vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$980.00} XX/XX/XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2024-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
A complaint was submitted late last year regarding NewRez incorrectly reporting a missing payment in XX/XX/2023. XXXX XXXX replied and I sent a response on XX/XX/2023 to his email on the response letter. After a month, I did not receive a reply and called the number on the letter and left a voicemail. There was no response. This company is unresponsive and reports things incorrectly. They do not value the customer or care when something is done wrongfully. 

NewRez claims that they contacted us regarding late payments but we were never called. We submitted all payments on time and called the company when we did not see the payments debited. After doing a XXXX search, I see that this is a common practice as they have ruined numerous people 's financial records. Please investigate this company and their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or 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 2024-02-20 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: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed items with Transunion multiple times and they are failing to address the merits of the dispute. Instead Transunion is simply stating the debt has been verified, which is a generic response not addressing the actual violation of Rules, Codes and Acts. This has been a months long saga with Transunion going back to XX/XX/XXXX. Transunion is causing undue pain and suffering for not complying with the Fair Credit Reporting Act. 
Transunion is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) which states consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. Utilization is included in transaction history. This was reported previously to Transunion and again the response is it has been verified instead of the actual violation of Rules Acts and Codes they should be abiding with.

In addition, Transunion is in violation of 15 USC 1681e Accuracy and Fairness of Credit Reporting due to discrepancies along with 16 CFR 433.2 Preservation of Consumers claims and defenses, unfair or deceptive acts or practices due to inaccuracies being reported. Again, Transunion has yet to address this issue.

Transunion should only be reporting based on my written consent according to 15 USC 1681b, and I have written and called Transunion to alert them of the inaccuracies and yet they refuse to address the actual issue of the item.

Charge-offs on my credit report are income to me and therefore should not be reported on the credit report.

I am opting out of certain information being reported to my consumer credit report according to12 CFR 1016.7 and 15 USC 6805 and Transunion has not complied.

Transunion is currently in violation of my privacy per the Privacy Act of 1974 and 5 USC 552a.

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 2024-02-20 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: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I have sent letters explaining to remove information from my credit report due to the account closed for a long time. also my personal information was impacted in the XXXX Data breach

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account I listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXX  has violated my rights. 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. I am human and this is affecting my life. Please kindly remove off 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 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I initiated what is known as a " reversal '' of a Bitcoin deposit to my XXXX XXXX XXXX wallet. XXXX informed me it was unable to accept it due to unspecified " security reasons. '' I reversed it to my Coinbase Bitcoin wallet. Upon inspection, it was sent to coin base with less than ten percent of the original fee. Coinbase shows it as received. XXXX XXXX  confirms it was received by coinbases network on the tenth. However, I still do not have access to the funds. Coinbase has stated it has simply not been confirmed and to contact XXXX XXXX. XXXX states to contact receiving wallet. My tax documents from either sight don't show this amount in any of the 1099s for 2023. I do not know who I need to contact regarding this. It is the industry standard that after a few weeks at most the funds will be kicked out of the mempool and would need to be resent. It has been three months. I have contacted both companies numerous times seeking resolution. Exact dates and times would be excessively burdensome due to the sheer amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is a formal complaint that you are reporting failing to comply to 15 USC 1692 ( g ) inaccurate and incomplete credit information.

I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 1.FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name : XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name XXXX  Account Number : XXXX Please investigate and delete 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: NH

Complaint narrative:
The account with Harley Davidson Financial, acct. # XXXX was opened on XX/XX/XXXX of XXXX. The company is reporting it as opened on XX/XX/XXXX. This is an incorrect reporting detail. 


In addition, the vehicle was repossessed in XXXX of XXXX. It was then charged off in XXXX of XXXX. The finance company reports that the last payment was made on XXXX, XXXX. This is a second reporting detail that is inaccurate. 

The third issue is that there is reporting of a missed payment in one section of the credit reporting, yet on another section it says that I've been on time with the payments 100 % of the time. 

Last, this account has been reported as open, then closed, and now open with a missed payment again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In short someone was able to get into my online banking. They set up a bill pay and sent 5 payment over 3 days to a total of {$43000.00}. No one Not even my wife has my bank info. 

I have attached a .doc that is a time line and explains it best as of the weekend.

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 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
Neded money to make improvements on home! Looked on line, XXXX website! Net credit said interest rates were 36 %. Borrowed {$36000.00}, 2 years later, I owe {$4400.00}, with an interest rate of 65 %! Predatory rates, as interest rates in XXXX, are capped at 36 %! However NetCredit skirts this by the XXXX strategy, using XXXX XXXX XXXX XXXX as a front!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
My mortgage servicer failed to pay my homeowner 's insurance and the policy lapsed. They took no action to remedy the issue and only claim that they did nothing wrong. My insurance lapsed for four days while they took no action. The company, NEWREZ, caused my insurance to lapse with no action as they did not pay the premium out of escrow as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My loan servicer was transferred from Great Lakes to Nelnet in XX/XX/XXXX. I subsequently received multiple messages in my inbox on the Nelnet site about my school deferment request being approved ( I did not make this request, though perhaps this was the COVID forbearance? Though it didn't say that. Very confusing ). 

When I logged into my account, I saw that many of my accounts were labeled as under the Standard repayment plan ( I was always under income-driven repayment, even at Great Lakes , so this was incorrect ). 

I applied for the income driven repayment plan SAVE in XX/XX/XXXX, expecting that by the time student loan payments were due in XXXX, my plan would be approved and I would be paying no interest due to my income. I was subsequently placed on an administrative forbearance due to the company being unable to handle the volume of applications. My application was finally approved in this month ( XX/XX/XXXX, five months later ) I have since accrued over {$8000.00} in interest, and this is growing daily. Even though my SAVE application was approved, for some reason my due date is in XX/XX/XXXX ( so interest is continuing to accrue ). 

I am of the understanding that interest should not have been accruing under the administrative forbearance ( as per the Department of Education ), so the interest accrued should be adjusted to {$0.00}. I am also of the understanding ( per the DOE ) that I should be getting credit for income-driven repayment forgiveness for each month spent in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX Balance {$3600.00} XXXX XXXX # XXXX Balance {$5500.00} XXXXXXXX XXXX # XXXX Balance {$30000.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX # XXXX Balance {$850.00} Also any Address other than XXXX XXXX XXXX XXXX XXXX, CA XXXX need to be removed. 
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