vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IA

Complaint narrative:
My XXXX state tax return for {$220.00} was supposed to be put into my US Bank account through direct deposit. There was a tech error in my account number leading to the wrong account number being sent my deposit. US Bank did not check the name on the deposit to make sure it matched the account number. The bank accepted the funds and put them in someone else 's account. The first I contacted US Bank back in the summer of XXXX, they told me they could not locate the funds and that it must be an error on the State of Iowa 's side. After waiting months to get help from the State of Iowa 's accounting department, Iowa 's bank ( XXXX XXXX XXXX had transaction proof of US Bank accepting the money and provided me with a transaction ID and sent multiple letters to US Bank requesting the funds be returned. US Bank has ignored every letter and most recently said they have 90 days to respond anyway... I called US Bank customer service in XXXX XXXX XXXX. I ended up getting to the claims department. They sent me a claims form to fill out. Within a day, I got a letter in the mail that my claim had been closed because they did not find the funds in my account. That is the problem! Of course they didn't find them. I, then, contacted my local US Bank branch on XXXX and talked with XXXX XXXX. She did some looking into my incident on XXXX and said they did find the funds in another person 's account//the incorrect account number! She said they were going to reach out and try to get the person to return the funds. I asked what if they refuse or do not get in contact with them. She would not tell me the next steps or a solution to that even though they had already tried to call that person once with no answer. It is now XXXX and I have not heard back from US Bank.

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 2024-04-24 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: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank offered me loan it called Citi XXXX XXXX from my credit card. XXXX XXXX XXXX {$11000.00} Payment Plan 60 monthly payments of {$240.00} I took this loan in XXXX. I made payment on XXXX and this month ( XXXX ) before the due dates. I saw interest got charged on XX/XX/XXXX {$100.00} and XX/XX/XXXX {$100.00} I called Citibank i told XXXX this issue She told me every month will be charged interest extra. I told her already 60 months paying {$240.00} interest included inside this payment. I took a lot of loans before from different companies I never see anything like this. I want CFPB to investigate and check this loan account and I want bank to not charging me extra interest charges other than my monthly payment. I took screenshots too of plan and those interest charges. 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-24 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I pulled my Consumer reports from XXXX, XXXX & XXXX and I notice you have furnished an account there as a charge off/Collection since 2021.

An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer! How can you collect on a canceled debt?

Wells Fargo have furnished this account as a charge off/collections and they are in violation of the Fair Credit Reporting Act 15 USC 1681 .

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, credit standing, credit capacity, character, and general reputation.

Wells Fargo Dealer Services, are a furnisher of information they are prohibited by law from reporting inaccurate information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

15 USC 1681s-2 ( B ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

I am not asking for verification or validation of this account.

The only response to this letter is the Deletion of the inaccurate information being furnished.

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 2024-04-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-24 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On or about XXXX XX/XX/XXXX of XXXX  I received a call from someone prep reporting to be from Goldman Sachs/Apple Card . During the course of the call, I had a bad feeling about it. I told the person I was hanging up. And dead. I called Goldman Sachs spoke with a young man by the name of XXXX told me that I had fraud in three instances on my card one was for XXXX XXXX XXXX  in the XXXX XXXX. One was for a laptop in XXXX, New York and the third was an Apple Store. During the discussion, XXXX told me that these were obviously fraud as I live in XXXX, California, I own an apple laptop and desktop and many other Apple products. Apple/Goldman Sachs gave me a temporary credit on the card for {$1700.00} and change. Several months later that was reversed with no explanation. I called back again spoke with a young lady by the name of XXXX. Who issued another credit then several months later, the charge appeared again. I called back again, spoke with a young lady by the name of XXXX, who explained to me that they had proof that I had purchased the laptop. I escalated this to a supervisor who told me I had to wait. I asked about being told that they had proof that I had purchased it. It was never provided. I have remained calm through this whole process, but I am beginning to lose my patience with this. I find it ridiculous that a company decides of Goldman Sachs should be protecting the consumer is doing exactly the opposite. If someone could please get back to me and let me know how to proceed. I would greatly appreciate any help that you could provide. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report.

Please find the details of the disputed account below : XXXX  Account Number : XXXX High Balance : {$4900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection ; Dispute resolved; customer disagrees Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was paid and closed, as evidenced by the {$0.00} balance owed and the " Paid '' account rating. Therefore, I request that this inaccurate and derogatory information be removed from my credit report.

Additionally, as per the FCRA, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information. If you are unable to provide sufficient evidence to verify the accuracy of this account, I demand that it be promptly deleted from my credit report. 

I expect a prompt response to this dispute within XXXX  days from the date of this letter, as required by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of 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 2024-04-24 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: TX

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with 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 non-monetary relief
Consumer complaint received 2024-04-24 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:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: IL

Complaint narrative:
I am unable to afford the monthly payments under my current income based repayment plan, so I have tried several times to submit the form on Mohela 's site to change my plan to the standard repayment plan. For any of my attempts I did not receive any update at all on the status of my requests. The only communication I receive from Mohela is that my account is now delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had contacted Midland Credit Management to provide proof of the alleged debt and they did not send it to me at my residential address in XXXX. I am an expat and want proof of the debt and they never provided it after multiple attempts to retrieve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: OK

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-24 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: OK

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I was actually XXXX XXXX XXXX XXXX i was not a XXXX  at the time. 
I have been charged interest since 2012 to spite being " permanently and irreversibly '' XXXX and verified Social Security numerous times. 
My BPQY report, which the SSA sent directly to the US Department of Education demonstrated next recertification date of XXXX. 
The law states any condition lasting, or expected to last more than XXXX  months. I have been on XXXX for XXXX  months. So a doctor said this is going to last more than XXXX  months, more than XXXX  months ago. And not again for much greater than XXXX  months. 
XXXX XXXX and the Office of Civil Rights confirm that the law and Constitution have no place here. I had to create XXXX to combat the widespread pattern of abuses and misconduct so prevalent in Oregon today.

Company response to consumer: Closed with explanation