vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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: NV

Complaint narrative:
I am writing this letter to you in good faith so that you can rectify an error on the payment report on account XXXX XXXX XXXX and account number XXXX, this account is 100 % paid on time and my credit report shows a late payment of 30 day what is an error, I demand that you rectify my account information because everything was paid on time and I sent you the payment confirmation letter for the month that was reported late and the month is XXXX, but I have proof of payment to time in XXXX and I am going to send them to you to verify and rectify that error that is in my credit report and is affecting my credit report and my credit score, I hope you fix the incorrect information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor: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 non-monetary relief
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
I sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor: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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: MOHELA
State: CA

Complaint narrative:
My student loans are in forebearance until 2040, but I want to remove it so I can make payments towards public service loan forgiveness. I have made many requests over the past two months that they remove the forebearance, but they never do. I have missed two payments towards PSLF now. They told me over the phone that they will remove it but they never did. They ignore my electronic communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In response to a financial review, American Express suspended all my accounts, just as they previously threatened to close my account. I refuse to provide any financial documents, so I'm frustrated with Amex. Since opening my XXXX card this year, I've made {$10000.00} in purchases, promptly paying back every cent. It's disheartening to face this harassment now. Few years back - they did the same thing- they threatened me and closed my account. Sometime later, I decided to come back - now they are harassing me again. I submitted the documents they requested when I re-establised the relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2023, I made an online purchase for an item from a company entitled XXXX XXXX. The XXXX carrier expected to deliver my package however, the item was either misdelivered or lost in transit because it was never received. I had to struggle with the consumer and XXXX to reimburse me for the lost package. The consumer displayed a lack of support during this claim process and XXXX constantly referred me to the seller per their policy. After this difficult ordeal for 2 months, I finally filed a XXXX complaint against XXXX and XXXX customer relations provide a goodwill payment in the amount of $ and advised me that the consumer should have filed the claim and handled the resolution with them directly. I have open a dispute in which Affirm denied and told me to resolve the matter with XXXX. I then submitted an appeal or re-evaluation indicating that since the consumer did not follow the correct procedures in terms of the refund, I should not be responsible for the loan. I also filed two XXXX complaints against Affirm for this loan that should have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. 
Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The accounts in question ( Dept of Edu/Nelnet ) all transfered to XXXX in XX/XX/2023 ( Please see Transfer Letter and XXXX Payoff and XXXX Balance attachments ). However, although Nelnet shows a {$0.00} balance, they have not closed the accounts or reported them to XXXX as paid off, so my credit report shows the same amounts for both Nelnet and XXXX ( see XXXX attachment ). The Nelnet accounts show as open and 0 % paid for each amount and this has already negatively affected our credit and ability to get a better car loan. I filed a dispute with XXXX in XXXX, but they resolved that we must contact Nelnet because the accounts are still open. I contacted Nelnet on XX/XX/23 and was told that nothing can be done because their bank has a " credit suppression '' hold. This is unacceptable. The accounts, by law, have to be closed and reported to all three credit agencies, including XXXX, as paid in full and closed. Nelnet refuses to take these rightful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NJ

Complaint narrative:
illegal accounts on credit report due to Equifax Data Breach. I went to https : //www.equifaxbreachsettlement.com to see if my information was impacted and It stated that I was. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have not been receiving bills or any communication from Aidvantage, despite payments restarting in XXXX. I have spoken with 4 or 5 Aidvantage employees over the last 3 months and all have told me to expect paper bills in the mail because that was what my account was set to, but I have not received them. Because of this, either Aidvantage or the Department of Education placed me in an administrative forbearance from XXXX through XXXX with my first payment due in XXXX. During this time, I was told that no payments would be due. 

On XX/XX/XXXX, I received an email from Aidvantage stating my loans terms had changed and that my first payment in the amount of {$95.00} was due on XXXX That email is attached to this complaint. 

On XX/XX/XXXX, I called and spoke with XXXX XXXX at XXXX. That call was disconnected unexpectedly, so I called back and spoke with XXXX XXXX at around XXXXXXXX XXXX XXXXXXXX confirmed that I " should '' be receiving paper bills in the mail, but she had no clue why I wasn't receiving them. She said that I should not be receiving any email communications because my account was not set up for it. She also confirmed that I had been in an administrative forbearance that was ending in XXXX and she confirmed my first bill in the amount of {$95.00} was due by XX/XX/XXXX 

On XX/XX/XXXX, I received an email statement from Aidvantage in the amount of {$190.00} due on XX/XX/. This is twice my monthly bill amount. I logged on an saw that my account currently shows a past due amount of {$95.00} in addition to the regular monthly payment of {$95.00}. I have attached this erroneous email to this complaint. 

It is not possible for me to have a past due amount - someone placed me in an administrative forbearance from XXXX during which time no payments were due. I confirmed this on or around XX/XX/XXXX when I logged in and it showed {$0.00} due by XX/XX/. I have also not received any bills and several Aidvantage employees, including my most recent conversation with XXXX XXXX, said that I would receive a bill before my first payment was due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: CA

Complaint narrative:
The accounts in question ( Dept of Edu/XXXX ) all transfered to XXXX in XXXXXXXX XXXX ( Please see Transfer Letter and XXXX Payoff and XXXX Balance attachments ). However, although XXXX shows a {$0.00} balance, they have not closed the accounts or reported them to Experian as paid off, so my credit report shows the same amounts for both XXXX and XXXX ( see Experian attachment ). The XXXX accounts show as open and 0 % paid for each amount and this has already negatively affected our credit and ability to get a better car loan. I filed a dispute with Experian in XXXX, but they resolved that we must contact XXXX because the accounts are still open. I contacted XXXX on XX/XX/XXXX and was told that nothing can be done because their bank has a " credit suppression '' hold. This is unacceptable. The accounts, by law, have to be closed and reported to all three credit agencies, including Experian, as paid in full and closed. XXXX refuses to take these rightful actions.

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 2023-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to each company asking for validation of myself giving authorization to run my credit. I have also sent letter to each credit reporting bureau asking for validation. I have called the credit reporting bureaus asking for validation and also asking that the information either be validated or removed my my credit reports. 

Transunion XXXX XXXXXX/XX/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 2023-12-25 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: MD

Complaint narrative:
Experian has been reporting income on my consumer file as debt. IRS defines any charge off account from a creditor on a consumer file is income 1099c. I have asked for all documentation regarding this matter and Experian has stated been verifed. I never asked for any verification I asked for documentation of any transactions, contracts or permisable purpose that gave Experian any authority to act on behalf.if any information has been verified the company failed to provide me with the sworn statement of verification. Experian is the only consumer reporting agency this is reporting the following information XXXX XXXX XXXX XXXX XXXX accounts {$5300.00}, {$19000.00}, {>= $1,000,000}, {$8900.00}. XXXX XXXX XXXX XXXX {$2500.00}, Bankruptcy, US Dept Ed late payment. This is clearly a violation of my FCRA, FDPC and ECOA rights. I have highlighted all of the information that Experian has been reporting. Per consumer law all information is suppose to be accurate on the consumers file. Experian is not a credit bureau the company merely assumed the roll of have consumers information and this is a disgrace to report inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: TX

Complaint narrative:
I have sent three letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. 

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.

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 2023-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NC

Complaint narrative:
On XX/XX/2023, I had paid the XXXX balance in full on the account and received an email from the debt collector true accord that the payments were paid. Yet, I show on all three of my credit reports that there is an outstanding debt with this collection agency and that there is no up to date reporting reflecting paid.

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 2023-12-25 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: MN

Complaint narrative:
I am in the process of purchasing my first home and I noticed several damaging and inaccurate information of my credit report. According to 15 U.S.C 1681, there should not be any damages on my report. This is a defamation of my character. I would request methods of how they verified certain accounts as well as inaccurate reporting on my account and my disputes would be out right ignored and the damaging accounts still remaining on 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 2023-12-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal. Yours Truly XXXX, XXXX ( All Rights Reserved )

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