vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was going through my credit report from the 3 major credit bureaus ( transunion, XXXX, and XXXX ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was going through my credit report from the 3 major credit bureaus ( XXXX, XXXX, and equifax ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I was alerted by XXXX that my address had changed to a XXXX XXXX located in a different state. Since I have never lived at this address I became extremely concerned. However, I also recognized this address as the same city and state my ex husband lives. In speaking with XXXX, I learned that it was the Federal organization, NelNet, where my student loan is, who reported this address to the credit bureaus. I went on line to my NelNet account, and sure enough, someone had changed my address without my knowledge or my consent. I immediately contacted my ex by text message, and he did confirm that he had been receiving Nelnet mail at his address in my name. I spent several communications with Nelnet to have my address changed back to the correct address. When making my most recent payment, on line, I noticed that my account address had been changed again to a different address which is also connected to my ex husband. Although my ex husband is a co signer to my NelNet loan, I am the primary loan holder and the information is in my SSN. The divorce does not allow my ex husband to be an authorized payer within the Nelnet account. He must submit his payment to me and then I make the monthly payment. In speaking with a NelNet Adviser my concern for the seriousness of this situation was minimized and he even insulted me by referencing my complaint as " bickering '' with my ex husband.

When I asked the NelNet Advisor if someone from NelNet could contact me whenever someone tried to change my address by phone, he said " No. '' In addition to my credit reports, my NelNet 's  personal tax info now has my ex husbands address on it. 
I spoke with the post master in the state where I live, and he was able to provide me with a print out of my forwarding address requests, which confirmed that I never lived at the address in question or made a forwarding request for it. The post master explained that since I'm receiving all other mail at my correct address, someone from that address must have contacted NelNet by phone and made this address change directly with them. To do that they would need to know my full birth date, or even possibly my SSN to make those changes over the phone. Since NelNet refuses to accept any responsibilities in the role they played in this, and since the credit bureaus won't allow me to dispute an address you never lived at until you resolve it with the creditor, I'm at a loss as to what to do next. Can you please contact me to tell me what I can do to resolve this and to protect myself from this organization? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have two inquiries still showing on my XXXX credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from XXXX and Chase Bank and it still shows. This only shows up on XXXX but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I have two inquiries still showing on my Equifax credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from Equifax and XXXX XXXX and it still shows. This only shows up on Equifax but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed an order to install customized drapery for my home with XXXX XXXX, decorator for JCPenny. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about  the issue. She emailed me the next day and said the she will look into the issue. On Friday XX/XX/XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XX/XX/XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with their Credit card ( XXXX XXXX ).  Unfortunately they did not try to resolve the dispute. Instead they sent me a letter after about 2 months stating that " Special order items are charged at the time the order is placed is placed rather than when it is delivered ". They used the wrong reason to deny my claim. The actual reason for the dispute was JCpenny failed to install the right drapery. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator.

I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on two occasions : XX/XX/XXXX and ; XX/XX/XXXX. 
I have attached supporting 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 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
This complaint is regarding a debt with XXXX that occurred over five years ago in which the company charged me incorrectly. At the time, I contacted XXXX attempting to dispute the amount but there was no resolution. My account was immediately sent to collections and it was subsequently charged off with a reported debt of over {$400.00}. Several weeks ago, I noticed that the charged off mark from XXXX had disappeared from my credit report and assumed that it had aged off per the statute of limitations set forth by the FDIC. 

However, that was not the case. The XXXX debt was apparently sold to a debt buying company because today a new creditor called XXXX XXXX XXXX has flagged my account with a brand new debt of {$550.00} carrying a due date of XX/XX/2018 which is today. 

It is clear that this action was taken by XXXX and XXXX to circumvent the consumer protection law regarding time limitations on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Payment never late. The amount paid was incorrect, lower than the amount due, because of an error when paying. When the error was discovered, it was corrected immediately. Never late before or since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Payment never late. The amount paid was incorrect, lower than the amount due, because of an error when paying. When the error was discovered, it was corrected immediately. Never late before or since.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capital One Credit Card to begin rebuilding my credit. I funded the prepaid credit card from my " Capital One Bank Account ''. After a couple weeks of charging the card, I wanted to pay the balance down. Not in hopes of using it soon, but to let it sit and help rebuild my credit. After making the payment, I noticed the bank account the payments were set to come from was an account i did not add. In fact, it was an older account I had years ago. An Account I have not had access to in literally, YEARS. After realizing this, I contacted the company to alert them to the error, Although an account that was listed, not added by me nor on my behalf. It was not even the account that was used to fund the card. Mind you, its a capital one bank account as well. So after telling whatever representative i was speaking with the account error, he did not help to cancel the payment, nor notate my account for anything I informed him of. And Yet again, I DID NOT ADD THE ACCOUNT AS A PAYMENT METHOD TO MY CREDIT CARD. So after a week, They closed my credit card account. I attempted to call, spoke with a manager in the fraud department. He informed me, the transaction was flagged as fraud. I did not attempt to make any purchases or anything with the card since the payment was attempted. I informed him of what occurred, which is everything I explained above. I have direct deposits with the company that comes from my employer, have been an investment client with the service. NEVER HAVE I EVER BEEN TREATED SO HORRIBLY BY A COMPANY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from 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 non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The XXXX that is reporting on my credit report was included in my bankruptacy.

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from 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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The XXXX XXXX XXXX is reporting duplicate chargeoff on my credit report. Both was a part of an identity 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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have contacted the company and the credit bureau several times and advised them that this is not my account. This account is not listed under my social security number because it, it not my account. It should not be on my credit report. I would like this inaccurate information removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
At the beginning of XX/XX/XXXX I had a " jump on demand plan '' with XXXX, which enable me to switch devices every 3-4 months. In XX/XX/XXXX, XXXX decided to switch my plan from personal to business, an so, the made me exchange my phone for a new one, but the exact same model, because of my new " type of account ''. Theere days after they told that I received a new XXXX phone on the mail. I returned my old phone one week after the new one arrived at a XXXX store in Illinois. Everything returned, XXXX balance and closed account. Right? Well ... apparently no ... 9 months later, checking my credit scores I'm noticed that XXXX and XXXX are showing that account on collection. I called several times XXXX and they keep saying the same : that account is closed, and that my new account it is in good standing. 
I tried to dispute this on their sites without luck. Apparently, if you don't have a paid subscription, you can't dispute incorrect information fairly. Although XXXX  is offering to call them to open the dispute, XXXX doesn't even have that option at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation