vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
on XX/XX/ I was scammed by a caller, he took control of my phone and moved my money around and out of several of my accounts. My husband, my daughter, and my account. while contacting NCSECU that evening they pulled up my account and said the scammer was doing the activity. My hubby had SECU on the line and I had the scammer on the line ( thinking at the time that it was ( XXXX XXXX ) He moved money from one account to another account to XXXX XXXX to XXXX to XXXX account. So all together I lost roughly XXXX XXXX XXXX did their investigation and found that it was a fraud and gave me the man 's IP address ( I told my band about it and the only thing that said was " Why didn't XXXX XXXX give you the money since they found the IP address ) I told them that XXXX XXXX stated that " the money was in my bank that is ensured and the scammer took money out and move it through cash app, XXXX XXXX and XXXX. XXXX for NCSECU did not care. This is our hard-earned money. NCSECU did tell me to try to get the cash from XXXX and XXXX. XXXX did their own investigation, which I have only been with for maybe 6 months ) and decided in my favor and XXXX was returned to my account in 2 days. NCSECU is trying to take credit for the money returned to me and I did the work for that. ( so appalling and sickening ) this has been a nightmare for me and my family, I just want my hard-earned money back, please. I feel NCSECU did not do enough to help. I have been with the credit union for 25 years and this is how a member that they say they care about is treated. Please check into this matter. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-27 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: ME

Complaint narrative:
NelNet debited three payments from my checking account without my authorization. The payments totaled over {$1000.00}. I did not authorize automatic debits from my checking account. I now can not pay my rent or car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I initially contacted Equifax about on XX/XX/XXXX. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. I would like to provide the following details regarding the incorrect information and request the necessary corrections : The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$10000.00} ) does not belong to me. I kindly request the immediate removal of this account from my credit report. 


The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXXXXXX XXXX XXXX {$2000.00} ) was never late. I request that this inaccurate information be corrected and updated on my credit report. 


The account under the name " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$520.00} ) was never late. I request that this inaccurate information be corrected and updated on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My score dropped on XX/XX/XXXX, XXXX immediately i logged into the app to check why. The reason that came up showed. 
" The average age of your accounts decreased The average age of your accounts used to be XXXX  years XXXX  months-now it's 5 years. This can happen when you open a new account or when a closed account ages off your report. " The problem with this message is. I don't have any recent new account that has been open or reported. Nor do I have any closed accounts that's been reported by Experian. So them dropping my score XXXX points with no sufficient proof should be illegal to me or any consumer. 
Also, they need to show consumer some type of scoring model they use so we are aware of what our scores should be when we make on time payments on our accounts. I've made payments to all of my accounts. And only received an increase of XXXX or XXXX points each months for the last 5 months. 
XXXX point increase - XX/XX/2023 XXXX point increase - XX/XX/2023 XXXX point increase - XX/XX/2023 XXXX point increase - XX/XX/2023 XXXX point increase - XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a check from a credit union, not a personal check, which ended up being a fraudulent check. It was deposited and funds were made available. 2 days later my account was frozen on XX/XX/. I also received an email that says my account is on hold until activity can be verified. I called and left a message as instructed and did not get a call back. 

On XXXX  I called several times was able to speak with someone who says the bank will end its relationship because I used funds from the check that was eventually returned. It feels I am being punished because I was a victim of a scam, this is very unfair, inconvenient and causing issues with me paying bills and potentially negatively affecting my credit as there is no definitive timeline in when Ill receive positive funds from my work direct deposit -the representative says 7-10 business days but they are dependent on people so it could vary. If I did not call again, I would have never received a clear resolution. 

In our world of sophisticated scammers and advanced hacking it feels discriminatory to end the banking relationship because a check that appeared very real was not. 

It is the banks responsibility to verify the validity of checks with technology that as a consumer I do not have access to prior to releasing funds. 

This is not a check I created. I simply was fooled by scammers. 

Additionally I was advised to destroy the check which could help demonstrate why I thought this was a real check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an email on XX/XX/XXXX  from my long-time credit card provider Citi. The details therein suggested : Now you can see the merchants and wallets who have your card information saved on file via the XXXX XXXX XXXX on Citi Online in addition to the Citi Mobile App*. Further, Have you recently closed a card or received a replacement card? Youll see the merchants/wallets where your new card information was updated automatically, plus where youll need to update the information manually. 
While I was initially excited about this new feature, once I checked my account, I was upset to find that Citi, if the email is correct, had potentially updated my replaced or otherwise new credit card number ( s ) to merchants that I have not done business with for many many years ; this practice seems completely negligent on their part, considering they have the details to know that I have not paid for service with near half the companies listed, again, for many years! 
How is it that they should not give the customer an option to automatically update credit card details with a specific merchant ; anything less and Citi is unnecessarily putting customers at financial risk?

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 2023-10-27 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: WA

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit scorXXXX. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-27 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: EdFinancial Services
State: VA

Complaint narrative:
My student loan servicer is Edfinancial. I recently XXXX in XX/XX/XXXX. I have a grace period of 6 months before paying on my student loans, however Edfinancial has been billing me since XXXX. I emailed them immediately when I received the first bill to express that they have made an error. I did not get any response back at all. Then today I woke up to another bill for the month of XXXX. I logged into my Edfinancial account only to see that they say I now have 2 months of student loan payments due and that I am late on XXXX payment. I am not due to owe them anything until XXXX. In my Studentloan.gov account it clearly states the day I will begin payments in XX/XX/XXXX not XX/XX/XXXX. I emailed them again this morning, and I called them right at XXXX. After inputting all my personal identifiable information on the phone one of the representatives answers the phone and immediately hangs up on me before I can even talk to them. I said " hello '' and they hung up. I immediately called back and was told I had approximately a " 1 min '' wait time and I waited for over 15 minutes before just giving the machine permission to call me back when an agent is available. The machine said it make take 24hrs even though the wait time was supposedly 1min. I am terrified that they have reported my " late '' payment to the credit bureau because I am absolutely NOT late and this can easily bar me from obtaining XXXX employment. I was very proactive, and I have been completely disregarded and harmed by EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX XXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX  XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

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 2023-10-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My debit card information was stolen and used in 4 different unauthorized transactions totaling {$8100.00}. I immediately called Wells Fargo to dispute the charges and was told the investigation would take 10 business days to complete. After waiting to hear from Wells Fargo with no update I called and was informed my fraud claim was denied and I was responsible for the charges. I then went and filed a police report with the City of XXXX in South Carolina. Case number is XXXX. I then went to my the local branch where I was informed that Wells Fargo would not reopen the investigation with no clear reason given why and that my only avenue would be to file a complaint. I never received fraud alerts on these amounts for approval. I called one of the websites that was used to steal my money and they informed me that they had already closed the account that was used in the transaction due to fraud and to have my bank contact them to resolve the issue and Wells Fargo refuses to do their part, after having an investigation open into my account for 10 business days they never even contacted the locations that were used to make these fraudulent transactions and basically told me that its my fault that someone stole my money out of my account and they will not do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The account listed below Westlake portfolio XXXX XXXX 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 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. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

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