vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 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: NM

Complaint narrative:
A delinquent report showed up suddenly on my XXXX and Transunion credit reports that I no nothing about, have never initiated any transactions I have not paid for and have never received any contact from this company -XXXX XXXX XXXXXXXX XXXX, Account number XXXX. I do not want to contact the company because I believe the information is fraudulent. Whatever the information is both XXXX and Transunion won't take it off 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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
A delinquent report showed up suddenly on my Experian and XXXX credit reports that I no nothing about, have never initiated any transactions I have not paid for and have never received any contact from this company XXXX XXXX XXXX XXXX, Account number XXXX. I do not want to contact the company because I believe the information is fraudulent. Whatever the information is both Experian and XXXX won't take it off 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
Consumer complaint received 2023-11-19 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: OH

Complaint narrative:
Sent TransUnion a written request asking them to remove the unverified accounts listed in my dispute letter that remain on my credit profile in violation of 15 U.S.C. 1681. I asked for the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the names of that individual, their business address, and telephone umber? This is my second request to have these unverified accounts removed if not send me the requested information. ( Via mail only )

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 2023-11-19 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: WI

Complaint narrative:
Auto debt was not completed. As such, the payment was deemed delinquent. 

Switched payment method to manual to avoid the aforementioned issue. Now, the " Amount Due '' this month remains unchanged after multiple payments ( equal to and greater than the balance ) have been submitted and processed. 

Specifically, Nelnet listed a monthly amount of {$310.00} due by XX/XX/2023. 
Payments have been submitted as follows : XXXX : Paid and processed {$310.00} - Amount due remains {$310.00} XXXX : Paid and processed an additional {$310.00} - Amount due remains {$310.00} XXXX : Paid and processing an additional {$310.00} - Amount due now {$880.00} I have paid XXXX the original amount for this month. However, the amount I owe has neither zeroed nor decreased. Rather, it has increased. 

Nelnet has been unreachable by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-19 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: IL

Complaint narrative:
The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( 4 ) accounts reporting on Experian, XXXX and 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 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
A vendor told me I could make my payment using Zelle. I assumed the vendor 's email address was their Zelle address, so set that up on Zelle and made the payment. I thought. It turned out that the vendor 's Zelle address was a different email address. But Zelle accepted my payment anyway! Zelle will accept a payment to ANY email address, then try to get the owner of the email address to sign up with them ( see below ). This is extremely poor control. Now I have to chase down the payment and get it cancelled. 



XXXX  You only have 14 days left. 
Enroll to receive {$300.00} from XXXX XXXX " Third pick male for XXXXXXXX XXXX XXXX. '' ENROLL TO RECEIVE To receive your money, enroll using this email address : XXXX Before XX/XX/2023 Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 
For more information, please visit XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I noticed a hard inquiry that was place on my XXXX XXXX from Bank of America from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I did not open any card with American Express im devastated to see someone applied for a card under my name and was using it without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
Problem # XXXX My servicer ( EdFinancial ) has made errors to the days of accrued interest, and subsequently, the amount of total interest accrued. I was in graduate school from XX/XX/XXXX to XX/XX/XXXX. There are XXXX different loans that were borrowed after XX/XX/XXXX when payment paused and interest stopped accruing. The image attached is a screenshot I took of my total loan balance on XX/XX/XXXX. Please note that no payments have been made before XX/XX/XXXX. From the image ( XXXX ( XXXX MB ) ), loans XXXX to XXXX are the XXXX loans borrowed after XX/XX/XXXX. All these loans have accrued 86 days worth of interest by XX/XX/XXXX, but it should've only accrued 43 days. ( from XX/XX/XXXX to XX/XX/XXXX ) For example, the loan 1-13 Direct Grad PLUS ( Principle : $ XXXX, XXXX : 6.280 % ) that was issued on XX/XX/XXXX, should have accrued total of 43 days of interest, {$310.00}. But it shows amount of interest accrued as {$620.00}, or 86 days worth of interest. This is the same case for all of my loans that were borrowed after XXXX, XXXX ( Loans XXXX to XXXX ). 

Problem # XXXX However, after the screenshot was taken on XX/XX/XXXX, I have made a payment of {$7000.00} on XX/XX/XXXX. Because Edfinancial put me on the standard payment for 2 months since the payment resumed XX/XX/XXXX. However, I had requested for REPAYE ( and now called XXXX ), back in XX/XX/XXXX, and again, on XX/XX/XXXX. Based on the timing of my application, I should've been on the XXXX plan since XXXX, and automatically been changed to SAVE plan by XX/XX/XXXX. However, because Edfinancial has put me on the standard payment for the first 2 months, I was forced to pay the minimum amount of {$3500.00} every month. In total, I had made {$7000.00} payment, which was very high compared to the income I have. Not only that, because I was not on the XXXX plan, I have not been able to receive the benefit of the plan that " eliminates 100 % of remaining interest for both subsidized and unsubsidized loans after a scheduled payment is made. '' As a result, I've accrued interest that was not paid for during the first 2 months, on top of the incorrect amount of interest that accrued. The representative I talked with said they can not see the date of loan imbursement, and therefore, can't calculate the correct amount of interest. Edfinancial refuses to make any changes because they say that they never received IDR Application report from FSA.

The payment I made went towards the incorrect amount of interest, and some of my principal balance. Edfinancial refuses to review my account as they confidently say there is no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: IL

Complaint narrative:
The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( XXXX ) accounts reporting on XXXX, XXXX and Transunion.

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 2023-11-19 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: IL

Complaint narrative:
The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( XXXX ) accounts reporting on XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on 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 2023-11-20 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} TD XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

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 2023-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX  Inquired on XX/XX/20XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
I noticed that there were some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. See items listed below. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX phone # XXXX. 
Account number XXXX They are reporting 3 different current balances that are all different, as well as 3 Original balances that are total different, the opened dates are different, the last reported are all different, last payments are not the same or accurate. Charge offs should not have past due balances because they are late by default and all XXXX have past due balances. As well as each one of reporting that I owe a different past due amount. XXXX has 24 late payments attached to this account when there should be no late payments on charge accounts. This has impacted on other credit decisions I have applied for and have been denied. And continues to impact me negatively especially since I have not only the charge off but also each late payment that gets reported. This isn't just a reporting one error on their part this is numerous errors. This is inaccurate reporting therefore please remove this account from my credit report or update it to paid as agreed due to my FCRA right. I have been affected for a long time already due to this account. The law states that only accurate information is reported and published for consumers to see. Nothing that is reported from this company is accurate and they have violated my rights. Please send verification this account has been removed. Thank you

Company response to consumer: Closed with explanation