vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I called Nelnet on XX/XX/XXXX to discuss several issues. 
XXXX. I received an email that my loans were in an administrative forbearance for the payments XX/XX/XXXX and XX/XX/XXXX. The email said it was due to a failure to send statements on time and apologizing for any inconvenience. The payments still came out of my bank account for these XXXX months causing me financial hardship as I wasn't allocating the money for those payments. I explained to the representative that the payments were still coming out and she was going to request a refund for the payments. She had me on hold for about XXXX mins to speak to a supervisor. While talking to her about this complaint I brought up my next complaint. 
XXXX. I asked her to tell me when I authorized auto payments from my bank account. She put me on hold while she looked. She said she had no record of me authorizing payments from my bank account. I understand she just works there and tried to answer the best of her ability. I said that I was going to file a complaint about these issues. That's when she insisted I speak to a supervisor. I waited on hold another XXXX mins before getting someone on the line. I explained to her my concerns where she tried to find evidence that I authorized auto payments and said in XXXX I authorized auto payments. When I told her I didn't have that account anymore. I asked her to tell me when I authorized auto pay from my current account. She kept reading changes from my nelnet account but nothing saying I in fact authorized these payments. So when I asked for the date she said would you like that mailed to you? I said yes I would like the signed authorization mailed to me. I asked her why I wasn't receiving statements, bills, and due dates. She said I was signed up for electronic communication which she explained is only found on the nelnet account online not sent through personal email. I asked to remove me from XXXX communication and only contact me via mail which she said she did. They did remove autopayments from what they claimed. So then when I ask her to make sure I was getting refunded the payments she explained that since I was set up for auto pay the money starts to withdraw from my account XXXX  days before my due date. She wasn't able to request a refund for XXXX since my forbearance started on my payment due date. So the email was a lie. I only get XXXX  month of forbearance due to my payment due date. When I got off the phone I went to my nelnet account I couldn't find any " statements or proof of auto pay ''. I tried to delete my bank information to prevent further mishaps and the website wouldn't allow me to delete my own bank information which is a huge concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome 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 explanation
Consumer complaint received 2024-03-28 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: RI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account 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 2024-03-28 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: RI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically XXXX consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I had XXXX accounts with XXXX XXXX XXXX  XXXX, A they were deleted due to a bunch of fraudulent charges experienced in 2021 with a caregiver. Account numbers # XXXX for {$950.00} and # XXXX for {$1000.00} these are also the same accounts that credit XXXX deleted that XXXX XXXX are calling Reference # XXXX is the same account from credit XXXX ending in # XXXX for {$1000.00} and another account that XXXX funding has Reference # XXXX which is the same account ending in # XXXX is the same account as {$950.00}. These are killing my XXXX XXXX I have another fraud account from some lender company i have never signed a bond they said a former rental company had me to sign it with them i never had any knowledge of them nor did I sign any bond agreements with XXXX XXXX XXXX the rental company I experienced fraud with them as well they have made up a lot of fake bills and other recourse I'm working on settling that on my credit as well due to their leasing agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: OH

Complaint narrative:
I had XXXX accounts with XXXX XXXX XXXX  XXXX, A they were deleted due to a bunch of fraudulent charges experienced in 2021 with a caregiver. Account numbers # XXXX for {$950.00} and # XXXX for {$1000.00} these are also the same accounts that credit XXXX deleted that XXXX XXXX are calling Reference # XXXX is the same account from credit XXXX ending in # XXXX for {$1000.00} and another account that XXXX funding has Reference # XXXX which is the same account ending in # XXXX is the same account as {$950.00}. These are killing my credit score I have another fraud account from some lender company i have never signed a bond they said a former rental company had me to sign it with them i never had any knowledge of them nor did I sign any bond agreements with XXXX XXXX XXXX  the rental company I experienced fraud with them as well they have made up a lot of fake bills and other recourse I'm working on settling that on my credit as well due to their leasing agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: WA

Complaint narrative:
I did not authorize them to access my credit information, and I am concerned about the potential impact this inquiry may have on my 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 non-monetary relief
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
I have contacted the police about this I did not open this account please remove police report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: IL

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-03-27 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: IL

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My partner was checking my credit report because we are trying to get a mortgage loan. 
on my credit report it showed a loan for XXXX that was not mine. 
I called bank of America on XX/XX/year> XXXX Talked to XXXX from texas employee ID # XXXX, I told XXXX about this loan that was mistakenly put in my name and she transferred me to the fraud department. 

I then talked to XXXX employee ID # XXXX. 
He informed me that there was a loan in my name. and asked if i would like a copy of the promissory note. I said yes and he sent me a digital copy. this note has my name nowhere on the document. This home that was purchased was also in XXXX XXXX which I told XXXX that I do not own this house and I live on the other side of the country. He agreed that this couldn't be me and also that it was suspicious. he create a fraud case for me. 
I gave XXXX my first and last name and contact information XXXX was able to give me the information on the loan and who it came from. 
XXXX XXXX who died and was given over to XXXX XXXX in Rode Island. 
he create a fraud case for me. Fraud # XXXX. 
I gave them my Social Security Number to prove it wasn't me and also my XXXX XXXX to send me information I was then informed to wait for a call 24-48 hours from creating this case. I received no call. 
I was given a phone number to call back. XXXX. 

XXXX I called this number again on to see if there was an update and the rep couldn't find my fraud case number. I updated them again on the loan information. from above and now I was told it could be longer for the case to be finished. 

XXXX Called again Gave them po box again Phone Number again SSN again First and Last Name again They informed me that it will take some time and somebody will contact me. 

XXXX received the physical copy of the promissory note. 

This company is not doing this investigation in a timely manner, they are not contacting me at all regarding this investigation. 
please help me fix this problem I am try to get a home loan and this issue is delaying the progress. 

Could you please investigate this. I need written verification that this is fraud, and that it will be removed from all three credit reporting agencies immediately. this is preventing me from purchasing a new home. This is not OK.

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
See the attached documents.

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 2024-03-27 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: WA

Complaint narrative:
I did not authorize them to access my credit information, and I am concerned about the potential impact this inquiry may have on my 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 non-monetary relief
Consumer complaint received 2024-03-27 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-27 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 have sent off information to each agencies but they still are giving me the run around. 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 non-monetary relief
Consumer complaint received 2024-03-27 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: MS

Complaint narrative:
I Equifax a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.XXXX  account number XXXX was deleted from my XXXX  credit report but not my Equifax how is that possible

Company response to consumer: Closed with non-monetary relief