vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: MD

Complaint narrative:
XXXX, XXXX, and Transunion under section 1681s-3. By federal law should not be sending misinformation about my credit utilization and late payments should not be on my be on my consumer 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 2023-10-01 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: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: VA

Complaint narrative:
I requested both Equifax and XXXX to remove the fraudulent items from my report multiple times and provided the identity theft report, The items only temporarily remove and then appear later. They have failed to provide verification of the debt when asked you including statements and signatures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Loan types and Dates of disbursement : Direct Plus loans : ( Reviewed on Federal Student Aid website ) XX/XX/XXXX - XXXX XXXX XXXX XXXX, 5.3 %, {$10000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 6.28 %, {$15000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 7.54 %, {$12000.00}, status : deferment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 8.05 %, {$9800.00}, status : deferment Unsubsidized loans : ( Grace period ends XX/XX/XXXX per Federal Student Aid website ) - Direct unsubsidized, 4.53 %, {$3600.00}, status : grace period - Direct unsubsidized, 5.05 %, {$3000.00}, status : grace period XX/XX/XXXX - Direct unsubsidized, 4.3 %, {$20000.00}, status : grace period XXXX unsubsidized, 5.28 %, {$20000.00}, status : grace period XXXX Direct unsubsidized, 7.54 %, {$12000.00}, status : grace period XXXX Direct unsubsidized, 6.54 %, {$10000.00}, status : grace period Dates/ Timeline correspondence with Nelnet : XX/XX/XXXX - Graduated from graduate program XXXX 

XX/XX/XXXX - Notified my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  and XXXX are in repayment and groups XXXX  and XXXX are in deferment via email from Nelnet. Email stated repayment starts on XX/XX/XXXX. 

XX/XX/XXXX - Emailed nelnet to ask for clarification. Received email saying they are unable to reply to emails due to unprecedented email volume. 

XX/XX/XXXX - Called Nelnet help desk 3 times during open hours. Reported hours are XXXX per Nelnet website XXXX Received messages that call center was not open. 

XX/XX/XXXX - Called Nelnet help desk and waited over XXXX hrs with no response. Reported hours XXXX. Received automated wait message with no contact with help desk. 

XX/XX/XXXX - Emailed Nelnet and recieved the same message from before. ( A total of XXXX email attempts were made from XXXX ). 

XX/XX/XXXX - No action/response by Nelnet at this time. 

XX/XX/XXXX - Payment is reported to be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express Gift Card as a gift. The amount is {$500.00}. I am able to login to the card 's website and check the balance. I am unable to use the card anywhere! I have tried online stores, and brick and mortar stores, and NO ONE will accept it. The card does not allow you to register an address, and hence when the transaction is placed, the merchant 's system is unable to verify the card against an address. 


I called their customer support and asked for a list of merchants that accept the card. They said they don't have a list, and they are unable to help any further. On the back of the card it states, " Use at U.S. merchants that accept American Express Cards. '' This is clearly untrue because all the locations mentioned here accepted American Express credit cards. 

This is a HUGE problem. This product should not be sold to anyone. In an age of credit card chips, this type of gift card does not have enough security built in, and no merchant is going to accept it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After my dispute with XXXX XXXX and pursuing legal for the bureaus involvement in reporting the account inaccurately. All three bureaus have denied my online access to my credit reports. Which is against FCRA reporting standards and regulations. I should not have to send a request by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The original loan amount was {$3200.00}. I requested a refund of payments made during the XXXX student loan pause ; I had {$900.00} remaining and had paid {$2300.00}. Refund checks were dispersed on XX/XX/XXXX, and duplicate checks were dispersed on XX/XX/XXXX. On XX/XX/XXXX, I deposited an amount of {$2300.00}. I received a call from a NelNet representative asking me to destroy the extra checks which I had already done. On XX/XX/XXXX, I received a letter about the duplicated checks with instructions to make a payment of duplicated or mail the checks back. On XX/XX/XXXX, I called NelNet to inform them of the prior phone call and to let them know I destroyed them- they said they would make a note so the duplicated refund wouldn't be charged to my account. 
On XX/XX/XXXX, I checked my account to see a balance of {$5600.00}, when it should've been {$3200.00}. NelNet added an extra {$2300.00} to my account because I destroyed the checks and assumed I deposited!! I called NelNet, and they said they submitted paperwork about the error, and I will be reached out to in XXXX days. on XX/XX/XXXX, I received a missed call from NelNet, and called back to find there was no new information and they were still " investigating. '' On XX/XX/XXXX, I called NelNet again, and the XXXX said she opened a ticket for accounting to specifically investigate. She said to expect XXXX weeks for the issue to be fixed. It is now XX/XX/XXXX, and my account still has an incorrect balance of {$5600.00}. 
I have the checks I cashed ( only {$2300.00} ), and statements proving so. NelNet needs to remove the extra {$2300.00} from my account ( restoring it to {$3200.00}, prior to any payments made in XXXX ) as it was never paid out. They can trace the checks to determine this is true. This should not still be a problem a year later when the mistake was on NelNet from their miscommunication within the company and to customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: NY

Complaint narrative:
I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the Equifax Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the XXXX Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
I contacted this company in XXXX & XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX. The company agreed to remove the account only to find out it was sold to a collection agency XXXX XXXX XXXX. 
Fraud report was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the XXXX Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've been trying to unfreeze my credit with Experian. Their website does not work, going through the process of changing your password does not work. It prompts you for a phone number, asks if you'd like them to text or call, and a text or call never comes. The other option for password recovery is to answer questions set at password creation, but that does not work either ; the " Continue '' button does not do anything, doesn't say if your answers are wrong or right, just leaves you at the same page. Calling the available phone numbers online for Experian, which I found to be : ( XXXX ) XXXX, and another number at ( XXXX ) XXXX, it takes you through talking prompts. At the end all it does is tell you to go to the website ( which doesn't work ), or to mail them, which takes weeks. I called them multiple ( no less than seven ) times at multiple times of day between XX/XX/XXXX and XX/XX/XXXX, and was unable to get a human being on the line. I am fortunately not suffering any fraud problems, but if I were in this same situation and also dealing with a fraudulent line of credit opened in my name, this could lead to disaster for me. At minimum, it is extremely frustrating and at most it could do a lot of harm. This is unacceptable, and there needs to be a way to make contact with a human being in the event that their website does not work ( which it doesn't ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -EXPERIAN HAS NOW TAKEN OVER 60 DAYS TO RESPOND TO MY CLAIM AND HAS NOT DELETED DEMANDED ACCOUNTS REQUESTED UNDER 15 USC 1681a ( 2 ) ( I ) -EXCLUSIONS-. EXPERIAN IS VIOLATION UNDER THE FCRA 15 USC 1681i and 15 USC 1681a ( 2 ) ( i ). EXPERIAN IS REPORTING CHARGED OFF DEBT ON MY CONSUMER ACCOUNT WICH IS DEFINED AS INCOME BY THE I.R.S IS NOW IN VIOLATION UNDER THE FTC DEFINITION OF DEBT PARKING AND I.R.S DEFINITION OF CHARGED OFF INCOME REPORTING INCOME ON MY CONSUMER REPORT. EXPERIAN HAS NOT FILED A FORM! 099C NOR HAS SENT TO ME A 1099C FOR REPORTING CHARGED OFF DEBT AS INCOME AS WELL NOT FILING PROPER TAX FORMS FOR IT. IF THESE ACCOUNTS ARE NOT REMOVED IMMIDIATELY I WILL BE FORCED TO FILE A I.R.S 3949a FORM AND A I.R.S 211 FORM AGAINST EXPERIAN AND ESCALTE MATTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: NCB Management Services Inc.
State: VA

Complaint narrative:
I contacted XXXX regarding this account asking to remove and further proof of this item and provided fraud report in 2021, I recently updated the identity theft report once again requesting the removing of this fraudulent account from my credit report. NCB Management and was previously XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington National Bank for which I am a cosigner for a truck has inaccurately reported XXXX missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a XXXX late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported XXXX late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from Huntington. This company is unlawfully reporting late payments when my bank account verified they come out on time. Huntington does nothing to fix these mistakes.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX ( account was charged fraudulently identity theft ) please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXXXXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for CITIBANK NA, Best on XX/XX/XXXX. Don't ever recall talking to them or to XXXX XXXX XXXX XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TN

Complaint narrative:
XXXX XXXX  has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and 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