vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX  UNAUTHORNIZED INQUIRY XX/XX/XXXX XXXX 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NC

Complaint narrative:
FYI, I have written documentation from both Checkr and XXXX on this matter. Checkr is the company I have a complaint against. 

Original Issue : I had a background check request from XXXX to Checkr and had a typo on my XXXX in Checkr 's system. 

Escalated Matter of Concern ( Complaint ) : Checkr ( the company running the background check ) refused to allow me to correct this SSN number with them and kept stating that it had to be corrected with XXXX  even though the incorrect information is within Checkr 's system. 

XXXX kept telling me that Checkr is supposed to further assist. Checkr keeps saying their 'policy ' with XXXX does not allow for XXXX corrections. Checkr states XXXX must submit a completely new report request and XXXX refuses to do so. This is not in compliance with the Federal Credit Report Act ( FCRA ) on how background check corrections are to be handled. 

Checkr is also not even following the instructions on their help articles per my written documentation in comparison to this link : https : XXXX I am now unable to start work with XXXX because of Checkr 's noncompliance with the FCRA and they are impacting my job prospects due to a situation outside of my control. FYI, I have had another background check through Checkr with XXXX which did go through with the correct SSN in Checkr 's system. This shows that a correct background check would go through and the failure is on Checkr 's part to even review their own system information. 

This matter to me is serious as it involves noncompliance with legal regulations through the FCRA. If an external regulatory body can investigate Checkr, that would bring me relief as these past few weeks have been stressful due to the confusion, back-and-forth, and miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
On XX/XX/2023 I made a payment arrangement for {$58.00} for XXXX weeks to pay off the loan of {$230.00}. However on XX/XX/2023 Ace sent an electronic check for {$230.00} to my bank for the full amount after the payment arrangement agreement. I notified Ace on XX/XX/2023 concerning the transaction and was told to send in my bank statement and wait for XXXX to XXXX for a response. I did and they did acknowledge the documents were received. I have contact Ace Express XX/XX/XXXX and XXXXXXXX XXXX still saying waiting until XXXX hours no respond. They have not offer to give me my money back after they have overcharged me. Fraudulently I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: FL

Complaint narrative:
I owe XXXX $ to Sallie mae currently for a school loan and paid an amount of XXXX $ and have seemed to lose that payment even though I have statements of paying that XXXX $ that somehow went missing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: MOHELA
State: AZ

Complaint narrative:
On XX/XX/29 I called MOHELA to get an update for my XXXX XXXX XXXX XXXX. I was on hold for XXXX hour before my call dropped then for another XXXX hours after calling back. I was at work. Once my call was received I was told that my loan was in default because I had not made a payment this month. When I asked how that was possible because I was enrolled in autopay, the agent told me that MOHELA cancelled my automatic payments on XX/XX/XXXX. I asked how they could do that without my authorization and she had no explanation. I was told I received an email. I was not able to locate an email with a notification. I was later told that they had no record of my autopay enrollment. I have been paying through automatic withdrawal for years and have had no trouble with my payments to MOHELA until now and have never had a late payment for anything. My credit score is nearly perfect. 

Coupled with that my XXXX XXXX XXXX XXXX status has also been a debacle. My application had been approved and my first loan should have dropped off this month. It was approved after having worked as a XXXX XXXX XXXX XXXXXXXX  teacher for a little over 12 years. I recently left teaching and am now employed as a XXXX XXXX XXXX employee. I was told that the payments I have been making were not counting towards loan forgiveness because I did not verify my employment with them. They were not able to explain to me, XXXX why I would need to do that since I have already verified over 12 years of public service, and XXXX. How I would even know they required me to update this information with them. What she did tell me was that I had deferred payments while I was in school, XXXX years ago. I told her that if I have been employed in public service for 13 years ahd have been making payments the entire time, how could I have not accrued enough payments for the forgiveness. Again, no response. I asked to speak to a manager but the agent was unable to find one and I could no longer wait on hold because my phone had no charge and I was not able to plug it in where I was taking the call at work. I was told a manager would call me in 7-10 business days.

It was also my understanding that as a condition of my loan that the forgiveness would be nullified if I had a late payment, one of the reasons I chose to enroll in autopay. I feel cheated and jerked around. I also feel that the long waits and lack of clear information is a way to not follow through with any loan forgiveness. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a natrual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX Account # XXXX Amount : {$7800.00} XXXX XXXX XXXX Account # XXXX Amount : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I have multiple loans under my name that were not open by me. I have already reported this issue to the federal tax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 an 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please investigate and remove this fraudulent inquiries. From XXXX XXXX XXXX. I have not applied for anything because I'm in a home buying process. XXXX immediately as it can affect my home purchase. 

XXXX XXXX XXXX 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 2023-09-30 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute online with Trans Union about a negative item on my credit report. The negative item is XXXX XXXXXXXX XXXX Account Number XXXX I disputed that the Last Payment Made didn't match up with the Payment history. Its showing Last Payment Made was on XX/XX/XXXX but the Payment history is showing a Charge Off for the month of XX/XX/XXXX how is that possible? Once a Charge Off happens the account is closed. This is definitely reporting inaccurately. I sent Trans Union a picture of the incorrect information plus an explanation. They sent me back the same wrong account information but they said that the DISPUTED INFORMATION WAS UPDATED. They never did a proper investigation let alone a dispute. I know for a fact they didn't even dispute the account because where it says " Date Updated '' its showing XX/XX/XXXX this was over a month ago. I did my dispute on XX/XX/XXXX and the date completed was on XX/XX/XXXX they didn't even put Completed investigation of FCRA dispute-consumer in the Remarks section.

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 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I applied to the XXXX program for federal student loans on XX/XX/XXXX, prior to any available information about my loans being updated on the Nelnet website. It has been approved and confirmed, per XXXX Nelnet took well into XXXX to even reflect a balance, let alone a monthly payment. Finally, a monthly payment has been adjusted to reflect an over XXXX XXXX monthly payment. The XXXX application led me to believe a {$76.00} payment would be expected. I emailed Nelnet on XX/XX/XXXX, called XX/XX/XXXX with no answer, emailed on XX/XX/XXXX, and called 3 times on XX/XX/XXXX. I never had issues with my previous loan servicer, now my loans have been sold and I can't get ahold of a person. It's apparently disingenuous to think the largest debt-collecting agencies in the country would know how to... collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: IA

Complaint narrative:
I checked my credit report and I found some fraudulent accounts that i need corrected they are as following on my Experian report I found XXXX XXXX XXXX, XXXX XXXX XXXX are not my name I want them deleted as well as a XXXX collection was fraudulent used in my name. I filed a report with the XXXXXXXX police office the number is case XXXX On my XXXX I found XXXX XXXX XXXX XXXX XXXX 's, XXXX XXXX XXXX XXXX XXXX Illinois XXXX, XXXX XXXX XXXX XXXX XXXX Illinois XXXX i want those deleted as they are incorrect please delete from my Experian account On my Experian account they have my address as XXXX XXXX XXXX XXXX XXXX Illinois XXXX also XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX have inquires i need deleted from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX please delete these are fraudulent thankyou

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 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for, and received, a Citi XXXX XXXX AAdvantage credit card earlier this year for use while traveling in XXXX from XXXX. I was fully aware at this time of a high interest rate ( 29.99 % ). The card was approved with a {$10000.00} credit line. I used this card primarily to earn airline miles. Twice during the XXXX, I moved most of the balance to a lower-interest card already in my possession. My intent was always to try to negotiate a lower interest rate with Citi upon my return home, with a demonstrated track record of on time payments. My payments were close to the minimum payment while traveling merely to preserve cash for use on my trip. 

This past week I contacted Citi first by chat and then by telephone to try to negotiate a lower rate. AT NO TIME DID I TELL OR WOULD HAVE TOLD CITI I WAS EXPERIENCING FINANCIAL HARDSHIP. The responses I received twice were that " there is no lower rate available for this product. '' I was not happy and I ended the second call having expressed that sentiment. 

Today, out of the blue, I received an email from Citi telling me that based on a review of my credit history with XXXX that they lowered my credit limit to slightly above my balance. Within the past month I have received two credit limit increases on other cards and my income increased this year. I reviewed my own XXXX report and there is absolutely nothing that should have triggered an automatic credit line decrease. Citi makes it clear in their email that they will not provide further information. 

Given the facts I have stated above, I believe this decision was punitive and based solely on my request for an interest rate decrease. I don't particularly care the limit on my ability to use the card : I had already decided to make it a priority to pay off my residual balance from travel and stop using the card based on their refusal to negotiate the interest rate. It is punitive because it is solely intended to cause a drop in my credit score by negatively altering my debt-to-income ratio. 

Citi is engaging in predatory lending and account review practices and I believe it is high time for this agency and any other relevant agencies to take action. They will not hurt me significantly for now since I have no intention of seeking credit for major purchases or additional travel. I had no intention of publicly complaining about them until they retaliated against me but I will complain loudly and frequently to anyone willing to listen. 

I am attaching the letter I received today and note that the credit line decrease is reflected in my online account. I do not have transcripts of the phone conversations or chat interaction. In both cases, I asked Citi to document my displeasure, but have no idea that they actually complied.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute XX/XX/2023 for inaccuracies my my credit report, and TransUnion failed to comply TransUnion are not complying with thier own policies in a timely manner, please see attached.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

I would like the following accounts removed : LVNV FUNDING LLC : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} XXXX XXXX XXXX ACCT : XXXX XX/XX/XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal. Also there is an unauthorized inquiry on my consumer report that I have no knowledge of.

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