vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted an IDR application to move my loans into the XXXX  repayment plan. StudentAid.gov activity history shows the status of this application as " Completed '', along with a description that reads, " Servicer will choose plan ; user provided documentation of income ''. XXXX months later, the loan servicer, Nelnet, sent a letter dated XX/XX/XXXX asking me to " Please submit a new income-driven repayment plan application. '' The reason offered is the following : To consider income-driven repayment plan requests, we must have a completed application and documentation of taxable income ( if applicable ) as outlined on the application. We were unable to process your request because we did not receive all of the required documentation from you as noted in our communications to you, and due to the age of the request, your application has been closed. If you still wish to be considered for an income-driven repayment plan, please submit a new application. 

I have now submitted a new repayment plan application as of XX/XX/XXXX, after months of interest has accrued on the loans since the first application was submitted. I would like Nelnet to quickly review this application and place my loans in the XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX* Balance Owed XXXX {$1800.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00}

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 2024-04-25 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: MA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report, please remove these accounts from my report, they are hurting 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 explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
According to usc 1608b you guy are reporting inaccurate information. USC 1681b this account was bought from a debt that was not mine. It hurting me from getting a house for me and my family. Under the fca this account is inaccurate. XXXX XXXX XXXX  {$750.00} XX/XX/24 these account not right.

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please remove these inquiries? I have no familiarity with them, and they were conducted without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
Ive sent this company a cease and desist yet, this company has refused to adhere to the federal guidelines. More so, my countless requests have been ignored to resolve this matter. This company has also been found to impose as a collection agency where in fact this company is not legally licensed nor insured to collect in the state of Florida. Please have this company cease all collection activities as this is my last attempt to resolve this outside of court. 

* XXXX has blatantly disregarded my numerous certified dispute letters in regards to this XXXX account which is LVNV FUNDING LLC which is present on my credit profile. I have sent multiple method of validation letters requesting how they verified this debt. Also advising of the irrefutable factual inaccuracies pulled directly from their website. Lastly asking for a contract bearing my signature that I owe LVNV. Yet, to no avail the disputes was closed multiple time with no method of validation toward the validity of the debt. XXXX instead of being in compliance with the FCRA chose to update the inaccuracy instead of deleting said account. This is a clear violation of my civil rights and FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to TransUnion pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXX ( # XXXX ). This account held numerous inaccuracies and incomplete information. 

1. The Account reflects being " Closed '' when in fact it was " Paid ''.

2. The Account failed to reflect the Monthly Payment Amount.

3. The payment section says I was 60 days late which is impossible if there isn't a Monthly payment.

4. The Comment section should reflect " Paid '' instead of " closed ''.

TransUnion failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. TransUnion didn't even go as far as Updating this information to reflect accuracy. Therefore, by TransUnion failing to follow the law in relevance of the facts, This Company violated my constitutional rights pursuant to 15 U.S.C 1679c ( a ), ( " the credit bureaus must reinvestigate and modify or remove inaccurate or incomplete information ''. ) As well, in accordance to 15 U.S.C 1681i ( 5 ), the credit bureas are not limited to one option in making a determination. It is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. The law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. Due process requires that If one does not suffice the investigation, then in light of the fruit of the poisonous tree the account is incomplete and 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 non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: LA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

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 2024-04-25 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: LA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Unknown Collection XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Called me at XXXX XXXX on XX/XX/24 from : XXXX Violated FDCPA by refusing to disclose they were a debt collector at all, even after asked multiple times, and only told me the name of the company after I asked instead of when initiating call. Got increasingly aggressive with me just for asking who the company is and what they do. 

Phone call was XXXX seconds and consisted of generally the following : AO : Hello, is [ name ] available?

Me : Who is this?

AO : Alliance One. Can I talk to [ name ]?

Me : What kind of business is this?

AO : *Increasingly aggressive tone* We're a financial company. I need to speak to [ name ]. 

Me : Ok, but what kind of financial company? 

AO : *Even more aggressively* This is about a private financial matter. I need talk to [ name ].

Me : Well your company name and what the company does is matter of public record. Do not contact me again or I will pursue legal action.

*I ended call*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I received a text message from my cousin XXXX XXXX ( XXXX ) Through his XXXX account asking for money. I did not question that request because we had financial transactions before. So, I went ahead and sent the money to the email address he provided ( XXXX ) First name : XXXX, last name : XXXX 

I was scammed by someone impersonating my cousin. 
I want Zelle to provide the real name, date of birth, banking information, and address of the scammer ( XXXX ) First name : XXXX, last name XXXX XXXX 
The scammer must have a bank account before receiving my money. I filed a criminal complaint with XXXX XXXX Police will need this information to do a thorough investigation. 
Please see the attached files for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
XXXX - XXXX XXXX XXXX. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes promptly. XXXX and XXXX have already corrected this inaccuracy on their reports. I urge you to take immediate action to update this erroneous account on my report as well. A written confirmation of its correction would be 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 non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington Credit in XXXX XXXX I have a partial account number XXXX XXXX they charged off my account and provided me a XXXX to file has income. Covington Credit would not work with me when I told them I had lost my job and I was ill and working on XXXX. How can you charge my account off and there insurance paid them for the lost and tell me now I have to file the charge off as income. by giving me a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: MA

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Okay

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 2024-04-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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