vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
IN XX/XX/2023 I OPENED A CHECKING AND SAVINGS ACCOUNT UP ONLINE. I WAS GIVEN A CHECKING AND SAVINGS ACCOUNT NUMBER. A WEEK LATER I RECIEVED A LETTER INFORMING ME THAT MY ACCOUNT HAD BEEN CLOSED. WHEN I CALLED HE NUMBER ON THE LETTER I WAS TOLD IT WAS BECAUSE I HAD NO ADDED FUNDS. I OLD THEM IT HAD ONLY BEEN A WEEK. THEY REFUSED O CONFRIM HE REASON AT THAT TIME. I THEN WENT TO A LOCAL BRANCH TWO WEEKS AGO AND I WAS GIVEN M OLD ACCOUNT INFORMAION. AT TTHE BOTTOM OF M ACCOUNTS IT SAID FRAUD. I SHOWED THE BRANCH MANAGER MY ID 'S TO VERIFY MYSELF. I THEN RECEICED A CALL FROM A XXXX IN THEIR RETAIL DEPT AND SHE TOLD ME PNC DID NOT WANT TO DO BUSINESS WITH ME. I THEN RECEIVED A CALL FROM A PAIGE VIS EMAIL AND PHONE CALL LAST WEEK. SHE XXXX HAS NOT RETURNED MY CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CT

Complaint narrative:
My loan servicer, NELNET, is completely inaccessible right now. Today, XX/XX/23, I attempted to log in via the Nelnet App on my phone, and the app does not work. A screen pops up for me to log in, but then when I entered my credentials, nothing happened, and I am still on the log in page. I also tried to log in via the nelnet website, and am experiencing the same issue. 

The company is not reachable by phone -- - when i called their XXXX number, there was a message stating that the wait time was well over 30 minutes, and no option to have them call me back. 

I need to make payment on my student loans, but have no means to access my nelnet account to make this payment, and I am not sure what to do. 

This is not the first issue that i am having with Nelnet 's online payment processing system either. My other issue is that when a borrower makes a payment that is greater than the minimum payment due, there is supposed to be an option to " not advance the due date '', and while there is a box on the screen showing that option, you can't actually click on it. When i first discovered this issue last year, i called Nelnet ( sorry, i didn't write down that date ) and told them that i did not want my overpayment to advance my due date, but that the button to indicate this on the payment page was not functional. They supposedly manually input that request into my account, but then continued to advance my due date anyway. 

At this point, my biggest concern is the fact that the company is not reachable to me, their website and app are NOT working, and thus, I have no idea how i am supposed to make my next loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your 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 2023-07-28 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: NC

Complaint narrative:
XX/XX/XXXX I have some concerns reguarding late payments appearing on my credit report. XXXX XXXX account no # XXXX and XXXX XXXX XXXX account XXXX These accounts have been verified. What method of verification do they use? 15 U.S. Code 1681i - Procedure in case of disputed accuracy.These late payments are reporting inaccurate. The last payment i made to nissian was in XX/XX/XXXX of {$500.00}. I was never late. They refused to help me keep it in XX/XX/XXXX. I had called them for assisstance, they refused. 15 U.S. Code 1602 - Definitions and rules of construction 15 U.S. Code 6802 ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information. 15 U.S. Code 6803- ( a ) ( b ) ( c ) Disclosure of institution privacy policy. 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681a 2 ( A ) ( i ) .15 usc 1681a4 i have right to privacy. usc 1681 ba2 cant publish without my written instruction. usc 1681b- permissible purpose. usc 1681s-2- a person shall not furnish any information relating to a 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 2023-07-28 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: NC

Complaint narrative:
XX/XX/XXXX I have some concerns reguarding late payments appearing on my credit report. XXXX XXXX account no # XXXX and XXXX XXXX XXXX account XXXX These accounts have been verified. What method of verification do they use? 15 U.S. Code 1681i - Procedure in case of disputed accuracy.These late payments are reporting inaccurate. The last payment i made to nissian was in XX/XX/XXXX of {$500.00}. I was never late. They refused to help me keep it in XX/XX/XXXX. I had called them for assisstance, they refused. 15 U.S. Code 1602 - Definitions and rules of construction 15 U.S. Code 6802 ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information. 15 U.S. Code 6803- ( a ) ( b ) ( c ) Disclosure of institution privacy policy. 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681a 2 ( A ) ( i ) .15 usc 1681a4 i have right to privacy. usc 1681 ba2 cant publish without my written instruction. usc 1681b- permissible purpose. usc 1681s-2- a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-28 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: AFNI INC.
State: MI

Complaint narrative:
AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . Original creditor : XXXX XXXX XXXX XXXX Contact info Name AFNI , INC . Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: OK

Complaint narrative:
I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on Transunion and {$3600.00} on XXXX and XXXX. The terms are 51 months on XXXX, but monthly on Transunion and XXXX. It was last reported on XXXX different dates, XX/XX/XXXX with Transunion, XX/XX/XXXX with XXXX, and XX/XX/XXXX on XXXX. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. There is also an inconsistency with the way the comments on the account are placed between Transunion and XXXX. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my XXXX, XXXX, and Transunion credit reports for inaccurate and unfair reporting.

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 2023-07-28 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: OK

Complaint narrative:
I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on XXXX and {$3600.00} on XXXX and Equifax. The terms are 51 months on XXXX, but monthly on XXXX and Equifax. It was last reported on XXXX different dates, XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX on Equifax. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. There is also an inconsistency with the way the comments on the account are placed between XXXX and Equifax. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my Equifax, XXXX, and XXXX credit reports for inaccurate and unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2023-07-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
Account Number : XXXX is reporting a past due amount of XXXX DOLLARS when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX DOLLARS on my consumer file. This is beyond foolish. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. I'll be taking this as willful non-compliance by you the furnisher, and pure negligence against me the consumer as you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have inaccurate addresses on my consumer report ( XXXX, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PENN CREDIT CORPORATIOXXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inaccurate addresses on my consumer report ( XXXX, EQUIFAX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief