vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Caine Weiner is reporting a fraud account on my credit. This account was opened by someone other than me. I am respectfully requesting the immediate removal of this account from my credit profile as this account is not mine. Please note the attached FTC report and my driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, This creditor ( Capital one ) has violated my rights. Under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reading the XXXX XXXX XXXXXXXX article on XX/XX/2023 with the title TransUnion 's Botched Credit Report Freezes, I felt compelled to write to you. I have had to freeze and unfreeze my credit report a number of times in the past several years due to the purchase of two cars and other items. 
I had NO/ZERO problems with XXXX and XXXX. I did it on-line quickly and efficiently. 
TransUnion was a debacle. The on-line website DID NOT WORK. I would then have to go through lengthy phone calls with LONG call waiting to speak to someone at TransUnion, each time the person assuring me that the problem was fixed for future attempts ( they would do the freeze or unfreeze in real time during the phone call that I made ). I even spoke to supervisors with assurances all would be well. It was NOT well.When I read the XXXX, I felt validated that TransUnion was XXXX it up for everyone.They need new leadership immediately. 
Do you have any suggestions? 
Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My issue is with XXXX XXXX XXXX and NewRez. In XX/XX/XXXX, my loan was transferred from XXXX to NewRez. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page XXXX. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from NewRez on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when NewRez reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called NewRez multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
It will be a year in two months this account has been frozen. No one has reached out or return phone calls. 


On XXXX I spoke with a unknown woman from Citizens Bank. She stated that my Business checking account with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX " was on hold because my business address didn't match, she also stated that my license number didn't go to anyone, she questioned me about why i get my license in XXXX of XXXX. She also stated my ssn wasn't registered to a person. This unknown woman stated once I went to the bank to fix errors she would release my funds. Once i went to the bank I filled out a w-9 form, I gave the banker a copy of my drivers license and ssc. The banker brought to my attention that the first 3 numbers were different in the system than what was showing on my ssc ( updated ) Human error. Also he ran my drivers license number and it came back valid. I don't understand why this unknown woman lied and said my license weren't valid. I contacted the unknown woman back. The text messages are attached. Please look at attchments. This woman lied to me she did'nt release my funds like she told me she would. I've been trying to reach out to unknown woman she will not return my phone calls or text messages now. I sent this person personal information via text message I'm not even sure if this is legit at this point. All I want to know is wny my account on hold and why am i being investigated. I feel this is XXXX profile for the fact this unknown person stated she doesnt understand my bank activity. ( This is my bank account therefore my banking activity has nothing to do with anyone as long as i'm not commiting fraud. ) My company did a background check on the iphone cell phone XXXX. The background check shows a XXXX XXXX or XXXX XXXX as the owner. Email address XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 i asked to not call my references, then on XX/XX/2023 my references were called again. On XX/XX/XXXX a associate named XXXX showed up to my place of employment, called her manager on a cell phone put him on speaker, and I advised again to both of them not call my references, to not come to my job or call my job, and to not show up to my home. On XXXX XXXX showed up to my work again around XXXX, she didn't speak to me she spoke to a customer at my work stayed for about 20-30 min, and left. That same day XXXX about a hour from when she left my job around XXXX XXXX  my cell phone is called ( I'm still at work ) assisting the customer she spoke to, and then right after the missed call to my cell, my work phone number was called at XXXX XXXX and the call was disconnected. On XXXX i sent a complaint via online On XXXX my references were called once again after i asked 3 times to not call, as well as the reference stating they wasn't supposed to call. XXXX ( same day my references were called my work is called also ) ( my is manager very upset that they called ) she had to verbally tell them to not call the business once again. On XXXX i had no choice to send via text ( the number they call and text from me from ) a Cease and Desist letter, and i will send a physical copy to the store location as well. I have all calls and visits with date and times if needed. The frequent calls to references, my work, and job visits is affecting my work productivity, position, and mental health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
northwest financial called me stating I owed over {$7000.00}. I asked for what and to who, was told they didn't have that information. then asked how I was going to take care of it. asked my wife to call and see if she could find out what it was and they told her it was an account that was on a previous name of hers and stautes of limitations was up on it, but when I asked they just said I recieved a letter on it and I owed it. 1. it's not my debt 2 staute of limitations was up and they try to deceive me into admit I owed it.3. should of never called me. I don't remember excatefate, but I do know they I was in a drive though line. there is supposed to be a recording of the call that needs reviewed. I have also been told I owe other accounts, but have had to get my A.G to get a list of those and still don't have the amounts that I supposedly owe after asking though my AG multiple times. just was told it was other account with no amounts. how many other people have they done this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
Equifax Information Services stated on XXXX XXXX report ( XXXX ) that the account XXXX account # ( XXXX ) was not reporting on the file. Equifax Information Services, also continue to report a XXXXXXXX XXXX XXXX ( XXXX ) which was removed and reinserted back onto the file. I provided an FTC Statement that verified that I was a victim of identity theft on XX/XX/2023. According to a report from XXXX XXXX, the account is still listed on the credit file. Also, Equifax Information Services stated that the inquiries from XXXXXXXX XXXX have been removed, however according to the attached XXXX XXXX report these inquires have not been removed. Equifax Information Services has not done a proper investigation, according to the FCRA 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax Information Services has violated the FCRA 15 US Code 1681e, the right to an accurate credit report. I will be submitting a notice of intent regarding the accounts that Equifax Information Services maintained under my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I filed my PSLF in XXXX of XXXX. I called XXXX and Nelnet in XXXX of XXXX and was told that everything is in order but it evidently takes over a year to process. I have been XXXX  since XXXX and making my payment since then, but have stopped making my payment. Now Nelnet is still sending me a bill. Is this legal to approve PSLF then still expect payments a year later? Sounds to me like Nelnet is stealing. When I call XXXX they say just waiting on Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid off the loan on through a XXXX XXXX service on XXXXXXXX XXXX 2023, {$12000.00} which was XXXX XXXX XXXX and have a letter of confirmation of this from XXXX XXXX and was sent to ( Bank of the West ) which is a trade name for BMO Bank N.A. I have made several calls to them asking for the release of my title. They are saying since the merger of Bank of the West to BMO they are so far behind that they are at least 30 -45 days from even finding my payment and releasing my title. They told me the last time I called to not call again because they were to far behind to look for my payment and they would release my title when they got caught up from the merger. This is a court ordered issue for me and I need the title as soon as possible to prove to the courts that it is paid off.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-10-30 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it 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 2023-10-30 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: AL

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 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 2023-10-30 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: NY

Complaint narrative:
Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: MD

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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