vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see below! It has been over 30 days since this investigation and still negative items still on report. I demand {$1000.00} for every violation of the consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Without my knowledge, a credit account was opened in XXXX. {$6000.00} was withdrawn in XXXX. then over another 2 months another XXXX XXXX dollars were withdrawn. This credit account is opened with American Express. I have never been to this bank and never opened an account there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2023 I tried for the first time too transfer {$50.00} from my cash card to my Citizens Bank checking account which I thought I had properly linked my Cash Card to. When I called my bank I was told no money had been received. I realized that the bank I sent the money to was not a part of my bank so I immediately requested a refund stating that I had made a mistake and requested my money back. I made that request over 10 times throughout the weekend. I received notification that my requests had been denied without an explanation as too why. Each of my requests I stated that my money was accidentally sent to the wrong Citizens Bank, the bank I sent my funds to was Citizens Bank XXXX. I could find no address or phone number, the Cash Card company told me I would have to directly contact the bank I accidentally sent my money to in order too recover my money. This was a mistake on my part I admit but for my money not to be returned I can't understand with no explanation as too why, each request I sent was posted DENIED on my Cash Card Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-25 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 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: WA

Complaint narrative:
A little back-story : Applied for the SAVE plan on XX/XX/XXXX. Submitted an email on XX/XX/XXXX without any response. Meanwhile I'd been switched to the regular plan and showed around {$1700.00} being due. Had to call on the status on XX/XX/XXXX and spent XXXX hour and XXXX minutes on the call just to be told a lot of things that weren't true. First they said that they sent an email saying they needed income verification. Never got that email and I allowed them to pull my tax return when applying, so income verification is not needed. They finally concluded that they didn't know what was going on, but looked like something in the back end was being worked on, and to call back in 2 days. Very stressful. 

Now to my issue : Finally got the letter saying I'd been put on the SAVE plan on XX/XX/XXXX. Interest is still accruing and now the Nelnet portal shows no payment due until XXXX of XXXX. This is very concerning for a few reasons. While I currently have a {$0.00} dollar payment through the SAVE plan, I should still be getting credit toward the 25 years of repayments for my XXXX XXXX  monthly " payment, '' and interest should be subsidized and stop accruing on my end. Neither of these are happening with the way Nelnet is doing this. I've spoken to other loan-holders, and the same thing is happening.

Very frustrated overall at Nelnet 's slow processing time, little to no response, and continuing to handle my loan incorrectly. I don't have hours to fix issues every time they come up. And super concerned at how my loan is not being handled per SAVE 's guidelines which will result in me
owing more and more money that shouldn't be accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since XX/XX/2022 I havent be able to view my current credit report on experian.com I have made several attempts to get current access but no success. Then when I do talk to someone they tell me my adddress isnt on my credit report then I have them to add it but I check the dispute and they still dont update when I sent a current copy of my identification. This last time I call to get this issue resolve they told me it would be resolved in 24-48 hrs and 4 days has passed and still I cant view my current credit report and my address is still not attached to my report. Also every time I try to get a current report it states that they have different personal information than my lenders and I dont see how. Please help me resolve this issue.

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 2023-09-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am processing disputes on my credit report that is hindering my profile with inaccurate an invalid data. none of the information has been verified. this has been addressed multiple times an no response has been giving. this is holding my credit back. all information disputed needs to be removed asap. please delete an remove all listed information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have our business account through KeyBank. On XX/XX/ I noticed an un-authorized charge of {$1200.00} by a vendor called " XXXX XXXX XXXX XXXX '' ( " XXXX '' ). I immediately called KeyBank, who noted the account and sent me a new credit/debit card. A Case ref # of XXXX was assigned. I then called XXXX at XXXX and spoke with the owner, XXXX, who willingly provided information to me. Apparently a customer named XXXX ( XXXX XXXX XXXX, XXXX pa, XXXX ) called XXXX to order landscaping products. " XXXX '' gave several credit cards over the phone, at which point XXXX became suspicious. XXXX confirmed that they did NOT deliver the landscape products due to suspicions. Furthermore, XXXX will not challenge the reimbursement of the {$1200.00} upon KeyBank 's investigation. 

I called KeyBank and provided this information immediately. I called KeyBank on XX/XX/23 to check status and was told they were working on it. I called KeyBank again on XX/XX/23 and was told there'd been no investigation or notes since my last inquiry almost a month earlier. 

We are a small, struggling business that does not typically have a large sum of money in our bank account. The {$1200.00} fraudulent charge caused our account to go into the " negative ''. There were two subsequent KeyBank charges of {$20.00} ( {$40.00} all together ) for having negative funds. Lastly, our XXXX rent check bounced and we will now incur charges by our landlord. Our XXXX rent check will be due by XX/XX/23, 6-days from now! 

Given that XXXX is not challenging the fraudulent charge, this " issue '' can be cleared-up in a simple 5 minute phone call. On XX/XX/23 I expressed my frustration and concern to KeyBank, but have still not heard back. Please help us to correct this situation immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
previously disputed on XX/XX/XXXX this medical debt account asking to verify or delete debt as I do not recall having account open. On XX/XX/XXXX I got a response from Experian saying that personal information on credit report with Experian didn't match the information that I had given on the dispute. For that reason I needed to provide additional method of personal verification. On XX/XX/XXXX I got a copy of credit report with Experian and stating this medical debt that I do not recall. First Experian is stating that the information that I provide as my personal info. is incorrect base on what Experain has then shortly after I get a credit report with a medical debt on it. This makes no sense does Experian have or does not have the right personal information or Is Experian mistaken me with someone else. Not possible to show a negative account on credit report if information is not accurate 100 % this is ridiculous

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 2023-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have reached out to Navient numerous times in an attempt to lower my monthly payments and/or lower my interest rate. Every time they strongly suggest putting the loan into forbearance until I am able to make the monthly payment. I do not feel this is an acceptable option. 
The loan was acquired by Navient from Sallie Mae in XXXX at the amount of {$10000.00}. Even with the amounts paid since then the loan balance sits at {$10000.00}. There is a current amount of {$38000.00} in Accrued Interest. How is this acceptable? How is anyone alive able to crawl out of this? 
My wife & I were forced to file bankruptcy when the pandemic hit. Yet the loan still stands and payments are still being made. I feel Navient has gotten more than their fair share at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-25 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-09-25 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: IL

Complaint narrative:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I received and email on XX/XX/23 from Citizens Bank stating that my request to open a checking account was declined. I never attempted to open an account with this institution. 

Unfortunately, due to a busy schedule, I just noticed the email this morning. I called Citizens Bank this morning XX/XX/23, and the agent said : We thought that this would be a fraud case because important information was missing from the on line application. They invited the person to come to inside a branch complete the application on site. No one ever came in. She then went on to say that she couldn't see the actual application, that she was forwarding the information to the fraud dept and for me to contact the FTC. 

The Application ID is as follows : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I co-signed a Wells Fargo joint line of retail credit on XXXX for a purchase of windows to be installed in my ( now ) exhusbands house in XXXX Florida. As we divorsed, I called XXXX XXXX on XX/XX/XXXX to let them know I was closing the line of credit, which the vendor acknowledged. I closed the credit line with Wells Fargo with a {$0.00} balance on XX/XX/XXXX which Wells Fargo acknowledges. I guess my exhusband installed his windows XXXX and the XXXX XXXX vendor used the closed account to make the purchase of XXXX I called Wells and disputed the charge, as how can they allow a charge to go through on a closed account. Also, why would XXXX XXXX use an expired pre-authorization to charge the installation to, after they were notified the account was closed. 

The Wells account currently has a {$6200.00} balance on it and the account still reports closed. 

Thank you for any guidence you can provide.

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 2023-09-25 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: PA

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 and 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 non-monetary relief
Consumer complaint received 2023-09-25 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: CO

Complaint narrative:
My loan was transferred from Great Lakes to Nelnet. I submitted a payment on XX/XX/XXXX to be paid/applied on XX/XX/XXXX. Nelnet has not posted the payment and is still showing it as pending more than a week later. This is unacceptable.

Company response to consumer: Closed with explanation