vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
After completing my XXXX XXXX from XXXX University in XXXX, I elected to refinance my student loans the following year in XX/XX/XXXX. The loan consolidation process was completed by Nelnet, the data furnisher and federal student loan servicer assigned to my manage my loan accounts. After completing the consolidation process with the XXXX XXXX XXXX, I received multiple letters from Nelnet confirming the completion of my student loan consolidation totaling the lump sum of {$210000.00}. 
Following the completion of the consolidation loan, Nelnet began reporting the {$210000.00} consolidation loan as two separate loan accounts on my consumer credit profile, one loan in the amount of {$30000.00} representing the subsidized portion of the debt and a second loan in the amount of {$180000.00} representing the unsubsidized portion of debt. From the loan origination date in XX/XX/XXXX to XX/XX/XXXX ( 17 months ), Nelnet was reporting my student loan debt of {$210000.00} as XXXX separate loans. 

However in XX/XX/XXXX, Nelnet discontinued reporting the debt as two loans as indicated above and began reporting the debt as one loan. Nelnet executed this reporting change by deleting all records of the {$180000.00} loan from my consumer credit reports and subsequently reported the deleted loan as a balance increase of the {$30000.00} subsidized loan account. Despite having the knowledge that the loan had an established XXXX account history by XX/XX/XXXX, Nelnet made XXXX effort to address the reporting inaccuracies inherent to the reporting change. Nelnet knowingly implemented changes to the reporting of my student loans that created material inaccuracies to my credit profile. As of the date of this complaint, there is no record of my student my {$180000.00} loan debt from XX/XX/XXXX XX/XX/XXXX. From a risk perspective, reporting my student loan debt as a {$30000.00} installment loan established in XX/XX/XXXX that increased to {$210000.00} in XX/XX/XXXX in not only falsely representing the loan history, but it also inaccurately presents me as a higher risk consumer, falsely representing that I have incurred significant new debt in the past 12 months. As a consumer, I have a right to dispute incomplete and inaccurate information on my credit reports and yet, when I disputed these obvious inaccuracies, Nelnet and the CRAs failed to act as required by law. 

It is my hope that filing this complaint will result in swift resolution of this matter by a complete updating of my student loan account. Thank you for your prompt attention to this matter to ensure that my credit profile is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: AL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-20 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: AL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-20 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: IA

Complaint narrative:
I did not do business with any of these companies.

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 2024-06-20 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: IA

Complaint narrative:
I did not do business with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX - ACCOUNT # XXXX ] [ XXXX XXXX XXXX - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX - ACCOUNT # XXXX ] [ XXXX XXXX XXXX - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.

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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-06-20 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: TN

Complaint narrative:
My account with XXXX 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 XX/XX/year> 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-06-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Basically my uncle defraud my account because he was XXXX me an my grandfather retired from military XXXX XXXX an left me his life savings for being an victim to my uncle when my mother died the money wasn't pose be taken out when I was XXXX yrs old an my uncle stolen the money and the bank close an never given me my money when I got XXXX yrs old told me I would have make police report if I want my money I have to get attorney am that I will get some of my money which was two CD I thought I was pose get what my grandfather worked hard for services this country for they allowed XXXX to be taken out then change my name while I was an minor to XXXX while I was an XXXX XXXX XXXX left me money for being my uncle XXXX victim my uncle nasty am sick I'm asked for my money back ASAP they change the name to PNC it was old national city bank I sent my school records and mother death certificate because I wanted the government yo see how he defraud the system an the money was never pose be given to anybody but me until I got XXXX yrs old and XXXX XXXX XXXX stolen it I want justice for my grandfather XXXX XXXX who protected our Nation this is not the law this is not justice this is not Right I will get they money back from PNC they want get away from this hateful defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: Kikoff Inc.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( KIKOFF - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( KIKOFF - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Checking Account with Capital One. During my tenue with them, I had two cases of unauthorized transactions on the account. I filed fraud cases, and submitted my documentation as requested. They would deposit a " Temporary Credit '' and stop contact until they removed those credits, over drafting the account, and eventually closing. They would state " Lack of information from my part ' even though I would send them screenshots of me sending them the requested information. They then proceeded to stop communication altogether and closed the accounts with a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MD

Complaint narrative:
I recently have reviewed my credit report and noticed an account that's not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX. 
I'm now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action

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 2024-06-20 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. Account Name XXXX XXXX XXXX Account number 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 2024-06-20 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 have to refile this complaint to EXPERIAN because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX 
My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.

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 2024-06-20 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: NV

Complaint narrative:
On XXXX XXXX I went to take out money I just got paid and my acct was blocked so XXXX called Us bank to ask what was going on and they told me they blocked it cause they seen suspicion activity on my acct and they asked me if I did a transaction of {$300.00} and I told them no cause I didn't so right away they stopped my debit card from being used and ordered another for me and since I still had my debit card and I told the bank my phone was reported lost cause I lost it and I told the bank that the person must of gotten my bank info from my phone so they said it would be a good idea to get a different acct number so the bank closed my acct and open up a new acct in the mean time the bank posted the {$300.00} back to my acct than on XX/XX/year> the bank to back the {$300.00} and I got a letter telling me they were done with their investigation and the bank said that they verified that I received benefit from the transaction and my claim was denied so they are reversing the provisional credit issued to my acct so u called to get a copy of the documents used during their research so that's when they gave me the name of the person that was involved in the transaction I told them that was my niece and I never gave her permission so I went to the police station white XXXX XXXX jail and did a police report and called US Bank and gave them the case number to the police report on XXXX XXXX she is my niece but I did not give her permission to take money or received money in any way so it is wrong what the bank is doing to 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 explanation