vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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, 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 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Signed up on Nelnet for auto-payments early on. On XXXX, the first payment of {$530.00} was due. On the XXXX, I checked bank records-nothing removed and no communication from Nelnet indicating problem. I gave it another day, thinking it was taking time to remove from bank. On the XXXX, I checked my bank info I input in autopay on Nelnet and realized I made mistake inputing account info, so I immediately fixed it and placed in my XXXX total due for XXXX. It went through on the XXXX and was taken out of my bank account by XX/XX/XXXX, but Nelnet amount did not indicate this amount. It showed XXXX total due!! Nelnet account showed a {$390.00} past due amount on a XX/XX/XXXX statement totaling XXXX, with no indication of the XXXX paid. Ive been attempting to contact Nelnet everyday during this time, on hold for over XXXX hours before I HAD to hang up to work. I've sent email to Nelnet, where they sent this : " Our records indicate that your auto debit loan payment has been returned because your bank account is closed. Your payment is now past due. In order for auto debit to be reestablished on your account, you will need to complete a new auto debit request. 

To request auto debit again, please log in to your XXXX account and select Manage Automatic Payments from the Payments drop-down menu. Follow the instructions and agree to the terms and conditions. 

Please remit your payment for {$780.00} upon receipt of this notice. Late fees* may be assessed to your student loan account per the terms and conditions of your loan ( XXXX ). '' There was no indication, no communication, and no explanation of why this {$390.00} was added and no acknowledgement that my actual monthly due payment was received, which is was as indicated in my bank statements. According to Nelnet, there are 15 days to get payment in, which mine was but if they are expecting the additional {$390.00}, which has not been explained or properly justified, I will not be paying it until I gain understanding of why and how that could even happen. I will continue to make my monthly payments. I acknowledge that Im the one that input the wrong digits in autopay, which I corrected within a 5 day period, so why and how can this company create fraudulent expenses when it was within the grace period and was a total mistake on my end, which was fixed immediately. Why is there no one in customer service answering phones, leaving borrowers on hold for over an hour and a half. I never had problems with XXXX but Nelnet bought them out and the first payment, I'm getting fees for things that don't make sense. All I want to do is pay my loan, not get into more debt because of their fraud. Please help, please. What do I do? Thank you for taking the time to read this. I have all necessary documentation to demonstrate I'm doing everything I can to understand and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I created a Gemini.com account in order to aquire XXXX on XX/XX/XXXX. I then transferred funds to my account on XX/XX/XXXX ( {$1000.00} ), XX/XX/XXXX ( {$1000.00} ) and XX/XX/XXXX ( {$48000.00} ). 

On XX/XX/XXXX, I purchased XXXX XXXX. 
On XX/XX/XXXX, I purchased XXXX XXXX. 
XXXX XXXX purchased is XXXX XXXX. 

I have now waited over a month and have went through all verification requests required by Gemini but I still cant not send my XXXX from thier exhange to my hardware wallet. I have been in contact with customer service multiple times but nothing has changed. Gemini still will not let my XXXX be moved off thier exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending
State: TN

Complaint narrative:
I was checking into my credit score and accounts on XXXX XXXX. Saw recommended that I had very good or excellent odds of approval for the total outstanding balance on my vehicle. Good interest rate ( almost half of current rate ), advertised for the entirety of the loan amount remaining. I applied with XXXX XXXX XXXX. Was informed after my credit had already been run that they would only be able to finance me half of the amount of the loan. There is more on the loan than the current vehicles MSRP, but the issue for me is that what was projected to me for application ( and even pushed as a great option with great approval odds ) was based on my specific loan amount tied to my vehicle information. It was unethical in my opinion for this firm to advertise the full amount of loan for refinancing. Cost me time, got my hopes up having found a good option, cost points on my credit score and an additional hard inquiry on my credit report. They took my information, but did not hold up their end of the bargain. To me that is misleading advertising and marketing and cost points from an additional hard inquiry. I cant be playing games like that. Trying to get my family into a home and protecting my credit is important to me. Simply put, what was advertised was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MA

Complaint narrative:
I woke up this XXXX  to multiple emails stating that an account was opened in my name, a direct deposit firm was completed, and multiple transfers were initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: OH

Complaint narrative:
I paid the amount to keep it from going on my credit despite my being over charged and the interest incurring daily is insane. I can not afford these payments especially with the increase in the cost of living. Nelnet has had XXXX response back to me and continues charging me inaccurate amounts and interest overcharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX inquiries from XXXX  XXXX XXXX Ive never applied for any credit card from them Im a identify theft victim n its hurting my credit with hard inquiries

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 2023-10-29 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: TX

Complaint narrative:
Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX  are reporting as negative non payments on my credit even though the accounts are closed. 

XXXX in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!

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 2023-10-29 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: TX

Complaint narrative:
Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX are reporting as negative non payments on my credit even though the accounts are closed. 

XXXX in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been trying to get business funding but TransUnion and XXXX have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over half a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
There is a company called Portfolio Recovery and XXXX XXXX that are trying to ruin my credit. These are debt buying companies that go around and purchase these acts for XXXX on the XXXX  and expect me to pay them. I have asked numerous times for copy of original creditor contract, copies of all payments made to original creditors with balances, and proof original creditor handed them of my acts and how much they paid for them. I have yet to receive any information Ive asked for. Ive disputed these accts several times with all credit bureaus and they have done nothing either but keep saying the acts are accurate and not providing me with the documents Ive asked for. If I do not receive them within 30 days the accts should be removed off my credit reports. They are still being reported. I want all these acts removed from my credit report. Ive already received lawsuit on one of these accts from XXXX XXXX I have to go to court over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, my credit card was fraudulently used, resulting in a charge of {$690.00}, along with an additional {$20.00} international transaction fee being added to the bill. I reported the incident immediately ( within XXXX hours of the fraudulent activity ). A few days later, I received a notification and a letter from Bank of America ( BoA ) stating that the claim I had filed was closed, and that the fraudulent transaction had never been posted to my account. However, the fraudulent charge remained on my credit card statement. Following this, I repeatedly called BoA to dispute the charge. During these interactions with their inefficient customer service, numerous representatives told me it was a system error and that no investigation had been initiated for the previous claim. They promised to help me open a new claim, but every time I hung up the phone, no new claim was established. Even more troubling, XXXX representative maliciously altered the claim amount to as high as {$2000.00}, which was immediately closed. This forced me to call BoA 's customer service weekly, but I never received a resolution. Additionally, if I am unable to pay off the fraudulent charge promptly, I will be penalized with a delay fee and it will negatively impact my credit score.

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 2023-10-29 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: NJ

Complaint narrative:
My morgage transitioned from XXXX XXXX who received my final mortgage payment before the transition to XXXX XXXX. This " XX/XX/XXXX '' payment was made late XXXX. So I did not send my XX/XX/XXXX payment to XXXX XXXX ( I did this under direction of XXXX XXXX ). XXXX XXXX did not account for this in the transition and they have stolen my mortage payment. Otherwise XXXX XXXX after numerous calls and a formal complaint submission by myself with banking transactions, continues to regard my automated timely payments as LATE. This has resulted in XXXX credit report penalties and my score has dropped XXXX points. I have been promised this accounting will be resolved however they still keep ruining my credit score.

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 2023-10-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have several inquiries on my report from companies, I didnt authorize. 

Barcalays Bank Delaware on XX/XX/XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 XXXX XXXX Date of Inquiry XX/XX/2022

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 2023-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: LA

Complaint narrative:
XXXX is reporting on my credit report inaccurate information. After requesting for debt validation and not receiving information, they increase the balance every time I send debt validation letter, dispute with credit bureaus, and every other month during credit updates. This company has not validated information and credit bureau refuse to remove this collections stating it has been validated. It is reporting inaccurately with no validation.

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 2023-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Hello, I was incorrectly charged deferred interest on my TD Bank/Raymour & Flanigan store card. 

Balance due on deferred items was {$270.00} on my XX/XX/XXXX statement. Needed to be paid in full by XX/XX/XXXX. 

I made an extra payment on XX/XX/XXXX in the amount of {$75.00}. 
TD Bank took my auto draft payment for {$200.00} out of my account on the due date of XX/XX/XXXX. 
Total payment submitted for balance due on deferred amount totaled {$270.00}. 
Due date was a Saturday, account was credited for the {$200.00} payment on the following business day on XX/XX/XXXX. Even though both payments were submitted on time, and before the deferred period ending date, TD Bank charged me accrued interest of {$410.00}. 

I believe they are in violation of the fair debt collection practices act as they did not credit my payment properly in order to avoid charging deferred interest. Payments received on weekend must still be considered on time on the next business day. 

I tried to contact them today ( XX/XX/XXXX ), but they are closed. I will be calling them tomorrow, Monday XX/XX/XXXX in an attempt to resolve this, but feel it is in my best interest to be proactive and file a complaint. I have attached my TD bank account statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well the page from my bank statement showing the XXXX above referenced payments ( please note the bank clearance times do not depict the fact that they were made on time to TD bank ). 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29 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: IL

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation