vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was notified by XXXX of action on my account for a Nelnet loan disbursed to a recipient in XXXXXXXX XXXX dispersed on XX/XX/XXXX of XXXX for {$3100.00}. I contacted the company, the school XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and contacted XXXX as well. In addition to this incident, I have been indentated with identity theft and fraud and scammed since XXXX. I have submitted FBI tips and I have also submitted XXXX XXXX tips. Including XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, employers email addresses and employers email, employers XXXX account used for creating account access using my name and identity. Phishing emails and messages and texts and DVR eavesdropping and cellphone hacks. XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cyberattacking and all kinds of calls from different places. Also my taxes were filed in an attempt to set a payment for the XXXX offset by the XXXX returns and my taxes were not processed. I went to a tax service in XXXX XXXX and they wanted to charge me more than the tax return itself and more the amount for the entire thing. Very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX License Number - XXXX, Vehicle Financed - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Vehicle Mileage - XXXX miles, Vehicle VIN - XXXX I was told the car was {$5900.00} and yet after review of my contract on the Credit Acceptance Corporation website it states the vehicle price as {$7900.00}, a {$2000.00} difference, as well as signing an opt out agreement for an " extended warranty '' and " Gap Coverage '' yet after review of my contract I was charged {$1800.00} for the extended warranty service and {$1500.00} for the gap coverage. 

So combined I was overcharged {$5300.00} plus the sales tax, finance charges and whatever other fees came from it. I understand CAC can only go based on the information provided to them, so I'm submitting documentation as proof, so they may review during the process. 

Thank you, 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 monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Today, XX/XX/2022, we contacted Regions Bank in regards to a {$72.00} over draft fee that hit our account this morning. We didn't understand how we received the fee because we had {$8.00} left in our account. I checked our account at XXXXXXXX XXXX and also at XXXX XXXX The amount never changed, until we checked our account at XXXX XXXX  It showed our account was - {$180.00}. When looking deeper into the issue, it looked as though Regions moved some transactions around to cause our account to be in the negative. The way that the purchases are listed, it's showing that we've made pin purchases while in the negative. How is that possible? Regions never authorizes a pin purchase if your accout is already in the negative. We informed the representative of this information and they were no help at all. They couldn't give us a valid reason for charging multiple overdraft fees. The representative stated maybe we were not looking at the available balance properly. Even though when you login online it shows you the available balance and the amount be held directly at the top. You can't miss it! When a pin purchase is made, that money is instantly taken away from the available balance. The representative never acknowledged our statements and constantly stated that they were not giving our overdraft fees back. The rep even stated that our fees were caused by a fast food purchase ( XXXX purchased on Saturday, XX/XX/2022 ). We downloaded the overdraft fee document from the website and it shows two pin purchase. XXXX purchase was in the amount of {$44.00} ( XXXX ) and the other is for {$4.00} ( XXXX ). The representative avoid telling us this information and absolutely nothing was resolved. Of course a situation like this has happened before with Regions, a representative stated that we can not go by the transactions listed online because they are incorrect. That we needed to keep track of our own transactions to make sure we up with our available amount. That was a very shocking yet confusing statement! Why would I need to have an online accout if everything is constantly incorrect. Everything they've said and done to justify why they are constantly taking money from us doesn't make sense. We've grown very tired of Regions Bank and all of their excuses. Especially the terrible customer service.

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 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Surepay Lending Group LLC
State: UT

Complaint narrative:
On XXXX my car had a flat tire, I took my car into big o tires to get my tires replaced. Turns out that my car needs an alignment, XXXX of the tires are bald, XXXX is flat and my front control arm and axle need to be replaced and i needed all my tires replaced. I didn't have the money to fix all these issues at once but I really needed my car. I was sold a loan from the cashier, XXXX, about a XXXX interest free loan that could really help me for {$1300.00}. I was never told anything beyond that even when I asked question like " what happens after the XXXX  days ends? ", " how exactly does this loan work? Is it on a weekly payment plan or do I just pay when I want? '' None of these questions were answered properly or were answered vaguely. Even when I called the office, surepay finance, about further details of my loan details and information was withheld from me and i received no new information about the details of my loan or any rules that apply to my payment. or asked further questions to the cashier that sold this to me. I paid an application fee for the contract but when I logged in my contract details changed from a XXXX offer plan to a XXXX day Contract with interest which it's payments after the full year were more than double what I was originally lent. My car broke down a month later XX/XX/XXXX and I lost my job because of it XXXX days later. I didn't have money to pay my loan for about a month, the month of XXXX of XXXX. When I finally got a new job and money to pay off my loan. I logged into the web site to make a payment XX/XX/XXXX. Everything looked fine, I read through all the tabs and rechecked my contract status it still stated that I was in the XXXX day offer and that I still owed the amount I did free of interest. When I attempted to to make a payment the screen changed and said I owed XXXX $ instead of XXXX XXXX When I attempted to make the payment again it showed a new message that said that my contract status was delinquent, my loan was sent to collections, and that the XXXX offer was no longer valid, at this time it's only the XXXX day of my contract. I never received any notice of this change until I logged in today to make a payment. My questions were never answered. I never received emails or letters notifying me of this change but my loan was sent to collections and interest was charged to my loan. The office and the seller never answered any of my questions clearly or failed to respond to any further inquiries about more details regarding my loan or any special information regarding how or when payments needed to be made. I'm still trying to reach surepay finance to resolve this issue as I still fall within XXXX days of my contract and despite their failure to respond to any out reach or messages I have sent them to resolve this issue

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have fraudulent inquiries on my TransUnion credit report and they will not remove them. I contacted the company directly and they did not help me. I did not apply for accounts with the banks on my report. I have fraudulent inquiries on my account from 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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has not honored their obligation to investigate my dispute correctly by law, within XXXX XXXX Incorrect information appeared on my XXXX credit report on XX/XX/2022 : The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. 

Equifax never sent proof, neither did they change the negative payment status on the account. 

After an XXXX XXXX went by, I sent another dispute on XX/XX/2022. In the XXXX round of disputes of this incorrect information, I stated that I previously disputed the account stating : ( The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. ) I also stated that I did not agree with the results of the investigation. I requested that they please mail me the proof of the investigation and proof of the negative payment status for the account, or delete the negative information in the account ''. 

As of XX/XX/2022, Equifax still has not sent any proof, they have not changed the negative payment status on the account, nor have they deleted the negative information in the account. 

This complaint is in regards to the incorrect information for the ( XXXX XXXX XXXX account on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By the provisions of 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) 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 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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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