vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Nelnet, Inc.
State: LA

Complaint narrative:
It has come to my attention that my student loans with Nelnet are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with nelnet. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We should not have leads sold when we did not ask for our data to be sold. we should not have to opt out over and over and over again. it has caused massive distractions and phone calls that are not authorized.

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 2023-11-07 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 non-monetary relief
Consumer complaint received 2023-11-07 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: Kikoff Inc.
State: FL

Complaint narrative:
In Accordance with Fair Credit Reporting Act Kikoff Lending LLC Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 

Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/23 : My existing debit card number was fraudulently added to a XXXX XXXX XXXX XXXX per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware of at the time since no text alerts were delivered. Immediately a fraudulent request to replace my debit card was made per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware at the time since no text alerts were delivered. I never lost my card. 

A fraudulent {$1000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. A fraudulent {$3000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. They ultimately made the fraudulent transactions using the new card # despite my not receiving the card until a week later. 

XX/XX/23 XXXX  : I personally became aware of a problem since locked out of my online access when attempting a routine account check and had unexpectedly received a new debit card. Made multiple phone calls, but was unable to connect with the Chase Fraud Dept since it was after XXXX XXXX  XXXX. I was going to call back first thing in the morning and I was able to change my password. I had been on a silent hold for over an hour. 

XX/XX/23 : At XXXX XXXX XXXX while I was still sleeping ( XXXX XXXXXXXX XXXX XXXX, presumably the same fraudulent party hit again by again changing my password. Chase approved a fraudulent business account which then got linked to my username and accounts. Subsequent fraudulent actions were made draining two personal checking accounts. {$2500.00} on a different account and the account originally hit for {$1300.00}. 

XX/XX/23 : Upon waking up and discovered what had happened along with reading new emails, I then contacted Chases Fraud Dept to report the activity, file a claim, and attempted to take security measures. At XXXX XXXX XXXX, received a new email confirming while on the phone to stop sending text messages to an unauthorized cell # which was fraudulently added to my contact phone numbers without any alert. I ended up changing my User ID and Password this time and things were quiet for the time being. 

There would be subsequent unsuccessful fraudulent attempts to compromise my account which led me to terminating online access and 3 different new debit cards. They still tried hacking in leading me to change my User ID and password on two different occasions to no avail. Chase has been extremely difficult to work with despite over a dozen phone calls made plus vague denial letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
I did not make these inquiries. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
I did not make these inquiries. 

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-07 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: NY

Complaint narrative:
I did not authorize this inquiry, and it was carried out by that creditor without my permission. I demand its immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I applied for Avant credit card in XX/XX/2023 and was approved. I moved while waiting for card to be mailed. I obtained a po box address while I was awaiting my new physical residence. They refused to mail to the po box . I've submitted numerous times documentation showing my new physical address with update State Drivers license, rental insurance and lease as well as car insurance ALL showing this physical address. I've emailed, called and complained but nothing settled. It's been over 3 months and the account is open with a credit line but I have no card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IN

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are 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 2023-11-09 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: MD

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''

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 2023-11-07 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: IN

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have already made this complaint before with XXXX but it is clear they want to point blame at UAS. This was the original complaint I made here to XXXX : " I lost my job in tech back in XXXX of 2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my UAS loan. I have been in contact with UAS on the phone and XXXX XXXX through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe UAS is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to UAS is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then. '' XXXX  's response made it clear UAS has all control with payment options as stated by them : " XXXX does not conduct credit reporting, including reporting late payments to credit bureaus. XXXX third-party loan servicer, University Accounting Services ( UAS ), handles servicing on this loan. Because XXXX is not a loan servicer, it can not offer settlements, facilitate payment agreements, or renegotiate the loan terms. The borrower is encouraged to speak with XXXX third-party servicing partners, UAS and Loan Science, for any further deferral information. '' However every attempt I have made at contacting UAS and negotiating a solution I have been met with the same general response : " We will only give you the 6 months of a lower payment that has already been given, please contact XXXX for further assistance '' Not only will UAS respond to this complaint last minute as XXXX did with theirs, but their response will boil down to they will not/ can not negotiate payment options unless XXXX gives them the okay. 

This is a clear " point and blame '' tactic used to clear their name of the obvious : they want their money fast and do not care about the stability and future of their borrowers. I am stuck begging for money as to hope to meet the insane XXXX XXXX monthly payment, and as I am already homeless any ding on my credit will keep me on the streets. I have made my situation very clear to both XXXX and UAS and they have also made their intentions to not help me very clear. It is extremely frustrating having to share with friends and colleagues that I made a huge mistake furthering my education and taking a loan with XXXX and UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I made a payment to my American Express credit card for processing on XX/XX/2023 in the amount of {$7000.00} to be debited from my Citi checking account. After a few days I noticed my balance still had not updated and I checked my American Express account as well. Payment still had not processed. I contacted Citi and they said they sent me a letter that my account was on a hold due to a change of address. I moved well over a month ago. Payments have been processing all month since my change of address. If there was an issue they should have called, emailed or texted me if there was suspected fraud or any hold on my account. I should be made aware directly asap. A letter that takes 7-10 business days is not acceptable. I still have not received this supposed letter as of today. So not sure this supposed letter exists. They finally released the hold on my Citi checking account after I called them. I then contacted Amex and they said the payment was denied/rejected by Citi. They said they would try to process the transaction again but it was denied again by Citi when I had plenty of funds to cover it. Because of this my payment was deemed late and I was charged {$190.00} in interest because of Citi mismanagement of my funds in my checking account. I have never been charged interest as I akways pay my statement balance in full. This is unacceptable. Citi needs to pay my interest fees since they are responsible.

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 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-07 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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