vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Back in XXXX of XXXX I spoke with my lender, Nelnet, and requested to be added to the SAVE forgiveness program and income driven repayment plan. I also requested to be put on discretionary forbearance until my loans are forgiven. According to what I have read on the Dept. of Education site and heard from the president, I qualify for loan forgiveness. 
In XXXX of XXXX I was told that I now had to pay monthly again despite being in forbearance ( or so I thought ). I called NelNet today, XX/XX/XXXX to discuss the issue with them. They told me I was only on " administrative forbearance '' and that I have to pay. She said she had never heard of discretionary forbearance and was honestly rude and not helpful at all. This was not my understanding back in XXXX when I spoke with someone else. The woman I spoke with today said I can't be on forbearance and I need to pay. 
I am frustrated and confused on what to do because while technically my payment is now late, I know that my loans qualify to be forgiven. I would like to please have some clarity around all of this, get answers and have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 my wife XXXX XXXX applied for credit at Rooms to go for an amount of {$3000.00} which she thought she was approved with XXXX. XXXX made her down payment of {$620.00} to Rooms to GO Order # XXXX for the attached XXXX. 
On XXXX XXXX, 2024 I XXXX XXXX applied for credit at Rooms to GO and was approved for Order # XXXX seprate from my wifes Order above. 
The Salesman XXXX XXXX at Rooms to Go in XXXX XXXX without our consent decided to add my wife purchases to my Order # XXXX on my Rooms to GO Credit Card. 

Rooms to Go applied {$5700.00} to my Credit Account without my knowledge or consent. I informed Rooms To GO sales represnetative XXXX and Store manager XXXX of the issue which their store manager decided to apply all charges to my credit card and I was told there was nothing they could do since they had already delivered the furniture. 

Rooms To Go XXXX XXXX XXXX XXXX, NC 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 2024-03-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Did not order debit card. Card arrived at my home address. The name on the card is not mine.

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 2024-03-05 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: NY

Complaint narrative:
Fraudulent accounts are on my credit report that is damaging my score

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 2024-03-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
Aldous and associates is reporting a {$1100.00} collection on my account with no validation of this debt and without proof of my authorization of release of my PHI from any medical provider or organization. I have already attempted to verify through XXXX and received no information other than it was validated, but no breakdown of charges or a HIPAA release authorization proving they have right to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PayZen, Inc.
State: OH

Complaint narrative:
This company leaves 2-8 messages a day in my phone. I have told them its phone harassment and blocked them And they continue calling me incessantly. I do not owe any debt to anyone. I want them to be stopped. Their phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have never had a credit late, payment late, or a collection, perfect payment history, my score is about XXXX for all XXXX  scores. After paying down my card with a XXXX payment to Citibank, a few weeks later Citibank dropped my limit to over and over maxed out the amount of what I owed. Dramatically lowering my credit scores for NO reason. My Credit limit was XXXX.now it is XXXX ( Immediately I locked my Citibank Card ) After making the payment my balance was XXXX total. Citibank doubled my payment amount which was 67 % annual rate. Absolutely illegal and usury. I reached out to Citibank at least 6 times for a reason and they could not give me any reason. My credit is excellent. I also asked them why the payment was so high and that the interest rate was usury. After numerous attempt, including today being on hold over 1 and a half hours, was hung up on. My compliant in the payment and the rate, my card balance is now XXXX and my payment is XXXX per month ( Interest ONLY ) that is 67 % interest annually. This is Fraud and Usury.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-05 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: AR

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.

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 2024-03-04 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: PA

Complaint narrative:
I need to re-escalate these accounts that have been previously deleted by XXXX and Experian but XXXX remains reporting the same faulty and unauthenticated accounts on my credit files.

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 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Im not sure of this amount that the company is accusing me of but its hindering my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have a current monthly payment of {$550.00} that is due on the XXXX of every month, due to being stuck on the SAVE plan through Mohela with a high income. In the beginning of XXXX, I applied to switch to the standard repayment plan and was told I would receive notification within 5-7 business days whether I had been approved. I have not received anything in writing and there is no evidence anywhere on Mohela that I have requested to switch plans to the standard plan to bring my payment down to {$170.00}. I have reapplied as of today, and have spent two hours on hold with Mohela before being disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been trying to solve a problem that I have with this company in my credit report, where backed by the laws that protect the consumer according to the FCRA, all the information shared by the companies must be accurate and precise or else it must be removed from the consumer report. 

For more than 10 months I have tried to reach a solution by sending reports by all means even sending a report directly through this CFPB portal, where unfortunately the results remain the same, the laws imposed on fair credit are not respected. 

The company XXXX XXXX XXXX, in the report it has with TransUnion, expresses that the status of said account is " account paid in full ; the a charge off ''. 

As you can see in the attached document of the company the payment history of that account is OK, during multiple occasions I have asked the company to please verify the information and it is modified, or otherwise deleted from my report. 

As you can see in the document they respond that the information is correct and accurate, which in the documentation there is nothing correct and precise because if the account shows an excellent payment history, how can it show that the account had a charge off, so I demand it by relying on the laws to the fair credit that this company in conjunction with TransUnion, take all the measures, I am notified by postal mail all the research they carry out, where they demonstrate in which month the account was in charge off, what are the months that was not paid so that the account was in said charge off. 

The account says that it was closed on XX/XX/XXXX, with an excellent payment history but in the status I see a charge off.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to purchase a home to sustain a life for my children and myself. I've checked my credit report and realized that there is damage information on my credit report. I have tried numerous times to get assistance on this matter. According to the 15 U.S.C law 1681 there should not be any damaging information on my report as it is a deformation of my character. I have also filed a report with the FTC regarding these fraudulent accounts.

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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
On XXXX XXXX and XXXX I deposited a total of XXXX to my Robinhood brokerage account from the linked account of XXXX XXXX XXXX in my Robinhood App, and then on XXXX XXXX I received a restricted notice from Robinhood and then on XX/XX/XXXX I received a email of Account Closure ( s ) in Progress, ( All of your Robinhood accounts will be closed. Account closure can take up to 4-7 business days depending on the assets held in your account and if liquidation or transaction settlement is needed. ) they are holding my total funds of XXXX and I sent them emails almost everyday since XX/XX/XXXX, asking when can they release my money to my original bank source that linked to Robinhood, they replied the same email says ( All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. ) but the fact is they are holding my money and put me to wait like endless. This is happened on XXXX its been almost a month since the account closure date. 
Ps : I didnt do anything wrong I was using the robinhood app to buy and sell stocks and cryptos, suddenly they restricted and closed my account and retained my funds. I have nowhere else to complain no body to discuss right now Im panic Im afraid they are not returning my funds, because these issue happens to a lot of Robinhood customers. Please help me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent. I urge you to take the necessary steps to address these inaccuracies promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not made these accounts and strongly suspect they are scams. 
Please do a thorough investigation and remove them from my credit report immediately. I have provided evidence to support my claim.

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 2024-03-04 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: PA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report on accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 

I have noticed several unauthorized hard inquiries that I did not authorize or initiate. These inquiries negatively impact my credit score and financial standing. ( Listed below ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested to opt out of all reporting from Lexis Nexis. The rejected my request. I will provide all documentation to authenticate my identity and opt out of their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation