vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: GA

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 XXXX XXXXXXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-15 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: RELIANCE FIRST CAPITAL LLC
State: KY

Complaint narrative:
I submitted a request for assistance with my mortgage on XX/XX/XXXX after missing two payments. Knowing my income was limited in the sXXXX XXXX XXXX XXXX and due to costs related to an out of town XXXX  all summer for my XXXX son, I had tried to apply after missing the first month, but was told I was not behind enough to file. As I am in an active XXXXXXXX XXXXXXXX bankruptcy, additional paperwork was required for the request and the company, Reliance First Capital through XXXX kept sending back paperwork as incorrect and did not accept my request until XX/XX/XXXX ( after XXXX total submissions ). When I called on XX/XX/XXXX, they stated I should call back in 7-10 days for an answer. I called 10 days later and was then informed it would take up to 30 days to process the request. On XX/XX/XXXX, I met with a VA social worker to see if any help was available through the VA. She helped me submit an application to a local organization, but was told a few days before the application was due that they needed a current mortgage statement. The last statement I received was on XX/XX/XXXX which had been sent directly to my attorney. Because I am in bankruptcy, Reliance First Capital cut off my access to all online functions, including accessing statements. I contact Reliance and was given three different departments to reach out to with the final only being an email. The last representative I talked to said that the assistance agency should already have access to them via an online portal for service agencies nationwide. When I asked for the address for this website, I was told only service agencies were allowed access. I emailed the final department requesting my statements be mailed to me and a current statement faxed to the social worker. They did not send the fax and I still have yet to receive a single statement in the mail. Due to this, I did not receive the offer red assistance. I called today, the 30 day mark, and was told my request was denied because the VA said I had insufficient income. A letter had been mailed and I should receive it shortly. To appeal, I had to send back a letter after receiving the denial by XXXX XXXX. This company has given.me the runaround since after I closed my loan. My credit report even shows the loan with a XXXX balance! These people are scam artists who set up their clients to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
XX/XX/2024 Dear Consumer, Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX, Equifax, and XXXX. I believe that these credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), by improperly reporting information about my account. 
The disputed information is a late payment that was improperly reported on my credit report. These late payments is in direct violation of FCRA law and negatively impacted my credit score. 
I am requesting that the aforementioned credit bureaus immediately investigate this matter and correct the inaccurate information. I request that the late payment be removed from my credit report and replaced with a notation stating that the account is " paid as agreed '' or is in " good standing. '' I have attached copies of my credit reports for your reference. I am also enclosing supporting documentation that demonstrates the inaccuracy of the reported information. 
I understand that under the FCRA, I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and complete. 
Furthermore, I would like to point out that according to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not include : Information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. The late payment reported on my credit report falls under the category of information solely as to transactions or experiences between the consumer and the person making the report. As such, it should not be considered a consumer report and should be removed from my credit file. 
I believe that this inaccurate information is in violation of the FCRA and is causing me significant harm. I request that the CFPB take immediate action to address this issue and ensure that my credit report is corrected. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: GA

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 XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-15 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: GA

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 : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-15 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-15 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Auto loan acct closed Received Remediation check for Gap cancellation fees Wells Fargo will not provide balance owed due to overpayment

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 2024-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a personal loan from Wells Fargo I was behind and they took away all my savings without notice and Im still undergoing financial hardships I want my money back plus interest and emotional distress they caused me by then my son was in high school about to go to college and wellsfargo action brought me marital problems and family dispute because I was out of money in could not provide effectively as a Husband and a father, because they charged my account the cost of my credit went up I am now paying too much for my mortgage which I have with them Im demanding {$250000.00} for compensation

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filled out a School Misconduct Application for my school on XX/XX/24. I submitted all the requested evidence. I was denied on XX/XX/24 with the reason of 'Your loan type ( Private Consolidation ) does not meet the criteria for school misconduct discharge '. 

That is not a reason. I want to know EXACTLY what criteria my loan does not meet. 

This consolidation loan was facilitated by this company ( Sallie Mae/ Navient ) with loans also originating from this company ( Sallie Mae/ Navient ) and should for no reason be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I formally disputed inaccurate and incorrect information that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. Additionally, I am aware that your agency and the data furnishers are required to comply with XXXX XXXX format standards when reporting data, which includes ensuring accuracy and timely updates. 
Dispute Details and Specific Violations : 1. Inaccurate Data Reporting ( XXXX XXXX Compliance Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The information reported on this account is incorrect. I have identified errors such as [ describe the incorrect data, e.g., incorrect balance, wrong payment history, incorrect status ]. 
Requested Action : Please update the account information in compliance with XXXX XXXX standards, using the appropriate Compliance Condition Code ( such as " XB '' for resolved disputes or " XR '' for deletions ). 
2. Willful Noncompliance ( FCRA Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The furnisher of this data has knowingly reported incorrect information despite my previous dispute efforts. This constitutes willful noncompliance under the FCRA, and I request that the data be corrected or removed immediately to avoid further legal action. 
3. Failure to Properly Reinvestigate ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : Despite my previous dispute request, the data furnisher failed to conduct a reasonable reinvestigation and continues to report inaccurate information. This is a violation of FCRA Section 611 ( a ). Please update the account and apply the proper Compliance Condition Codes ( " XB '' or " XR '' ). 
4. Failure to Provide Method of Investigation ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : After submitting a dispute, I was not provided with details regarding the method of investigation conducted by the data furnisher. Under the FCRA, I am entitled to receive this information. Please provide the method of investigation within 15 days of receiving this letter, as well as any documentation supporting the verification of the reported information.

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