vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my previous communication dated [ date ] regarding inaccurate and unverified information on my credit report, as reported by your agency. To date, I have not received any response or resolution to the issues outlined in my initial complaint. 

The inaccurate information pertains to the following items : All information is inaccurate and lawfully verified I.e legal standards. 
Incorrect address I.e multiple and inaccurate, It has been months since XXXX any update or fix or correction Acquiesce to claims. By law they need to remove all closed inaccurate accounts I was not notified of any posting of any information on my account. 

I want to emphasize that all of the information in question is inaccurate and unverified. I have not received any communication regarding these matters, and no documentation has been sent to me via certified mail or any other verified method. 

Given the lack of response and the continued presence of inaccurate information on my credit report, I am now considering the applicability of the Freedom of Information Act ( FOIA ) to this situation. 

I expect a prompt and thorough investigation into these matters, and I insist on the correction or removal of the inaccurate information from my credit report in accordance with the FCRA. If necessary, I am prepared to exercise my rights under the FOIA. 

Please treat this matter with the urgency it deserves, and I look forward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my previous communication dated [ date ] regarding inaccurate and unverified information on my credit report, as reported by your agency. To date, I have not received any response or resolution to the issues outlined in my initial complaint. 

The inaccurate information pertains to the following items : All information is inaccurate and lawfully verified I.e legal standards. 
Incorrect address I.e multiple and inaccurate, It has been months since XXXX any update or fix or correction Acquiesce to claims. By law they need to remove all closed inaccurate accounts I was not notified of any posting of any information on my account. 

I want to emphasize that all of the information in question is inaccurate and unverified. I have not received any communication regarding these matters, and no documentation has been sent to me via certified mail or any other verified method. 

Given the lack of response and the continued presence of inaccurate information on my credit report, I am now considering the applicability of the Freedom of Information Act ( FOIA ) to this situation. 

I expect a prompt and thorough investigation into these matters, and I insist on the correction or removal of the inaccurate information from my credit report in accordance with the FCRA. If necessary, I am prepared to exercise my rights under the FOIA. 

Please treat this matter with the urgency it deserves, and I look forward to your response

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 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Newport Intermediate Inc.
State: VA

Complaint narrative:
Prepaid Digital Solutions failed to allow consumer to change PIN on gifts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: NV

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 XXXX XXXX XXXX XXXX XXXX XXXX Federal Law overrides any company policy. 


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 have attached a copy of my Experian credit report. For XXXX. Per Experian my XXXX XXXX XXXX XXXX payments were on time however my XXXX payment is reported as 90 days late. This is inaccurate information. If the months before and after XXXX are reported as on time, it would not be accurate or possible for XXXX to be considered reported 90 days late.

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 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: KS

Complaint narrative:
We started several months ago trying to get our student loan payment lowered. We filled out all the information they needed and still havent heard anything. We received information saying our loan was in forbearance until first of year, but the online account states a large balance due. This balance due is XX/XX/. We chose to pay the principal on the loan, while it was in Congress. Please help us! We dont want this to affect our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
lakeview loan servicings website is not functioning properly. When I try to submit a payment it gives me an error message. However I received an email confirmation that my payment was submitted. Ive tried calling them 3 times to verify they received the payment. No one answers the phone and I cant find any other way to contact them on their website. I have not received any notification that they are experiencing problems to their website prior to trying to submit my payment. There is not communication from this company and its impossible to talk to someone that works there.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
There was a previously scheduled payment for the same day I was attempting to make a payment to pay the balance in full. Wells Fargo would not allow more than one payment. There is no information in their card agreement on application terms and service that limits the payment per day or per month. 

I feel this is an unfair deceptive and abusive act and practice in an effort to ensure they can collect unearned interest on unsuspecting consumers. 

I spoke with XXXX XXXX in the Credit Card Customer area and was unable to assist 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 2023-12-01 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: Wolf River Development Company
State: CA

Complaint narrative:
On XX/XX/2023 I got a loan of {$300.00} from XXXX XXXXXXXX XXXX. On XX/XX/2023 I went to their website and saw my loan pay-off amount was {$290.00}. I paid that amount using my debit card. A few hours later I got a notification that XXXX XXXXXXXX XXXX took out {$100.00} from my account. I called XXXX XXXXXXXX XXXX to find out why the {$100.00} was taken out of my account. I was told that since my account had a scheduled payment amount of {$100.00} {$8.00} for XX/XX/2023, it was taken. I asked that since my loan had been paid off in full will I get my money ( {$100.00} ) back. They said no. 

This is why I'm filing a complaint. I think they are wrong for keeping that ( {$100.00} ) money. I don't think I will ever get the money back, but this is the only way I can think of to express my anger to this company. 

I have borrowed from this company twice before and did not have any problems. 
This number for this loan was XXXX. 

I am a XXXX XXXX XXXX XXXX man on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: Hirshberg Acceptance Corporation
State: MN

Complaint narrative:
THE COMPANY XXXX XXXX XXXX CONTINUES TO INQUIRE INTO MY CREDIT FILE WITHOUT MY PERMISSION, UNAUTHORIZED ACCESSING MY CREDIT FILE CAUSING HARD INQUIRY. I BELIEVE THEY ARE STEALING MY PERSONAL INFORMATION FOR SELL. I HAVE PLACED NUMEROUS FRAUD ALERT ON MY CREDIT FILE, AND XXXX XXXX INQUIRES INTO MY CREDIT FILE EACH YEAR MY FRAUD ALERT EXPIRES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was requesting information about a rental property and the person replied by text and asked me to go to the Transunion credit bureau and get my credit score, and also pay to have credit reporting done and stated that they would repay it was just to make sure that I had the credit for rentals. After I had done that, they sent me another link to do the same thing again. I was on XXXX trying to find an apartment and I have already purchased their credit reporting through Trans Union. They keep telling me to go and enroll and other credit reporting Im assuming to get my card information now

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 2023-12-01 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2023-12-01 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: Global Lending Services LLC
State: TX

Complaint narrative:
This involves XXXX companies that made hard inquiries. XX/XX/2023 and XX/XX/2023 by XXXX XXXX XXXX. XX/XX/2023 by XXXX XXXX XXXX and GLOBAL LENDING SERVICES LLC. XXXX other company XXXX in XXXX XXXX XXXX have removed their inquiry? 

I noticed these back in XXXX but now realized my account was sent to the XXXX XXXX XXXX XXXX agency on XX/XX/2023 by XXXX XXXX XXXX AND XXXX in XXXX, XXXX for XXXX. I also have another one through XXXX XXXX for XXXX on XXXX XXXX from XXXX, XXXX 

Someone living in XXXX XXXX, XXXX or working with XXXX XXXX XXXX XXXX have my information. Their emails could be XXXX or XXXX. Their phone numbers could be any of these : XXXX ; XXXX ; XXXX ; XXXX. 

I called each of the XXXX companies at the top of this message. No good information was given or either I couldn't contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My loan is a VA Loan. I was put on a COVID Assistance deferment since XX/XX/XXXX. I have now paid them what I owe them for the XXXX year. I still owe them for XXXX year. 
However, I became XXXX XXXX XXXX XXXX XXXX XXXX Vet as of XXXX. The tax exemption does not take effect until the following year XXXX. I believe there is an Escrow error and have submitted in writing for an Audit to be done. Carrington Mortgage, will not back date my Escrow since my property taxes went from {$8000.00} in XXXX to now {$780.00} in XXXX. My XXXXXXXX  Mortgage payment was {$3100.00}. After an Escrow Analysis done on XXXX, my Mortgage payment should be {$2200.00}. Carrington wants me to back pay them {$3100.00} for the XXXX year instead of {$2200.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Hours long wait times for their customer service number. Inability to process information properly. Website glitches and crashes, unable to make a payment. Despite being placed on IDR my payments doubled ( student loan.gov couldn't understand why or what happened to cause this. ). Nelnet is a predatory company with a terrible corporate structure, being greedy means folks with loans suffer because they won't hire more employees to handle the volume of calls. Customer service is rude ( if you wait on hold for 3 hours and are 'lucky ' to get through to someone ), errors are made on accounts and new information is not updated to reflect changes ti accounts. Withdrawing more than the amount due for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has determined to continue to impede, furnish information without my consent and choose to NOT provide the proper determination and option to resolve a matter which I have reached out to them on numerous occasions. My progression has been halted due to the insufficient details given by the Equifax representatives who are basically not inclined to give proper direction. 

XXXX XXXX XXXX  documentation is still being rejected unlawfully! 

Sent my information via certified mail ( received on XXXX XXXX ) and on the website due to resolve this matter immediately. Equifax responded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX repeating the same information which AGAIN does not give details as to the documentation that is missing and why they need ADDITIONAL information. 

As per the CFPB, Victim determination is generally defined as documentation of a determination that a consumer is a victim of trafficking, made by either : a Federal, State, or Tribal governmental entity, a court of competent jurisdiction, which includes certain documents filed in court ; ; a non-governmental organization or human trafficking task force, including victim service providers affiliated with these entities, authorized by a Federal, State, or Tribal government entity ; or a self-attestation by a consumer who identifies as a victim of trafficking that is signed or certified by a Federal, State, or Tribal government entity, court of competent jurisdiction, or an authorized representative of these entities. 

https : //files.consumerfinance.gov/f/documents/cfpb_XXXX I have provided the Self attestation which is signed by a Court Judge and they are still rejecting my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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 recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, N.Y XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/, I learned that the XXXX printer I purchased last year is charging me to print in my home because I was promised free printer cartridges for 6 months. But I am being sent instant print cartridges that I have to pay for. If I take credit card off account my account is disabled. Yet I buy paper to print in my home and now account is disabled again because XXXX charged {$71.00} and I requested it be credited back to my account because I requested the account be closed on XX/XX/. However, I am being charged for subscription I didn't ask for. I want All the money returned. Immediately because the charge caused my credit card to be over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My dispute started over 3 months ago as I requested both XXXX and Trans Union to investigate the accuracy of the XXXX items above. Attached to this complaint, you will find a total of four letters confirming what I was disputing above, as well as letters requesting the credit bureaus to send me a description of their reinvestigation procedure per the FCRA 611 15 USC 1681i ( a ) ( 7 ) Description of Reinvestigation Procedure ( 15 Day Time Frame Requirement ).

( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


XXXX received my Certified Mail request on XX/XX/2023, and Trans Union received my Certified Mail request on XX/XX/2023. With today being XX/XX/2023 both XXXX and Trans Union are now in violation of my consumer rights. Therefore, Im requesting that both XXXX and Trans Union remove the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  off my credit report as soon as possible. Also, since they are both violating my consumer rights, Im requesting that you ( CFPB ) take action against them if they do not remove the two above-requested trade lines off my report immediately and send me a new credit report confirming their actions. I appreciate your assistance in this matter!

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