vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 31. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 32. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 33. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 34. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 35. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 36. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2024-01-06 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT EDXXXX XXXX Balance Owed : {$4200.00} DPT EDXXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX CARD XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: DE

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct.

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 OwedXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found that the removed items was very few. And this complaint was one of my many attempts just to fix my credit record and history. As you can see there were still a lot of fraudulent items present in my credit reports. Please as per FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. But until now only few items were removed so please help me remove these items from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently discovered that {$220000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. I asked for this information and Wells Fargo failed to send me any information or statements fro XXXX  through the present. Also, Wells Fargo claimed that monthly statements were mailed to me, but none were. And Wells Fargo failed to produce any of the monthly statements allegedly mailed to me.

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 2024-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Regarding complaint # XXXX SLS mentioned that they received my 2nd loan from XXXX, but in previous correspondence they said they obtained it from the trustee, which was attorney XXXX XXXX XXXX SLS stated : " With regard to the documentation received from XXXX XXXX regarding the modification of the first mortgage loan that occurred on XX/XX/XXXX, the amount capitalized into the first mortgage principal balance in the amount of {$10000.00} appears to be for delinquent interest in the amount of {$4200.00}, escrow in the amount of {$3400.00}, and fees in the amount of {$2200.00} ''. ( First of all, that information did not come from SLS. SLS never proved that they were even assigned my loan. ) If you add the escrow of {$710.00} to the {$10000.00}, the total is within XXXX cents of what SLS says I owed. The top page of the attachment is from SLS. That amount was added to the primary loan, see principal balance after transaction on the bottom page. There you have it, the 2nd loan was added to the 1st loan, as evidenced by the provisions of the modification, the increase in the 1st loan, a statement by the XXXX Rep, and I stopped receiving statements from XXXX for the 2nd loan after XX/XX/XXXX. Even though there is no proof that SLS was ever assigned my loan SLS threatened foreclosure and took me to federal court. I had to refinance my home and file bankruptcy. My family and I have undergone an incredible amount of stress. In XXXX of XXXX I paid SLS {$33000.00} under protest.

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 2024-01-06 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-06 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet Inc is the servicer of my federally owned student loan, which was transferred from Great Lakes in early XXXX XXXX XXXX XXXXXXXX I submitted Form 1099 C to the IRS, and it was accepted on XXXX XXXX XXXXXXXX  Subsequently, I received a 1099 C copy B for Debtor from Nelnet, confirming the Cancelation of Debt as approved by the IRS stating the following ; You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more Despite this confirmation, my account has not been discharged even after two months.

I sent a certified letter to the Claims/ Discharged Department along with proof of the Copy B I received. The letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted their customer service representatives multiple times, engaging with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They came to the conclusion that Nelnet never sent me the 1099 C- Copy B form, because they couldn't find them on their records evenmore that the letter was fraudulent, however I have proof of the IRS acceptance, and proof of the form sent directly to my mailing address from Nelnet XXXX Since the company lacks visibility to see all the proof at hand. I request a deep investigation and that Nelnet credits my account promptly as required by LAW I am aware of Nelnets obligations as a servicer, as outlined in the SEC filings, particularly their XXXX Form dated XX/XX/XXXX, and their Trust agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX trustee dated XX/XX/XXXX, it is their fiduciary duty to oversee the resolution of this debt. 
As a Certificate holder in the securitization of the student loans, I am deeply disturbed by Nelnet refusal to discharge my account, I demand an immediate and thorough resolution to this matter. Failure to address this issue promptly will leave me no choice but to file the form 211 Treasury and forms to audit my account and escalate this matter to the FTC without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: WA

Complaint narrative:
I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation