vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet has indicated the SAVE repayment plan waives interest so as long as monthly federal student loan payments are made. However, Nelnet 's response did not indicate the interest accrued between XX/XX/2023 until the date my SAVE repayment plan application is processed will be removed/waived. This issue was not addressed in Nelnet 's response. Thus, the letter dated XXXX was informational about the SAVE repayment plan features and apologetic for frustrations regarding the SAVE repayment plan extended processing delay. However, the letter did not address the concern regarding the accrued interest I have no control over. It is assumed at this point I am personally responsible for the financial burden of thousands of U.S. dollars in added interest costs due to Nelnet 's processing delays. Again, like many, many other Nelnet clients I do not see how this fair or acceptable. If Nelnet 's final response either now or after the SAVE application is processed that I am responsible for these fees, it is with 100 % certainty it will be necessary for me to take swift and serious action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
My mother and I jointly hold two CDs at Marcus by Goldman Sachs. The values of the CDs are {$50000.00} and {$25000.00}. My mother, XXXX XXXX, passed away on XXXX XXXX XXXX About a week after her passing, I notified the institution. I was informed that they would close the CDs  WITHOUT EARLY WITHDRAWAL PENALTY upon receiving a certified death certificate and a " Letter of Intent '' directing the institution to close the accounts and on where to send the funds. Those documents were provided to the institution on XX/XX/2023. The following is a timeline of pertinent conversation with the institution : XXXX Verified receipt of death certificate and letter of intent. Told that process will take 3-5 business days. 

XXXX Requested update. Told that process takes 10 business days. 

XXXX Requested update. Told that process takes 3-4 weeks. Confirmed that request is being expedited. Requested call from supervisor. 

XXXX Supervisor called. Stated that accounts would be closed in 5 business days. 

XXXX Requested update. Told that accounts would be closed in 48 hours. 

XXXX Requested updated. Told that request has been expedited but could not give any timeline. 

NOTE : THere are two CDs. The fields below only allow listing one account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my 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 2023-12-19 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One for reporting inaccuracies across all three major credit bureaus : XXXX, XXXX, and XXXX. These inaccuracies include erroneous account statuses, balances, and other critical credit information that fail to reflect my actual credit history. 

XXXX of Inaccuracies : The errors were identified during a credit report review on XX/XX/2023. 
Initial Dispute Actions : Formal dispute letters were sent to Capital One on XX/XX/2023, for each credit bureau, challenging the reported information and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
Nature of Discrepancies : The disputes involve inconsistencies in reported account statuses, balances, and dates of activities for the periods of XX/XX/2023 and XX/XX/2023. 
Lack of Adequate Response : As of XX/XX/2023, Capital One has not provided satisfactory responses or resolutions to these disputes. 
Impact on Credit Score : These reporting inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. 
Repeated Resolution Attempts : Despite multiple attempts to resolve these issues directly with Capital One and providing a 30-day window for investigation and correction, the inaccuracies remain unaddressed. 
I am now seeking the CFPB 's assistance to ensure that Capital One corrects these errors across all three credit reports and adheres to FCRA and XXXX XXXX reporting standards. The ongoing inaccuracies in my credit reports are causing significant harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The aforementioned accounts are fraudulent and have been included on my credit report without any legitimate basis. I demand an immediate and thorough investigation into how such blatantly false and damaging information was allowed to appear on my credit report. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This situation has not only shocked me but has also created an enormous amount of stress and XXXX  as I grapple with the repercussions of inaccurate reporting on my financial standing. 
XXXX XXXX  XXXX PLEASE DELETE!!!! 
It is incomprehensible that your bureau, entrusted with the responsibility of maintaining accurate credit information, has failed to prevent the inclusion of fraudulent accounts. This negligence has not only violated my rights as a consumer but has also tarnished my creditworthiness, potentially causing irreparable harm to my financial future. 
Remove the fraudulent accounts from my credit report promptly and provide written confirmation of their removal. I am appalled by the lack of diligence and oversight that has allowed such a grave error to occur. The impact on my creditworthiness is not to be taken lightly, and I insist on a swift resolution to rectify this situation.

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 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Cadle Company
State: GA

Complaint narrative:
I am writing to seek assistance regarding a debt collection matter that has arisen after my XXXX XXXX bankruptcy in XXXX, which was successfully discharged in XXXX of the same year. Prior to the bankruptcy, First Marblehead was attempting to collect on a loan that was subsequently included in the bankruptcy proceedings. After the discharge, a new entity, XXXX, began pursuing collection on the same loan, despite its discharge in the bankruptcy process. Recently, I communicated with XXXX 's account manager, informing them that the debt had been discharged in bankruptcy. The response indicated that they did not believe it was the same account, citing a discrepancy in account numbers. However, I am confident that this debt is indeed the same, as evidenced by the matching account numbers for a similar loan listed in my bankruptcy. Complicating matters, both XXXX XXXX and First Marblehead, the companies associated with the original debt, have dissolved, making it challenging to obtain the necessary information to connect the dots. I am kindly requesting your assistance in urging XXXX XXXX XXXX to provide proof of the purchase of this debt. This documentation is crucial for me to continue the tracing process and clarify the status of this discharged debt. I appreciate your attention to this matter and look forward to your guidance on how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-19 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: FL

Complaint narrative:
Experian, XXXX XXXX XXXX have violated my rights as a consumer, According to 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are an adverse item, theyre reporting on several occasions without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also within the title 15 U.S. Code 1681 ( a ) b Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for In addition to this section, 15 U.S. Code 1681a - Definitions ; rules of construction ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have also to the actions of trying to inform these companies on their inaccurate personal information and was met with resistance. 
These actions has caused damage 's to my life, with a few examples of my applications being denied in a time of a need also not being able to support my family in a health crisis .To which has also inflicted emotional damages of depression  in reasoning that I can not find somewhere affordable to live.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OR

Complaint narrative:
My student loans were forgiven in XXXX ( per a letter to me from Mohela ), but the balance and updated status has NOT been reported to XXXX. I have disputed the incorrect balance three times, and contacted Mohela asking them to send XXXX the correct information. Mohela is incorrectly reporting the balance to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-19 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: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-12-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
Took a {$1000.00} loan with a 24 % apr. Went to pay off loan in full and first they don't allow full pay outs of the loan and I found out they added {$540.00} of interest on the loan immediately. I look into the loan agreement and it says it's at 544 % interest charge. So a {$1000.00} loans will end up costing {$9200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or about XX/XX/XXXX I went online to sign up with XXXX, reputable dating site. Upon signing up and paying an introductory amount of {$19.00}, I noticed somehow I was redirected to another site. It appeared to be associated with XXXX so I proceeded on. At some point, the amount escalated to {$49.00} per month which included " ALL '' taxes and fees. Further, I noticed my account was being deluged with guys from all over the World. Upon notifying the company, I learned that in fact this was not the dating site for XXXX but a company called Date My Age, an XXXX site. Since I had already paid I remained on the site for {$49.00} which is comparable to other sites. Sometimes in XXXX, XXXX, by accident I found that this company had been making unauthorized charges in varying amounts ranging from $ XXXX {$390.00}, sometimes numerous debits in 1 day on consecutive days. The amount may be over {$10000.00} between XXXX. On or about XX/XX/XXXX, I reported this to my XXXX, Navy Federal Credit Union. They have done nothing but deny all my claims even though XXXX has refused to cooperate or even return the bank calls. I have provided the bank with numerous documents and photos for evidence which they have blatantly ignored to this date XX/XX/XXXX. XXXX is clearly a SCAM dating site XXXX FAKE PROFILES to entice people to spend a lot of money. They have an ANTI SCAM POLICY for refunds for FAKE PROFILES but they DO NOT honor it. Further, there are thousands of other people who have been Scammed by XXXX, whereby the company makes UNAUTHORIZED charges. Banks continue to allow XXXX to steal rather than protecting their own clients. I will be uploading additional documents as I get them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MO

Complaint narrative:
Like yesterday and every day before Experian at the end of the day starts Closing complaints and didn't address the issues but once again gave a criminal response

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 2023-12-19 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
I was checking my credit report this afternoon, XX/XX/19, and saw an unfamiliar debt in collections. It was for the amount of XXXX $ by Commonwealth FinancialXXXXMy bank provided a number to call so I did. Upon calling for information they said that they had attempted to contact me regarding the debt earlier this year. I checked the email they had on file and I received no such email at the time they supposedly sent it out. I asked them to send another email this afternoon and upon checking the email and my spam, I still have not received anything. This has negatively impacted my credit score and I was not informed of the debt prior to it being sent to collections. I dont delete received emails in my account so Im happy to share my emails if need be. I wasnt sure if that would qualify as personal information.

Company response to consumer: Closed with explanation