vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: CT

Complaint narrative:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

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 2023-09-06 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: CT

Complaint narrative:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: CT

Complaint narrative:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX {$580.00} I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
As Great Lakes and Nelnet are " sister companies '' as I was told, you'd think they'd have all records and documentation of conversations, etc... 

It was explained to me that these previous conversations no longer exist, nor was it appropriately documented in my case file. Go after these companies that MESSED up for the past 20 years in regards to these things. I've been paying these loans back since 2003, but apparently I have 8 years left to pay? These are the issues that make people lose hope in every avenue of our country. I have pictures from the old Great Lakes website SHOWING when my payments were to resume and when the final payment was. If you had a record of what that site looked like, it is CLEAR AS DAY that it came from that particular URL. 

Hold these people responsible for their lackluster and willy-nilly attitudes for the past 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Incorrect information, fraudulent, unauthorized information. I did not open these accounts and would like to dispute them and have them removed from my credit. Thank you for your help in this matter!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I recertified with the Department of Ed stating that I would be paying {$93.00} per month under the new SAVE plan. Aidvantage said I would be paying {$530.00}. I called them on XX/XX/XXXX and they agreed it was incorrect but told me to check back later. I received an ecorrespondence from them on XX/XX/XXXX saying it would be {$340.00}. I checked back on XXXX XXXXand they said it did not show that I recertified and selected the SAVE plan. They said I could do that through them. I did that and they stated I would be paying {$100.00} per month, which is {$9.00} more than the XXXX website said I would be paying. I asked for proof of this and they said it would show up on the website and through email. I saw neither of those and have not received confirmation yet. I also checked the Student Aid website and it previously said I was under the SAVE plan. I checked today and it switched me back to the REPAYE plan. I checked Aidvantage 's website again today and it said I would be paying {$260.00}, which is what I was paying under REPAYE before payments paused. I called and told them it was incorrect and they said it could take up to 15 days from when I previously called ( XX/XX/31 ) to show up properly. I asked for confirmation again about my certification for my $ 102 monthly payment under SAVE and was told I would receive it but still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX alarm system. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with Vivent Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: ATG Credit, LLC
State: TX

Complaint narrative:
ATG CREDIT {$1700.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: NJ

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-09-06 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: GA

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-06 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: GA

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Friday XX/XX/XXXX, XXXX I received many notifications about transactions I was not making. XXXX {$19.00}, XXXX {$5.00} total of 31 transactions {$200.00} customer service were not helpful and asked to dispute transactions on the app, which, I would have to do one at a time since its a 7+ step process. I thought it was insane and got very upset and asked to speak with the Representative XXXX XXXXXXXX XXXX s supervisor but he hanged up on me. 
I called back and spoke with XXXX a representative that was able to explain everything but we still have to do one by one me answering 7 questions per transactions. And Im not sure if why they were not able to catch these fraudulent transactions when they were so many, consecutively less than a minute apart. They told me this does not happen very often and I don't believe that is the case since, months ago, they duplicated 5 of my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Navy Federal Credit Union. Application number : XXXX, Navy Federal Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to Navy Federal Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction. A copy of this adverse action letter can be provide that Navy Federal Credit Union sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: MOHELA
State: IL

Complaint narrative:
I am eligible for PSLF as a XXXX Direct Loans/ACS consolidated my loans when I graduated in XX/XX/XXXX from XXXX XXXXXXXX XXXX . I began repaying my loans after the grace period in a standard repayment in XXXX of XXXX. I continued paying every single month until I began my XXXX XXXX in XXXX of XXXX. However, the data in my Federal Student Aid file shows that I graduated and consolidated in XXXX of XXXX and then has me listed as In School from XXXX of XXXX through XXXX of XXXX, the entire time XXXX held my loans. I have documentation showing that I was paying on a standard repayment plan during that time but I do not have proof of every single payment, as my bank doesn't issue information that old. As a result, I am currently missing XXXX payments that count toward my PSLF ( beginning XXXX of XXXX- XX/XX/XXXX ). These payments are vital to my ability to discharge my loan through the PSLF program. 

I can not ask for information from the company as they no longer exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This was a Sears card, now Shop Your Way. I made {$150.00} payment XX/XX/2023 and it withdrew from my account XX/XX/2023. 
Dates : XX/XX/2023 made {$150.00} payment by phone. Cleared bank XX/XX/XXXX. 
XX/XX/XXXX I got a late notice. I called and spoke to XXXX, then XXXX about missing payment. Set up case and made payment to bring account current. 
Letter from them dated XX/XX/2023 opening the case. I mailed them a copy of the bank statement and transaction as proof. 
XX/XX/XXXX I spoke to XXXX and he said payment was found and should reflect by XXXX statement. I would also get refunded late fee and interest. 
XXXX XXXX I got statement and payment was not on it. I called and XXXX said there was no {$150.00} payment, but case had been closed. She said she would request it be re-opened. She could not say why I got wrong information on last call to them. 
At this point I am frustrated and request your 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 monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I purchased my home at XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XX/XX/2023. I am being charged for PMI even though I am below the threshold to be charged for this. The appraised value for my home is {$320000.00} and I only financed {$240000.00}. Therefore, I am only at 76.48 % loan to value. I have asked for this to be removed, but the company is refusing. This is not right and needs to be fixed 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
- XX/XX/XXXX : Move Out agreement and early termination of lease was granted by lessor XXXX XXXX XXXX XXXX in XXXX Al. ) XXXX XX/XX/XXXX -- Letter to request " Validation '' of debt that has fallen under my name. 
- On XX/XX/XXXX -- A letter was received from Rent Recovery Solutions using an expired lease from XXXX XXXX XXXX, which was terminated prematurely by finding a Subleasor to take over remaining lease term from XX/XX/XXXX -- XX/XX/XXXX ; Move out agreement was signed on XX/XX/XXXX and given to XXXX XXXX XXXX in XXXX, AL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: GA

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. 

has violated my rights. Or list of inquiries 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