vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I am one of the many that has been working hard to free themselves of the student loan burden. I finally reached that milestone - at least I thought I did. I paid the remaining balance in full ( {$19000.00} ) on XX/XX/XXXX. However, my credit reports are showing that I still owe that amount to XXXX XXXX XXXX, whom transfered the loan to XXXX XXXX ( see below ) XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ), the lender of your Private Education loan ( s ) ( XXXX, XXXX, and/or XXXX XXXX  ) and doing business as XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  XXXX ), will soon transfer the servicing of your Private Education XXXX XXXX XXXX ) from XXXX XXXX XXXX to XXXX XXXX ( a division of Nelnet Servicing , LLC ), NMLS ID # XXXX. The effective date of your loan transfer will be XX/XX/XXXX, which means that after this date XXXX XXXX will be handling all servicing activities for your Private Education loan ( s ), including payments, inquiries, and credit reporting I contacted both companies and could not get either to help resolve this issue. I should be free of any obligations to either these companies, however, I am on back and forth phone calls on who is responsible for resolving this. Please help me with this situation I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for XXXX to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.

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 2024-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for XXXX to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My vehicle was finance with Wells Fargo. A year and XXXX into my auto loan Wells Fargo called me and stated because of my timely payments They would like to offer me a {$5000.00} dollar personal loan. I did except the Loan not knowing that they would put a Loan on top of a Loan. After 5 years of paying my auto Loan I was told I had another 2 years into paying my Auto Loan off which the {$5000.00} added on to my original Loan. Wells Fargo Repossessed my vehicle and told me I owed them {$12000.00}.

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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This is a debt collector. Once this debt was collected, it is no longer my responsibility. I do not have an agreement with LVNV Funding, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit card from Chase offers a pay over time feature called " My Chase Plan '' for certain large purchases. However, the advertising/offer for this service is deceptive. The " Payment plan options '' screen lists several different term options, and each says ( for example ) " This amount includes a monthly fee of {$43.00} with no interest ''. However, given that this " fee '' varies by term and amount, it clearly *is* " interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They was a credit card in my name and I have no idea where it cant from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I tried reaching out to Aidvantage today XX/XX/XXXX and after entering the last four of my Social Security number as prompted, the messaging received was that the office was closed. Their hours on the document provided shows they close at XXXX PST and XXXX EST. This shows that Aidvantage wasn't closed, and that is dishonest, the system still does not recognize my information as of XX/XX/XXXX. To this date I have not received any correspondences via mail or email other than payment reminders via email. Additionally, I'm also providing the sign-in from the website as it would not let me login as it did not recognize my information. 
Also, I have a case with the federal student aid, and I communicated with them today as the case is still open. 
The number listed below is the same number on Aidvantage 's website and confirmed accurate by Federal student aid. 
Nevertheless, Aidvantage lied to the XXXX State Attorney General 's Office by stating I logged into the system XX/XX/XXXX, however no definitive date was given as XXXX was still the loan servicer until the end of XXXX. The welcome email from Aidvantage shows XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit 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: CIBC BANCORP USA INC.

Complaint narrative:
Hello my wallet was stolen from my locker & my credit card was used I immediately called my bank ( CIBC ) & was told this would be investigated they called XXXX week later saying the unauthorized transaction was being denied because the Pin was used this transaction was done apparently at XXXX XXXX for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery is attempting to collect a debt I received a collection notification from this company in regards to doing business with XXXX XXXX XXXX the amount of {$1500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

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 2024-02-01 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them. 

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

Inaccurate accounts listed : XXXX Portfolio RC Account Number : XXXX XXXX : Portfolio Recovery A Account Number : XXXX XXXX : PORTFOLIO RECOV ASSOC Account Number : XXXX 15 USC 1681 , section 602 A. States I have the right to privacy.

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

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is inaccurate.

As you can see theres several inaccuracies circling throughout all 3 bureaus. According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Clearly this law was not followed through, if I am seeing inaccurate information on my credit report in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account Number XXXX - XXXX XXXX and Account Number XXXX - XXXX along with Experian Credit Agency 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 602 A Section 2, It also states a consumer reporting agency can not furnish an 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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Sayer Law Group, P.C.
State: NY

Complaint narrative:
On XX/XX/ I received mail from Sayer Law Group, PC a debt collector stating I owe a debt ( account number XXXX ) which is a violation under 15 USC 1692b ( 2 ). Sayer Law Group, PC is in violation 15 USC 1681 ( b ) infringing on my rights to privacy. Sayer Law Group, PC is in violation 15 USC 1692e ( 10 ) by using false representation and deceptive means to coerce payment of alleged debt. Sayer Law Group, PC use profane and obscene language stating the word owe and stating the word debt, which is a violation under 15 USC 1692d ( 2 ). Sayer Law Group, PC is in violation by using deceptive forms 15 USC 1692j to collect alleged debt. Sayer Law Group, PC is in violation of 15 USC 1692f ( 8 ) by using symbol on envelope by their address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IN

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you provide me with the following information : I have no record of entering into any contractual agreement with your agency. As such, please provide a copy of the original, signed contract or agreement that establishes my obligation to pay your company this debt you brought, not my personal information. I remind you that under the FDCPA, you are obligated to cease collection activities and reporting anything on my credit files until you have provided the requested verification of the debt. Failure to comply with this request within 14 days of receiving this response will be considered a violation of the FDCPA. I will use all remedies available to file a federal lawsuit against your company. Stop sending the same letter to the CFPB!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: OH

Complaint narrative:
I would like to have these 20 hard inquiries removed, that i did not authorize!

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 2024-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
oportun states that loan # XXXX was never fully paid off and that i owe {$150.00} it appears on my credit report twice. This amount was paid off on XX/XX/year>. Also its on my credit report for more then XXXX  years. I have a recept from in store payment that was done. If this loan was never paid off they would of never granted me another loan after and i did receive XXXX because i was in good standing on previous loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: CO

Complaint narrative:
We were gifted an Amex prepaid gift card with {$400.00} on it from my father in law. We can not use the card anywhere. My husband and I have tried almost every well known online platform ( XXXX, XXXX XXXX, XXXX app, XXXX, etc. ) and it will not work anywhere. There is no address or zip associated with the card. I tried everything. Weve also now tried to use in stores several times. 

I called the number on the card on XX/XX/year> and asked if they can add a billing address for the card, or how/where to use it. They basically only responded with keep trying at different stores. 

Im incredibly frustrated with this process and it feels like a scam. We are able to see the {$400.00} balance on the card but can not use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, an individual sent a payment to my PayPal debit account, which has a checking number and debit card. I was unable to accept the payment, and PayPal notes the account must be verified. 

I then made countless calls to PayPal customer service over the weeks, only for them to say every time that 'there is a block we can not lift and you must wait 48 hours to link a bank, also don't use the service. ' As of XX/XX/XXXX, the payment is marked as returned by PayPal because they state the account wasn't verified. They prohibited me from verifying my account to accept the money into my account.

Company response to consumer: Closed with non-monetary relief