vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/23 I submitted complaint XXXX detailing incorrect information on my credit report : after transfer of loans from Nelnet to XXXX, Nelnet had not furnished updated student loan information to CRAs, thereby making my student loan debt appear double what it is. 

In response, Nelnet stated the information had not been furnished, given the transfer led the Department of Education to apply a suppression on my account. The final response from Nelnet further stated " When we receive direction from ED to remove the suppression we will furnish data reflecting that your account has a {$0.00} balance. '' The account balance continues to be incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I started training and was XXXX XXXX in the military. I have reached out to EDfinaical, and no communication. This needs to be removed from my credit report, and updated as current, because I was an XXXX XXXX service member, and was unable to make payments during this time, and then received orders to XXXX. This is affecting my daily life, and it also is violating my consumer rights. Inaccurate information needs to be removed and brought to current. 

The accounts below are sowing that I was 90+ days late on a payment. 
XXXX {$4500.00} XXXX {$3500.00} XXXX {$2000.00} XXXX {$1700.00} XXXX {$1000.00} XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: SC

Complaint narrative:
To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions.

2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. 
3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure.

4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies.

5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes.

6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report.

Thank you for your attention and assistance in resolving this matter.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I receive mailed pin and customer ID from chexsystems on XXXX XXXX, When I went online today, XXXX, to unfreeze my file, the pin would not work, when i called them they would not accept my pin and would not lift the freeze 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I recently discovered outdated and inaccurate personal information in my file maintained by LexisNexis. This outdated information includes old addresses and names that no longer reflect my current situation. Despite my attempts to address this issue directly with LexisNexis, the outdated information remains unchanged. I am concerned about the potential impact on my financial and personal well-being due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made flight reservation with Chase travel. At the time of booking, chase offers basic economic class and main cabin with 2 price tiers. And the difference between these 2 options is seat assignment. Therefore I paid extra for main cabin for seat assignment. After I requested seat. I received confirmation email from Chase for flight. However, the day before my departure, I got another email from airline with different seat assignment. I tried to coordinate with chase but they said seat assignment is not guaranteed and refuse to refund the extra I paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-25 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: FactorTrust, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  I want these accounts removed from report no more reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I want these accounts removed from report no more reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
I recently viewed my credit report and noticed a bunch if hard inquiries at Car dealerships and financial companies in Places I haven't given my ID or ss number. I am requesting an investigation that proves I filled out an in-person application to the following credit institutions. 
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, FL XXXX is an undeliverable address and it needs to be removed from my credit files

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am unaware of the issue. I have made payments and my account was in good standing. I submitted a 1099A that was accepted by the IRS for full payment of my balance and the remining future months of the year. So If I have provided full payment why has my account been closed? The balance should be discharged per the Trust indenture act and the XXXX filing with the sec which it was addressed to XXXX XXXX XXXX XXXX and address to the correct address as well. Refusal to accept my payment is non-compliance and my next step will be arbitration per the terms and conditions in our agreement.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Credit reporting agency TransUnion has been practicing unethical behaviors. 
I have submitted requests in the past to have items removed and submitted information that shows that the error should have been removed. XXXX XXXX XXXX. I have also recently paid down a huge amount of debt and TransUnion has gone out of their way to reduce my score and report information to credit cards, two cards have reduced my available credit due to these reports. 
When I request a credit report via the Transunion website there has been an error each time and the error suggests I write in for my report via USPS. When I held a chat with a Transunion employee they sent me a report but the top of the report stated no score provided and I would need to purchase. 
Transunion needs to be investigated for unethical practices and not properly doing an investigation when asked.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I want these accounts removed from report no more reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I disputed the presence of a fraudulent account on my XXXX credit report, which is being reported by Capital One. Despite my repeated attempts to rectify this matter with Capital One directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my XXXX report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for Capital One to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that Capital One complies with its obligations under the FCRA by promptly removing the fraudulent account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion has reinserted an erroneous account 3 times. I've been disputing this information for a year now they have failed to conduct any investigation. This account has been deleted from XXXX & XXXX for violating FCRA. I have proof that TransUnion has never conducted any investigation thus verifying the information as accurate. 

This is not only Defamation of Character but includes Fair Credit Report ACT 15 USC 1681 violation for willful compliance 616 Civil Liability for willful noncompliance 15 USC 1681n. 

I sent a letter to the creditor requesting proof of documentation in reference to the account with no correspondence. Proof Attached certified receipt & signed.

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING is a collection agency that is violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). They did NOT send me any verifying and validating information about this alleged debt and to take it a step further, they had also sued me, case number HUD XXXX. I did NOT know that I got sued in the year XXXX by this agency nor did I get ANY notification about such debt. I want proof that I received notification about the alleged debt by providing a certified green return card bearing my signature. Additionally, being sued without proper notification further violates the FDCPA, to be specific, 15 U.S. Code 1692g ( c ) and 15 U.S. Code 1692i ( b ) which states " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
After a period of travel I had an extra charge for a car rental on my credit card. I called the car rental and they said it was an error and removed the charge. I called the credit card company multiple times and the charge still keeps coming back. Every time I call I have to sit on hold for at least half an hour. There is no message center on the website to send the company a message. There are no alternative ways to dispute other than call and wait on hold and they make it impossible to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: U.S. BANCORP
State: FL

Complaint narrative:
After I tried to apply for a credit card and was denied I discovered that there were loan applications that I did not apply for on my credit report. Thankfully, I had them removed and then I discovered another one from 2022 that I have also not submitted. I contacted the company because I never applied to US BANK. Truthfully, I never heard of US BANK. I am not sure how they obtained my information or how this application was submitted. I thought perhaps they changed their name and are under a DBA but it appears they are not. They have no information from my SSN on file and without any further investigation the customer service agent did not try to investigate they simply hung up the line which I considered to be very unprofessional.

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 2024-03-25 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have hard inquires on my credit i did not authorize called credit bureau and company and not getting anywhere

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 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I requested the removal of Private Mortgage Insurance from my loan, from which lender PennyMac requested an Appraisal. 
The appraisal showed the LTV was less than required 80 %, and they proceed and removed the PMI payment from my monthly payment After Escrow account revision done in XX/XX/XXXX, I did not agree with the terms and requested de deletion of Escrow Account. 
Lender requested the payment of the shortage for the time of the request, which I made the same day, for an amount of {$5500.00}. 
After payment was reflected in my account I called again and requested the Escrow deletion, which they processed. 2 Weeks later I received a Denial letter saying that an loan to value ( LTV ) ratio was not met, which is not true as they do have the latest Property appraisal which shows less than 80 % of LTV ; and they used it to remove the PMI payment. 
I need all Escrows payments removed as I comply with all requirements for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IA

Complaint narrative:
On XX/XX/2024, XXXX XXXX alerted me that there was a hard inquiry on my credit from XXXX XXXX XXXX for Home/Office Furnishings . I did not recognize this hard inquiry, as I have never needed a hard pull on my credit before and am not planning on it anytime soon. I called XXXX XXXX today ( XX/XX/2024 ) and they confirmed that somebody did use all of my personal information to apply for a loan online for XXXX XXXX XXXX on XX/XX/2024 through XXXX XXXX. XXXX XXXX marked the request as fraud, but the hard inquiry is still showing on my credit report. XXXX XXXX also emailed me a Case Completion Letter for the investigation they opened.

Company response to consumer: Closed with explanation