vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I first opened my American Express account as an XXXX XXXX member of the XXXX in XXXX of XXXX. I called AMEX to verify I would be covered under the Military Lending Act before doing so and they assured me that as an active service member I would be covered. However, in violation of the MLA I was charged an annual fee. I reported the issue to American Express that XXXX and provided documentation supporting my service. I repeated this effort on several occasions throughout XXXX and XXXX, bringing the issue to their awareness again in XXXX and XXXX of XXXX. Each time they have refused to deliver me additional information regarding why I was being rejecting for the MLA, instead only offering resubmit my application for coverage. According since receiving my card in XXXX I have had to pay over a XXXX dollars to AMEX in spite of the fact that as an XXXX XXXX XXXX I should be exempt from any annual fees. In general, the refusal of AMEX to further evaluate my claims for the MLA has cost me a great deal and I have been left with no recourse but reporting them to remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately.

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 2023-10-23 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: 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. 

has violated my rights. Or a 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 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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. 

has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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. 

has violated my rights. Or a 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 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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.

has violated my rights. Or a 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 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 2023-10-23 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: NY

Complaint narrative:
I contacted Nelnet mutiple times via messaging platform linked to my account and via emails. I called Nelnet as well. They placed my call on XXXX hours hold. I asked them to cancel the deferments on my account and continue with the Save Plan. I applied for save plan again on their website and student aid gov page. Nelnet refuses to cooperate and follow up on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
They will not settle with me bc I have fell under financial hardship they wont take what I can afford and they call and harassment my old jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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.

has violated my rights. Or a 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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.

has violated my rights. Or a 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 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 2023-10-23 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: FL

Complaint narrative:
I filed a dispute with XXXX ( XX/XX/XXXX, Report Number XXXX ) and Equifax requesting that they do a full investigation of all information being reported on my credit profiles by XXXX XXXX XXXX XXXX because they were both reporting different information from the same company regarding the same alleged debt.

I also wrote a letter to XXXX XXXX XXXX XXXX  requesting a full investigation and proof that the information they are reporting is valid, belongs to me and is accurate. They did not respond. 

When XXXX and Equifax supposedly completed their investigations, they are still each reporting different information. After a full investigation, XXXX still does not have the date of first deliquency. They show that the collection will remain on my report until XX/XX/XXXXXXXX XXXX which would put the date of first deliquency at XX/XX/XXXX. Equifax shows a date of first deliquency of XX/XX/XXXX, which is also not accurate based on my recollection, which is why I did not recognize this information as being accurate to begin with. How can XXXX claim to have done a complete investigation into the validity of this alleged debt, yet they don't have the date of deliquency? How can XXXX continue to report this collection if they don't know how long they are legally allowed to report it? Furthermore, how can either company continue to report this collect when, after a full investigation, they are both reporting different information? 

Lastly, I disputed the multiple incorrect addresses XXXX refuses to remove several times. XXXX claims that because creditors, including XXXX XXXX XXXX XXXX have reported these addresses, they can not delete them. The only address that should appear on my credit report is the address I've provided them with on my disputes several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
VOLVO XXXX I was never late. Payments were set up on XX/XX/23 from XXXX  checking ( ending in XXXX ). Confirmation # - XXXX. Please review and correct my payment history right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I had XXXX orders from Amazon for over {$150.00} each. Had auto pay with Synchrony credit card and they still charge me. Getting run around since then. Canceled Amazon account and card to stop Fraud by bank.

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 2023-10-23 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: 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.

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 2023-10-23 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: FL

Complaint narrative:
I filed a dispute with Experian ( XX/XX/XXXX, Report Number XXXX ) and XXXX requesting that they do a full investigation of all information being reported on my credit profiles by XXXX XXXX XXXX XXXX because they were both reporting different information from the same company regarding the same alleged debt. 

I also wrote a letter to XXXX XXXX XXXX XXXX requesting a full investigation and proof that the information they are reporting is valid, belongs to me and is accurate. They did not respond. 

When Experian and XXXX supposedly completed their investigations, they are still each reporting different information. After a full investigation, Experian still does not have the date of first deliquency. They show that the collection will remain on my report until XX/XX/XXXX, which would put the date of first deliquency at XX/XX/XXXX. XXXX shows a date of first deliquency of XX/XX/XXXX, which is also not accurate based on my recollection, which is why I did not recognize this information as being accurate to begin with. How can Experian claim to have done a complete investigation into the validity of this alleged debt, yet they don't have the date of deliquency? How can Experian continue to report this collection if they don't know how long they are legally allowed to report it? Furthermore, how can either company continue to report this collect when, after a full investigation, they are both reporting different information? 

Lastly, I disputed the multiple incorrect addresses Experian refuses to remove several times. Experian claims that because creditors, including XXXX XXXX XXXX XXXXXXXX, have reported these addresses, they can not delete them. The only address that should appear on my credit report is the address I've provided them with on my disputes several times.

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 2023-10-23 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: TN

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I had a XXXX savings account that i transferred money from into the America express account. When i tried to withdraw the money they marked it as fraud and now i cant release the money unless i " recall '' the money through XXXX. I have talked to a XXXX manager and it went up the chain they can not do this so called " recalled '' i have explained this to American express and they refuse to help or get a supervisor to talk to me. I need AMERICA EXPRESS to fix their own internal affairs and return the money where it came from the XXXX savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
About 2 months ago, I received a letter from Chase credit card stating they received an application for a Chase Freedom XXXX XXXX credit card using my personal information. The letter stated they needed to verify this is really me. I received the same letter today. I call, give the reference number and am told they will destroy this application. This is twice now! I dont want my credit score ruined, nor do I want anyone using my information to obtain a way to purchase items that I may be responsible for paying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX bought my daughter 's student loan from XXXX XXXX, quadrupling her payments, now {$830.00} a month for what started as a {$49000.00} loan. She was able to make her payments on her own before the change. XXXX and a vast rip-off!!! I am in the process of trying to refinance the loan, for which I am the Co-signer. If zero stars were an option!

Company response to consumer: Closed with explanation