vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
I need to update my payment due date. According to Nelnet website, we can do this by " contacting us. '' The two ways to contact Nelnet are by phone call or by website email. I attempted to call, but the wait time for the call center on a Tuesday morning ( XX/XX/XXXX around XXXX XXXX ) is over 20 minutes. Their call service does not offer a call-back option. This is my complaint number 1. It should be essential for the call center to offer call back option. This technology exists, and it must be instilled so that customers can enter a call que and not waste time on " hold '' for 20+ minutes. 
Secondly, I emailed the company and requested to have my due date adjusted. This request was sent into their business during the month of XXXX, XXXX. It is now the end of XXXX, XXXX and I have not received a response. I have a payment due in the next 14 days. It is unacceptable to not accommodate a payment due date request, if I am not receiving my paychecks at the current due date. This should have been easy to resolve in the user account online, yet this company requires this process to be done by " contacting us. '' And now they won't reply to my contact, and make it impossible to speak to them on the phone within a reasonable amount of time. my previous student loan account company was significantly more user friendly. Nelnet us the opposite of consumer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports. XXXX Department of EDU 3x on my credit report fraud and identity theft

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 2024-01-30 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:
After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete these illegal accounts from my credit reports. XXXX Department of EDU 3x on my credit report fraud and identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: NY

Complaint narrative:
After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports. XXXX Department of EDU 3x on my credit report fraud and identity theft

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 2024-01-30 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: CA

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My wallet was stolen in XX/XX/XXXX, with my SSN and State ID inside. Since then, Capital One has allowed XXXX fraudulent accounts to be opened, one in XXXX and one in XXXX. I have been in communication with XXXX who tells me to contact Capital One, and Capital One tells me something different each time, usually resulting in me not getting any new information or being told they can not do anything else. Most recently, on XX/XX/XXXX, Capital One told me that since the accounts were closed ( but not removed from my credit report ), they can not access any information about the investigation or where the correspondence is being sent. After this phone call, I called XXXX, who told me the address linked to the accounts had been flagged as fraud, but Capital One " verified '' them as my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
1. XX/XX/2023- XXXX XXXX ( aunt ) deceased ; XXXX XXXX and XXXX XXXX ( nieces ) named co-executors of estate 2. XX/XX/2023 - XXXX XXXX ( Trusts and Estates Legal Assistant from XXXX, XXXX XXXX XXXX, XXXX., representing the estate of XXXX XXXX ) contacts XXXX XXXX at Chase Bank regarding safety deposit box, and sends email to XXXX, XXXX, and XXXX, confirming the documents needed and the planned date of visit to Chase Branch. 

3. XX/XX/2023 - XXXX XXXX presents all required documents to Chase Branch at XXXX XXXX, XXXX XXXX, NY XXXX, where XXXX XXXX 's safety deposit box is located [ XXXX met with XXXX XXXX ( XXXX ) XXXX, XXXX ; provided her ID, XXXX XXXX 's death certificate, Letters of Administration, XXXX XXXX 's social security number and birthdate ]. XXXX was told by XXXX that she would submit the information and get approval to return and collect contents of safety deposit box within 7 business days. 

4. XX/XX/2023 - No response from XXXX at Chase bank, so XXXX XXXX, attempts to contact XXXX at Chase bank by phone multiple times. XXXX speaks to XXXX XXXX who informs XXXX that " XXXX is no longer there at Chase so we will have to start the process over with XXXX, since she does not have access to XXXX 's accounts ''. XXXX send certified letter via mail to XXXX XXXX including an outline of the prior events with XXXX, which documents were submitted and scanned by XXXX, contact information for the co-executors of the estate, and instructions to contact XXXX XXXX to re-collect the required documents to gain access to the safety deposit box. 

5. XX/XX/XXXX - XXXX XXXX and XXXX XXXX have attempted multiple times to contact XXXX XXXX at Chase bank for follow-up as the safety deposit box is holding up the closing of the estate. XXXX unable to be reached. 

6. XX/XX/XXXX - complaint submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-30 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
This company is reporting multiple fraudulent inquiries on my Chex systems report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Financial Services Accounts Team , Inc attempting to collect a debt in the amount of {$5000.00} on behalf of XXXX XXXX XXXX. The letter stated the company accepts disputes electronically at XXXX and I must reply by XX/XX/XXXX. 

On XX/XX/XXXX I sent a dispute email to XXXX. I disputed the debt and advised the agency I was working with a paralegal with XXXX XXXX XXXX XXXX and he had forwarded my case to an attorney prior to the alleged debt being sent to their office. 

On XX/XX/XXXX I received a notification from the CRA that the Financial Accounts Service Team , Inc. added the debt of {$5000.00} to my credit file. 

On XX/XX/XXXX I sent a letter via email requesting the company remove their negative mark from my credit file and that I am reporting them for violating my rights under the CFPB, FDCPA, and FTC.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-30 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: MO

Complaint narrative:
On or about XX/XX/2024 XXXX XXXX XXXX reinserted derogatory information on such principal consumer report, without notifying or receiving consent from such customer. This shows TransUnion has not done their due diligence of a proper investigation because such derogatory information has been placed back on principal consumer report without consent of such consumer. TransUnion and XXXX XXXX XXXX are willing and knowingly violating XXXX XXXX XXXX which is pursuant to cause harm to such consumer by violating the consumers right to privacy.

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 2024-01-30 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: GA

Complaint narrative:
Experian and XXXX XXXX XXXX continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

Experian and XXXX XXXX XXXX are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.

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 2024-01-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am interested In processing disputes on my credit report to delete a report all inaccurate information that needs to be delete to correct my file. Ive we noticed alot of errors that are hindering my credit report a Needs to be removed asap. please review a delete all items listed to correct the file asap. I spoke to Comenity bank on XX/XX/23 on behalf of XXXX and I gave them all the necessary information and also advised I am a victim of identity theft I closed the account that same day and I was advised they will follow up and never did I'm getting negative reporting my my credit and this needs to be addressed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: Collection Management Holdings, LLC
State: SC

Complaint narrative:
this debt collection agency furnished my nonpublic personal information to the consumer reporting agencies without permissible purpose : written instructions of whom the consumer relates and without my prior consent to reach out to me in regards to a debt. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The acts of furnishing my nonpublic personal information without permissible purpose is an invasion of my privacy, damage to my character, my reputation and my livelihood This debt collection agency has no regard to consumer privacy and is in violation of multiple laws 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand this account be deleted without reinsertion CEASE AND DESIST

Company response to consumer: Closed with explanation