vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
Dear CFPB, I am writing to urgently address a concerning matter regarding the application of my recent payment towards my student loan. Despite making all my payments in advance and on time, I have noticed that my most recent payment, made on XX/XX/XXXX for the amount of {$170.00} has not been applied correctly and accurately. 

I have taken proactive steps to resolve this issue by contacting your customer service department on multiple occasions and sending emails outlining my situation. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have followed all protocols and waiting time. Unfortunately, despite my efforts, I have not received any resolution or assistance. I was even escalated to a supervisor who was unable to provide a satisfactory solution.

Moreover, I have experienced considerable frustration as each time I have called, I have been placed on hold for over an hour. In total, I have made five calls regarding this matter, and the due date of my next payment, which is XX/XX/XXXX, is fast approaching. The correct application of this payment is crucial as it will affect my due date. 

I kindly request your immediate attention and assistance in rectifying this issue. I believe that open communication and prompt resolution are essential in maintaining a positive customer-provider relationship. I trust that you will take the necessary steps to ensure that my payment is applied correctly, and I receive the necessary confirmation. 

Please reach out to me at your earliest convenience to provide an update on the status of this matter and to discuss the steps required to resolve it. I appreciate your prompt attention to this urgent issue. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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
Consumer complaint received 2024-01-05 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: WI

Complaint narrative:
I was robbed XX/XX/2023. My wallet and SSN was stolen and {$140.00} in cash. Someone try to open an account with XXXX XXXX XXXXXXXX XX/XX/2023 ( Transunion ) and with XXXX XXXX XXXX ( Transunion ) XX/XX/2023. I do not recognize any of these hard inquiries. I have made a police report which I will attach to this file. Other issues were resolved except the 2 hard inquiries. ( Transunion ) It look like they tried to open an account. I now have notifications set up.

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 2024-01-05 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Proof of me signing documents. Opened collection i have not been paying since i seen this company but it says i paid XXXX never sent anything. Tell them to send payment details please if cant remove this company i dont even know them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Trying to obtain new insurance, however price is very high as lexus nexis has inaccurately listed as me being at fault foXXXX XXXX  accidents. I was found 0 % at fault with my insurance company and I have both police reports. There is no clear way to contact them to fix this information. This is costing me a lot of money and I also can not be on my XXXX XXXX insurance due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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:
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Claim : XXXX I am really in shock that I have been notified the credit I received on XXXX XXXX is being taken away XXXX XXXX. This claim needs to be reopened immediately. I never received my order/ any of the merchandise I paid for from the merchant Reformation from my order totaling merchandise worth {$2100.00} posted to my account XXXX. I received a terribly packaged and damaged, empty shipping box covered in yes you are reading this right, XXXX!!! XXXX!!!!!! Human XXXX XXXX. I am still in shock over this, I sent all of the documentation to the company at the time and will attach it to this email because the fact I can not get my money back after not receiving the goods I paid for and having to handle a box soaked in human XXXX is absolutely insane. My apartment has no street access or way inside the building so this was entirely of the fault of the company and shipper. I had to go get a blood panel and XXXX tests run in XXXX because I fell severely Sick and questioned whether it had to do with that XXXX. This is insane and this needs to be reopened and reviewed. Images attached. I am filing claims over this with the CFPB and OCC and plan to close all of my Wells Fargo accounts after this. I never even received a letter from yall asking for more documentation. I actually have no words. Wells Fargo granted me a credit of the amount on XXXX XXXX and I just received a letter in the mail from them saying they are taking it back XXXX XXXX with no other info after radio silence for the last month and never allowing me to send them documentation or support of any kind. I have since emailed them all of this documentation of the situation that I originally sent reformation after they failed to make the situation right originally, and have tried multiple times to call but can never get through. This needs to be made right and Wells Fargo needs to back me considering all of the evidence I have.

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 2024-01-05 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: IL

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are being reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: OK

Complaint narrative:
I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ). 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. 

They must be blind because everything is inconsistent.

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 2024-01-05 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: IL

Complaint narrative:
Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts where I have consistently maintained a timely payment record, yet they are being reported 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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an Experian XXXX XXXX digital checking account. Upon review of my account history I found several debit card transactions that were not authorized by me. As soon as I noticed the transactions I notified Experian XXXX XXXX and put the charges into dispute. The day the dispute was filed I received a letter from Experian that I filled out and signed and returned via email. To date Experian has not communicated with me at all about the status of the dispute nor have any of the funds that were fraudulently removed from my account been returned.

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 2024-01-05 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: IL

Complaint narrative:
Please see the attached documents. I ask the bureau to commence an investigation into these accounts, as I am never late, yet they are being reported as such.

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 2024-01-05 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: NC

Complaint narrative:
I recently obtained a copy of my credit reported and noticed that XXXX and XXXX are still reporting XXXX XXXX XXXX which is a charged-off debt to my account after two attempts to resolve this matter. I contacted XXXX and XXXX in XX/XX/XXXX XXXX  and XX/XX/ and have yet to receive any update. 
Furnishing discharged debt, which is now being claimed as taxable income is violating my consumer rights, specifically 15 USC 1681E ( B ). XXXX and XXXX have not done their due diligence of reporting maximum accuracy to my credit profile. Income CAN NOT BE REPORTED to one 's credit report. I have requested that information be removed as I have been issued my 1099c form. I would like to resolve this amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: OH

Complaint narrative:
I had an account show up as a closed account and charge off on my personal credit report, this was NOT a Personal Debt it was a company Debt, we have tried multiple times to resolve the matter with Experian and XXXX with no valid response except it was valid, this had never reported on my Credit Report, we also asked for any signed paperwork from XXXX and have gotten none, if that was provided to Experian it was never provided 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 2024-01-05 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: NC

Complaint narrative:
In the course of reviewing my credit report, I spotted inaccurate and fraudulent account that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. This is the letter I submitted to the involved Bureau and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
My account was given a loan modification which I am grateful for, however while they were processing this and requesting more info they reported it as late. it is not late, and the credit history just needs to be updated as never late - loan modication was in progress.. please update my history for late months to never late as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In reference to CFPB Dispute XXXX I called XXXX who claim they never received any request from Home Depot . 

Even though I received an email from The Home Depot Consumer Credit Card ( CFPB is cced ) that " We've sent a request to XXXX to change the XX/XX/, inquiry to a non-display inquiry. ". This letter was dated XX/XX/. 

I have called HD at least 10 times to follow-up and they say they have sent the message and will send it again. 

XXXX mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also Home Depot have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset

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 2024-01-05 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. 

Account Name : 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 has violated my rights. Or a 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 non-monetary relief