vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been enrolled in the SAVE program since it initiated through Nelnet. I received an email about recertifying my income for my repayment plan which they have a deadline on their website for XX/XX/XXXX. I thought that was weird given the legal status of SAVE currently but did not want to be placed in another program. On XX/XX/XXXX, I did the recertification application and chose to stay on the SAVE program and today ( XX/XX/XXXX ) the said my application could not be processed due to the legalities of the SAVE program and put me in a forbearance program which interest is NOW accruing. I called Nelnet and they said there is nothing they can do, I called student aid.gov and they said they can see my application but can not do anything and should file a complaint. 
On the studentaid.gov resources it clearly states that a servicer will ask for recertification at the earliest XX/XX/XXXX but yet Nelnet has " recertify by XX/XX/XXXX '' at the top of their website AND sent emails.The studentaid.gove website also has an email that states " IF you submit an application to enrolling an IDR plan OTHER than SAVE, but your loan servicer is unable to process your application within 10 business days you will be placed in forbearance ''. However I DID RECERTIFY in the SAVE program that I WAS ALREADY APART OF and was placed into that program. I followed what was required and now I am being financially punished and nothing can be done by either party? Not acceptable. They shoulder not have you recertify if they don't know the status to then put you in a beneficial forbearance program that generates more money for the companies. I want my 0 % interest back and the interest that is accruing wiped from this issue between Nelnets lack of following federal policy and misleading information. 

I have screenshots and saved information of everything stated here and will pursue this until it is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
I disputed about three things in my credit report and within a week equifax closed my dispute with no further explanation. After requesting documentation I got no further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: DE

Complaint narrative:
Equifax, XXXX have both ruined my credit by unlawfully pulling my credit report. There is misinformation on my report and credit fraud which they failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Subject : Dispute of Rental Charges I have reviewed the Merchant information and I am writing to formally dispute the response from XXXX XXXX XXXX XXXX in regards to the case below. 
I am only asking for charges related to the milage be refunded as I did complete the rental. As indicated below and with other previously uploaded documents, the initial agreement did not indicate that milage would be added to the estimated cost of the rental. 



The details of my reservation are as follows : Merchant Name : XXXX XXXX XXXX  Transaction Date : XX/XX/year> Disputed Amount : {$290.00} - Reservation Number : XXXX - Capital One case : XXXX - Pick-up Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Drop-off Location : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Rental Period : XX/XX/XXXX to XX/XX/XXXX There are several points that I would like to address in this dispute : 1. **Unlimited Mileage** : When choosing a one-way rental on XXXX 's website and via app, as shown in the attachments, it was neverindicated that the rental included mileage charges. This was a significant factor in my decision to choose XXXX for my travel needs. Ive attached screenshot showing unlimited milage. 
2. **Travel Distance Awareness** : Based on the pick-up and drop-off locations provided during the reservation process, National Rental Car Agency was fully aware of the distance I would be traveling. Thus, the agency should have been prepared for the total number of miles put on the vehicle and should not now be assessing extra charges for mileage deemed excessive. 
XXXX. **Original Estimate** : During the reservation and check-out phases, there was no agreement or notification indicating that my final charges would deviate significantly from the original estimate of {$100.00}. The total amount billed is substantially higher than the estimated amount, which is unacceptable and not within a reasonable difference. 
4. The rental was " skip the line '' meaning there was no paperwork given to me prior to the receipt was sent after the car was returned. They never provided notice of milage charges, if they had I would not have rented. 
Given these points, I respectfully request a review and adjustment of the charges applied to my rental. I believe the originally quoted amount of {$100.00} should be honored, and any additional charges should be waived. 

In the dispute with Capital One they said a factor was that I could not provide the initial contract. I feel " skip the line '' is a way for the rental agency and for the card issuer to use as a loop hole for me not being able to provide documentation. How can I provide documentation that was not provided to me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's lack of action violates federal law and my rights 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 explanation
Consumer complaint received 2025-01-24 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX banker pressured me into transferring my Federal student loans to their private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
Mr. Cooper address. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. Another address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I have a mortgage with XXXX XXXX. The Mortgage insurance company is Nationstar. Nationstar apparently changed their name to Mr. Cooper. Nationstar is the mortgage insurance company protecting my mortgage loan. I was assaulted twice and it was necessary to take a leave of absence from my job. It took XXXX years to recover from my injuries. I filed a claim with my mortgage insurance company. I am being denied my insurance policy coverage. I am reporting insurance fraud. Case number in court is XXXX XXXX. Discrimination and abuse by the Judges handling this insurance buyout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Both XXXX XXXX XXXX  and Equifax have agreed there is an obvious error reporting delinquencies in XXXX and XXXX of XXXX on a mortgage account that was PAID IN FULL in XXXX of XXXX. Both companies have ackknowledged it's an obvious error but both companies insist there is nothing more they can do ... Today I followed up with with Equifax using trouble report Reference Number XXXX, A case number that was provided from an earlier escalation to investigate on XX/XX/XXXX with a promise of resolution within XXXX hours ... Today Equifax, Agent ID XXXX told there is absolutely nothing more they are able to do and hung up on me when i asked to speak with a supervisor. 

I AM BEING DENIED A MORTGAGE LOAN AS THE DIRECT RESULT OF THIS NEGATIVE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked in accurate XXXX Account services and 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 2025-01-24 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm reaching out because XXXX, XXXX and Transunion is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC1681 XXXX, XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info.

**15USC 1681s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ; the information is, in fact, inaccurate. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm reaching out because XXXX, Equifax and XXXX is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC1681 s-2, XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info.

**15USC 1681s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ; the information is, in fact, inaccurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was alerted that I had two credit inquiries on my credit report. An individual made an attempt to open two credit cards in my name. 
Capital One XXXX XXXX XXXXXXXX I called both companies to have them reject the credit card applications that were submitted. I know the inquiries impact my credit score so I'm trying to get them removed and the perpetrators caught. 
Thank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MO

Complaint narrative:
I have filed XXXX different disputes in the matter of XXXX years with Experian.To remove information that is incorrect or inaccurate. Also to verify debts. I got the Attorney General involved. Then Experian removed all the accounts. Once the dispute was over. They re-inserted all the accounts to the point that my credit has dropped all my XXXX ratings have dropped. Because of this, it has affected my personal and my business from being able to access funding has also affected my family. Experian has violated a lot of my consumer law rights.

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 2025-01-24 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: ID

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used Zelle with the added protections feature to send money to someone ( {$1300.00} ). I paid extra for fraud prevention and they assured me that they checked the identity of the other party before allowing the other party to access the funds using this additional feature they offered. The money was taken by someone who was a scammer and the company did nothing. They did not do what they promised in our agreement and they would not cooperate with the investigation of getting me the appropriate documents to give to law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation