vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I called Nelnet to request my student loan that I paid during Covid to be repaid back to me. Nelnet said they put in a request for my refund. On XX/XX/2023, I called back and was told no request had been submitted on my request, so Nelnet would submitted the first request for me. 
Now XX/XX/2023, almost 2 months after my request, no refund has been issued to me. I contacted Nelnet and was given a run around saying " we are working on it " Filed my first complaint with Consumer Financial Bureau Protection. The company responded " contact customer directly ''. However, their response letter was very vague, repeated the same thing " we are still working on it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My child use my card at a corner store on XX/XX/XXXX at XXXX and was charged {$190.00} which was the wrong amount. Ive made several attempts to resolve the matter with the merchant, and credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: Westlake Services, LLC
State: GA

Complaint narrative:
I didnt not sign a contract or did any business with westlake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: DC

Complaint narrative:
Experian refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts

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 2023-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My credit report contains my personal information. And payment history with XXXX XXXX XXXX. Solely affecting my credit score.they have been reporting a consumer credit transaction report to XXXX since XXXX XXXX. XXXX XXXX was another lender who has violated consumer protection laws. I believe I am subject to a wide spread cyber attack due to all the other third-party companies who has access to my credit report. It has been more than XXXX different finance companies who accessed my credit report on XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX are all in violation of consumer law. I have tried multiple times to apply for installment loans and time and time again I was denied due to my credit report. XXXX XXXX XXXX has affected my way of living and put me in fear of my personal information being compromised due to them reporting my personal information and payment history and has affected the way I provide for my family. I can not apply for business loans or mortgage loans due to my poor performance on XXXX. Poor performance being things Congress states that doesnt suppose to be in my credit report in the first place. Before XXXX XXXX XXXX started reporting consumer credit transactions to XXXX my credit score was XXXX. I was not protected by consumer law. XXXX XXXX XXXX  even reported multiple addresses that are old or outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: CA

Complaint narrative:
There were 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to XXXX XXXX for collection. XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the account straight to collection causing and extremely negative impact on my credit reports and employment. 
I contacted Experian and submitted a police report and a copy of complaint with Federal Trade Commission but nothing has been done by Experian.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have a 30-day missed payment from my two credit cards that have been issued from Genesis Financial Services . Indigo and Milestone credit cards I have had these credit cards for over 3 years. This is the first time I missed the payment due to unexpected events. Since the past due date of the payments, they started to keep calling my wife and harassing her with phone calls from different phone numbers. Neither she is a co-signer nor an additional card owner from this financial institution. Although my wife has no information about whether these payments have been made to them or not and politely requested that she not be called about this issue, calls are still received from different numbers from the same creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
XXXXreported to lexis nexus a credit beureau that i was an at fault driver in a XX/XX/23 car.wreck.when i was not at fault. i wrote a.letter a year ago asking for the information to be corrected. They did not reapond Finally after.researxhing what to do i filed a dispute and it was removed. I have suffered civil.penalties and paid higher insurance and qouted higher insurance then i could afford for a.trucking company this violated for violating title 15 of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. Erroneous account direct violation of 16 CF 444.4 Late Charges XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. Erroneous account direct violation of 16 CF 444.4 Late Charges XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Visit Capital One We're here to help. 
Product Name : QUICKSILVER Account ending in XXXX XXXX, We understand that sometimes you just can't do it alone, so we're here to help. Let 's work together to find the best payment solution for you. 

If you have questions, please reply to this email. 

Find My Best Option they have closed this account refused to validate this debt sold this account to a third party and are reporting this as bad debt on my credit report and they are sending me emails like this one attempting to get me to set up a payment plan on debt they have already written off without sending me my consumer copy of the 1099C they filed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I placed an order on XXXX on XX/XX/2023, and was charged {$610.00}. XXXX only sent a part of my order ( two items missing ) but charged the full amount. I contacted XXXX regarding the incompleteness of my order. XXXX did not acknowledge this incompleteness and provided shipping information saying they sent them same time but in two packages. We only got one ( proved by our doorbell video ). I proposed to provide that video but XXXX refused and closed my complaint. Thus, I contacted Chase to dispute the charge within the 60-day period. Chase later responded with a letter saying there was no error in the transaction because XXXX provided them with an order invoice. That order invoice is apparently insufficient to prove XXXX delivered all items to me. Then I filed a claim on XXXX  against XXXX and exchanged the evidence we had with XXXX  and XXXX. XXXX did their investigation and confirmed the two missing items were never sent to us ( which can be proved by my XXXX communication record ) and agreed to refund us the value of the items {$250.00}. I waited a couple of weeks and did not see the credit in my Chase account. Then I contacted XXXX again and XXXX replied saying they failed to issue the refund because of a chargeback and asked me to contact Chase. It took a long time to go through all these communications and the last time I heard back from XXXX was in XXXX already. Finally, I contacted Chase on XX/XX/XXXX, and XXXX took my phone call only saying there was nothing they could do because that happened too long ago. I told her Chase used the wrong information to make the decision and XXXX has acknowledged their mistake and is willing to refund but they need Chase to be involved for the refund. XXXX decided to do nothing further and told me her decision was final and I have no way to file a complaint on this decision. Luckily, I know my rights as a consumer. Thus, I am filing this complaint here to request Chase to process the refund of {$250.00} as XXXX agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
SEE ATTACHMENTS! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Urgent : Cease Violations Immediately or Face Serious Consequences NOTICE TO : XXXX XXXX and XXXX XXXX, I am writing to inform you that enclosed within this correspondence, you will find essential documents that serve as clear proof and evidence of the serious violations of my consumer rights. These violations have been committed by LVNV FUNDING LLC, with the involvement of XXXX XXXX and XXXX XXXX, and are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act. 
These documents stand as undeniable evidence that I have NEVER granted written consent or lawful authority for the sale, purchase, storage, maintenance, or transfer of my nonpublic personal financial information. Your actions have demonstrated a flagrant disregard for my rights and legal protections. 
It is imperative that you review these documents meticulously and acknowledge the severity of the situation. The evidence at hand solidifies the fact that your organization 's actions are not only unlawful but also put you at risk of severe legal consequences under 18 USC 371, as previously indicated. This statute makes it clear that conspiring to commit offenses against the United States or its agencies, or to defraud them, carries the risk of substantial fines and imprisonment for up to five years for each involved party. 
XXXX XXXX and XXXX XXXX must recognize that their involvement in these violations is not without consequences. Your organization 's actions have put you in a precarious legal position. Immediate corrective measures are necessary to mitigate these consequences. 
In light of this compelling evidence, I reiterate my demand for the immediate cessation of all unauthorized activities concerning my personal financial information. The XXXX  out of balances associated with the accounts in question and the expunging of references to these accounts from major credit reporting agencies are non-negotiable steps that you must take immediately. 
I expect a written confirmation from you within 10 days regarding the actions you will be taking to rectify this situation. Failure to comply with these demands will leave me no option but to escalate my efforts to seek legal remedies for the violations and crimes committed against me. 
This letter, along with the enclosed documentation, marks a pivotal moment. Your response and actions will determine the path ahead. I await your prompt acknowledgment and the steps you will be taking to address these violations. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I applied for a discover card on XX/XX/2023 and I received a denial letter in the mail XX/XX/2023 saying that my application was denied due to the status of existing/ prior discover card account. Now I have had a discover card in the past but the account was always kept current and in fact the account ended up being closed by Discover due to inactivity. So I am unsure why I would not be eligible to reapply for another Discover card. When I called Discover about this matter the representative could only tell me that at this time I wasnt approved and that I would have to retry some other time. In my opinion this is a practice of discrimination and bias and possibly a violation of the FCRA because they are restricting my right to obtain credit without having a legal reason for denying my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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:
My personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/XXXX   account number XXXX and fraudulent inquiries cap XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX  XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX  be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas 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