vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
I found out I owed a missed toll to XXXX XXXX XXXX XXXX  and tried to pay with them directly, but they had sent the account to collections - Credit Collection Services XXXX CCS ) at XXXX. I called CCS and they told me I could not pay the toll violations, as I am not the person/entity linked to the account. The entity linked to the account is my leasing company, XXXX XXXX XXXX. I asked CCS if I could pay the account as I am the lessee, and I have also not gotten any communication from XXXX about the fees. I called XXXX to be sure that they have nothing on their end regarding the unpaid tolls/fees, and they told me nothing was sent to them. I asked CCS to help me try to pay the debt as I'm afraid it will affect my credit as time goes on. CCSXXXX XXXX refused to give me more information to help me resolve the issue. I am unable to do anything about this debt until the collections agency/XXXX reconcile the lack of clarity between themselves and my finance company. Otherwise, I am not authorized to pay anything even though I am willing to cooperate, especially so I can avoid any bad marks on my credit report. I would really appreciate any help you can offer, as I am stuck and worried about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax had had a block on my credit report since XXXX XXXX XXXX preventing me employment, loans, and several other life altering things. I have tried to fix the issue several times with no resolution. The first time they made excuse saying for identity protection I need to send in Id and social, however I sent in those items and there were no change they lied to consumer protection and said they needed verification in which I had already my sent them verification. Im prepared to take legal action because due to this my life has been horrible since last year being unable to even get a car from a second hand car dealer because of unexplained things on my credit report. I had one lender tell me that nothing showed at all on my credit and that she has never seen that happen in her career. I feel as though my account is intentionally being manipulated to harden my life and there is nothing being done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX  bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?

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 2023-11-16 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: GA

Complaint narrative:
My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found inaccurate information in my TRANSUNION credit report. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report 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 non-monetary relief
Consumer complaint received 2023-11-16 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
Before repayment started. I tested my payment method to ensure auto payment on Nelnet could continue uninterrupted. I was previously on Great lakes. 

Successfully added current checking account and made payments. 

When loans restarted nelnet charged the banking account that was linked to great lakes but not nelnet. Despite the account not bring linked to current account and auto debit being linked to new checking account. 

When i reached out to Nelnet via phone support after i requested that the call be escalated they eventually advised me the old checking account is no longer linked the Nelnet account which will update to state the payment was not captured and then i can submit the XX/XX/XXXX payment. As of XX/XX/XXXX the account has not updated. 

I decided to make the XX/XX/XXXX payment of {$260.00} early on XX/XX/XXXX to ensure the payment was processed successfully before the holiday. After the payment was processed Nelnet then updated the payment due for another payment of $ XXXX on XX/XX/XXXX. 

There is no reason why i should be double charged for XXXX. The double payment does not reflect the not actually charged XXXX payment which was for XXXX. I have tried emailing multiple times and will be connecting with law firms to explore all potential avenues. 

I want to be able to submit my payment as expected or early without having to worry about what XXXX occur. 

Standard billing practices used across most major companies in XXXX. 

I have to pay my bill yet there is no punishment or standard for Nelnet to even get the billing processed correctly. Which is literally their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have repeatedly reported instances of non-stop and disrespectful contact from your agencies during inappropriate hours, despite my efforts to address and rectify the situation. In addition, my request for proof of application to your companies resulted in an onslaught of emails and bills, indicating a monthly membership cost, which I find to be both unjust and in violation of consumer rights. 

Per 15 USC 1681n, each violation incurs a fine of {$1000.00}. Given the persistent nature of the violations, I demand immediate cessation of the unwarranted communications and a thorough investigation into the aforementioned issues. Furthermore, I expect prompt remediation and an official response outlining the steps taken to rectify the situation. 

I am prepared to escalate this matter to legal authorities if necessary, and I trust that it will not come to that. Your cooperation in resolving this matter expediently is appreciated.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Credit Karma closed my account. The account was hacked and address changed on it. They won't send my money to me because they allowed it to get hacked. They kept letting it happen. All I want is the money sent to the original address that was on the account. They keep not sending it to me. It's been four months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 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: MI

Complaint narrative:
On XX/XX/2023 there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/2023. i am requesting the Method of Verification For the following dispute ( XXXX XXXX XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that Trans Union, XXXX and XXXX send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA

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 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flexible Finance, Inc.
State: VA

Complaint narrative:
Hello, I am filing a complaint against Flexible Finance Inc. They are falsely reporting that I owe a debt that has been paid in full. I have emails from them confirming same and they were uploaded to my complaint for XXXX and will be uploaded here. I have tried extensively to get this off of my credit report and either XXXX is failing to investigate or Flex is providing false information. Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 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: U.S. BANCORP
State: TX

Complaint narrative:
Unauthorized inquiries on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
They will not email any documentation. They would not speak with other dealership to get a payoff. In my opinion this was all done to keep you in there loan to make money as well as make it difficult to make payments for late fees and repo. I understand that many companies use outsourced for customer reps but this was the absolute worst I have ever experienced. So pay some random person on the phone hundreds of dollars a month and hope it gets to your account. Good luck trying to escalate to a supervisor or another department. They just hang up over and over. They are crooks and XXXX. 
As you can see from their form letter response that they just insert a name they clearly are clueless. They spelled the name of an aggravated customer wrong. Cut and paste is too difficult for them to get right. This company and every employee is completely incompetent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Low credit score

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 2023-11-16 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-11-16 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: EdFinancial Services
State: AR

Complaint narrative:
I submitted my XXXX XXXX annual application on XX/XX/2023. I understand these things take time, but it has now been over 7 months and my payment still has not been applied to my balance. It has also come to my attention that Edfinancial closed my loan account and opened a new one without my consent. The payment that the XXXX sent them was applied to my old account and Edfinancial has yet to transfer that payment over to my new account. They have had my payment for several months which is more than enough time to make this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I paid off my Bank of America credit card and they are still charging me XXXX in interest! I called them aand aked how much would payment would be including interest on! XXXX The rep. it would be XXXX which would incluse interest!!!!!!!!! This month they are still charging me interest on balance I paid off!!!!!!! 
When I called the rep today ( XXXX XXXX ) told me the other rep was wrong and I had to pay interest on credit card for 3 month!!!!! That is ridiculous!!!! Never heard of this before!!! I have paid off all y credit cards and have other visa carda and have not had this problem!!!!!!! Only with Bank Of America!!!!!!! 
I paid off a Business Bank Of America and then they cancelled the card for no reason. 
Bank Of America is doing alot of illegal procedures and they need to be held accountable for them!!!!!!!!!

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 2023-11-16 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-16 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Another credit card from Synchrony bank slashing my credit for NO reason! 
Reasons given were inaccurate or outdated. Report sent to them by email with no response. Instead they just slash more and more of my credit cards.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-16 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: GA

Complaint narrative:
I recently began looking into moving and I noticed inaccurate information on my report I began reaching out to Experian XXXX XXXX to get this information updated/ changed/ Deleted with no success or response Im hoping this complaint can get something resolved

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation