vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX was hard on me I also went through a bad hard ship and some identity fraud against me and my personal credit and banks got hit also I had one company that failed due to excessive fraud against me and my buisness I need the help because I dont recognized any of this stuff on my. Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/, at approximately XXXX XXXX I sent a payment to an individual named XXXX XXXX thru XXXX for the amount of {$670.00}. He said the payment was complete and would send merchandise out. I sent him a message the following day, he responded. The following days he did not respond, I could see he had received and read the message from the identifier on the XXXX XXXX. 
I filed a dispute on the charge and explained what happened to Bank of America. They send me a letter said it was not approved.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I believe this account is a fraud XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I believe this account is a fraud XXXX XXXX XXXX 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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Calling me repeatedly early in the morning or late evening. 
I do not know why they are calling me. 
Attempts to collect debt not owed by 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 2024-01-24 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts issue. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$4.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$440.00} XXXX XXXX  Opened XXXX XXXX XXXX Balance {$16000.00}.

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 non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
My Nelnet XXXX loan payment has been on auto-pay for years. I have received a XXXX  % discount for paying via auto-pay and a XXXX  % discount for on-time payments for years. 

In XX/XX/XXXX, I updated my auto-pay banking information because I changed to a new bank. I have never received any notice that my auto-payments would be disrupted in any way due to the change in my banking information. 

My student loan auto-payment was not drafted in XX/XX/XXXX. I did not receive any notification that my account was not paid or past due. In XX/XX/XXXX, I checked my account and noticed it was past due which surprised me because my account has been on auto-pay for years. I paid the past due amount and inquired what happened. At this time, I also noticed that my discounts had been disqualified. 

The XXXX % discount for auto-pay was reinstated but my XXXX  % discount was not due to the missed XX/XX/XXXX payment. The payment was missed because Nelnet did not draft the payment via my auto-pay, not because I neglected to pay my balance. I called Nelnet customer service on XX/XX/XXXX to issue a complaint to get the XXXX  % reinstated given that my account is on auto-pay. I was told during this call that my issue would be escalated to management and a manager would call me back. On XX/XX/XXXX, I called Nelnet customer service to follow up on the matter given that I had not received a call from management. During the XX/XX/XXXX call, the representative said that the customer service representative that I spoke to on XX/XX/XXXX gave me the wrong information. The new representative said that an incentive request form would need to be filed on my behalf and that I would receive a decision in XXXX business days. I called in XX/XX/XXXX and was told by a representative that an incentive form could not be found related to my matter. I was on the phone for over an hour with no resolve. It's been several weeks and I haven't been provided any decision nor do I have any confirmation that an incentive form has been filed to remedy the issue. I am put on hold for hours when I call Nelnet with no resolution. I believe they are giving me the run around so they can deny my incentive to force me to pay them more in interest and fees for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AR

Complaint narrative:
I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Opened XXXX XXXX XXXX Balance {$640.00}.

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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/2023. XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. XXXX XXXX ( XX/XX/2023 a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/2023 ). XXXXXXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/2023. XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX  on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX of XXXX on XX/XX/2023. XXXX XXXX ( XX/XX/2023 a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/2023 ). XXXXXXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: NC

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 this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I believe this account is a fraud JXXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-01-24 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: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Breach of peace in repossession. Personal property was confiscated on the scene against my protest Police should have stopped the improper actions of the repo agent. XXXX XXXX had only a unofficial, questionable computer " order '' on a tablet Went to retrieve items after and was denied access

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

I first noticed the late open accounts issue. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report.
If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$10.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
account is close, then its open reported on my credit, info is not correctstole my info and trying to collect for me with out my concent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Sending harassing letters and calling over the phone early morning and late evening

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I placed an order for {$190.00} for boots from a company that advertised on XXXX. I could tell that it was not legitimate as soon as they sent the confirmation number. I emailed the company and asked for a refund. I went back and forth with them for a while and they eventually sent me tracking information and said that I need to contact the post office if I didn't receive my goods. I went to the website they gave me and looked up the tracking number and it says that the package was returned to sender. I disputed the charge with cashapp and provided evidence that I got scammed but they denied my dispute claiming that the company fulfilled their duties. I asked for the documents that they used to come to that conclusion multiple times and was ignored every time. I called customer support and was told that they weren't allowed to tell me anything and that those were orders from someone higher up. I asked them to transfer me to their supervisor and again, they said they weren't allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I believe this account is a fraud. Please see attached XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AR

Complaint narrative:
I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness.

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report.

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience.

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue.

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities.

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$640.00}.

Company response to consumer: Closed with explanation