vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question XXXX XXXXXXXX has been causing me significant stress and XXXX as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question XXXX XXXXXXXX has been causing me significant stress and XXXX as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sklar Law LLC
State: NJ

Complaint narrative:
Hi my Name is XXXX XXXX I XXXX  from XXXX XXXX in XXXX with a XXXX XXXX in XXXX. I never received my XXXX  neither my transcript from the XXXX. Additionally, I took only two student loans for XXXX  when I was going there, but they sent me a collection letter for XXXX XXXX, when I last spoke to them I was going through some rough times, I was sleeping in a car and all, I asked them for a little patience. I just started on a new job only making the minimum amount and still have to pay for everything. I never said that I would not pay but they charged me more, and added another loan for XXXX which I never applied for in the first place. I need a little bit more time to get things together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax wants me to join do they can correct a bad information on a account that was close and the company continue to charged me month to month what I have another carrier give me the XXXX XXXX  I need. Equifax says they have no bad reports but in my credit is still there. This company wants to charged to join ( Equifax ) if not they say there are not responsible of what happened to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian digital checking account My debit card for my Experian account got hacked so we canceled the card requested a new card and I changed my phone number and email address for XXXX XXXX After trying to change the information on the Mobile app, which will not let you change both obviously because of security reasons I contacted experience department they said they would take care of it and it would take a couple days After four days, it had not been changed. I called back and I was told the person filled out the paperwork wrong, and the young lady supposedly corrected it and resubmitted. The paperwork said it would take a couple days again after four days it still had not been changed then I was informed that I needed to Fax my drivers license my Social Security card, a current bill and a copy of consumer cellular which I included login and password so they could verify the number is mine and the email is mine. It has been eight phone calls since then still nothing has been done. I have no access to my account I have no way of paying my rent. I have no way of getting gas or groceries and I keep getting the runaround every time someone tries to help they keep saying the person before them did the paperwork wrong when I do get someone that sounds like they know what theyre talking about. They put me on hold, and then the phone disconnects me and goes to the survey of my service. They say they have no supervisor they can transfer me to they keep telling me theyre unable to change it themselves and my frustration is extreme at this point that they have no way, or wont give me extensions or names of people that could help or the person that Im talking to just like theyre hiding from the issue. One person just laid the phone down as I was trying to explain to them what was happening I gave them my last two deposits, dates and amounts. I asked them to just transfer the money back to my checking account, but all I get is excuses why they cant do that I did finally get a new debit card which will allow me to buy little stuff but I have no access to cash. They obviously wont give me a pin number which is ridiculous to withdraw cash. My rent is due today, after Monday they will be a {$75.00} charge late charge XXXX dollars a day until I get them paid Im already late on three bills which will affect my credit rating and I dont know what to do with this point they are holding my money hostage. Please help.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 the 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I only recently learned of a negative item on my credit report due to Colorado 's Consumer Credit Reporting Act. Only one agency has notified me in compliance with the law and that is XXXX. I have heard nothing from XXXX nor TransUnion.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I applied for the SAVE program on XX/XX/XXXX, my loan servicer is Nelnet. I have struggled to get information from them on the status of my application, it has been over 6 months. I have repeatedly logged in to get more info on if my status has been approved, which in XXXX XXXX XXXX XXXX of XXXX included a message about how I had been sent more information via mail or email. I never received any email or mail with more information for next steps. I verified both my mailing address & email were up to date, I just wasn't getting communication. I called, connected with a representative after 3hrs on hold early XXXX of XXXX, who told me I needed to pay a {$5.00} for changing my plan, which I paid over the phone. About a week after this call on XX/XX/XXXX I finally received a virtual letter in my account inbox stating I needed to send in {$5.00}, which had already been paid at this point. I received no more updates except for a pop-up on the website telling me that my " loan is still processing, check back in 10 business days. ". I called today for another update ( XX/XX/XXXX ) & was told by a rep that I should be getting emails or inbox messages on their website every 10 days from Nelnet with updates on my loan. I have not received these, which the representative confirmed on their end as not being sent to my inbox. I am on an administrative forbearance til XXXX while they " process the application '', but I am still accruing interest daily, which I have been for over 6 months now. I can not get answers, they just say the application is still in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 the 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.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I filed two separate Feedback Cases with the Department of Education- Federal Student Aid ( DOE ), back in XXXX and XX/XX/XXXX after having received notification from my loan service provider, Nelnet , that I owed over {$21000.00} in student loans ( including interests ). Nelnet was contracted by DOE, and obtained my student loans on XX/XX/XXXX. I provided both DOE and Nelnet with personal bank statements ( XXXXXXXX XXXX XXXX ) showing that I had issued three separate payments, totaling {$21000.00}, during the COVID-19 Emergency Relief- Student Loan freeze, thereby paying all my DOE-held Loans, in full. I was also informed by Nelnet that check ( s ) were issued to me. I never received any monies from DOE or Nelnet, and was never notified that a refund was approved or that check ( s ) were being issued to me. I informed Nelnet that I did not receive said check ( s ), and never cashed said check ( s ), and that I wanted to file a claim with them concerning this. In XX/XX/XXXX, I filed a Claim with the US Department of Treasury relating to the Nelnet-referenced check that had purportedly been issued to me, and cashed by unknown individual ( s ). In XX/XX/XXXX, DOE notified me that they were closing my Feedback Cases, and were referring my complaints to Nelnet. On XX/XX/XXXX, Nelnet responded back indicating that a Fraud Investigation was opened in XX/XX/XXXX, and that in XX/XX/XXXX the Department of Treasury reissued [ my ] refund checks, but they still contended I owed them {$22000.00}. On that same day, I contacted the US Department of Treasury, who informed that that they are still waiting to obtain additional information from DOE concerning my check ( s ), and that a check in the amount of {$16000.00} was cancelled and reissued to the DOE. At this point in time, both DOE and Nelnet have repeatedly refused to address my allegations, repeatedly failed to comply with the timelines set to inform me of any outcomes/findings, failed to verify that full payments of the loans were made, failed to look into the allegation of identity fraud and check fraud, and failed to have open and transparent communications with the US Department of Treasury and me concerning the allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX  and concern. I ask that you rectify this mistake promptly by updating my account.

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 2024-03-01 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: FL

Complaint narrative:
Two complaints 1. My account has been placed in forbearance without my approval. I have called multiple times and even sent a written letter requesting they take my account out of forbearance immediately and they keep renewing the forbearance. It's been nearly a year of missed payments towards my loan forgiveness. 
2. Since entering the loan forgiveness program there has been no documentation of monthly payments that are {$0.00}. To qualify I need to be enrolled for 240 monthly payments based on my income. My income has been very low for the majority of those payments so my monthly payment is {$0.00}. But they are not keeping a record of this, so I had changed it to automatically remove {$0.00} from my account just so there would be some sort of record. Then they placed me in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX and concern. I ask that you rectify this mistake promptly by updating my account.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a matter of urgent concern regarding XXXX AS XXXX AND XXXX XXXXXXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently.

Company response to consumer: Closed with non-monetary relief