vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting " Date Major Delinquency 1st Reported : XX/XX/XXXX and XX/XX/XXXX '' for accounts that were closed in XXXX. This is negatively affecting my FICO score as they appear to be recent derogatory marks. I AM NOT DISPUTING THE INFORMATION THE CREDITORS ARE REPORTING. I am solely disputing the way Equifax is reporting. This is NOT referring to " Date of First Delinquency ''. This is solely referring to " Date Major Delinquency 1st Reported ''. This has nothing to do with the original creditors. Equifax is the only credit bureau to have this field on their credit reports. I would like this field to correctly reflect the fact that these delinquencies were first reported in XXXX. I have submitted two complaints so far. Equifax initially removed the date for XXXX XXXX, then a month later they readded the incorrect date. For XXXX they literally did nothing and closed my complaint. Please do not contact the original creditors in regards to this complaint, because I am not disputing the information they are reporting. This is solely an internal issue with the way Equifax reports items. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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 contacted Transunion I was in the hospital and did not initiate the 4 hard inquiries on my account. They refused to remove them even with my medical records I had XXXX XXXX XXXX They said I had to contact you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. 

I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. 

Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. 

I have made multiple attempts dating back to XXXX of XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. 

However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a late payment notice from Navy Federal Credit Union despite making the payment on the due date XX/XX/XXXX, around XXXX XXXX  through their electronic system. Since Monday was a holiday, the payment posted Tuesday. NFCU sent me a late payment notice, indicating I need to pay for both XXXX and XXXX. However, I was only due for XXXX. When I called and spoke with XXXX she explained that this is standard practice. I informed her that they can not ask or label a payment as past due before its due date. XXXX suggested I review it as a reminder, but I clarified that reminders typically come as statements, not past due notification. She seemed displeased and stopped addressing my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
XXXX is a debt collector for CASHNET USA. I do not own this debt and therefore it should be removed from all three major reports immediately. I have requested for this debt to be validated on several occasions and XXXX or Cashnet USA has failed to respond to my request. This debt seems to have been put on my report from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NV

Complaint narrative:
I'm writing in regards to an account that was unfairly ( UAADP ) added to my consumer report. This account does not belong to me. I have never done business with this company. Yet my non-public personal information was used illegally by this company to damage my credit report and credit score. This is a violation and considered identity theft. In Title 15 U.S.C. Sub-section 1681 ( a ). My non-public personal information can not be disclosed without my prior authorization. This account is to be deleted immediately from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: KY

Complaint narrative:
I noticed on my credit report that there were two 30 days late reporting for the month of XXXX and XX/XX/year>. However, I was not late in either of those months. I reached out to the company and advised of this I spoke to several representatives and their supervisors trying to get this resolved. I spoke to supervisors who acknowledged that my report should not be reflecting late, but my report was never updated. Cases were created, but I never received responses. My credit report has been extremely affected by the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Online Information Service Collection Company Violated My Consumer Right 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates. 
Resulting in a violation fine {$1000.00} Fine Per Account. 

The account " Online Information Services Acc # XXXX '' was removed from my credit profile as agreed. I am Still owned the Violation Fine of {$1000.00}. Paid to XXXX XXXX Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience ( 15 business days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I never received a Private Policy Notice or Opt Out Notice from creditor. 
Under the Gramm-Leach-Bliley Act financial institutions must give privacy notices to their customers and consumers a " clear and conspicuous '' written notice describing their privacy policies and practices. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans.debt collecting.

Whether or not you share customer NPI, you must give all your customers a privacy notice. You must provide an " initial notice '' by the time the customer relationship is established and annual notices afterwards.

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive uploaded documents several times as well as mailed in communication to have this fraud alert removed from my file. I never asked for this to be placed on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
Select Portfolio Services continues to practice predator loan tactics by giving me contact information to an attorney office that is REFUSING to give me my rightful surplus funds from an ILLEGAL foreclosure sale they did on my deceased parent 's home during the covid19 federal mandate NOT to foreclose on ANY properties! Select Portfolio Services tries to skirt around this covid19 federal mandate law by claiming they put in the paperwork " before '' the covid19 federal mandate was passed into law. This is just another proof how they are practicing predator lending tactics in order to steal homes from hardworking citizens! XXXX XXXX XXXX XXXX they gave me the info to reach them did absolutely NO GOOD!!! these attorney 's are basically now doing the dirty work for Select Portfolio Services by holding MY INHERITANCE!!! on XX/XX/year> XXXX XXXX XXXX office hired by Select Portfolio Services received a FRAUDULANT affidavit of heirship from a XXXX XXXX and she has committed a crime along with XXXX XXXX XXXX because this person ( XXXX XXXX ) NEVER KNEW MY PARENTS! I've warned XXXX XXXX XXXX office regarding this FRAUD that they have committed along with Select Portfolio Services in order to hand on to my family 's surplus funds from the ILLEGAL foreclosure sale of my deceased parent 's home!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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 sent a letter VIA MAIL disputing serval inquires, several wrong person information and a closed account on my credit that is WRONG and improper use of my credit report. 

This credit bureau company TRANSUNION tried to claim it was a credit repair clinic or third party simply because I know my rights as a citizen and denied to fix the issue stated by the representative I was on the phone with that was very disrespectful on XX/XX/year> starting at XXXX. 

Ive attached proof of my letters and the email I received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: MD

Complaint narrative:
My Virginia unemployment is deposited to my Virginia Way2Go Card ( Prepaid XXXX ) and I have had numerous issues with this company. 

XX/XX/2024 - I received an unauthorized charge of {$4.00} on my Way2Go card - I contacted Way2Go to refund my card {$4.00} - Way2Go suggested I order a new card ( I paid {$18.00} for expedited shipping and {$4.00} for a new card XX/XX/2024 - I called XXXX and was told the new expedited card was never shipped - I called Way2Go and they agreed to refund the {$18.00} expedited fee and {$4.00} fee since I never received a new card - Way2Go agreed to send another card and informed me it would take 5-10 business days To date, I have not received my refund of {$18.00} and {$4.00} ( I was told this would only take a few days on XXXX XXXX ). For the past several days I have attempted to reach Way2Go and can not get through the line. Even when I select the option to report a card lost or stolen -- I am unable to reach a live representative. I am only prompted to enter my social security number which is a red flag. The way Way2Go operates is inefficient and untrustworthy. Additionally, their practices do not reassure the safety of their consumers information. I am reaching out in hopes of solving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
New Rez took over my mortgage in XXXX. I received a letter in XX/XX/XXXX stating that I was overdue on my payment for XXXX. My bank statement showed that the payment went through XX/XX/XXXX ( I make payments 1 month ahead of schedule ). I called the company to sort out the issue and was told to email XXXX with proof of XX/XX/XXXX- XX/XX/XXXX payments. I emailed screenshots of the payments to this address but did not receive a response. I continued receiving letters showing an overdue balance and late fees. 

I called again on XX/XX/XXXX and was told to send bank statements from XX/XX/XXXX- XX/XX/XXXX to XXXX XXXX XXXX XXXX. I sent the statements that day. I did not receive any response but continued receiving letters with overdue balance and late fees, so I called again on XX/XX/XXXX. This time, I was told to send the statements to XXXX, and that I would receive an update later that day. I emailed the statements immediately but never heard back. I continued receiving the outstanding balance letters. 

On XX/XX/XXXX, I emailed both XXXX and XXXX XXXX XXXXXXXX XXXX requesting an update. I also attached my latest bank statement for XXXX that showed I made a payment on XX/XX/XXXX. No response. 

On XX/XX/XXXX, I attempted to pay my monthly payment on the New Rez portal. I was not able to make the payment without including late fees ( which I should not owe since my payments have all been on time, 1 month ahead of schedule ). I emailed both XXXX and XXXX XXXX XXXX XXXX again, including a screenshot of the error and a request for a status update since I have heard nothing back. 

Throughout this process, I continued to make my payments one month ahead of schedule. I have never received any communication back from New Rez, despite being promised both phone and email updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
There is information thats on my consumer Report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not informations related to any transaction by me as the 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 explanation
Consumer complaint received 2024-02-27 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:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

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