vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding unresolved inaccuracies on my credit report related to a Nelnet account. I previously submitted a complaint XXXX challenging XXXX XXXX  payments appearing only on my XXXX report. 

Nelnet responded to my dispute, but their response is deeply concerning and raises significant Fair Credit Reporting Act ( FCRA ) violations. The XXXX XXXX  payments are present only on my XXXX report. This inconsistency across credit bureaus ( XXXX, XXXX, and XXXX ) is a clear violation of the FCRA, which mandates furnishers like Nelnet to report credit information accurately and consistently to all XXXX  bureaus. Nelnet failed to provide opt-out disclosures related to these XXXX  payments. The FCRA requires furnishers to provide consumers with the opportunity to opt out of receiving account information electronically. Nelnet 's failure to do so constitutes another FCRA violation. Nelnet claims the XXXX  payments are accurate, yet they haven't provided any evidence to support their claim. They haven't furnished a copy of the XXXX  agreement containing my signature, nor have they provided any XXXX XXXX  history demonstrating XXXX  payments. Without proper verification, these XXXX  payments can not be considered accurate and should be removed from my report. Nelnet 's response to my initial dispute is not only inaccurate but also demonstrates a disregard for my rights under the FCRA. I am confident that a CFPB investigation will reveal the merit of my claims and hold Nelnet accountable for their reporting practices. I appreciate your assistance in achieving a fair and accurate credit report. I have attached all relevant documents to this complaint, including my initial dispute with Nelnet, their response, and a copy of my XXXX credit report highlighting the disputed XXXX  payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: OR

Complaint narrative:
On XXXX of 2023 I have received a late payment with XXXXXXXX XXXX  which I believe their system faulted. I believe this to be a billing error on XXXXXXXX XXXX  as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: OR

Complaint narrative:
On XXXX of 2023 I have received a late payment with XXXX XXXX which I believe their system faulted. I believe this to be a billing error on XXXX XXXX as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: OR

Complaint narrative:
On XXXX of 2023 I have received a late payment with XXXX XXXX which I believe their system faulted. I believe this to be a billing error on XXXX XXXX as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I sent a letterlast XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
I sent a letterlast XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXXXXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : 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 2024-03-08 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: IL

Complaint narrative:
Company did not update report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
In XXXX my XXXX payment went from approximately {$1100.00} a month to {$2600.00} a month. I contacted the bank via email to ask what happened in late XXXX. My bank representative XXXX XXXX said the interest matured. I explained I would not be able to pay those kinds of monthly payments as a small business less than a year into operating and was looking into selling the business to an interested party. Additionally, because I was in Florida, I was unable to deposit money into the account as they had no branches for me to go to. 

I called and left messages to speak with XXXX and asked that she via email update the account to connect my XXXX account with the Huntington account so I could deposit money. I've never received a response. 

On XX/XX/XXXX they closed my Huntington account. I followed up again asking to speak with someone from the bank who could tell me what was going on and how to obtain the banks approval to sell the business. 

I emailed on XX/XX/XXXX, XXXX. I followed up again on XX/XX/XXXX as the bank ignored my emails and calls. XXXX on the XXXX said it's been sent to another dept. and someone would outreach. 

On XX/XX/XXXX my brokerage partner firm called and then emailed on XX/XX/XXXX also asking to speak with XXXX or a bank representative on how to proceed. 

On XX/XX/XXXX a rep named XXXX asked me for information regarding assets and said someone would come to take pictures of the assets. I called to try to speak to XXXX and asked for a call back. I emailed the requested information to the bank on XX/XX/XXXX. XXXX refused to call me back. 

On XX/XX/XXXX I again called and emailed the bank asking what amount I could send in to reduce the principle and adjust the large balloon payments and how to gain the approval to sell the business to my buyer. 

On XX/XX/XXXX a new rep named XXXX XXXX claimed to be the person to assist in the process. XXXX asked for information which I provided on XX/XX/XXXX. I again asked for a phone call. 
XX/XX/XXXX the brokerage firm provided the sales listing to the bank. 
XX/XX/XXXX the bank asked for information on the assets. I provided the information the same day. Asked about timelines and a call to understand the process. 

XX/XX/XXXX banks says they will submit for management approval for the asset sale and a revised amortization for the new payments after sale proceeds are applied or asks do I want a settlement. 

XX/XX/XXXX, I'm confused by the response so I ask for a call again with XXXX. XXXX replies that she can talk on XX/XX/XXXX after noon. I emailed XXXX on XX/XX/XXXX requested to speak at XXXX XXXX on XX/XX/XXXX and the best number to reach her at. No reply. 

XX/XX/XXXX, I call at XXXX to discuss. No answer. I leave a vm. I call again at XXXXXXXX XXXX and leave another message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/year> Creditor : XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/year> Creditor : XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: LEXISNEXIS
State: TX

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 1

5 USC 1681. 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 explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I looked over my credit report today XX/XX/2024, and I have noticed some things are inaccurate. According to the fair credit reporting act, when a consumer reporting agency prepares a consumer report, it should follow all the proper steps to ensure the maximum possible accuracy for the information that is being reported for that individual. This XXXX XXXX with account # XXXX is not complete and it is also inaccurate.

According to the 15 USC 1682 s 2A, 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 the information is inaccurate. 

Please see my attach files showing inaccuracy on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays is a card that was opened when I had a trip to XXXX so I paid for my accommodation but they offered me to be an associate to belong to packages around the world with promises that were not fulfilled however I never used those terms and I received a card that had already been charged However, I rejected and started a legal matter that I have to reject said offer before the month I have all the papers since it was a misleading offer and I never used said service and they unsubscribed me. This account was closed and now they sold this account to XXXX but they continue to charge me for something that I did not use

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 2024-03-08 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: IL

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. 
Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy 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 2024-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
To Kings Credit Services, I have been met with continued stalling and evasiveness. Despite my clear and substantiated claims, my dispute for inaccurate charges and depleted security deposit remains unresolved. I have provided timestamped photographic proof, once again, that I left the carpets  spotless. I am not responsible for standard turnover costs, including carpet shampooing, as I left the carpets in good condition. Any contract or addendum attempting to justify this charge violates California Civil Code 1950.5 ( b ) ( 2 ). I demand a prompt resolution and correction of the inaccurate credit reporting. 

Furthermore, I provided a valid 30-Day Notice ( written, signed, and dated on ( XX/XX/XXXX ) in accordance with ( California Civil Code 1946.7 ), as it was delivered in person with a witness and contained explicit instructions to use my funds within the security deposit for the prorated rentfulfilling my requirement to pay final ( prorated ) rent, but the landlord didnt honor my Notice and ignored it despite the lease agreement allowing for the security deposit to cover rent ; since the Notice was perfectly valid and I delivered it with a zero-balance on the account, there is no mistake that I properly gave it, complying with ( California Civil Code 1946.7 ) .

If the prorated rent was honored then there would have been more than enough of the remaining funds of my security deposit to cover for the frivolous statement charges excluding the invalid carpet shampooing charge. 
The failure on the part of both the Kings Credit Services and XXXX XXXX XXXX to accept my evidence and acknowledge this dispute is laughable. Aside from the questionable licensure of the Kings Credit Services, refusing to provide credentials and their website showing they have a a application pending for a California Collection License ( XXXX XXXX XXXX ) ; they inaccurately reported a {$350.00} negative balance to my credit report ( XX/XX/XXXX ), instead reporting the disputeas a dispute on my credit reportthey reported it as a derogatory/negative account with a collection/charge-off status. Their communication tactics have been marked by manipulation, deception, incompetence, and an attempt to shift the burden of proof onto me, reversing my demands for receipts and proof on the part of the landlord with the debt collector having the audacity to tell me I need to prove with my own receipts. A desperate attempt to manipulate the situation further. I demand that both parties acknowledge my evidence and rectify the situation with a prompt resolution to my disputenow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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