vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
INFORMATION ISNT ACCURATE IN MY REPORT. MORE THAN 7 YEARS IN FILE THS IS ILEGAL. 

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 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX begging you please remove this to the 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
THIS ACCOUNT IS IN MY RECORD FOR ORE THAT 7 YEARS THIS IS ILEGAL ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: AL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX about getting a new sign made for our businesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expressed that we were on a strict deadline and would only be able to proceed if the signs could be designed and installed by the middle of XXXX. 

He agreed they could do it so we proceeded. I paid them their deposits of {$500.00} on two separate cards XXXX came out and measured the signs and then handed me off to their design team. This is when the entire operation fell apart. 

They became radio silent. I had to send a few e-mails to get any response from them each time, and they kept making excuses, saying their design guy was busy or out on vacation. 

Eventually, he sent me a design artwork and it was nothing like I asked for. I asked them to make very specific changes to it and they went silent again. 

After the 3rd round of this happening, I put a halt to the project and requested a cancellation. It was almost XXXX and their designer was ignoring all of my requests to make changes and would never respond to me. 

They refused to refund the deposits, so I filed a chargeback on my Credit card. 

I just got word that Chase refused by chargeback saying their claim was legitimate, despite the fact that I sent all of the e-mails and proof that they didn't deliver the product I paid for. 

This complaint is primarily against Chase. This is the exact situation that this premium credit card is supposed to protect us from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXXXXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I have not lived in XXXX since XXXX of 2019. XXXX XXXX XXXX XXXX sued me in XXXX XXXX XXXX. I currently live in XXXX. I have requested the purchase agreement for the debt and proof of service of the court summons

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called capital one on XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-10-30 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NJ

Complaint narrative:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. 
All alleged late payments and other transaction and experiences must be removed and ceased to being reported.

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 2023-10-30 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report.

All alleged late payments and other transaction and experiences must be removed and ceased to being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: AFNI INC.
State: MI

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
XXXX XXXX transfer of accounts to XXXX and then MOHELA has been, in short, a travesty. 

I started working in a PSLF-eligible job AFTER XX/XX/XXXX  ( prior to that I was with a private employer from mid XXXXXXXX  ). I kept paying all through the pandemic on my XXXX XXXX account even though it was in forbearance. 

Mohela says even though I had FOUR YEARS of prior public service from XXXX, only nine payments are credited which is not accurate as I had certification submitted by my prior employers. 

Now I'm stuck in forbearance XXXX again even though I timely re-certified for IDR. So, once again, even though I've now been working ( and paying ) for almost a year under another public service job, I'm getting XXXX  because they are not counting my payments as PSLF - they are just extending out my due dates and ASSESSING THE WRONG INTEREST RATES. Only three of my loans are at XXXX percent. The rest are XXXX and should be XXXX, but they've got them as XXXX too. 

No one will call me or message me or email me despite me trying constantly since XXXX and the last time I was on hold on the phone was three hours before I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There were several charges on my account for purchases I did not make. I disputed them and was given a new account number. I no longer have online access to the prior statements so I do not have specific details. The charges were added to my new account and I am expected to make payments based on the new higher amount. I have requested written proof of these purchases.

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 monetary relief
Consumer complaint received 2023-10-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-10-30 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: Nelnet, Inc.
State: MI

Complaint narrative:
NELNET I received your recently letter. NELNET your contract to service the U.S. Department of Education student loans do not start until after a date in XX/XX/XXXX. 
Currently NELNET can only process XXXX claims of federal student loans for the U.S. Department of Education. NELNET I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. NELNET consider that as the last letter you send me. NELNET you stole my identity. NELNET your employer the real U.S. Department of Education wrote you to Terminated the federal student Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal student loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of student loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. Nelnet remove yourself of my credit reports immediately. Nelnet you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. NELNET your in violation of the Fair Credit Reporting Act. NELNET any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that NELNET sent in to open this student loan in my identity and if the CRA can not tell my why> NELNET CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. NELNET I AM NOT GOING TO PAY YOU AN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After several phone calls and mailed in disputes, Experian refuse to remove my old address from my credit report, this is prohibited me from getting credit. I sent in my proof of current mailing address along with my social security card, they still continue to tell me they will not properly update my personal information on my credit file

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I call Experian, XXXX and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any 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