vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I submitted my paperwork for IDR in XX/XX/2023. Nelnet has changed my payment 3 times after the review. I did make all payments until the XXXX payment where I received no written notice of change of payment, and I was not in a recertification time frame as I was approved in XX/XX/2023, and they increased my payment {$410.00} without notice. The paperwork I received indicated my payment would be ~ XXXX XXXXXXXX and I made several of those payments, and in XXXX they increased my payment to XXXX XXXX forcing me into a forbearance bc they illegally changed my payment without notice and I did not have the funds to pay the payment. 


I submitted a complaint to the XXXX website case id : XXXX on XX/XX/XXXX. On XX/XX/XXXX, they responded that its been sent to my servicer to address and will be contacted within 10 business days, and I have not received a response or update from Nelnet since. I have sent 2 follow ups to the XXXX complaint with no response. 

Nelnet does not communicate, respond, or provide the required documentation to legally update payments after they have already provided documentation for the payment amount. My request is to credit me back the forbearance time I was forced into, change me to a different servicer who abides by the law, and accurately run my IDR so that I can resume payments that have been accurately reviewed. I should be able to access documents, be provided accurate debt collection documents, accurate billing, and responses from a loan servicer and Nelnet is not upholding their servicing duties, forcing hardship on those actually repaying their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio
State: IL

Complaint narrative:
I recently paid off collection account to Vance and Huffman LLC. They agreed to have account deleted in exchange for payment. The collections account still remains on my XXXX  credit report. XXXX has updated the account on their report and has deleted it as it should have been done. XXXX only updated the collection account as paid instead of removing the account. This is not the first time but is among many times that XXXX  fails to properly update my credit report accordingly. I have this same account deleted from my XXXX report so I dont know why XXXX cant do the same and never reports my accounts accordingly and I have to contact them to resolve discrepancies. If one n or has deleted the account and can make changes in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statues of Limitations. You failed to investigated this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : 1.Account name : XXXX XXXX Account Number : 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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I WANT ALL INFORMATION AND ACCOUNT REMOVED!!! I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT, I HAVE BEEN UNEMPLOYED FOR ALMOST TWO YEARS, NO CAR, NO HOME OR RESOURCES AND UPLIFT HAS CAUSED ME HOMELESSNESS, NO CAR, NO RESOURCES AND NO EMPLOYMENT, ETC. THEY HAVE BEEN WARNED!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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 discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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 discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX 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 2024-07-07 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:
Despite me being a victim of identity theft and notifying XXXX XXXX the creditor has not remove and stop reporting unauthorized and fraudulent charges 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 2024-07-07 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: VA

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. 

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 2024-07-07 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: VA

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.

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 2024-07-07 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: MI

Complaint narrative:
I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS

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 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Names Incorrect : XXXX, XXXX, XXXX NAME CORRECT : XXXX XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXXXXXX XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX CARD SERVICES Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
Self/lead Account number : XXXX Please update the status of this account to " paid on time '' Unauthorized inquiry XXXX XXXX  XXXX Date XXXX XXXX XXXX!! 

Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 

Unauthorized inquiry XXXX credit bureau Date of XXXX Delete!! 

Unauthorized inquiry XXXX auto finance Date of XXXX Delete!!

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 2024-07-07 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclaycard 's dispute process is broken and unusable. Any dispute is filtered through a few limited questions that don't cover many cases with no opportunity to comment. The only document upload provided is .jpeg - seriously? Barclaycard is, presumably intentionally, making a dispute almost impossible. They must try to wear down customers via horrible web portals, limited options, obscure communications. If and when you talk to an agent there is a language barrier as they must be using low cost labor from overseas with very basic XXXX skills.

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 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have a company called LVNV Funding  showing that I owe them {$1500.00} on my credit report and I have never done any business with this company. 

The are showing a balance of {$1500.00} An opened balance of : {$1200.00} Date opened : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-07 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: NV

Complaint narrative:
Transunion has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Transunion agency report that need to be removed due to them being now considered income. XXXX XXXX XXXXXXXX XXXX two accounts, XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX, along with XXXX XXXX XXXXXXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also one account in collections XXXX XXXX. They are to be taken off my report for two reasons 1 ) I have no contract with them at all and I informed them that they were to cease and desist. 2 ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX XXXX would be a third party. Transunion did not help in taking off two inquiries on my report. ( I have no collection accounts ) as reported by other credit agencies and they all have to report the same this is an error. I will also attach the IRS law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CORELOGIC INC
State: PA

Complaint narrative:
Corelogic sent an escrow mortgage payment for my XXXX loan to pay for my XXXX XXXX taxes on XXXX for the amount of {$1000.00}. This is for my XXXX and XXXX taxes. Even though the XXXX tracking number shows that the check was delivered, the payment was NOT received and the check was never cashed. I am trying to get Corelogic to reissue this check to pay for my XXXX and XXXX XXXX taxes. Because Corelogic has not listened to my request, these taxes are now delinquent and past due. I need Corelogic to send a new check, HOWEVER THE AMOUNT DUE IS NOW DIFFERENT SINCE IT IS PAST DUE. THE NEW AMOUNT OWED IS {$1100.00}. I should not be responsible for this late payment since Corelogic has not handled my request after I have called in dozens of times over the past month. The new check needs to be made payable to " XXXX of XXXX ''. It needs sent to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. My block/lot number of XXXX needs to be on the check. 

If you are calling XXXX XXXX XXXX to confirm if my taxes are paid, YOU NEED TO REFERENCE THAT THIS IS FOR 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 2024-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There was an addendum on the file sales prices and I have the esigned addendum indicating the contract price. The dealer sold the contract to service finance for a large principal balance then the sales contract addendum indicated. The dealer XXXX XXXX XXXX refuses to correct and service finance will not change anything without the dealer acquiescence.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I mailed out two disputes to the consumer reporting agencies and I have not received a response from them at all for either dispute. 

My first dispute consisted about 3 collection accounts that I was not aware of nor did I receive any initial communication from the debt collectors. The accounts goes as follows ; XXXXXXXX XXXX XXXX  [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ]. I demanded that they conducted an investigation of this unverifiable item and have them provide proof by submitting the USPS tracking number and the green return receipt bearing my signature 5 business days prior to furnishing such information. 

My second dispute consisted of a charged off account. The account goes as follows ; XXXX XXXX [ Account Number : XXXX ]. With this account, I claimed it was inaccurate due to the fact that the furnisher of information did NOT provide me with a written notice that they were going to furnish negative information on my consumer reports. Pursuant to section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act the furnisher of information violated my consumer right. In that dispute I demanded that the consumer reporting agencies request proof from the furnisher that they have provided such notice prior to furnishing or 30 days after. 

I am demanding that they delete all 4 accounts from my consumer reports as it is unverifiable. I also demand that they provide me a description of the procedures used to determine the accuracy and completeness of the information including all of the documentary evidence as described in 15 U.S.C 44 when they mail out the investigation results.

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