vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Thank you for your letter dated XX/XX/XXXX, wherein you confirm my outstanding balance as requested. You have overlooked or ignored my request. I have made no inquiries, however, my notarized notice that was sent has gone unanswered. On the referenced matter, I would need your confirmation that you would accept full payment of the obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form and produce all other requested documentation. 

NAVIENT has dishonored a notice that was sent regarding student loan # XXXX. The notice was sent on XX/XX/XXXX certified mail return receipt # XXXX and there has been no valid response, nor have I received the requested documentation. The servicer NAVIENT must produce ALL requested documentation. I will conclude that you are either unable or unwilling to comply. I will thereafter consider the matter between us to have been legally and financially settled if documentation is not received on or before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX On XX/XX/2023, I opened a checking account with Truist which had a promotional bonus of {$300.00}. The term on the advertisement was that I needed to have a direct deposit total of XXXX XXXX/month. 
I satisfied the term. 
However, I was denied the bonus. 
On XX/XX/2023, I reached out to Truist customer service and was told that I needed to wait after the Q3 promotion ending date on XX/XX/2023. 
After which, their bank would do a review of my account. 
On XX/XX/2023, I reached out again to Truist online customer service since I still havent received my bonus. They told me to continue to wait Oh XX/XX/2023, I went to a Truist branch. The banker helped me talk to the promotion customer service, which they now informed I would not receive the bonus.

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 2023-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: TN

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-04 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: MO

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding my credit report. Despite multiple attempts, I have been unsuccessful in having a late/closed account removed from my credit file. 

I have made several requests to have this information investigated and rectified, but it appears that my efforts have not yielded any positive results. I understand the importance of an accurate credit report, and the presence of this inaccurate information is adversely affecting my creditworthiness. 

I kindly request that you conduct a thorough investigation into the matter and take appropriate actions to rectify the inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I have attached supporting documentation, including Driver 's License and Proof of Address. 

I appreciate your prompt attention to this matter and request that you provide a written response within 30 days, as stipulated by the FCRA. If the investigation confirms the inaccuracies, I expect the prompt removal of the erroneous information from my credit report. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00}.

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 explanation
Consumer complaint received 2023-12-04 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: NY

Complaint narrative:
I received my credit report on XXXX XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. there hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1581b. I also have attach the hard inquiries that don't have no purpose to be on 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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a car account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
The beginning of XX/XX/2023, I was making my monthly payment with FNBO. I added a new bank to pay with prior to my due date bc my check is direct deposited there. 

I was making my payment early as I have always done. I have never been late. Unfortunately, my new bank connected through XXXX XXXX saw the transaction as a possible fraud and rejected to pay. 

As soon as I realized this, I attempted to immediately go and pay with the original bank I use for this payment. I was willing to pay the monthly payment and late fee. But FNBO 's system would not accept payment bc now they demanded I pay for XXXX as well even though XXXX 's payment was not due for another month. 

I didn't have XXXX to pay at that time. I asked via message to pay the XXXX payment and late fee. Each time they tell me that I must call and they also call me multiple times a day even though I have made it clear in writing multiple times that I have a XXXX and can not do a phone call. Each time they ignore my request for accommodations or allowing me to just make the payment. 

They say they have a secure messaging system but they won't message back and continue to call me on the phone. I have sent multiple messages requesting to quickly resolve this and remind them of my XXXX. I also have replied to emails but they won't reply back. 

Fast Forward to today, XX/XX/2023. I have acquired the XXXX to pay for XXXX, the late fee, and XXXX 's payment due on XXXX XXXX and the online payment system still refuses to allow me to pay. 

I am literally being set up to fail bc my XXXX are being ignored and there is no other way besides the phone to talk to them. 

I have taken screenshots each time I used their secure messaging system to prove of my messages and as well have screenhots of emails. 

I am good customer that had a mishap with my payment in XXXX that I did not expect and immediately tried to rectify this, but I am being blocked from doing so. 

It further bothers me because I have a teen with hearing loss, and if I can't get companies to respect my XXXX, how do I guide her? 

I talked to XXXX XXXX XXXX counseling and they said I should contact you because there shouldn't be this issue and lack of respect to accommodate XXXX. 

Bottom line, I just want to pay by my XXXX due date and move on to living my life and being a parent.

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 2023-12-04 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: MI

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-12-04 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: MI

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-04 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: TN

Complaint narrative:
On XX/XX/2023, Experian consumer reporting agency received a reinvestigate notice of dispute request. To my dismay nothing happened. I have proof that Experian received my letter but did not reinvestigate any of the accounts mentioned in the notice of dispute that Experian received. As a result of this negligence, I have been unable to make significant consumer credit transactions, obtain loans, or credit cards for that matter. I have actual damages because of Experian 's negligence, and I have been in emotional distress. The only thing that was disputing prior to them receiving my letter was personal information done through their website. Pursuant to The Fair Credit Reporting Act 15 USC 1681e ( a ) ( b ) and 15 USC 1681d ( b ). Experian has an obligation and is required by law to investigate upon notice of the request. Experian is now liable per 15 USC 1681o civil liability for negligent noncompliance.

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 2023-12-04 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
On XX/XX/2023, speedy cash responded stating the issue had been resolved. However, the hard inquiry remains on my credit report and has continued to cause negative ratings against my profile for the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via a properly endorsed negotiable instrument in the form of a payment coupon. I gave them notice that I am the Agent and beneficiary of the Principal XXXX XXXX XXXX, and I am accepting all titles, rights, interest and guaranteed equity owed to the Principal. I included a Power of Attorney in the enveloped that I sent in, which relates to the Agent & Principal relationship. The endorsed payment coupon was accepted for deposit and made payable to the bearer, with the proper instructions, in the amount of {$31000.00} to NELNET XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. It shows that it was delivered to NELNET, XXXX on XX/XX/XXXX. The company is in possession of the instrument, but did not credit the principals account. NELNET, XXXX is in default and dishonor, as they have violated multiple codes, laws and acts. XXXX XXXX states that if tender of payment is refused, then there is discharge to the amount of the tender. I called NELNET XXXX XXXX on XX/XX/XXXX and asked for validation of the debt and a contract that I have with NELNET, XXXX that has my signature on it. The representative said that they dont have that. So they cant validate the debt and they also have refused the tender of payment. I also sent a XXXX notice to the CFO, which was delivered on XX/XX/XXXX, and have yet to get a response or update to the principals account. Respectfully, I am aware that not all company representatives may know exactly what to do in order to correctly process and credit the registered security that I sent in, which is why I suggested in the notices that I sent that they consult with their trustee bank in order to do so. I know that the NELNET, XXXX XXXX, XXXX XXXX XXXX XXXX works closely with XXXX XXXX  XXXX XXXX COMPANY to handle securities. 
I am filing a complaint and asking for an immediate investigation to rectify the situation so they may remain in honor. I am staying in honor, acting in good faith and with clean hands. As it stands, NELNET, XXXX is committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Certain Violations include, but are not limited to : Uniform Commercial Codes, Bill of Exchange Act, 18 USC 8, RICO ACT 18 USC 1951, HJR 192, Uniform Negotiable Instruments Act. 12 USC 1431, 15 USC 1601, and Securities Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kindly remove the late payment remarks and update the status to current or paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Payment history on Home Depot Card is incorrect. It is stating written off in XX/XX/2018 ; however, there's no previous payment history. This is an attempt to keep the card on the credit report in a negative manner longer than seven years.

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