vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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:
I received my statement for my students loan to Payments to begin. I was already signed up for auto draft but went ahead and made a payment to get ahead a month ( {$180.00} and This is the only reason I am not currently late ). They auto draft the same amount I paid but applied it to an account that has no payment amount posted and a due date for XX/XX/XXXX. I also saw an auto draft for XX/XX/28 for {$380.00}. This was not on last month or the next statement I received yesterday. I can not turn auto draft back on unless it will draft for the {$380.00}. Luckily I caught this or it would have overdrafted my account and caused bank fees I would have had to pay or argue with my XXXX about. On the make a payment screen it shows {$180.00}. And on the overall loan summary it shows {$180.00}. Also since I had to turn off auto draft, my XXXX XXXX  discount on interest is removed so their error is costing me additional money and lots of stress. I spent XXXX hours holding between work meetings to not get through and have been holding for an hour now. I have sent XXXX emails. I know I am not the only one that is probably having these issues. I am trying to make the payments but they are making it extremely difficult. This is preventing sleep at night stressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Experian consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE ACCOUNTS HAS NO MONTHLY HISTORICAL DATA ACCORDING TO 15 U.S. Code, THESE ACCOUNTS MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT DUE TO BEING INACCURATE AND/OR INCOMPLETE OR CAN NOT BE 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE VERIFY THESE ACCOUNTS 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 2023-10-20 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: EQUIFAX, INC.
State: CT

Complaint narrative:
PLEASE VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

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 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
i want to dispute all of this debt. I canceled my gym membership a while back and now im getting a letter that a owe them money when i was never noticed of this. The letter claims XXXX fitness retained a law firm called Aldous & Associates to collect the total amount as a result of my defaulted contract with the company. which makes no sense to me because you cancel my membership months ago and now im receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: AZ

Complaint narrative:
SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. XXXX, XXXX AND TRANSUNION SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.

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 2023-10-20 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: AZ

Complaint narrative:
SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. XXXX, EQUIFAX AND XXXX SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio recovery XXXX They keep calling me and harassing me and seconding stuff to employers and all and this is over XXXX XXXX XXXX debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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 2023-10-20 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information about my names are wrong in my credit report. 

The following names need to be removed from my XXXXXXXX XXXX : NAME ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX Name ID # XXXX. 

My only correct name is : 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 2023-10-20 00:00:00
Product: Credit 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: TX

Complaint narrative:
I opened a dispute on XX/XX/XXXX for {$16.00} about the XXXX XXXX XXXX XXXX plant that I purchased XX/XX/XXXX that I received that is not as described. I uploaded a document explaining in words of why I was disputing this transaction and pictures to online discover disputes. I did not opened a case immediately because seller promised me that this was the item i purchased and one sign of that is to wait for plants leaf to change color in XXXX which never did and passed the XXXX buyer protection of 60 days or so. It was XXXX and the plant was clearly not what i purchased and did not change to a XXXX color as promised by the seller and thevleaves did not look like puctures and many garden experts said that this was not the XXXX XXXX. I contacted the seller but no response. I have more info and specifics of that in the case i opened with discover online. I was told by XXXX that they can no longer help and to go to my financial institution or Discover credit card company. I opened a dispute to them only to get denied a refund because discover customer service told me that XXXX refuted the dispute and that in order to get a credit from discover is to contact XXXX and work something out and agree for discover to give me a credit itself. I contacted XXXX and told me that they don't have the ability to deny a refund and told me there's nothing XXXX can do to help me since I filed a chargeback with discover and that discover should be helping me on this case. So I contacted discover again and they told me that there is nothing they can do. Discover customer support is requesting me to do something that is unrealistic to contact my merchant for proof that they will refund me to give to discover for them to give me a credit when the merchant is not willing to work with me. Discover should step in and help me when the merchant is not willing to work but discover customer service doesn't want to step in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
See document attached

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 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OK

Complaint narrative:
XXXX XXXX  repayments resumed in XXXX. My loans are currently handled through Nelnet. My first payment was due XX/XX/XXXX in the amount of {$270.00}. To cover this payment, on XX/XX/XXXX I made a payment of {$520.00}. On XX/XX/XXXX I checked the account to see that the payment I had made had been applied to the account, but was not considered applied to the XXXX bill. Therefore, my account showed XX/XX/XXXX as a missed payment. 

My account now shows I owe {$540.00} on XX/XX/XXXX because they combined the " missed '' XXXX payment in with my payment due in XXXX, and I now have a missed loan payment on my record and credit report. 

I called customer service. After an unreasonably long hold time of XXXX hours and XXXX minutes I was told they'd file an account adjustment form, but that the form would take XXXX weeks to process which means I'm still stuck paying the {$540.00} I just will no longer have the missed payment on my credit report. 

With student loan payments resuming its unacceptable for them to be so short staffed that wait times are north of XXXX hours. It's also frustrating that there's essentially a {$270.00} extra payment I'll be forced to make. Despite it being applied to the loans it's unplanned and tough on a budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-10-20 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: DISCOVER BANK
State: FL

Complaint narrative:
if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Remove this account listed below in accordance with the FCRA 1681b ( a ) ( 2 ). 

XXXXXXXX XXXX Additionally, Title 15 U.S.C. 1681 Section 602 States I have a right to privacy.

Title 15 U.S.C. Section 604 States a Credit Reporting Agency can not furnish an 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 2023-10-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
in XXXX my XXXX  credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX  requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: MO

Complaint narrative:
See document attached

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