vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX 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.

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 2022-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have been paying on loans through Nelnet that were transferred in 2006. The original loan amount was just under $ XXXX for a XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX. While my initial payments were smaller due to income driven repayment, for the last 8 years ( at least ) I have been paying over {$500.00} a month toward these loans. According to them, I owe them over $ XXXX and my payments never lower the amount I owe. I work hard XXXX XXXX XXXX XXXX but according to them, did not qualify for the COVID pause so when they deferred payments for me for 6 months, interest continued to pile up regardless of being a XXXX XXXX XXXX  who actually XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who required acute care when other health care professionals refused to care for them out of fear. I am a proud American citizen whos only request is to be treated fairly. Please help me. The only time my loans were deferred were when I was supporting my family, my daughters family, and my elderly parents who also worked hard their whole lives only to be left struggling to pay their bills after retirement. I just wish to be treated fairly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I started receiving a collections notice in XXXX for XXXX insurance because I changed insurance companies! Not once did I receive a letter or a bill from XXXX insurance saying that I still owed them money! Just out of the blue I got a notice from a collection agency! I called them and told them I was disputing it, because I never received a bill from XXXX! All the collection agency said was to call XXXX! If I owe them money, they needed to get a hold of me, and I never received any statement saying that I owe them any money!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: MA

Complaint narrative:
I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
Hi, I called EdFinancial on XX/XX/14 to request a refund of {$20000.00} as I received Pell grants in the past so I believe I would qualify for the full Biden-Harris forgiveness amount.

The agent said they put the request through, but I havent seen any requests or updates made on my account at EdFinancial or StudentAid.gov. Im upset because others were able to receive refunds and then loan forgiveness before the program was put on hold due to Republican challenges.

I cant get an answer from EdFinancial as to whether or not I will receive the refund, or even a timeline of WHEN I will find out if the refund would be approved or not. Ive called to check on the refund 3 times now, and they basically say the same thing which is basically nothing!

Even if the Biden-Harris debt relief program never goes through, I still need the refund due to not having a job currently. I used most of my XXXX money to pay off the {$80000.00} loan, and now wish I feel like I did myself no favors by doing the right thing! All I need is an answer or reasonable timeline regarding the refund, so I can plan my financial life. Theres no reason why EdFinancial keeps giving non-answers! 

Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-25 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-25 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: MA

Complaint narrative:
I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

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 2022-11-25 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: MA

Complaint narrative:
I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

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 2022-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Convergent Outsourcing is attempting to collect a debt that I don't owe in the amount of {$73.00}. I never opened an account with XXXX and not sure why this has showed up on my credit report. This is a case of identity theft and is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. Convergent Outsourcing and XXXX should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing and XXXX are in violation of contacting me this is harassment and abusive practices. This is a violation of rights and Convergent Outsourcing failed to send me a debt validation letter before placing this account on my credit for that Convergent Outsourcing should be investigated and shut down as the economy is hard enough living during post XXXX  XXXX. Furthermore whomever really owes this debt should be given a grace period before the debt is just placed on their credit report since XXXX hit the world out of no where and people are trying to repair the financial damage it's caused the debt is only for {$73.00} but the negative impact it has on someone's credit staying for 7 years is crazy and should not be allowed! I am pretty sure there's a way to work out a payment schedule that both the creditor and the person responsible can figure out.

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 2022-11-25 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: TX

Complaint narrative:
I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on google that I can request these item to be verified and receive a response within 30 days. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
More than 7 calls in 7 days, calls coming outside of convenient times including before XXXX and after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: LA

Complaint narrative:
Reference is made to previous Complaint Number XXXX dated XX/XX/XXXX with a report by XXXX XXXX to XXXX in the fraud amount of {$8100.00}. 

On XX/XX/XXXX, I received an alert that a new account in the amount of {$8100.00} was opened as reported by Transunion. Payment status XXXX, Name XXXX, Business Type XXXX  XXXX Street Address : XXXX XXXX XXXX IL XXXX. 

I need assistance in resolving this confusion. My understanding was that my credit was frozen on all three reporting credit agencies, so no new accounts could be opened? Then how did this new account for the same amount start up again? 

Why would this reappear? 

Regards 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 2022-11-25 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: CO

Complaint narrative:
It hard to believe a company that is this removed and incompetent. I expect a complete correction and apology. 

Way back in XXXX XXXX I purchased an annual, pay in advance XXXX XXXXXXXX XXXX XXXX XXXX The credit card I usually use with another bank wouldn't accept the charge ( actually, I didn't see an email from them warning me ) so I used my Discover Card which I have had for over 20 years. Activation didn't work and I spent hours and dozens of calls tXXXX XXXX  out of the XXXX, trying to resolve it to no avail. I filed a dispute with Discover and sent them proof. An hour later ( approx. XXXX  ) they removed the dispute with no explanation. I sent them a long letter with no reply. In an extraordinary effort to expose the fraud and remove the burden, I filed a complaint with the XXXX XXXX XXXX. 

I was contacted by XXXX XXXX ( email and phone number attached ) at XXXX headquarters to resolve the issue. He indicated the product ( the cellphone plan ) was a " network error '' ( i.e., it does not work ) and XXXX would refund the purchase to Discover. 

Without notifying me of anything, Discover Card did place the charge in dispute status after my mailed-in letter ( all my online contact was ignored ). Then, for some reason, again without reason or notification, the dispute was removed and I started to receive statements and charges ; repeat : I do not use the card. I called, waited forever for an agent, then she put me on hold... The automated system said XXXX balance no payment due so I hung up. Discover has continued to charge me, including late fees. 

Per the user agreement, Discover has a firm dispute/customer protection policy ; they refuse to do it. Further, they have ignored all my contacts ; they have failed to research the charge ; they have ignored all the evidence ; they continue to threaten me and send libelous emails ; and they are trying to extort a ) charges for a product that does not exist and b ) late fees. It is atrocious customer service. If I had any faith in my local and only police department I would have filed charges long ago. I may do so online with the FBI for wire fraud. 

I am posting this here for all to see -- stay away from Discover Card. They used to have fine customer service ; they do not anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: CA

Complaint narrative:
I have reached out to Equifax over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Equifax has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Equifax still has my credit frozen. So I repeat, I demand that ALL reports through Equifax under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: NY

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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