vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
I spoke with ERC over a year ago and requested them to cease calls. I began getting calls again and on XX/XX/XXXX requested for them to cease calls. I told the rep I had ceased calls and told them mail only. He said I had not responded to the letters and that is why they were calling me. I again told him to cease calls. I just received another phone call from them XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Applied for 3 apartments and got rejected. Was referred to XXXX XXXX and have tried everyday to contact them with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: IN

Complaint narrative:
My identity has been stolen in 2020 when a car was purchased now its on my credit I cant get a car in my own name, the debt is on ver XXXX dollars its affecting my life. I disputed it 10 times they keep responding back as accurate and they wont delete it now theyre harassing me with all these emails the account is closed but its still on my credit as a debt. This account is Westlake financial

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: IA

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 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 XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have reached out to this company multiple times asking to prove that this is my debt. i haven't received any responses. I have never opened any accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: EdFinancial Services
State: KS

Complaint narrative:
I XXXX XXXX XXXX in XX/XX/2023, and have been a little confused with all of the recent actions regarding Biden 's Student Loan Forgiveness and deferred payment programs. My latest understanding is that payments would resume six months after graduation, not to mention I do not remember ever selecting the repayment terms of the loans I received, ( six year, ten year, etc. ). I'm sure I did, at some point, but you forget that information when you don't have to make any payments or pay attention to the loan do to deferred accrual of interest. My loans have changed hands so many times that it is difficult to even remember where to log in to see their status. My biggest concern however, is that since my loans are currently in their " grace period '' where no payment is due, however interest is still being charged, I wish to receive some type of correspondence outlining how much interest is being charged and when the loans started accruing interest again. To Find this information I actually had to do some digging. It seems as if this information is somewhat hidden and the average consumer would have difficulty finding this. In fact, on the " Account Summary '' tab, there are line items referring to " Capitalized Interest, '' which shows all XXXX which seems to suggest that interest is not accruing. The Customer Service Rep simply said that it meant that interest was accruing but {$0.00} of this interest was added to the " principal balance ''. I had to call the company to ask why my balance was rising to figure that out. This seems misleading and I've never had a loan outside of this one, in which the interest that was accruing wasn't clearly shown in some type of statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this CREDIT UNION 1 account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA CREDIT UNION 1 has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my 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 non-monetary relief
Consumer complaint received 2023-11-29 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this CREDIT UNION 1 account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA CREDIT UNION 1 has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my 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 non-monetary relief
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
Hello My loans were transferred from Great Lakes to Nelnet. I made an attempt to pay off my loans in full on XXXX XXXX XXXX. The Nelnet website says it was processed and the debt was paid in full. 4 days later, the debt amount ( including interest ) appeared again. I received a notification from the Nelnet website stating the money was rejected by my financial institution. 

I again made another attempt to pay off the loan on XXXXXXXX XXXX XXXX, Nelnet says processed, and then paid in full, and today ( XX/XX/XXXXXXXX  ), the original debt amount and interest are back on my account. 

I contacted my bank on XXXX XXXX, XXXX about this issue, and the representative I spoke with stated they did not receive any charge from Nelnet and are unsure why the money was not taken from them. 

I contacted Nelnet about the inconsistency and to get more details about why both payments were not accepted, and the wait time was over 94 minutes. 

I kept records of both confirmation from Nelnet saying my debt was paid in full and the record from my bank stating Nelnet did not make a charge. 

The interest on my student loans keeps increasing daily and I am actively prevented from paying off my debts. This negatively impacts people 's finances. 

How is this okay? How can this be acceptable? I never had issues like this with Great Lakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I informed Chrysler Capital I XXXX XXXX XXXX around mid XXXX, I requested a deferment for my XXXX payment, which they granted. But, due to the nature of the XXXX ; I had to have XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX was done in the second week of XXXX. I am currently in XXXX and remain XXXX, until a doctor signs off and gives me the clearance to return back to work. Chrysler Capital is well aware that I work on a XXXX XXXX Thats how I make my livelihood. Because the nature of my work and the layout of the XXXX and the conditions in which we operate ; it is not feasible for me to use crutches or a wheelchair. I called again nearing the end of XXXX to explain XXXX still currently in XXXX, that I would be unable to make the XXXX payment, if they could defer the payment. I was denied, due to being given one in XXXX. Im grateful for the XXXX deferment. However, Im still dealing with this medical issue, something of this seriousness doesnt go away or resolve itself overnight. I was denied because of my payment history which is a poor excuse ; because I have always made my payments on or before its due date, my payment history is current and is satisfactory. I spoke with a representative today ( XX/XX/ ) who even reiterated my payment history is impeccable, but, I was denied a deferment because of my payment history it doesnt make sense. I was given the option of a promise to pay in which I make a partial payment on my XXXX due date, fine, what else am I to do? What they dont understand is ; I have other financial obligations, more important than a car payment that I have to decide between. I expressed to them that if that be the case, I would voluntarily surrender my car, but they want to avoid that. They know that option would be more expensive on their end. I agreed to the partial payment, so it wouldnt stain my credit history and report. But, Im pushed into a corner. Its still going to be difficult to even fulfill that option. I feel Chrysler Capital disregards customer hardships, because they want their money. By any means necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I attempted to apply for an online account with BMO Alto I was denied. When I called there is no path forward, nothing to do. The email I received stated no reason but encouraged to apply again if there could have been a mistake. So the second time my husband applied as the account owner and me as the co-applicant. He was immediately approved and I received the invite to apply as co-applicant. As soon as I completed my application I was denied. No reason for the denial in the email received. So I spent over an hour on the phone this morning waiting for customer service and trying to get a path forward. They told me there must have been a mistake in my information, so we went over all of it and it is all correct. They told me my identity could not be verified and therefore I was denied. When I asked what I needed to look into to find where the misunderstanding is I was told there is nothing to be done and that they could not verify my identity therefore I could not have an account with their institution. As an employee of the Department of Defense, I know that my record is clear and there are no issues. Yet, they just stated I was denied and that my husband could manage the account and I could be a beneficiary. I responded that it wasn't acceptable for us and that we both needed access to our account as equals. Then I was told there was nothing they could do, therefore they basically have excluded me from their services despite the fact my record is pristine and my credit is stellar. Would like a resolution. If I can not be on the account we will not be transferring a XXXX into the institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this XXXX XXXX XXXX account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA XXXX XXXX XXXX has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my 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