vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Firstly, I am writing to dispute the collection of the sum of {$190.00} by Sunrise Credit Service. Sunrise Credit Service is a third-party collection agency for XXXX XXXX XXXX XXXX XXXX I explained to XXXX XXXX XXXX  that I never activated or even switched on the XXXX I purchased and later returned it within XXXX XXXX XXXX XXXX 7-day return policy. I also called XXXX XXXX XXXX about the XXXX on the phone I returned but was told the phone number was never activated, so I was good. 

Secondly, I am also disputing a charge on my XXXX XXXX debit account related to the same XXXX purchase on XX/XX/year>. I purchased an XXXX in the amount of {$550.00} and paid for it in full. The monthly charge will apply every month at the point of purchase. The phone arrived at my house, and I discovered it was unsuitable for me, so I returned it within four days of delivery. This is within XXXX XXXX XXXX 's 7-day return policy.

I called XXXX XXXX XXXX confirming the return of the phone, and there was no complaint about the refunded XXXX, but I have not received any payment refund for the returned item. When I called XXXXXXXX XXXX XXXX  to inquire about the status of my refund, I was told that the refund was processed to my debit card account with XXXX XXXX 

However, when I checked my XXXX XXXX account history, there was no record or evidence of any refund received from XXXX XXXX XXXX. I have checked my transaction history multiple times, but there is no sign of any deposit matching the amount of my refundXXXX XXXX XXXX  was unable to resolve the issue and confirmed there was no refund to my account. 

Therefore, I believe there XXXX have been a mistake in the refund process or fraudulent activities that occurred during the return process. I request that the Consumer Financial Protection Bureau investigate this issue and seek appropriate action to rectify it.

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 2024-01-29 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: CT

Complaint narrative:
My federal loans were transferred this past year from mygreatlakes to nelnet. I made payments for 10 years and have never once had an issue. When this happened, I created an account with nelnet and set up the autopay right away. When my loans went into repayment this fall, the autopay payments did not go through and they sent me to collections after 1 month of non payment. My credit score was hit hard. I called immediately to fix this and waited on hold for a very long time. I let them know that there was no correspondence from them on their site, I have the confirmation stating autopay was successfully set up, and no where is my actual monthly payment amount stated anywhere. When I called they let me know my monthly statement was {$130.00} and I let them know the issue regarding the autopay ( which apparently many transfers are dealing with ). I re set up autopay again but it would not allow me to specify how much I was setting it up for. I gave it time to process thinking maybe I would be able to edit it after the fact. Nope. They are not allowing me to specify what amount I wish to pay with autopay whatsoever ( which is frustrating as I wish to pay more each month ) and in fact, the amount that nelnet set the autopay up for is {$95.00} which is far less than the monthly payment amount that they told me I owed. I can not express how awful the experience had been with this servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-29 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: TX

Complaint narrative:
I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 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 2024-01-29 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of a charge-off entry from my credit report. I understand that this account XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance : XXXX and subsequently reported to your bureau. 

I have taken significant steps to address and rectify the financial difficulties that led to the charge-off, and I would like to kindly request your assistance in removing this derogatory entry from my credit report. 

I acknowledge the financial challenges that led to the charge-off, and I take full responsibility for the situation. However, I believe that the circumstances surrounding this charge-off do not accurately reflect my current financial standing. 

I kindly request that you investigate and verify the details of this charge-off. If it is found to be inaccurate or incomplete, I request its immediate removal from my credit report. I am committed to rebuilding my credit and maintaining a positive financial profile. 

I understand that the reporting of accurate and up-to-date information is crucial for the integrity of credit reports, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the steps taken to update my credit report. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: SC

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 explanation
Consumer complaint received 2024-01-29 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: SC

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 explanation
Consumer complaint received 2024-01-29 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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 2024-01-29 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely frustrated with the persistence of fraudulent accounts on my credit report. After filing an identity theft report on Identitytheft.gov, the associated bank confirmed the report 's validity and assured the immediate removal of the accounts. 
Accounts : 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 2024-01-29 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: GA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 explanation
Consumer complaint received 2024-01-29 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: MD

Complaint narrative:
I submitted this complaint to update this suspicious information. The Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-01-29 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of a charge-off entry from my credit report. I understand that this account XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : XXXX and subsequently reported to your bureau. 

I have taken significant steps to address and rectify the financial difficulties that led to the charge-off, and I would like to kindly request your assistance in removing this derogatory entry from my credit report. 

I acknowledge the financial challenges that led to the charge-off, and I take full responsibility for the situation. However, I believe that the circumstances surrounding this charge-off do not accurately reflect my current financial standing. 

I kindly request that you investigate and verify the details of this charge-off. If it is found to be inaccurate or incomplete, I request its immediate removal from my credit report. I am committed to rebuilding my credit and maintaining a positive financial profile. 

I understand that the reporting of accurate and up-to-date information is crucial for the integrity of credit reports, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the steps taken to update my credit report. I am asking for your assistance to remove this charge off account in my credit file : 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 2024-01-29 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: CA

Complaint narrative:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention an ongoing issue with Experian, which remains unresolved despite my attempts to rectify the situation. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies in my credit report. Regrettably, to date, I have not received any response from them. The details of the inaccuracies and the required corrections are outlined below : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please correct/update this inaccurate information 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 explanation
Consumer complaint received 2024-01-29 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: GA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX Balance : {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$6000.00} XXXX XXXX Balance : {$8000.00XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX XXXX debt collection XXXX XXXX  has been calling me and collect the money in the account has been closed and paid off and I understand even has payoff still is not gon na move from my credit report, but I sent it dispute too many time XXXX not complete and I would like this time the company see my message and complete my dispute

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 2024-01-29 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. 

If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$2800.00}.

Company response to consumer: Closed with non-monetary relief