vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan Financial services is reporting a CO ( charge off ) on XX/XX/XXXX, when in fact it was actually charged off inXX/XX/XXXX. It used to show the charge off accurately as XX/XX/XXXX, and then they changed it, thus repeatedly hurting my credit. I paid the debt in good conscience to sure up the creditor, although I didn't think they would try to utilize me paying them to further hurt my credit and RE-Charge off the account. I have provided a picture of how this is being reported on XXXX, and I have also attached a document/pdf that was provided to me by XXXX ( Customer Care Specialist ) from Elan Financial services that details that the account was actually charged off in XX/XX/XXXX in their own words. I have highlighted this in yellow in the document attached. 

I would like this to be corrected on my credit report ( s ) with not only XXXX, but all credit reporting agencies. I hope to not have to continue to spend more time on fixing this than I already have. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
Old National Bank issued a {$50.00} invoice for a never used HELOC with {$0.00} balance on it. Despite being set up on auto-pay with Old National Bank and never having a late payment in my life, the bank failed to deduct the {$50.00} charge from my checking account and reported the payment as late on an untouched {$0.00} balance account. Because the account balance showed as {$0.00} online, there was no other way to pay this bill. I contacted the bank in XX/XX/ and they agreed to deduct from my linked checking account and they would contact the appropriate credit bureaus to correct their error. They have not done so and it is now negatively impacting my 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am unable to obtain a accurate score or to have the information updated. with XXXX XXXX or Transunion they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am unable to obtain a accurate score or to have the information updated. with XXXX Equifax or XXXX they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XX/XX/23 I paid off my bill by phone. I received a confirmation number that the payment was received, I received a confirmation number and the system stated that my balance was now XXXX. On XX/XX/23 I went to the XXXX store to make a purchase and attempted to pay with my XXXX card and the transaction was denied. I called the card company and found out that my prior balance that I though was paid off was still on the card with an additional {$30.00} amount on my balance. I called the company and they told me that my payment in XXXX did not go through as they were unable to locate the account and that the additional {$30.00} was a returned check fee. They did remove the {$30.00} bringing my balance back to the original amount that I tried to pay in XXXX, but because my payment due date was XXXX and I am now making a payment XX/XX/23, I would be charged a {$30.00} late fee for the month of XXXX, however it was unbeknownst to me that I even had a balance as I paid it off in XXXX. With regards to the payment not going through, they told me that they could not locate the account that I paid them through, however as stated above, their automated system provided me with a confirmation number and stated that my balance is now XXXX. I paid off the bill, including the " late '' fee of {$30.00} for XXXX just so I could close the account and not have anymore liability with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have submitted several disputes to the credit bureaus equivalent, XXXX and transunion. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number 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
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted several disputes to the credit bureaus XXXX, Experian and XXXX. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: DE

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # ending in XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-11-10 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:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
The first email I got from Nelnet was on XX/XX/ with my first statement since payments resumed. The amount was {$380.00}. I called them and waited on hold for 2.5 hours, once I talked with someone I changed my payment plan from income driven repayment to the extended graduate program. She told me my payment would be {$160.00} with a small fee for changing my payment. I got a statement for {$190.00} on XXXX I made the payment on XX/XX/. I got an email stating that I needed to call Nelnet and confirm the change of my payment plan on XXXX I called again and waited another 3 hours, but I confirmed the change. On XXXX  I got an email with my billing statement that said my payment due was {$550.00}. I called Nelnet on XXXX I waited for 3 hours before I talked to someone, and I was on the phone with the lady for 45 minutes. She assured me repeatedly stating that the problem would be fixed and that I could check Nelnet.com again in a few days and the payment due would be changed to {$170.00}. I asked her for some sort of email confirmation that stated that my payment was changed and that my payment plan was changed to the extended graduate program. She said they were unable to do that. She again reassured me that the problem was fixed. I looked today on XX/XX/ because my bill is due on the XXXX. I logged in and my payment due is still {$550.00}. I logged in to student student aid.gov and it is still showing that I have an income driven repayment plan. I am currently on hold with Nelnet for the fourth time and have been on hold so far for 47 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/2023 I made a payment regularly to XXXX XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2023 I made a payment regularly to capital one for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to Capital one who is saying they have no record of the call!

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: UT

Complaint narrative:
The wait times to get a hold of Nelnet to service my student loan account have been insane for months. I have called multiple times since the pause ended only to be told by a robotic voice that the wait times are upwards of two hours with no option to be queued and called back. As a working professional that is actively contributing to society every day, it is extremely rare that I have two hours to burn to listen to terrible hold music while I patiently wait for someone to answer the phone to answer basic questions about servicing my student loans. I live in the mountain time zone and practically all of their customer service hours are during the work day, so it is virtually impossible for me to commit the time required to speak with a human being at Nelnet. 

If the government wants its money back so badly, then it needs to fork out the cash to service the portfolio. It's insane and frankly insulting to expect borrowers to enthusiastically pay their loans back while contracting with a servicer that literally does not have near the resources required to perform the most basic and critical functions of servicing a student loan portfolio. 

Additionally, when the pause ended, I had some loans that were in their grace period and others that grace had been exhausted on. I applied for the SAVE program and only my loans with exhausted grace went into the SAVE program. The rest of my loans still in grace remained in Extended Standard Repayment. I was forward thinking enough to call Nelnet ahead of the pause and was able to speak with someone about this and was assured that my loans in grace would go into SAVE as soon as they converted into repayment. Those loans converted on XX/XX/ and unsurprisingly remain in Extended Standard Repayment. So Nelnet 's representatives just made up an answer to my question rather than just saying " I don't know, let me follow up with you '' and actually taking the time to figure out what was going on. 

It is infuriating that the federal government has refused to support its student loan portfolio 's borrowers at nearly every turn. To add insult to injury, the DOE has decided to contract with a terrible, good for nothing servicer. I am so disappointed that they went with Nelnet because XXXX XXXX was so much better. 

Bottom line, the government needs to ensure that its student loan servicing vendor has the resources it needs to service the portfolio. It is literally the bare minimum required to get their precious student loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX. RESULTS OF DISPUTE - DELETION OF COLLECTION -PYOD, FAILED TO SUBMIT THIS DISPUTED RESULTS TO ALL CRAS AND ONLY SUBMITTED TO ONE AND HAVE BEEN NEGLECTION AND IGNORING MY REQUESTS TO REVISE. I AM TRYING TO FIX MY CREDIT AS ITS EFFECTING MY LIFE. PLEASE STOP IGNORING AND UPDATE. I WILL SEEK LITIGATION

Company response to consumer: Closed with explanation