vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
Nelnet overcharged me for interest on my student loan balance during the COVID pause.

During the COVID pandemic, federal student loan payments were paused and no interest was supposed to accrue. Right around the time that the COVID pause went into place in XX/XX/XXXX, I received a loan statement from Nelnet, dated XX/XX/XXXX, saying that the estimated interest on my loan as of XX/XX/XXXX would be {$740.00}. 

I received no additional loan statements from Nelnet until XX/XX/XXXX, when the COVID pause was ended. The next statement I received was dated XX/XX/XXXX. All of a sudden, the estimated interest on my loan was {$1900.00}. My interest had increased more than 250 % during the XXXX pause ( when interest was not supposed to accrue ). 

I have attached copies of these statements. 

I have tried multiple times to get an explanation from Nelnet, only to receive boilerplate responses that don't address my question. I am at the end of the my rope. Since XX/XX/XXXX, I have paid over {$2700.00} in interest payments alone on this loan. I have no confidence that Nelnet is managing my loan properly. It is costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: CT

Complaint narrative:
I applied for a loan on a car repair in the amount of {$2600.00} through Koalafi as offered through the car repair shop. I opted for the 90 Day repayment with no interest or fees beginning XX/XX/year> and ending XX/XX/year>. I missed the last payment and called today XX/XX/year> to payoff the balance of {$960.00}. 

Koalafi representative told me that because I didnt pay on XX/XX/XXXX, I am now on the 12 month plan and the payoff today would be {$3200.00}!! At the end of 12 months I will have paid {$6000.00} on a {$2600.00} loan!!!! 

Koalafi refused to work out a reasonable payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
showed a late payment that took my scores down and I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I have an identity theft case opened with the police. Over the summer I went out of town and my information was used without my permission. Ive asked transunion to remove these inquiries but they are still showing. They listed that they were factual ( meaning authorized by me ) And I disputed it but they refuse to help me. So Im contacting you all to find out if you can let them know this is fraud. I never have anyone permission to look at my profile. Can these inquiries be deleted? Its not fair. Im being penalized for it and in the process of buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action. 

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law.

2. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights.

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified.

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action.

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law. 
XXXX. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights. 

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified.

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

Sincerely, 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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-18 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.

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 2024-09-18 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: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade bank recently suspended my checking and savings account due to unusual activity. I am pretty sure I just use the bank to do US domestic transfer between external accounts. 

The customer service said it will take up to 30 days to fix the problem. 
I have XXXX in my savings account and I am going to purchase a house. the 30 days account suspension would delay or lose the chance of house purchase offer and will cause significant loss of my assets. 

Wish you can understand my concern and my financial distress. 
Could you help me contact upgrade bank accout to speed up the account review and unfreeze the bank suspension as early as possbile? 

I really appreciate your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-18 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-18 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: NC

Complaint narrative:
I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted, to date, I have not received satisfactory proof that the late payment was accurately reported.

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute.

All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting. 

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence.

Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information. 
Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect.

I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately.

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The company said the already requested that the 3 bureaus delete the collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
On XX/XX/year>, I reviewed my credit report and found inaccuracies with accounts from XXXX XXXX and XXXX XXXX XXXX. I submitted a dispute to Equifax requesting an investigation. Equifax later made updates to both accounts, which clearly indicates that the original information was inaccurate. Despite this, they did not provide a detailed explanation of how these accounts were verified, as required under 15 U.S.C. 1681i ( a ) ( 7 ). Without this information, I can not be certain that the updated information is accurate. Additionally, this failure to provide details is a violation of 15 U.S.C. 1681e ( b ), which mandates the maximum possible accuracy of information. These inaccuracies have negatively affected my credit and financial standing.

Company response to consumer: Closed with non-monetary relief