vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am a federal employee and qualified for student loan repayment ( SLRP ). Near the end of my aid payment my student loan servicer transferred from Great Lakes to Nelnet. After my last SLRP payment was processed, my account balance was approximately XXXX dollars between XXXX loans. So I made a payment of XXXX dollars on the account. This payment is reflected in my payment history in my account on their website as well as my bank records. However, next time I looked my balance did not reflect being half paid, it actually went up XXXX dollars. I figured it would adjust when it was fully processed and gave it some time and emailed them about it. 

XXXX I made a payment of approximately XXXX dollars, the balance reflected on their site that I owed. Where the extra XXXX dollars came from wasn't clear as it didn't make sense as interest, but I didn't really care, I was paying my loan off. That payment was applied to XXXX loan and it was reported closed in XXXX to the credit bureaus. However the other loan still is reported as outstanding at a balance of XXXX dollars now. 

I recently filed a dispute with the bureaus to get the correct information as Nelnet 's site doesn't reflect my account paid off, nor accurately provide details as to what is going on and didn't even match their provided statements, and they're entirely uncontactable. The dispute was looked into and they reported back XXXX loan closed in XXXX, and no data for XXXX, conveniently when my XXXX dollar payment was taken but apparently not applied. 

I have screen shots of the account balances, the payment history, and bank records. I have tried contacting Nelnet which has proven to not be possible any other way than by email to which they do not respond. I disputed the balance with the credit bureau to get accurate information and they report they have no data for the month. Yet here I sit still getting charged interest on a loan I paid off XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope the bureaus find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope the bureaus find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

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 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Since XX/XX/2023 I had no access to online account. Contacted chime several times sent requested information to chime several times.This process went on for months. Still no access. Decided to close account. Was told I'll receive my funds in 30days still no funds. Contacted chime to verify I was told they couldn't find account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: AL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
On Monday XX/XX/XXXX I noticed four unauthorized debit charges to my checking account ending in XXXX. One charge was for XXXX for {$100.00}, XXXX {$100.00}, XXXX {$100.00}, and XXXX {$10.00}. My card has always been in my possession. I filed a police report that evening. 

The person I spoke to said that they would file a dispute for the three XXXX charges. She said I would have to call back the next day to file a dispute on XXXX because I have used that service before. 

I call back the next day XX/XX/XXXX. The women I spoke with said she saw an XXXX charge for {$100.00} and not {$100.00} so she was filling a dispute for that charge. 

The next day U.S. Bank charged me seven overdraft charges for {$36.00} each. That is {$250.00}. 

I turned off all overdraft protections from all accounts at U.S. Bank. 

I called U.S. bank on XX/XX/2023 with still a negative account. Nothing heard back from U.S. about these fraudulent charges. The women I spoke to left a message for them. But she did not know the status of the dispute. 

This morning XX/XX/2023 U.S. bank took {$400.00} out of another checking account I have XXXX and transferred it to XXXX. I have overdraft turned off so this should have never have occurred. 

Now U.S. Bank has drawn XXXX negative. They took away the only working checking account we have by drawing that one negative now. 

We are a family of five and have gone a week without being able to purchase basic needs. Now the access to both of our checking accounts and essentially blocked by U.S. Bank by drawing both accounts negative. We are not able to purchase gas or groceries now for a family of five for almost one full week going on who knows how long. 

I called U.S. Bank this morning XX/XX/2023 and the woman on the phone could not reverse that transfer. I have to call the fraud line and they don't open for another 2-3 hours. 

This was not handled right. U.S. Bank should have stopped all overdrafts. They should offer provisional credit for people while the fraud is being investigated. This should take almost a week to get figured out. It isn't right to block people from using their own money.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX  Department of Nelnet XXXX XXXX XXXX XXXX, OR XXXX Subject : Demand for Swift Deletion of Inaccurate Account Information - FCRA Violations To Whom It May Concern, I am writing to demand the swift deletion of the following accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) : 1. Account Number XXXX : This account is reporting an inaccurate date opened, and there are 10 more accounts with the exact same account number reporting inaccurate dates opened, constituting violations of the FCRA .

2. Account Number XXXXXXXX : This account is reporting the date last active inaccurately, and there is 1 more account with the same exact account number reporting the date last active inaccurately as well, which represents an FCRA violation.

3. Account Number XXXXXXXX  : This account is reporting the date of the last payment inaccurately, and there are 10 more accounts with the same exact account number reporting the date last active inaccurately, also in violation of the FCRA .

I wish to make it unequivocally clear that I am not requesting investigations, as the inaccuracies are evident and in clear violation of the FCRA. Further investigations would be frivolous.

My demand is for the swift and complete removal of the inaccurate account information due to its erroneous reporting, as required by the FCRA.

Any delay or failure to comply with this demand will be viewed as ongoing violations of my rights under the FCRA, and I will not hesitate to pursue the necessary legal recourse to rectify these serious violations.

I earnestly hope to find an amicable resolution to this matter through constructive dialogue and cooperation, avoiding the necessity of pursuing any legal actions at this time but if we cant you are criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will have to also follow up with an invoice for said violations ( { {$10000.00} } per violation ).

Sincerely, XXXX XXXX please see attachments to see all the inaccuracies ive been contacting them about since march ive sent in countless letters and received no help with these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WI

Complaint narrative:
I was told by a variety of people that the accounts would be closed but I had to pay for overdrafts generated by the accounts. 
According the their ( USBANK ) that the accounts would be closed and an investigation will be started. 
Jump ahead two months later, the accounts are still open. Again I informed the fraud department that the accounts are still open then I was told that I am responsible for the overdraft fees. The fraud department has suspended my accounts and my password. 
I can not have access to my accounts and I can't get anyone to assist me. Their ( USBank ) fraud department has locked me out and has it that I owe them money now for non payment of my mortgage. 
I feel USBank is trying to get money out of me because I reported these fraudulent accounts and I am fighting to get them closed.

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 2023-11-11 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: AL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: FL

Complaint narrative:
They keep calling me they need to call my daughter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
COMPANY NNEVER RESPONDED PASSED 90 days

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 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc
State: FL

Complaint narrative:
My wallet was stolen back in XX/XX/2021 that possessed my social security card, my iD, & XXXX $ cash I go to apply for credit but have a negative inquiry on my credit balance of XXXX $ I believe. I HONESTLY DONT FEEL like I have to pay for something I didnt go do. I had to dispute cars that was on my ceredit as well & I dont even own a vehicle I had to dispute addresses I never elven stayed at as a result THIS MEDICAL DEBT IS REFLECTING ON MY CREDIT & Im not able to take out any kind of loan cause creditors do small inquiries to see if they should lend to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
I XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Washington, DC XXXX, am writing this affidavit to bring to your attention the inaccurate and misleading information reported by Exeter XXXX, pertaining to my credit file, specifically related to account number XXXX I urge your prompt attention to rectify this situation and take appropriate actions against Exeter XXXX for their violations and deceptive practices. 

XXXX. Inaccurate Reporting of Repossession : XXXX XXXX inaccurately labeled my credit file as a repossession when the vehicle was voluntarily surrendered in XX/XX/2017. The repossession status is misleading and damaging to my creditworthiness as the vehicle was willingly returned, not repossessed. 
XXXX. Violation of Right of Rescission : XXXX XXXX failed to provide me with the right of rescission concerning certain transactions related to the purchase of the vehicle. This violation further emphasizes their lack of adherence to consumer protection laws. 
XXXX. Deceptive Advertising and Violation of 15 U.S. Code 1605 : XXXX XXXX engaged in deceptive advertising practices by misleadingly representing down payments and installments, violating the provisions outlined in 15 U.S. Code 1605. Such deceptive practices are detrimental to consumers and require immediate investigation and remediation. 
XXXX. Misrepresentation of Loan Transfer : Finance reported the account as a charge off and sold it to XXXX XXXX XXXX XXXX XXXX. However, I have not received any information regarding the transfer of the loan, and XXXX XXXX continues to report to credit agencies as the lender. This contradictory reporting has created confusion and uncertainty regarding the status of my loan. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate actions against XXXX XXXX for their violations of consumer rights and deceptive practices. I also request that XXXX XXXX be held accountable for the inaccuracies in reporting and the resulting damage to my creditworthiness. 

I have attached relevant documents supporting my claims, including copies of credit reports, correspondence with XXXX XXXX, and any other pertinent records. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to rectify these issues and ensure that consumers are protected from such unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: MD

Complaint narrative:
XXXX app alerts have been popping up with Black Market Website Surveillance. Saying my information is on the Black Market and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Information was sold on black market because freeze was not put on credit report and my information was compromise.

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 2023-11-11 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: TD BANK US HOLDING COMPANY
State: NY

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. Nordstorm : 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 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. Also as stated in NORDSTROM CREDIT CARD AGREEMENT LINE 10 STATES 10. CREDIT REPORTING ; INACCURATE INFORMATION. 
I hereby authorize TD Bank at its discretion to furnish information concerning my Credit Card Account to consumer reporting agencies and others who may properly receive such information. I may provide written notification by writing to Nordstrom at XXXX XXXX XXXX, XXXX, CO XXXX, if I believe TD Bank has information about me that is inaccurate, or that TD Bank has reported or may report to a consumer reporting agency information about me that is inaccurate. 
There in no inaccurate information of mine with this account all information is accurate as also stated from XXXX XXXX Operations Control Management Lead all information is accurate, but still refuses and continues to report against my will.

Company response to consumer: Closed with explanation