vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 received a letter dated XX/XX/XXXX from XXXX stating that their investigation was complete, and my credit report remains unchanged because the XXXX XXXX XXXX XXXX XXXX continues to falsely report to them that my account is charged-off and delinquent in the amount of {$10.00}, XXXX. This account was settled on XX/XX/XXXX. I have provided court documentation to that effect. All three credit bureaus have ignored the documentation I have submitted and will not take action against the credit union for continuing to provide false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ITS BEEN 30 DAYS SINCE IVE SENT MY DISPUTE TO TRANSUNION POINTING OUT THE OBVIOUS ERRORS/VIOLATIONS THAT NEEDS TO BE CORRECTED

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 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX, I submitted my verification from the Veterans Benefits Administration stating that I was 100 % XXXX. 

I contacted Nelnet XXXX XX/XX/2022 and was sent via e-mail a Discharge Application : Total and Permanent XXXX form to complete and return with my verification. 

I returned both items on XXXX XX/XX/2022. I received a letter XXXX XX/XX/2022 stating The U. S. Department of Education had received my application and the review process could take up to 30 days. 

I also received another letter from Nelnet dated XXXX XX/XX/2022 thanking for my intent to apply for Total and Permanent XXXX although I'd submitted the application via e-mail on XXXX XX/XX/2022. The letter also stated the Loan Holders had been contacted and any collection activity was to be suspended for 120 days as of XXXX XX/XX/2022. My loans were in the Deferment at the time of application. 

I submitted another application via fax. I faxed the application to XXXX. 

On XXXX XX/XX/2022, I received a letter from Nelnet stating effective XXXX XX/XX/2022, the Department of Education approved my application for discharge of my federal Student Loan. My loan holders were instructed to discharge my loans. I did have to resubmit the VBA memo to verify the correct date the of the XXXX. 

The Department of Education loans were paid on XXXX XX/XX/2022 ; however, I had to contest the information listed on my credit report as it had not been updated. But the response received from XXXX and XXXX was the Nelnet loans were current. 

To date the loans under Nelnet Loan Services , Inc. ( XXXX ) has not been XXXX. I can't see any information when I log onto my account except for the payment for the Department of Education loan. I called Nelnet customer service XXXX XX/XX/2022, and the representative told me I was 26 days late on my payment which I was in deferment prior to submitting the application. I was transferred to a representative who me that the loan information had to be requested from Nelnet. I inquired as to why? They are Nelnet. 

I submitted XXXX XXXX XXXX XXXX XXXX XXXX complaint XXXX XX/XX/2022. Nelnet 's response was they have 150 days to address the application. I provided the XXXX with all correspondence from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Opened a Citizens Checking account in the month of XXXX expecting to receive a new account bonus by meeting the requirements. Terms state that the bonus should've been paid by the end of XXXX, 2022. Have not received the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX XXXXXXXX # 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  Act # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Act # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have been receiving repeated calls from Aldous and Associates. They keep calling me with the same message of " This is XXXX XXXX calling from Aldous and Associates - either reach out to him or XXXX XXXX. '' I looked up Aldous and discovered it relates to a health club debt. 

I have NO record of health club debt. I do not know why they regularly call me. They have provided ZERO proof of debt owed. I am practicing XXXX- please show me where the proof is of debt owed and cease calling me once and for all. I already canceled my membership with XXXX many months ago and paid off my outstanding debt to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions 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 PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructionXXXX 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 PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid 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 have been a Chase Sapphire Reserve member for years. In XXXX my credit card number was stolen and used to make XXXX fraudulent purchases- XXXX from XXXX and another from XXXX. The thief had the items shipped to my home and was watching to steal the items off our porch. Fortunately we were home at the time and the items were not taken. I contacted Chase in XXXX, reported the fraud, and was issued a new card. Chase put a credit on my account. Then a month later they called and told me they investigated, the charges weren't fraud, and I would be charged for the items. I called multiple times and could not get a resolution. Finally I contacted the merchants who helped me return the items. Even though the items have been returned more than 45 days ago Chase will not refund my more than {$2000.00} and the merchants will not issue a refund because Chase is holding the charge backs. They have all of the documentation including images of the confirmed return shipping and yet that continue to fraudulently hold more than {$2000.00} of my money for months with no resolution. Every time I call Chase they just direct me to the merchant who says they can't do anything until Chase releases the funds. If I was using Chase 's credit they would be charging me 25 % + APR for this. Not to mention that I pay {$490.00} per year for the privilege of having this card...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

-- letters have been sent certified mail and return receipts have been received by me.

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
this account was paid off on XX/XX/2022 this was my final payment for the vehicle to be paid off, they sent me a letter on XX/XX/2022 stating thanks for choosing them etc advising me about the title for my vehicle my score dropped XXXX points in XXXX because they reported me as a late payment which is inaccurate. I tried pulling up my payment history i cant because since the loan is paid off the account online with southeast toyota is no longer valid when i log in it doesnt have my car it says add new vehicle. I want this late payment removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the dispute submitted for your viewing

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WE DEPOSITED CASH AND THE THERE WAS AN ATM MALFUNCTION. THE ATM ASKED US TO INPUT AN AMOUNT, BUT AT THE TIME WE WERE UNSURE AND DID NOT ENTER ANYTHING. THE COMPUTER SAID IT WOULD ADD A PLACE HOLDER TO OUR MONEY AND WE WOULD HAVE OUR MONEY IN OUR ACCOUNT THE NEXT MORNING. I CALLED THAT NIGHT TO REPORT THE CONCERN AND BY THEN WE KNEW EXACTLY HOW MUCH MONEY WE DEPOSITED IN OUR ACCOUNT. IT WAS A TOTAL OF {$710.00}. THE PERSON ON THE PHONE SAID THEY WOULD BE DEPOSITING THE MONEY IN THE ACCOUNT WITHIN A FEW DAYS AND IF THEY WOULD LATER FIND OUT THERE WAS A MISTAKE THE MONEY WOULD BE WITHDRAWN. I HAVE BEEN CALLING EVERY DAY FOR THE PAST 4 DAYS AND CAN NOT GET AN ANSWER. THEY HAVE BEEN RUDE TO US AND GIVEN US THE RUN AROUND. I FEEL WE ARE BEING DISCRIMINATED AGAINST BECAUSE OF OUR LAST NAME. I FEEL THEY THINK WE ARE LYING AND THAT IS WHY THEY ARE NOT PUTTING THE MONEY BACK. WE HAVE BEEN BANKING THERE SINCE 2006. WHY WOULD THEY DO THAT OTHERWISE. ITS SIMPLE, WHY WOULD A XXXX BE TELLING THE TRUTH. IF MY LAST NAME HAD A WHITE NAME THEY WOULD HAVE PUT THE MONEY BACK. IT SHOULD BE EASY FOR THEM. THEY MONEY WAS DEPOSITED IN THEIR ATM. IT MALFUNCTIONED AND NOW THEY DONT WANT TO GIVE US OUR MONEY BACK.

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 monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i filed a cfpb complaint against Equifax on XX/XX/2022 the complaint number is XXXX it has been well over the amount of days allowed by law.

Company response to consumer: Closed with explanation