vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: UT

Complaint narrative:
As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, XXXX, and Equifax to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: IA

Complaint narrative:
I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with TransUnion and XXXX XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. XXXX continues to change account #. Currently XXXX reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.

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 2022-10-04 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with XXXX and Equifax XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. Equifax continues to change account #. XXXX Equifax reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: IA

Complaint narrative:
I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with XXXX and XXXX XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. XXXX continues to change account #. XXXX XXXX reports perfect payment all the way to XX/XX/XXXX. Experian reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.

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 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Contacted Nelnet on XX/XX/2022 to get a refund on student loans. Was transferred between departments and was not able to get a refund. XX/XX/2022 contacted again to get refund and loans reinstated and was told I would get confirmation via email or call in approximately 5 business days. Today XX/XX/2022 I have not heard of a response from Nelnet about my refund being accepted or denied. I was told it would take 4-6 weeks from when the refund would be approved to get my refund check as well. It is now 4 weeks and have not heard back of the initial pending refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian and XXXX REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXXXXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH XXXX AND EXPERIAN AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! XXXX AND EXPERIAN ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! XXXX AND EXPERIAN WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. EXPERIAN REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX  AND THE DC ATTORNEY XXXX XXXX! REMOVE XXXX XXXX, A XXXX $ BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX VERTAN AND FOLLOW 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 explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae calls the XXXX cosigner more than 10x per day. The calls begin at XXXX XXXX  and continue every 30 minutes- 1 hour. They are harassing the cosigner. 

STOP CONTACTING COSIGNER!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
My car was totaled in XXXX of 2020. At the time of the accident, I owed {$13000.00} on my vehicle. The full amount of {$13000.00} was paid by my insurance company ( see attached the settlement statement ). I pulled my credit report recently to find a charge-off balance of {$2100.00} from XXXX XXXX XXXX XXXX with late payments. This false information has been on my report for two years and has no doubt caused me to be denied for credit and to have high interest rates on credit that was extended. Attached is proof of the settlement breakdown, a screenshot of all 3 credit reports, and snapshot of the check number issued from the XXXX XXXX coverage. Please resolve this matter immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Entrata Inc.
State: NY

Complaint narrative:
Entrata INC has ran my credit report twice without my consent. 

First on XX/XX/XXXX XXXX on XX/XX/XXXX I was told by the leasing company that they wouldnt run my credit report as a guarantor of a lease and then a week later I get a credit inquiry. 
I called the leasing company and apparently they by mistake ran my credit report instead of someone elses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit report is showing a XXXX XXXX XXXX with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-04 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: LA

Complaint narrative:
XXXX of 2022 I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

The Experian reported false information without evidence to support XXXX claims. No evidence has been reported to me and XXXX XXXX says they never reported this

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 2022-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have struggled to make my student loan payments at several times over the life of the loans. When contacting Navient, I have not been given adequate help, but have been met with attitude and incompetence. I have never had a representative go over all the options available to me. Because of this, I have had many years where I was paying money when other options were available. Navient has taken thousands of dollars from me over and above the cost of my original loans, and after all those payments, I still owe {$9000.00} more than the original loan amounts. I paid off a loan yesterday, and my rate increased overnight almost a whole percentage point. However, when I called to speak with a representative, I was told the interest rate was based on the market value, but she could not tell me what the market value was or whether it had increased. However, when the markets tanked several years back, my interest rate was never reduced. I have never received a market reduction, only increases. This seems predatory. Im trying my best, and Navient is also trying their best to make it hard to get out of this debt. Sallie Mae knew what they were doing offering loans to kids who didnt understand what they were signing. They took advantage of kids who wanted to get a degree. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On or about XX/XX/2022, Capital One NA took down its Rewards Mileage Transfers. No notice was provided or emailed to customers and upon needing to make a mileage rewards transfer I quickly learned through Social Media and Travel Blogs I would be unable to make the transfer and that Capital One was not sending out notices and only responding on Private Direct Messages that their system was undergoing maintenance. 

Capital One NA charges 'significant ' annual fees for the purposes of using its rewards credit cards and the lack of honest notification to consumers and removing a benefit for weeks without notice is unacceptable. 

Maintenance is a planned issue, if this was actually a planned service Consumers should have been sent notice of a significant period of down time so they could plan to use their rewards points before the system was taken down. Capital One NA has not been forthright in its response to consumers and has intentionally misled consumers by removing this benefit with no notice for an unspecified period of time under the guise of maintenance.

Upon contacting Capital One NA their only response is that the system is currently under maintenance and no known up time was provided.

Had Capital One NA been honest with its customers and stated that some unexpected issue had a occurred that caused the system to be taken down for emergency maintenance I believe many of us would be understanding, however, Capital One NA has continued to intentionally mislead consumers and causing concerns as well that Capital One NA may have suffered a breach of its systems as the reason for the mileage transfer and rewards system to be taken offline with no notice for an extended period of time.

Capital One NA intentionally has misled consumers by not providing notification of the emergency maintenance in hopes only a small percentage of customers were aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I had an XXXX procedure done at XXXX XXXX XXXX in XXXX. My insurence states that everything should be covered, I am now getting billed for the XXXX for {$550.00}. XXXX and I have disputed this charge. I am now receiving a bill from a debt collector. The company is Credit Collection Services. thier number is XXXX. My file number with them is XXXX XXXX XXXX XXXX XXXX. I would like a stop to reciving invoices from them until I correct this with my insurence company so my credit doesn't go bad. Receiving a XXXX without the XXXX is like renting a car and then when you go to drive it they tell you you have to pay for a steering wheel. Any help would be greatly appreciated, thaks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the past 4 months I've been sending letters of dispute to Experian, but have not been getting any response. I've sent a letter in mid XXXX, mid XXXX, mid, XXXX, and mid XXXX and I still have not receive any response regarding my disputes. I went online today XX/XX/2022 to file a dispute but it was not giving the option to dispute/challenge 2 of the items. I receive a message stating that the items was already disputed but I have not receive any letter regarding the items.

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 2022-10-04 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I worked with Chase to pay off a charge off that I was no responsible for due to a previous company I worked for that closed and had used this card as my company card. After years of fighting with the company, I decided to work with chase and settle the debt to just make it go away as it was ruining my credit. I completed and paid in full. Chase acknowledges, yet, has not updated my credit report and will not send me anything via proof wise so I can continue with a pending home purchase. They noted they would send something in the mail, but to date, they still have not mailed anything. I called again letting them know the situation and the loss of a home and deposit due to them not sending me proof that I did the right thing and paid it off and they were very unmoved by any of it. So now, I will lose so much because they just can't be bothered to report timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX  the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}

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 non-monetary relief