vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: MA

Complaint narrative:
I am writing to dispute the presence of two hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent. 
Inquiry Details : -- TRANSUNION -- XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: CA

Complaint narrative:
When XXXX Insurance company emailed me my auto insurance estimate, they listed a high premium according to the Consumer Report Lexis Nexis statements of being in a car accident. The incident of collision is not my fault. My attorney has evidence that the other driver has a history of running red lights. This is the contact to the case manager who handled the case of the accident XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
I did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MS

Complaint narrative:
I don't want this on my report, it hurts my credit history and it's not mine. 
XXXX XXXX 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 2023-10-02 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: NY

Complaint narrative:
Equifax has no permissible purpose to furnish a report on my behalf i never gave written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NJ

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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/23 I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall... 
( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Propel, Inc.
State: LA

Complaint narrative:
On XX/XX/2023, my account Providers from XXXX Bank the reason that they close my account because they said that we wouldnt be a match for my banking needs which is a lie. I do have all the proof from them that they promised me a refund and you keep giving me the runaround my refund was supposed to be a total of {$1200.00} plus another {$53.00} and change they have not cooperate with me. Theyre not trying to give me a refund Ive called them so many times and at this point I am really ready to sue them so they can refund me my money so I do have all the proof you need I will send you the proof so youll see what kind of people they are they are scammers and they are stealing everything that I took. I had disputed with them and they keep giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
This is not mine. I never went to any medical place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I closed a 5 year fully matured XXXX 1 day after the grace period on XXXX My complaints : .Extremely high fees & penalties for only 1 day late on a fully matured XXXX XXXX disclosure that the XXXX would rollover into an extremely low interest that was a fraction of going rates .Bank clerk/manager refused XXXX give me any formal description or itemization of US Bank fees & penalties XXXX XXXX clerk told me ( XXXX senior citizen ) to go on line to get this information.. 

My suspicions : .Their competitive rates are called Specials so that the published terms & conditions can be worded in such a manner so that the customer is led to believe that the automatic rollover rates will be competitive with current rates.. 

. Their business model supports my belief that their excessive, hard to locate & calculate fees/penalties are a tool to make money from their busy customers, whose only misstep was to believe that they were dealing with a fair & reputable bank.. 

In my case ; XXXX day late cost me {$93.00}, more than XXXX of the interest rate, I had rightfully earned on a fully matured CD.. 

I want others to know, & beware of XXXX banks deceptive CD practices, & determine for themselves if this bank is worthy of their patronage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: WA

Complaint narrative:
Last couple weeks I opened an account with Laurel Road and set up a direct deposit amount of {$2500.00} into it. Days later I tried to send my money back to my external bank account but unable to access to my own money. I ended up added my external account as a payee and sent the amount to it. The transaction went through and I have got the confirmation code, but it been days and my external account still not received the money yet. I emailed the bank and asked about my situation but theres no response for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My husband and I have 2 mortgages with Freedom Mortgage on the following properties below. My husband XXXX XXXX called to ensure the XXXX XXXX XXXX  Policy for XXXX XXXX would be paid and somehow spent an hour of his life with incompetent people in the servicing department. We have had issues with Freedom Mortgage since the inception of this loan and have sent various letters concerning both insurances, escrows and refunds. I received the attached letter on changes made to XXXX policy. My husband never called to make changes to the XXXX property. I want to make sure that there are XXXX policies on XXXX XXXX XXXX XXXX NC XXXX for ( XXXX XXXX XXXX XXXX XXXX and ( XXXX ) Homeowners Insurance and that they are both paid with the escrows as required. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX XXXX and there were no changes requested for this property XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX Policies ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ( 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 2023-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXX, XXXX & XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( TransUnion, XXXX XXXX XXXX XXXX cease 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 2023-10-02 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There was a charge of {$240.00} to my Barclay 's card which I considered fraudulent. To my surprise Barclay wrote off the card, and even after I paid them the full amount, they refused to remove the derogatory mark from my credit report. 

After filing a dispute through XXXX, instead of removing the remark they suddenly changed the write-off amount to {$11.00} dollars, and now my credit report still suffers because of their poor book keeping and honestly, just general laziness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: PA

Complaint narrative:
I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
I am trying to pay off my loans, but the Nelnet website will not let me, and as a federal loan servicer it is unacceptable. My loans also changed from being in deferment into 2024 to accruing interested and requiring payments this month and I did not receive any communication before this happened. 

I keep getting the following message when I try to make any payments : " Sorry, there's been a problem. 
The issue has been logged and reported to our technical team. 

What you can do first : Refresh your browser and try again. 
Log out of your account and log back in again.

If that doesn't fix your issue : Return to Nelnet.com and try to log in again. 

We apologize for the inconvenience and thank you for your patience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
On XXXX XXXX I submitted an online dispute to myequifax.com telling them upon viewing my report I notice several inaccurate items, I asked them to please provide me all the information Equifax used to verify these inaccurate late payments. On XXXX XXXX Equifax had completed their reinvestigation and marked the disputes being accurate still and didn't provide me with copies or details of how they got the information, who they spoke with in order prove accurate? The dates marked as late payments was under forbearance. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and a FTC report and submitted it to the credit reporting agencies according to the FCRA. These disputes were not filed correctly and copies of the verification process were not sent to 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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Pulled my consumer report on XX/XX/XXXX and noticed inaccurate information. 
incorrect and inaccurate amount on Experian says {$270.00} for payment but XXXX payment {$0.00} both not accurate and incomplete.Balance reported on XXXX is {$5000.00} but Experian reports different {$6200.00} which their not accurate.XXXX reports I owe a balance but I'm current as well which is not accurate as well. Consumer can't owe but be current with payments. 
Date Open on Experian is XX/XX/XXXX but date open on XXXX is XX/XX/XXXX which is incorrect and not accurate. 
This is in violations of the law of FCRA 15 USC 1681 SEC 3 5A - If the completeness or accuracy of any information on consumers file is disputed. The agency shall conduct a reinvestigation if inaccurate or incomplete or can not be verified shall be deleted in accordance to 1681 I sec 3 5a, and 1681 s 2 ( a ) ( i ) date open XX/XX/XXXX Last Reported : XX/XX/XXXX on XXXX but on XXXX it says different Date open XX/XX/XXXX and Last Reported XX/XX/XXXX which is inaccurate violation of the FCRA 15 USC 1681 SEC 3 5A. 
THIS IS DAMAGING MY CREDIT REPORT AND MY LIFE.

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