vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I sent this request to the servicer, Firstmark Services, regarding my private loan to attend The XXXX XXXX of XXXX on XX/XX/XXXX. 
Firstmark Services denied my request for cancellation of my private student loan on the basis of fraud and misrepresentation by the school I attended. 

" My name is XXXX XXXX, with Firstmark Services account number XXXX, loan number XXXX. 
I am writing for more information on how to apply for cancellation of my private student loans on the basis of fraud and misrepresentation by the school I attended. 
I attended The XXXX XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX This school has been recognized as a predatory for-profit school by the US federal government and by the Federal Trade Commission and has cancelled student loan debt due to the schools fraud and misconduct. 

I am entitled to a process for private student loan relief because of the schools fraudulent claims and misconduct. 
The school promised job placement, ease of obtaining a job due to the education received and higher wages due to the education and attendance to The XXXX XXXX. All of which did not occur. The school also alluded to the salary of these jobs would offset and be able to cover the high tuition in time, which it does not. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-05 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: TX

Complaint narrative:
I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I feel taken advantage of as a consumer. I just found out that I never received the opt out notice for these accounts from having my nonpublic personal information being shared with nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-06-05 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: FL

Complaint narrative:
I requested again for 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 account : XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-06-05 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: GA

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 non-monetary relief
Consumer complaint received 2024-06-05 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: NJ

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 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 2024-06-05 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-06-05 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-06-05 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account was created fraudulently and I have disputed the account via the XXXX app but company refuses to remove account or verify identification methods used to create the account. I can attest under penalty of perjury that I have not signed any contracts for phone service with XXXX at any time. I would like this account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
I contacted XXXX XXXXXXXX XXXX in regards to XXXX separate reports made to Early Warning Services LLC in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX  XXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXX to provide evidence that Early Warning Services LLC is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX XXXX XXXXXXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to Early Warning Services LLC with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to Early Warning Services LLC without my permission. According to the Early Warning Services report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I contacted XXXX XXXXXXXX XXXX in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX XXXXXXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXX to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. JP Morgan Chase also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with JP Morgan Chase. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX XXXXXXXX XXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I contacted XXXX XXXX  XXXX in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX XXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXXXXXX to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n XXXX XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX  XXXX XXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with USAA that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe USAA opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the USAA account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-05 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: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I went to a dealership to purchase a car and when my credit was pulled there was a fraud alert on my credit file that I didnt place, and they specifically left phone numbers to contact prior to opening any new credit 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 2024-06-05 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 am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit 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 explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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