vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: TX

Complaint narrative:
I reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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 reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.

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 2023-12-31 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: OH

Complaint narrative:
I am writing to bring to your attention a major issue regarding the recent payment I made towards my Nelnet student loan account on XX/XX/XXXX of 2023. 

Upon reviewing my account statement, I noticed that the payment made on XX/XX/XXXX has not been correctly applied to the principal balance. Instead, it appears that the payment has not been allocated properly, as the interest continues to accrue despite the timely payment. 

I would appreciate your prompt attention to rectify this matter and ensure that my payment is correctly reflected in the principal balance. It is crucial for me to have accurate records of my payments and for them to be applied in a way that minimizes interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: AZ

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. 
Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account XXXX : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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.

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: AZ

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXXXXXX XXXX. They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017

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 2023-12-31 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: NY

Complaint narrative:
Equifax, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Equifax credit report. I did not authorize the following inquires : I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Address : XXXX INQUIRY DATE : XX/XX/2023 INACCURATE & INCORRECTLY REPORTED XXXX XXXX XXXX XXXX XXXX DATE : XXXX INACCURATE & INCORRECTLY REPORTED XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX INACCURATE & INCORRECTLY REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
Upon applying for the IDR ( SAVE ) plan, I was informed that my estimated payment will be somewhere around {$250.00} a month give or take. Some time towards the end of XXXX almost XXXX I logged into my Mohela account t and saw my total due amount jump to $ XXXX. I decided to submit a new IDR application just incase there was an issue. I then contacted Mohela to find out why my amount increased almost by 100 % and they were unable to explain why. They did however place my account into forbearance while they reviewed my recently submitted application to adjust the amount. This took place in XX/XX/2023. Somehow after resubmitting the application my new balance due post forbearance has gone up to $ XXXX. I have included my application submitted XX/XX/2023 for reference along with a screenshot of my current balance as of XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: OH

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 XXXX XXXX XXXX account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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.

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 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So In XXXX Chase closed my credit card due to " inappropriate conduct '' i believe they closed it because they don't like that im critical of them because when you have an issue with chase their customer support agents don't help with anything they deny your help 100 % of the time employees don't give enough information on your issue. For example i filed a dispute on XXXX in XXXX of 2023 because they charged me on something they should not have a few weeks later chase sides with them and reverses the chargeback i call customer support and they say that XXXX tried to contact me and i didnt respond witch is not true and to reach out to the merchant but the merchant did not want to respond. i was able to get it reversed through twitter but it shouldn't have been reversed in the first place, also recently in XXXX they allow a company to overdraw my account with no way of getting my money back when presented to chase they say that they are unable to do anything and because of that i decided to criticise them to be fair there where moments where i said " XXXX and XXXX '' but they are acting like i was threatening them now today XXXX i cant use my Debit card or savings account and they are holding my money XXXX until a check arrives not only that they closed it with no word until i got annoying and they decided to spit the reason out over the phone but they allow me to use a credit card still witch i got 2 weeks ago they are trying to do something wrong to me by hoping ill overuse the credit card so i can be more in debt. not only that they make sure to go above and beyond when you want to dispute a credit card charge but when it comes to debit transactions they do very little.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: TX

Complaint narrative:
I reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.

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 2023-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OR

Complaint narrative:
XXXX charged me an unexpected and undisclosed fee of {$4.00} on the prepaid card I got from them less than 24 hours after purchase.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXX XXXX They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXX XXXX. They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD {$520.00} Balance Opened XX/XX/2017 2017

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 2023-12-31 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/2023 ChexSystems mailed me my consumer report. To my dismay, they are reporting negative accounts and items such as XXXX XXXX payment history, XXXX XXXX, XXXX XXXX, Unavailable retail item history and insufficient data inquiry activity same fi. I am in fact a victim of the XXXX data breach and therefore have had many negative accounts reporting inaccurately. Attached is tangible proof that I am a victim of identity theft, an Affidavit of Identity Theft signed and notarized, and my Federal Trade Commission fraud report against ChexSystems.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
To make it as easy as possible to get credit toward PSLF, I switched from the student loan servicer Nelnet to XXXX. This loan servicer change went into effect on XX/XX/XXXX 

I was notified on XX/XX/ that my credit score decreased rapidly. This decrease in my score was due to my credit report falsely showing that I have identical loans through both Nelnet and XXXX. 

Thinking it would take time for my credit report to accurately reflect the correct information, I waited until XX/XX/ to submit a dispute through XXXX. I received an email on XX/XX/ from XXXX stating that my dispute was " resolved. '' This is incorrect as my credit report still reflects that I have identical student loans through Nelnet and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: NY

Complaint narrative:
Experian, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires that are reporting on my credit report. Please remove all and delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-31 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2023, I received LexisNexis consumer report via mail after requesting it online. To my dismay, LexisNexis is reporting many dishonest and incorrect information on my consumer report. They are in direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681. I am in fact a victim of the XXXX data breach which was beyond my control ; attached you will find tangible proof of this, a signed and notarized Affidavit of Identity Theft which affirms that what I am disputing is true and accurate, and a FTC report notifying them of LexisNexis fraudulent reporting of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Hi Good Afternoon, I have submitted multiple complaints on this servicer. I am XXXX, I am on XXXX and can not work at this time or in the future. The servicer has not been helpful and has not shown any willingness to work with me unless I file a complaint. 

The reason for this complaint is that I received a letter that they are increasing my interest rate from the agreed upon 2 % to 10 % with no specific reason. My credit score is good, usually XXXX so my credit rating would not be a reason for the interest increase. I am unable to get any straight forward answers from the servicer so I am submitting a complaint to find out how they can increase my interest rate 8 percentage points with no reasoning. 

My federal loans have been forgiven due to my XXXX discharge. At this time I am XXXX XXXX XXXX XXXX XXXX XXXX and need help just to type this letter. This servicer has been using predatory loan practices such as this new one for quite some time and it is not that I don't want to pay my responsibilities it is that on XXXX I have a fixed income and I am paying the student loans so that they don't ruin my credit. They have in the past. 

I can not afford to pay any more, I have no money left over with my mortgage and bills. 

Servicers : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Thanks you for your help, XXXX XXXX ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: MD

Complaint narrative:
XXXX XXXX Calling, emailing, and texting on an inaccurate debt.

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 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Transunion credit report. 
I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Please delete inaccurate inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief