vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 5 INQUIRES ARE UNATHORIZED. PLESE REMOVE ALL LISTED INQUIRES FROM CREDIT REPORT..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I recently reviewing my credit report and it shows {$240000.00} in student loans, which is more than double what I actually have. My loans were originally serviced by Nelnet, but as of XX/XX/XXXX, my loan servicer is now XXXX. Instead of the Nelnet loans showing up as transferred or closed, they showed up as open. I submitted a dispute on XXXX on XX/XX/XXXX and received an email that my dispute was resolved. It is not resolved. The Nelnet loans are still showing up on my report as open, but now they say Open/Never late. My loans need to say closed with a balance of {$0.00} since XXXX is now handling my student loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
I would like to update my previous address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I have been a customer with associated bank now for the fifth year I worked my hours with an employee and I cant get my direct deposit I called numerous times yesterday they didnt help me I even contact there corporate office and they directed me to a line I already called five times yesterday I cant feed my child as thats all I depend on my direct deposit I just want my monies the employee already showed proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 
15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Discrepancies in Reporting of Charged-Off Account on Credit Report RE : XXXX XXXX  XXXX Dear Synchrony Financial Bank, I hope this letter finds you well. I am writing to address certain discrepancies I've observed in the reporting of a charged-off account referenced above on my credit report. After reviewing the information outlined in the " Synchrony Credit Card Master Note Trust prospectus, '' specifically regarding the charging-off and subsequent sale of receivables, it appears there may be inaccuracies in the reporting for my specific account. 

As per the prospectus, accounts are charged off as aged credit losses after 180 days of being past due, and these charge-offs are executed on various cycle dates during each Monthly Period. The receivables are then sold, and the purchase price is determined based on the recoveries from previously charged-off accounts for the same Monthly Period. Subsequently, on the last day of the Monthly Period in which a receivable is charged off, it should no longer be shown as an amount payable on the trust 's records. 

However, my credit report continues to reflect a balance on the charged-off account, which appears inconsistent with the procedures outlined in the prospectus. I kindly request your assistance in investigating this matter and correcting any inaccuracies in the reporting of my charged-off account to align with the procedures detailed in the " Synchrony Credit Card Master Note Trust prospectus. '' This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! So it is crucial to ensure that my credit report accurately reflects the status of this charged-off account based on the prospectus guidelines. Please provide a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. 

Please be advised that a failure to resolve this matter promptly will be considered a breach of your 424B5 prospectus filing with the U.S. Securities and Exchange Commission ( SEC ) and a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and it will be reported. 

I expect a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. If additional information or documentation is required from my end, please let me know promptly. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy of credit reporting information. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: VA

Complaint narrative:
I recently reviewing my credit report and it shows {$240000.00} in XXXX loans, which is more than double what I actually have. My loans were originally serviced by XXXX, but as of XX/XX/XXXX, my loan servicer is now XXXX. Instead of the XXXX loans showing up as transferred or closed, they showed up as open. I submitted a dispute on Experian on XX/XX/XXXX and received an email that my dispute was resolved. It is not resolved. The XXXX loans are still showing up on my report as open, but now they say Open/Never late. My loans need to say closed with a balance of {$0.00} since XXXX is now handling my XXXX  loan balances.

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 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank for XXXX XXXX. This is the second time this has happened in the past several years. I have had this account for a long time. I use it and then pay it off. My balance is at XXXX. I repeat my balance its at XXXX!!! 

Up to a month later, they will charge a {$2.00} interest fee on a XXXX dollar balance! Then when you don't know you have a {$2.00} balance, they will charge you a {$2.00} late fee for not paying the {$2.00} interest fee. Now you owe {$4.00}. They will charge you another {$6.00} in interest. Then another {$2.00} in late fee. This goes on and on until it affects your credit and therefore your credit score drops. You look to see what causes it and you owe {$14.00}!?! from XXXX months ago when you paid the card off. I go to pay the balance and when I set the payment for the " due date '' it now says I owe {$16.00}. They are scamming people out of money and lowering my credit score!?! This needs to stop! 

When they did this XXXX years ago, they restored my money and fixed my credit but they never restored my credit limit. I had an {$800.00} credit limit and it's now {$150.00}. 

They will say there's an option to pay future interest as well but there isn't. There's a " save on interest if you can not pay in full. '' That's not the same and they know it. It's a way to trick people out of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IL

Complaint narrative:
On XX/XX/XXXX I called direct express to report fraudulent charges to my account. The total amount was {$400.00} and after around XXXX weeks I got the money back. I just noticed that on XX/XX/XXXX they had done a credit reversal taking the money back from my account. I had not received any reason as to why this happened before the money was taken back. I didn't make these charges on my card and would have no reason to lie about that just to get money. One of the charges appears to be from a XXXX XXXX who I don't know. Just wanted to know what to do about this and if I can get the money back. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was looking at my credit alerts and there was a large drop of XXXX points when I looked up the company and called they said they were a debt collector. I informed them I have not received anything in writing for them or have spoken to them on the phone. I have no way of validating their request and need something in writing from the company the representative was angry at my request and immediatley stated he will put refusal to pay and when is said thats not true Im requesting more information he hung up. I called back and asked to speak with a supervisor who was also very rude and stated they do not have to send me anything in writing or speak to me on the phone and they will continue there debt collection process unless I give her my credit card information now. I was advised not to give credit card information without anything in writing and I was told I needed to speak to them before they went against my credit. They stated that I owed XXXX dollars this is under XXXX dollars yet theres lack of communication and refusal to validate anything has hurt my credit XXXX points

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 2024-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This debt collector acquired my nonpublic private information without any consent which constitutes XXXX XXXX. Its a violation of my privacy pursuant to the privacy act of 1974. An unlawful transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
XXXX XXXX, 2023 I received a notice from Wells Fargo. An unauthorized XXXX XXXX program was added to my account. The letter asked me to call and file a complaint if I didnt sign up. I called mid XXXX and was told I would receive a low payout ( that I didnt agree to ). I agreed to the maximum payout because of the fraud. I was then told that I would need to appeal it if I didnt agree to the said amount. Please help escalate this. 


Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : 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 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DriveTime
State: CA

Complaint narrative:
The car was a lemon I took took it to XXXX a couple of time for problems offer problems the last time the cast was about {$12000.00}. XXXX and the car was not a year which was about {$40.00}. If I go the whole years to pay off I told then y will I put {$12.00}. In a lemon and the warranty that I pay for from them will not cover nothing so I surrender the car and after that they never contact me again I try to call the warranty company the car dealership but the give me the run around hung up I call back no one answered now the send {$12.00}. To collections witch I think they should give me all my money I put in the car maintenance wise and paying towards the loan on a LEMON.. ( ( DRIVETIME ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Bank closed my checking account without any advance notice. I called them and they said it was due to inactivity. However, I had just transferred funds to the account and now those funds are locked up until the bank can return them. 

I asked why they closed my account without notice and they said they made a mistake. They refused to reinstate the account Since they closed the account I haver no access to the account number now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I disputed a charge in XXXX and here we are in XXXX with no resolution. They closed the initial dispute I opened thru the app without contacting me because it was evidently not the correct type to file in the app. I called up customer service they fixed the error and opened a new dispute. They asked me to provide all the details in an email which I did. They then closed that dispute because I didn't fill out certain paperwork which they never sent. 

Finally in the start of XXXX they opened a third dispute on this case. They realized their error and claimed this would be " expedited. '' It's now a month later and they won't even reply to secure emails. Seeing as they have strung me along for months now and won't even respond I have no choice but to seek outside help. This is the worst bank I've ever dealt with by far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This debt collector acquired my nonpublic private information without any consent which constitutes identity theft. Its a violation of my privacy pursuant to the privacy act of XXXX. An unlawful transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
The car was a lemon I took took it to XXXX a couple of time for problems offer problems the last time the cast was about {$12000.00}. Plus and the car was not a year which was about {$40.00}. If I go the whole years to pay off I told then y will I put {$12.00}. In a lemon and the warranty that I pay for from them will not cover nothing so I surrender the car and after that they never contact me again I try to call the warranty company the car dealership but the give me the run around hung up I call back no one answered now the send {$12.00}. To collections witch I think they should give me all my money I put in the car maintenance wise and paying towards the loan on a LEMON.. ( ( XXXX ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Reliance Holdings LLC
State: SC

Complaint narrative:
This bank provided my nonpublic private information to non affiliated third parties even though their terms and conditions agreed to not do so. This is in violation of the privacy act of XXXX. It is now charged off. A charge off according to the IRS publications is a certificate of indentures which is now considered income & cant be reported.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-03 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: NJ

Complaint narrative:
I have disputed XXXX XXXX dealer service, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX account on my experian credit report 3 times in the last 3 month. the XXXX XXXX account was opened by someone with the same name. the XXXX XXXX XXXX  account is not mine and has a fraudulent account attached to it. the XXXX XXXX XXXX account shows latenesses the are not correct and should be deleted,.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX AccountXXXX  Date of first delinquency shows XX/XX/XXXXXXXX  and date of major delinquency first reported shows XX/XX/XXXX. Date of last payment shows XX/XX/XXXX. 

I informed Equifax this information was inaccurate as the auto was voluntarily surrendered in XX/XX/XXXX. I did not make any payment in XXXX  as the auto was no longer in my possession. This item has been reported incorrectly in an effort to remain on my credit report.

Company response to consumer: Closed with non-monetary relief