vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-06 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: Nelnet, Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by Nelnet. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to Nelnet, have not been serviced by Nelnet since XXXX. I received this information directly from Nelnet. 

Despite numerous attempts to resolve this issue through Nelnet 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Nelnet for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After receiving a, " DARK WEB ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes . '' BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : 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

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 2024-03-06 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: AR

Complaint narrative:
Teletrack is reporting information on my credit report/file to bureaus without my writen consent or knowledge. I have requested that this reporting cease, that I receive a copy of the report/file, that I receive copies of the sources and report recipients, and description of procedures for reinvestigation/investigation. I would like to opt out of Teletrack until written notice is provided to opt in by me. I would like information removed from all bureaus and recipients that they have reported information to. I provided my state driver 's license as proof of identification and they have refused to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Numerous calls per day and on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NC

Complaint narrative:
I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF 15 USC 1681B FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-06 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: TX

Complaint narrative:
I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries.

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 2024-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
My daughter was billed for services XXXX XXXX XXXX XXXX XXXX called and the insurance company covered. Then I recieved collections from the hudson valley XXXX XXXX in my daughters name and a seperste communication in my name for the same medical bill that was paid already. 

I told them to cease communication and the bill is invalid. 

I verified with the hospital that no bill is due. 

They are disrespectful and feel.like they can't be held accountable for their actions. 

They have illegal.practices amd cause undue stress to families.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
There is a XXXX XXXX XXXX XXXX reporting on my credit report that is not mine. I don't know where it came from. Maybe it is reporting in error. But in any case, please assist me in getting this removed from my Transunion 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing in regards to XXXX credit cards that have been opened without my knowledge.One card was opened in XXXX of XXXX which has a balance of {$2700.00} and the second card was opened in XX/XX/XXXX which has a balance of {$4000.00}. I would like for the accounts to be closed and removed off of my credit report by the XXXX credit bureaus. These cards are not mine and and fraudulent. I would like this to be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, I consolidated my XXXX student loans that qualified for the Direct Subsidized Consolidation Loan ( DLSCNS ). My XXXX XXXX was XXXX of the XXXX consolidated loans. 

My Direct Subsidized Consolidation Loan was subsequently managed by Mohela ( Account No. XXXX ). 

I paid off my consolidated loan and Mohela sent me a letter, dated XX/XX/XXXX, informing me that I have achieved a " PAID IN FULL '' status. 

XXXX months later, however, after paying off my consolidated loan, the XXXX XXXX XXXX XXXX XXXX sent me a letter ( generated on XX/XX/XXXX ), which indicated that I have an outstanding loan ( Account Number XXXX ) with a " Payoff Amount thru XX/XX/XXXX '' of {$3700.00}. 

I have been paying off my consolidated loan to Mohela every month since XX/XX/XXXX. But the letter I received from XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, was the first time in 14 years that I have heard from them ( XXXX XXXX XXXX XXXX XXXX ). 

Accordingly, on XX/XX/XXXX, I telephoned Mohela customer service ( XXXX ) and spoke to " XXXX '' in order to inquire why my XXXX student loan has not been paid off. XXXX informed me that she does not have the information and will have to do a " payment history request '' from Mohela XXXX XXXX department ; which will take about XXXX business days. 

As of this date, I have not received any correspondence, nor any other reply, from Mohela. 

Therefore, I am submitting this complaint to ask for help. The remedy I seek are as follows : XXXX ) for Mohela to give me the SPECIFIC NAMES of the XXXX consolidated student loans on XX/XX/XXXX ; XXXX ) when did Mohela pay my off my XXXX loan and where was the money sent? 

XXXX ) Mohela send a letter of proof/confirmation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan ( Account Number XXXX ) has been paid in full, and that this account is closed. 

I look forward to your response. 

Respectfully, 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 2024-03-06 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: TX

Complaint narrative:
I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon opening a regions checking account XX/XX/2023 at least once or twice a month ( when I deposit a check weekly ) is held for a minimum of 4 days. They never give me a specific reason why nor are they able to release the hold. The letter they say gets sent each time with more detailed information says the exact same thing the email says and the exact same thing the customer service representative can tell me. Just general information that doesnt apply to anyone specifically. Initially I was told it was due to the age of my account and that once I got to 6 months it would stop happening. It has not stopped. My account is never in the negative, none of the PAYCHECKS have ever been denied due to lack of funds. There is genuinely no reason for it. The checks are never over {$1000.00} so its not even like theyre big number checks. They average $ XXXX. Ive spoken to a few friends who have had the same issue and have resorted to cashing the checks and then depositing the funds for use. I shouldnt have to do that. I have XXXX XXXX  children and limited time to be doing things like this. And regular expenses like most people that are constantly affected by these held checks. Whats the point of having the ability to deposit a check if I then have to wait a minimum 4-11 days to actually access my money. No one can give me a reason why. The checks are from another regions account so that shouldnt even be a factor. I dont understand and Im tired of it happening.

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 2024-03-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis credit has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking Genesis credit to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: GA

Complaint narrative:
In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to experian, XXXX and XXXX immediately as fraud and also reported them to XXXX. XXXX stated that the account was canceled then in XXXX it populated back onto my bank account. I never authorized opening any accounts, nor did I sign for any cards, also I never used the stated card. I have no active XXXX cards opened in my name, nor have I ever opened XXXX or missed a payment with my credit cards. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. Since then we have contacted the sheriffs fraud department and initiated an investigation. XXXX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated.

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