vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
On XX/XX/year>, I received an email saying that Nelnet, my loan servicer, was planning to discharge my loans due to VA XXXX % XXXX UNLESS I stated that I did not want them to. I am currently still in school and am going to continue for the next XXXX years, so I do not want them to. I sent them multiple emails over the course of the next XXXX months that stated I do NOT authorize them to discharge. They sent one email back a week ago, asking for contact info, then this morning, I got an email that says they discharged my loans. 

I now can't go back to school unless I - " You obtain a certification from a licensed medical professional that you are able to engage in substantial gainful activity ; and You sign a statement acknowledging that the new loan or TEACH Grant service obligation can not be discharged in the future on the basis of any injury or illness present at the time the new loan or TEACH Grant is made, unless your condition substantially deteriorates so that you are again totally and permanently XXXX '' This severely limits my options and also doesn't account for the loans that I have received for this current semester.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MS XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX OPENED ; XX/XX/XXXX XXXX Thank you for your attention and assistance regarding this matter. 

Sincerely,

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 2024-09-07 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The account was charged off the following date ( XXXX, XXXX ) Since then the account has been repeatedly updated as charged off every month for the year of XXXX. This is an update in the payment history. A charged off account should NOT have an active payment history. This inaccurate information falsely manipulates the statute of limitations. Also, the same account has appeared on my Equifax credit report twice with different dates.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XXXX I initiated a dispute with chime for several unauthorized charges on my account. On XXXX Chime communicated via email that my dispute was denied and concluded no error occured and informed me I could request a copy of the documents they used in making the decision. I requested the documents and they only sent me the intake form from the conversation from when I called chime to dispute the unauthorized charges. I called them again and told them that the intake form that they are using to determine no error occurred is only the conversation I had with the representative and that they should approve my dispute because the charges were unauthorized. They informed me I could appeal and also include a statement from my manager at my job that states I was at work at the times the disputed transactions were made to further prove the transactions were unauthorized so I did. On XXXX they wrote me and stated the same thing that no error occurred with no supporting documents of their decision except the phone call I made about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : 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 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 2024-09-07 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: NV

Complaint narrative:
On XX/XX/24 I placed a complaint ( XXXX ) regarding a XXXX XXXX XXXX collection. They agreed to remove the collection from all 3 credit bureaus. 

XXXX and XXXX have both removed the collection after providing them with XXXX XXXX groups statement in their response to the CFPB complaint above. 

Equifax refuses to remove the collection and says the data is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
I sent dispute letter XX/XX/year> about deletion of XXXX XXXX still reporting on my credit report. The loan/lease is paid in full on XX/XX/year>. I have title to vehicle and verified letter of ownership. Attach included. I received letter from XXXX XXXX stating that I do not have enough information for deletion.

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 2024-09-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent dispute letter XX/XX/2024 about deletion of XXXX XXXX still reporting on my credit report. The loan/lease is paid in full on XX/XX/2024. I have title to vehicle and verified letter of ownership. Attach included. I received letter from XXXX XXXX stating that I do not have enough information for deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
I sent dispute letter XX/XX/year> about deletion of XXXX XXXX still reporting on my credit report. The loan/lease is paid in full on XX/XX/year>. I have title to vehicle and verified letter of ownership. Attach included. I received letter from XXXX XXXX stating that I do not have enough information for deletion.

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 2024-09-07 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: EQUIFAX, INC.
State: FL

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 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
My Gap did a recalculation and increased the amount for a car that had a total loss, they sent this increase directly to the Santander Bank where I had my car loan, this account had already been closed with the Bank, because the total payment had already been made They sent the check to be re-endorsed in my name and they supposedly sent it on XX/XX/XXXX of this year to my address, the check never arrived, Santander is supposed to cancel this check because it was lost and asked them to send me another one, I have spoken With more than XXXX agents during all this time trying to find out what happened to that money, now it turns out that the money does not appear, and Santander does not know how to give me an accurate answer as to what happened with that refund. My XXXX company has already paid that increase. on XX/XX/XXXX via XXXX to my loan number, more than 2 months have passed and I still have not received my money and now Sanarder wants to make me believe that that money never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/year> I sent a secured message on their website for a copy of the 1099 C as it was charged off. The rep responded via email that the debt was charged off to a collection agency. I responded that the charge off went to the IRS and the collection bought the debt. I needed my 1099 C for my taxes to be accurate. I received no further responses. 

I pulled my credit report several times in XXXX and XXXX and was thus waiting on the 1099 C but checked my mail yesterday and noticed the collection company information rather than the 1099C I expected.

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 2024-09-07 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: FL

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 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 

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 2024-09-07 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:
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 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 

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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX of 2023 I sent dispute about incorrect name and addresses listed on my credit report. XXXX XXXX is not my real name. Also I have one address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XXXX XXXX XXXX. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XXXX XXXX XXXX. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: SC

Complaint narrative:
i'am writing to dispute the following information on my file i have reviewed my credit report and identified inaccurate as well as out dated information that i will like to have removed or corrected under the fair credit reporting ACT ( FCRA ), 15 USC 1681

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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I'm writing thus as the description part of my complaint which your website does not include. Again the name is XXXX XXXX and the complaint is about Citizens Bank in XXXX New York. The bank manager XXXX XXXX roads has been tempting everyone 's account. It seems like this women has nothing better to do but back into the banks computer and steal alk the money. 
> I personally am missing over XXXX XXXX XXXX dollars which I receive d in judgements. She's also stealing everyone 's identity and using information from the bank to take out loans in everyone s name my parents name. 
> She's been doing this to all the customers. Between her and her boyfriend ( XXXX XXXX XXXX XXXX XXXX ) who keeps playing games. He keeps pretending to hire and fire her over and over again. This is to make it seem like he cares. This man has been getting a cut too. You see its easier to steal the money put some of it back ( not mine ) than to pay the IRS. 
> Also she's been targeting my elderly parents as well taking loans out and than default ing on the loans so they get stuck with the bill. 
> She's been sleeping with older men and getting money that way too. He's not the only elderly guy she's been leading on like this either. 
> Its clear this matter needs investigating. Please begin investigating and bring her to justice. 

On Wednesday, XX/XX/year>, XXXX XXXX wrote : > My apologies but I forgot to mention the details of my complaints about XXXX XXXX and the bank in question Citizens Bank in XXXX in New York. XXXX XXXX and I did successfully sue numerous parties in regards to a situation here at our home in regards to certain abuses that took place. There were certainly other parties liable but XXXX took bribes I stead its quite obvious. 
> We did win almost every case by judgement and I kept waiting for that money to come into my account. I never got a dime of it. 
> The bank and everyone took Unlawfully took that money instead and cleaned me out totally. XXXX XXXX was a key actor in all this. The money just disappeared. Worse yet no one even told me I had received any payments at all. I kept waiting instead. 
> I tried calling lawyer after lawyer no one will help me. My suspicion is they are mostly all on that stuff. I really need your help. Please feel free to call me at XXXX with any questions. Please investigate its important.

> > Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
In my last request I ask your company to send me real proof regarding the account listed here. You sent me a generic response and I have not received any real proof that this account belongs to me. I will ask for the last time to send me the following. 1. Copy of contract that I signed. 2 Full accounting history of this debt. 3.Every payment I made. 4.All interest of fees that were applied. Let me remind you failure to provide me with proof will be a violation of my rights according to the FCRA. This has caused extreme issues with my finances since you are reporting inaccurate information. Please review my information and delete these items from my credit report immediately.

Company response to consumer: Closed with explanation