vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Nelnet, Inc.
State: LA

Complaint narrative:
They double charged me and the promised that since I returned to school they would drop the first charge and only charge me for the return well they lied and double charged me can u please close this account satisfactory

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX 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 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 the a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I was approved for a loan by USAA, and I originally submitted the funding request from a licensed, registered dealer ( XXXX XXXX XXXX  ) on XX/XX/XXXX. It's now XX/XX/XXXX. Since then both the dealer and I have been told that the funds will be sent in 1-2 business days on at least four separate occasions. USAA has changed the story several times on why the loan is taking so long, saying that it's being reviewed, or that they need to verify the dealer, or simply saying that it's going through their process. At one point they said that they need to verify the dealer, so I gave them two phone numbers and an email address for the dealer and offered to send them a copy of their license ( which the dealer happily and immediately provided when asked ). USAA told me that they verified the dealer. Several days later, USAA said they had NOT verified the dealer. They openly acknowledge that they don't need any more information from either myself or the dealer, but won't explain what action ( if any ) they're taking. IF the issue is still 'verifying the dealer ' I looked up the dealer 's license and contact information from my smartphone WHILE ON THE PHONE WITH USAA and offered to send it to them, which they declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I requested that a number of items on my report be investigated and verified. As of today XX/XX/2022 I have yet to hear anything back stating that a investigation has begun or been completed. This has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX 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 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 the a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX 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  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 the a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I requested that a number of items on my report be investigated and verified. As of today XX/XX/2022 I have yet to hear anything back stating that a investigation has begun or been completed. This has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX AND EQUIFAX CREDIT REPORTING AGENTS ARE IN FACT LISTING ON MY PERSONAL CREDIT REPORTS INACCURATE AND FRAUDULENT INFORMATION IN MY GOOD NAME. NOW DAMAGED. 
ACCOUNT NAME CREDITOR XXXX XXXX XXXX I NEVER OPENED THIS ACCOUNT. 
I HAVE FILED AN FTC REPORT AND CONTACTED XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This is the first time I am hearing about a debt that I owed for Speedy Cash. 
I emailed them disputing this transaction and requested proof of debt.

Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX. 

SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Several days now I can log in online or mobile but when I tap or click the personal checking account - it takes me to a blank screen, I have not been able to view my account activity, and the bank rep have not been able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Company Is Experian. 

I have been disputing an account with XXXX XXXX XXXX, for years now. 

Each time, it seems like all they do is reach out to XXXX XXXX XXXX via some automated system and then take their word for it, despite providing proof that the company was not reporting accurate information. 

The past time, XX/XX/XXXX, I spoke with someone on the phone in the Disputes department for over an hour we went through all of the documentation, including results of my CFPB report about XXXX XXXX XXXX and the advised that they would be reopening the dispute and requesting that the account be removed from my credit report, due to the fact that I had a letter from XXXX XXXX XXXX admitting the account was supposed be in Closed and Charged off since XXXX and XXXX XXXX XXXX was still reporting it as Open, Late, and Increasing the amount owed on the account each month. He even escalated the issue and reviewed it with his supervisors to ensure it was the correct path of action to take. 

Despite this, the dispute came back this morning, marked as " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' and they once again increased the amount owed on the account. 

At this point it seems like they just rubber stamp whatever the company reporting to them says, and they actually don't may any attention to what is really 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( XXXX ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, FIRST XXXX BANK # XXXXXXXX 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Hello, my name is XXXX and I have struggled with my credit my whole life due to living paycheck to paycheck. After years of adolescent ignorance and lack of personal responsibility, I have had a USAA XXXX ( the only type of credit I could get approved for for years ) now ) i Just got my score above XXXX, after much diligence and smart choices. Unfortunately I had to max out my card several times, but Set my payments to make double the minimum due twice a month, and that seems to get the balance down fast, until I could make the early payment I had done for months consecutively.. But unfortunately I was waiting on my tax return and a paycheck the same few days of being terribly broke. THEN IT CAME! A good check and a good tax return. And IMMEDIATELY I paid the card off in full.. thats when I noticed a late fee.. I curious what this was as Id never seen it before, then I realized my payment was due the day prior to me paying off the card entirely. I callled USAA and they confirmed the card balance was paid off in full, but unfortunately it wasnt until it had already been reported and I was told by USAA Id have to contact you guys, bc they cant go back. BUT since This, I havent missed a payment but see it as a delinquent payment.. Ive attached a payment history on the card so you can see the number of payments Ive made on time in hope you can waive this one payment that was HOURS too late. 

All of my other credit has charged off and is closed so I cant do anything ab it but wait, unless you have any suggestions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Debt Co LLC
State: IL

Complaint narrative:
XXXX 2022 email from debt collection informed they were trying to collect funds owed to XXXX  is a certified agent of the veterans XXXX and cant attempt to collect from veterans who have received awards for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent out a certified letter to Experian requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent Experian a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On XXXX XXXX XXXX pulled my credit report ( XXXX ) XXXX received an alert from XXXX XXXX who alerted this inquiry. I place a Fraud Alert on my credit report back in XX/XX/XXXX. I never applied for credit with that bank ( never heard of them ). I filed a police report too on XX/XX/XXXX. I contacted Avant customer service and explained the fraud and not to issue credit because I never applied. I also asked them to expunge the inquiry and I emailed their fraud dept too. They said they would contact their fraud dept and some one would be in touch within 10 days. No one contacted me so I called back and they said they emailed me the required paper work but I never received it. They said they would send it again but again I never received it. They would not give me a telephone number to their fraud dept and they had no supervisor that I could talk to. I then contacted XXXX to get involved and sent them a copy of my police report and letter explaining what happed and what I wanted. As of today, the inquiry is still on my report and i have received no information from Avant on if an account was opened and why they didnt contact me with the fraud alert on my credit report.

Company response to consumer: Closed with explanation