vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: Nelnet, Inc.
State: NC

Complaint narrative:
Sent XXXX & XXXX and Debt Validation to NELNET and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my Nelnet acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the NELNET account has been closed and the amount has decreased. Still no update from NELNET. 

NELNET has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX Navy Federal Credit Union Inaccurate Information XX/XX/2022 Theres two Navy Federal Credit Union accounts on my report. There should only be one account opened. I have never been able to fully open my account due to a restriction placed by 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 2022-11-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I've disputed all these account on my personal account and have not receveied a responce

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TN

Complaint narrative:
I've disputed all these account on my personal account and have not receveied a responce

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 2022-11-09 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:
Upon checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with 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 2022-11-09 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: FL

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX Wells Fargo XXXX XXXX Identity Theft XX/XX/2019 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of 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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
These entities have charged excessive fees and many in which I am unaware of or can not associate to any agreement. A report to IRS is being made to ensure each company is audited as well.

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 2022-11-09 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: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I reached out to Bridgecrest to notify them that I would be late on a payment due to a personal emergency I was going through. I called XX/XX/XXXX and XX/XX/XXXX. The rep that I spoke to assured me about 10 times that I would not be getting a 30 day late notice on my account. Today I woke up to a 30 day late notice on my account. I am in the process of trying to buy a home and this has destroyed my credit score.

Bridgecrest falsely informed me that I would NOT be getting a 30 day late notice. The representative I spoke to today said she listened to my calls and it seemed like a miscommunication on the reps end but refused to remove the 30 day late notice from my credit report. 

I asked for the call to be sent via email for proof that they lied to me and I was told I needed a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: FL

Complaint narrative:
A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MO XXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. ''

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 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
This account was previously deleted from my credit report, due to it being a HIPAA Law violation. It was then sold to another debt collector and placed back on my credit 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 2022-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user and I'm not financially responsible for that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of identity theft and I have no acknowledgement of these accounts

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was a victim of identity theft and I have no acknowledgement of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We purchased our home in XXXX XXXX XXXXXXXX. Mortgage via local firm XXXX XXXX XXXX XXXX XXXX of XXXX, mortgage sold to Mr. Cooper ( Nationstar Mortgage LLC. ) On XX/XX/XXXX, I forwarded a a XXXX " Additional Tax Assessment '' letter from XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a notice of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a noticed of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded yet another notice of delinquent school district taxes including penalties and fees to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a notification of unpaid XXXX XXXX Taxes to Mr. Cooper. 
Today, XX/XX/XXXX, I received notification from XXXX XXXX XXXX, a firm representing XXXX XXXX that there is now a tax lien on my property related to unpaid XXXX Taxes. Upon calling the firm I was notified that there is a second tax lien on my property from XXXX XXXX. 

I am aware that my initial mortgage payment was based on XXXX taxes and did not include tax increases due to a reassessment that year. I have made Mr Cooper aware of this. In response, they have raised my monthly mortgage payment multi times, from {$1500.00} to {$2200.00}, a substantial increase and burden. We have not missed a single payment. My wife and I are in the process of developing a plan to cover our escrow deficit. In the meantime, we expect that our taxes are being paid. Mr Cooper has been completely unresponsive to this issue. Despite correcting the XXXX XXXX delinquency, they obviously made no effort to correct delinquencies related to XXXX XXXX XXXX taxes, despite being notified of the issues multiple times. We now have XXXX tax liens on our property and this is completely unacceptable. I spoke with Mr Cooper today and demanded action and a call from the escrow department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
on or around XX/XX/22 I received a letter from I.C. System INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regrading a claim that I owed a debt for a XXXX XXXX account XXXX The letter clearly states that " how can you dispute the dispute the debt? '' call or write! so I called before XX/XX/22 a spoke with a rep ( did not get her name ). I gave her all my information and was told there was a {$650.00} debt from some address in XXXX  I told I never leaved or been to XXXX I have never even had XXXX I have no knowledge of this debt and I want to dispute it in its entirety. she said okay. Today they have attacked my credit by reporting it to collection trying to cause financial harm, XXXXXXXX stress, and false character XXXX. This is not my debt there is nothing that links me to this account and on the letter they sent me my name is even spelled wrong and name I've used. I spoke with them today and was very upset, because this is a waste of time, money and resources. I will look into legal action because this is not right, but I want to place them on notice with some kind government regulatory to help stop them from doing this to other.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX  XXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NC

Complaint narrative:
Received notification from creditor without information validating the debt is owed by me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXXXXXX PNC Bank XXXX  XXXX Identity Theft XX/XX/2016 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank Home Mortgage made a change to the above account ( Account Information section ), related to the Second mortgage, and a XXXX XXXX XXXX. ( See attached XXXX ) I contacted US Bank Home Mortgage , directly , on XX/XX/22, and asked them to provide, in writing, what change US Bank Home Mortgage made to the account and why. I was told I would receive an emailed response from US Bank Home Mortgage by XX/XX/22. I did not receive a response and had to contact US Bank Home Mortgage again to request the status of my request. I contacted US Bank Home Mortgage again on XX/XX/22, and XXXX ( US Bank rep ) informed me that I would receive a response within the hour. I received an email from US Bank on XX/XX/22 that contained only a XXXX XXXX to Note. There was no direct explanation or detail as to why US Bank made the change to my account. 

I respectfully ask that your office 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 explanation