vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 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: GA

Complaint narrative:
I have been unable to reach Nelnet via phone to resolve this issue as their call wait exceeded 2 hours on my last attempt, and their online systems have had periodic outages. I have already raised a complaint with FSA, but the incorrect information presented to me by Nelnet has me terrified that I'll be paying a standard repayment amount via what looks like a bug in the automatic withdrawal system, and I'm taking every action to protect myself and my bank account. Despite being presented documentation that I should be paying {$0.00} on SAVE starting in XXXX, I continue to see a withdrawal scheduled for XXXX for over {$1500.00}. 

I am concerned that if I cancel automatic withdrawals, I will be unfairly penalized with a loss of the .25 % IR XXXX ( ACH ) benefit on my applicable loans. 

Additionally, the application process for SAVE was not a smooth process. Though this is an unprecedented period of payment restarts, that does not excuse the absolutely wild changes I noticed on my account at the end of XXXX : including being dropped from my IBR and placed into Standard Repayment with no explanations and watching the amount due on my account fluctuate wildly. Nor did they communicate with follow ups about my SAVE application status, despite the language presented on completion of my SAVE application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: UT

Complaint narrative:
EQUIFAX CONTINUES TO NOT ACKNOWLEDGE ACCURATE INFORMATION ON THIS ACCOUNT. THEY REPEATEDLY CLAIM TO HAVE CONTACTED THE CREDITOR WHO IS REQUIRED BY LAW TO REPORT ACCURATE INFORMATION. THE INFORMATION SHOWING ON MY EQUIFAX CREDIT REPORT FAILS TO BE ACCURATE AND HAS FAILED TO DO SO FOR OVER A YEAR! 

XXXX XXXX XXXX XXXX REPORT THE DATES ACCURATELY. EQUIFAX CONTINUES TO CHANGE THEM TO WHATEVER THE DISPUTE DATE IS WHICH IS ILLEGAL & AGAINST FCRA LAWS THAT THEY ALONG WITH THE CREDITOR ARE REQUIRED TO DO! CREDITOR SEEMS TO BE ON BOARD WITH KEEPING INACCURATE! 

XXXX XXXX BLEW ME OFF SEVERAL TIMES, BUT THEY DID SEND ME THE STATEMENTS WHICH I CAN USE IN A COURT OF LAW AGAINST THEM ALONG WITH EQUIFAX FOR VIOLATING FCRA LAWS BY CONTINUING TO REPORT INACCURATE INFORMATION ON MY CREDIT DESPITE MY REPEATED ATTEMPTS TO GET THEM BOTH TO CORRECT THE DATES! 

I'VE ATTACHED MY PROOF OF THE STATEMENT SHOWING A XXXX BALANCE & THE DATE IT WAS PAID OFF! THAT NEEDS TO BE REPORTED ON MY CREDIT AS XXXX XXXX NOT XX/XX/XXXX! EQUIFAX IS INCOMPETENT & STUCK ON STUPID! XXXX XXXX  IS NO BETTER IF THEY CAN'T READ BLACK, WHITE, RED & YELLOW HIGHLIGHTS. THE WRONG DATES CONTINUE TO SHOW NOW ON MY CURRENT CREDIT I RAN ON XX/XX/XXXX. SEE ATTACHED COPY FROM THE PAGE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I paid off my loan in full and was issued a refund of {$260.00} ( for overpayment ) effective XX/XX/2023 per their website but HAVE NOT received that amount in my bank account nor via mail/check. I'm tired of their lack of responses to my emails or calls regarding the mishandling of my money. I need them to route that money to my bank account which they had access to as that's where all my payments to them were coming from and they need to send me an OFFICIAL letter that states my business with them is terminated after I receive that refund back. I'm not sure who pocketed the extra refund payment, but it was not received by me and it needs to be returned to me asap. 
Most corrupt student loan company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: CA

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. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # 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 with out my written instruction. 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-09-17 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: CA

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. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights First XXXX XXXX XXXX XXXX has violated my rights Collection # 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 with out my written instruction. 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 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 2023-09-17 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: CA

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. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # 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 with out my written instruction. 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 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 explanation
Consumer complaint received 2023-09-17 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: PA

Complaint narrative:
XX/XX/2022 I was contacted by XXXX XXXX XXXX of XXXX Police Department that a family member was pulled over during a traffic stop and proceeded to provide them with my social security number to elude them ; she impersonated me and tried to have her XXXX charges under my identity. There is an open case of XXXX  and other XXXX  and XXXX  citations. My family member stole a phone that had many of my credit card apps, orders were placed through the apps for store pick up in stores where no proof of identity was needed to pick up any brought merchandise. My identity has been taken from me both XXXX  and financially ; I have been unable to resolve this issue, unsuccessful with making corrections to these errors on my credit report or even obtaining a new copy of Police report # XXXX when my name is listed as the victim. All three credit Bureaus have yet to protect my credit where they are reporting inaccurate information of debt that has not been made by me. Attached is the police report I was provided with, My Federal Trade Commission Identity report where more details are enclosed of accounts and balances.

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 2023-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: MO

Complaint narrative:
I want to see a lease with my signature on it with the address that the appliance was supposably delivered too and I want a signed contract with said company with my name on it and I would also like a valid email because the one you previously responded with does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: IL

Complaint narrative:
I obtained a copy of my consumer credit report from XXXX, TransUnion and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to XXXX [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The TransUnion tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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 obtained a copy of my consumer credit report from Equifax, XXXX and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to Equifax [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The XXXX tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Propel, Inc.
State: TX

Complaint narrative:
On Thursday XX/XX/2023 I purchased a tablet and protection plan from XXXX XXXX for {$190.00}. 

I didnt receive my refund after returning the item. XXXX XXXX customer service told me it was returned and I would see the funds in my bank account at the end of the billing cycle/statement period. Once the cycle ended I still didn't receive my refund or money yet so I contacted XXXX again and they told me to contact my bank. 

I contacted my bank and told them my story. I filed a dispute and they denied it so I got pics and proof and emailed to them and was told best idea is to submit another dispute since I have still not received my money and not XXXX nor the bank knows where my refund was. 

I was messaged and told I would have to wait u till XXXX to get a decision on my dispute. They have not sent me a email with my dispute confirmation code or anything. And it is messing with me mentally because I feel XXXX and my bank aren't helping me and just not caring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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. I told the XXXX  and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: VA

Complaint narrative:
not mine accounts, never had these account remove it from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. XXXX XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXX XXXX / ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : FIFTH THIRD BANK ; XXXX XXXX XXXX, XXXX, OH XXXX Reported for : OVERDRAFTS Date of closure XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX XXXX  : XXXX ARROW XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date ; XX/XX/XXXX Inquirer ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date ; XX/XX/XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX On Behalf Of ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported for : OVERDRAFTS Date of closure XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX BANK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} Inquirer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/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 Date ; XX/XX/XXXX XXXX ; XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX Date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A

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