vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
XXXX, XXXX, and Transunion is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
XXXX, Experian, and XXXX is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Acct : XXXX Nelnet has refused to discharge my loans multiple times. I, XXXX XXXX XXXX, a living natural person has reported a XXXX along with a corrected version that were accepted and mailed to Nelnet 's XXXX office from the IRS. XXXX is considered a negotiable instrument and does categorize as tender of payment. 

UCC 3-603 states : b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Furthermore, my last CFPB complaint states that my loan was already discharged with my signature and traded on the secondary market for their own beneficial use. Nelnet replied that this was not correct, they do not trade on the secondary market and that I was responsible for the debt despite my account being transferred from the original holder in due course. I took the liberty of finding Nelnet 's words on their XXXX form filed XX/XX/XXXX and it reads as follows : Investment portfolio - debt securities The XXXX invests excess cash in debt securities, primarily student loan and other asset-backed securities. Included in NFSs debt securities portfolio are certain of the Companys own asset-backed securities ( bonds and notes payable ) that were issued to finance student loans that the XXXX repurchased in the secondary market. For accounting purposes, these notes are eliminated in consolidation and are not included in the Companys consolidated financial statements. However, these securities remain legally outstanding at the trust level and the XXXX could sell these notes to third parties or redeem the notes at par as cash is generated by the trust estate. As of XX/XX/XXXX, the par value and fair value of the XXXX debt securities held in the XXXX division, including its own asset backed securities, was {$900.00} XXXX and {$820.00} XXXX, respectively. The XXXX has entered into repurchase agreements ( debt ), the proceeds of which are collateralized by the asset-backed securities ( bond investments ). As of XX/XX/XXXX, the XXXX had {$200.00} XXXX of repurchase agreements outstanding that were collateralized by {$250.00} XXXX ( fair value ) of asset-backed securities investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently appeal to you to take immediate steps to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize them. It is unjust for me to be held accountable for these accounts, as I did not initiate or approve them. I urge you to promptly address this issue.

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 2024-04-29 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: MA

Complaint narrative:
This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account successfully disputed and removed, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in 2021 that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The Experian report makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times. It shows as a new collections account and has significantly reduced my credit score.

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 2024-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TN

Complaint narrative:
I was working with a mortgage company on a refi loan for my home. During the process I requested that my appraisal be transfered to another lender as I did not want to work with them anymore. Initially they did not respond to me or the new lender. After some pestering they sent me a CC authorization form to pay them for the fee of the appraisal. I asked them to invoice my new mortgage company, and agin silence. After a few days they told me they have given me instructions and to work with my current lender to get them to transfer. I finally was able to get the VA to transfer, but the old lender was not the reason, and in fact delayed the process from being complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NE

Complaint narrative:
This account XXXX XXXX XXXX Account No. XXXX is showing as a charge-off but this account is not mine and has to be removed. According to the 15 U.S.C 1681 law there shouldn't be any inaccurate and unauthorized information on my credit report. This is a defamation of character and all unauthorized accounts should be deleted 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: ACCESS GROUP INC.
State: NE

Complaint narrative:
We as a family have had significant health issues beginning in XXXX XXXXpresent which has greatly impacted our lives. In XXXX, XXXX late payments were reported even though the payment was received at XXXX on XX/XX/XXXX. For the payment to be counted as " on-time '', it needed to be processed by XXXX on XX/XX/XXXX but due to the processing problem it was delayed which made it late. Actual posting was the following day, XX/XX/XXXX which was late. 

I was not aware of this until recently applying for a mortgage. It is having a serious impact on my credit score. I have never been late with a payment until this time and they are almost paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was opened fraudulently, I sent in documents and reached out to this company who told me they no longer has the debt. I call the collection agency who then removed it, but XXXX XXXX XXXX XXXX  still has it in my report for the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
This account was opened fraudulently, I sent in documents and reached out to this company who told me they no longer has the debt. I call the collection agency who then removed it, but XXXX XXXX XXXX XXXX still has it in my report for the last 4 years.

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 2024-04-29 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 XXXX  XXXX XXXX {$59000.00}, # number ending in XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. 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 instruction.

15 U.S.C 1681 c. ( 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 accurate.

I want the CFPB to publish this description on Consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able identify me. Learn how it works. I consent to publishing this description after the CFPB has taken steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Gregory Alexandrides, LLC
State: MD

Complaint narrative:
I received a letter stating my HOA was sent to this company for collections for the amount of {$1100.00}. I reached out to the company on XX/XX/XXXX asking if I could try and settle the debt that was written in the letter. The young lady let me know that I would need to email asking for the debt settlement. She also stated, that as long as I was in negotiation of settlement, they would not put a lien on my property. 

I received a letter XX/XX/XXXX stating the settlement was denied. I then sent another email on XX/XX/XXXX, asking for another settlement request. No response from company. I received a letter in the mail on XX/XX/XXXX, not only increasing the amount with no notice to {$1700.00} but also stating my property was now having a lien put on it for no payment. 

I contacted the company again, today, XX/XX/XXXX, asking why I have not received anything in writing letting me know my settlement was denied or that the amount has increased. They stated, they have not had a chance to send the letter yet. But they are moving forward with putting a lien on my property. How is this right, when I am in communication with the company requesting a settlement with no response. 

The gentlemen was very rude, nasty and disrepectful. He hung up on me when I asked for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
Its been months since i found out that my family member by the name of XXXX stole my information and used it to get credit cards, i was only notified when i started receiving phone calls about delinquent accounts. I need help in removing these fraud accounts from my credit report. I have disputed with the bureaus but they have done nothing.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-30 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-29 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: WI

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was told I owe old capital one card for over {$2400.00} but settle {$2000.00} to pay {$50.00} a month. But I never had account or card years before back before XXXX or any card. I told them I wanted to refuse and dispute this matter due to never used it and had it. Cause I'm on fixed income only child support, have XXXX XXXX XXXX to take care of. I can't pay a debt that I didn't create.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-29 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX, when I applied for a loan modification, communication with Selene Finance has been challenging. Despite their policy of a two-business-day turnaround for document acknowledgment, my attempts to engage with our designated loan officer, XXXX XXXX, have been unsuccessful. I believe my case has not been given the level of attention it deserves. Aside from the fact that Selene has NOT provided any form of email correspondence, I have to deal with different representatives for EACH CALL made, leading to careless and inconsistent recommendations and with poor, incomplete documentation of the whole call exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This issue was previously filed and resolved in XX/XX/year> ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account 's invalidation, successful dispute and removal, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in XXXX that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The listing on the XXXX report ( see attached reporting on all three bureaus from XXXX credit report ) makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times ( See attached documentation referenced on issue numbers from XXXX for documentation of violation of FCRA ). The previously invalidated account showing as a new collections account and has significantly reduced my credit score and impacted my ability to sign a new apartment lease.

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 2024-04-29 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: LA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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