional, at worst predatory, and overall unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Grow Credit Inc
State: MO

Complaint narrative:
Dear Sir/Maam I am writing to formally request the removal of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

*Grow Credit IncXXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TN

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2024, I made a monthly payment on my US Bank credit card account. I didn't include the statement with the payment because the statement was stolen out of my apartment, but I did include the account number on the money order I provided for the payment ; now their saying that they haven't received my payment. I pay this way ( by money order ) once a month and never have a problem making the payment on ( account number XXXX ). Can you please help me?

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 2024-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX BANK XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

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 2024-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, convergent account XXXXXXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2024-01-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I sent the attached dispute to Equifax XXXX and they have yet to investigate. On XXXX I sent the attached response to their stall letter. It is now past the well 30 days allowed from my initial dispute sent XXXX. I have also found out that I was apart of Equifax data breach and they are doing nothing about it. 

Equifax is not complying with the regulations of the FCRA and many other federal laws. Can the CFPB investigate this? Imaging how many other people they are affecting this way. This is unfair treatment to consumers and should not be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Disappointed in card practices. This is 2nd time Dillards has done this. 1st time I had fraudulent charges and closed the account. Then, I was caring for my mother in Kentucky who I just put in a XXXX XXXX  and bought her new sweaters and opened up a new account with Dillards since I will be up there more.. I set up the payment on XX/XX/ with my bank XXXX XXXX with a due date of XX/XX/. Dillards claims it was not received until XX/XX/23. My banks and documents I sent show Dillards recd it on XX/XX/ not XXXX like they said. They are liars and will do anything to charge a fee. I paid it in fear they will just keep adding fees even if I challenge it and requested the account be closed. Now they will not close the account or place in writing they will. My payment confirmation # is XXXX. This is horrible way to treat customers and I expect my money reimbursed because XXXX said I had to pay it then make complaint but they will not close the account. I dont know what to do but someone should know this is the treatment people get with this entity. Its sad cause Dillards is one of my favorite stores.

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 2024-01-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Lewis, McDonnell & Associates
State: NC

Complaint narrative:
My family as well as myself is being harassed by a company claiming to be a debt collector. They are claiming to be at my house with lawsuit papers. Claiming to have sent several items to me and havent received anything. They are telling my family all of this as well. The company is XXXX XXXX XXXX XXXX. They are claiming I owe an astronomical amount of money for a bill I did not pay. I called and requested documentation on the money they claim I owe and havent received anything. Very aggressive on the phone. Telling me they are suing me one minute and going to help me the next. All while I am repeatedly asking for proof of this debt I do not know about.

Company response to consumer: Closed with explanation