vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loan service provider, Nelnet is violating the terms of the settlement agreement of the XXXX  XXXX XXXXXXXX case. According to the settlement, I should be in forbearance while my borrower defense case is pending or processing discharge. Nelnet has me in repayment. I have been making contact with Nelnet and Federal Student Aid since XX/XX/2023 advising them of the issue and asking for them to put me in forbearance at least three times over telephone. Nelnet assured me that I would be put into forbearance and they would be making the change. This change hasnt happened yet, Nelnet has refused to provide anything in writing, and when I asked for telephone transcripts, they refuse to provide that to me. I am asking that Nelnet comply with the terms of the settlement agreement. 
Additionally, Nelnet sent a letter dated XX/XX/2023 with partial discharge however, no movement has been made on my account. FSA tells me that all of my student loans with the XXXX XXXX XXXX are to be discharged however because they were consolidated it will take a little bit longer, Nelnet is not providing any information on next steps or what I should be doing, but they are demanding payment with the first payment due in under XXXX days from today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX This is not mine. 

XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectXXXX XXXX XXXX Incorrect XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXX  Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number:7466 has violated my rights. Or a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
i have information that does not belong to me in my report and it is harming me, i want it to be removed from my history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23, I was notified by bank that they were closing my account. After a couple of weeks, I was told that there was a fraudulent wire sent to my account. I was told that the wire was to be returned and the balance of the funds would be sent to me. I have called dozens of times and visited my local branch several times. No one will provide me with any information regarding the release of my funds. It has been XXXX and half months and my money has not been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: FL

Complaint narrative:
I have spoken to reps from Mohela in XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have filed a credit dispute from XXXX in XX/XX/XXXX ( although all credit bureaus are reporting {$240000.00} owed to Mohela as of XX/XX/XXXX. Loans were forgiven XX/XX/XXXX due to PSLF program and reflect zero account since then. I would like my credit reports to be accurate. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I'm using American Express Travel Platinum Credit Card for past 6 months. I was charged annual fee of XXXX XXXX. Amex cards are hardly accepted in XXXX. While applying, i was informed it is accepted everywhere. Few top brands had board in their payment section that Amex cards acceptable but they aren't accepting amex cards because they charge more compared to other credit cards. Some websites either don't accept or charge extra for using amex card. For international payments, charges are 5 to 7 times higher than the other credit cards. No mention was there about charges on international payments at the payment site. Charges were hidden in exchange rate and it was never disclosed with the user. Even after paying huge annual fee, we won't get access to lounges in international terminal of XXXX XXXX. I never recommend amex card to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have recently engaged in a dispute process with XXXX, Experian, and XXXX concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the METRO2 standards of the accounts in question. As you may be aware, the METRO2 Compliance system, established collaboratively by Experian, XXXX, XXXX, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, XXXX, XXXX, and Experian have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; XXXX, Experian, and XXXX adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with XXXX, Experian, and XXXX 's assistance. Despite the evident misreporting of the accounts, XXXX, Experian, and XXXX has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with XXXX, Experian, and XXXX, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: SC

Complaint narrative:
My husband died on XX/XX/. Several days later I called them to tell them he had died. They closed his account immediately, while I was still on the phone to them. There is still approximately {$340.00} left on his account. I asked them to let me transfer his money to my account at that time. They said they would not do that until I sent them a copy of his death certificate and a statement of his estate from probate. I told them there was no need to go through any probate of his estate because there were no assets to be distributed except the {$340.00} in his account and there was no one claiming assets because there weren't any assets. He did not have a will. They insisted they needed those two things, a copy of his death certificate and a statement of his closed probate. 

Since then I have repeatedly talked to customer service and they repeatedly tell me they need a copy of his death certificate and a statement of his closed probate from the.probate office. I have emailed them a copy of his death certificate months ago but they simply won't give me his remaining balance of approximately {$340.00} unless they get a statement from probate. His estate consisted of nothing. I can't open probate with no assets. So they will not give me the money left in his account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
Experian closed another complaint but back to using the standard response computer generated but as usual did nothing to address the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
XXXX XXXX XXXX has furnished data to Transunion and XXXX that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IN

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX  XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

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