vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to access my myEquifax account since the Social Security number breach in order to place a Freeze. I was able to do this XXXX and XXXX fairly easily the latter offering a call back option when login problems arouse. Equifax on the other hand has been nearly impossible to deal with. After Days and Hours on hold with terrible music I still have no resolution, I've gotten to a person twice, other times just abruptly disconnected after following lengthy menus. The last call was yesterday with XXXX she promised all was well. It is not I still recieve an error message that my login is invalid and to please call. I'm at my wits end Please Help or at least ask them to update their phone system. See Attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I sent an initial complaint dated XXXX with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( NELNET ) received that letter with certified returned receipt on XXXX. NELNET responded via XXXX with a letter dated XXXX. Their response was a " canned '' response that all is well and they are reporting accurately. A second letter was mailed today ( XXXX ) via XXXX certified signature required with further violations highlighted. I pray they cure the deficiencies by fixing or deleting the inaccurate items as required by law. 

***Attached to this complaint is : Initial statement of inaccuracies dated XX/XX/scrub>XXXX, delivered to NELNET XXXX XXXX NELNET 'S response dated XXXX delivered to consumer ( me ), XXXX  Consumer 's ( my ) XXXX correspondence to NELNET dated XXXX, mailed XXXX certified mail today, XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In an unsigned letter dated XXXX XXXX XXXX, Newrez Mortgage LLC stated : According to our records, your earthquake insurance policy is about to expire and we have not received a renewal or replacement policy. For your protection, as well as ours, and as required by your mortgage, your property must be kept continuously insured. 

In a letter to Newrez Mortgage LLC dated XXXX XXXX XXXX, I asked Newrez Mortgage LLC to : Please provide me, in writing, with a clear and concise statement of the exact provision in my loan documents that obligates me to provide earthquake insurance coverage for the subject property. 

I have not received a response from Newrez Mortgage LLC. 

On XXXX XXXX XXXX, in a second letter to Newrez Mortgage LLC, I requested a response to my XX/XX/scrub>XXXX XXXX XXXX, letter. Regrettably, I have still not received a response from Newrez Mortgage LLC to this very important issue. Because Newrez Mortgage LLC has not responded to my two written letters, I am worried that Newrez Mortgage LLC has, or will, place earthquake insurance on the subject property without my knowledge, consent or means to dispute the claim, and charge me for the cost of that earthquake insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-27 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EXPERIAN AND XXXX ARE GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EXPERIAN or XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX  XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/

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 2024-08-27 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: MA

Complaint narrative:
You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate. 
Account Name : XXXX Account Number : XXXX The inaccurate item that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.

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 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I moved to another location and planned to transfer XXXX internet to the new place. I called XXXX and set up a transfer with new address. After moving in XXXX internet never transferred and we did troubleshooting over the phone. They decided that services were not in my area and we could not transfer in the meantime they sent my account to collections before I could return the merchandise and pay last bill that was deferred because I was transferring to another location. I arrived at store within the same week I was told to return equipment and pay balance due. I paid in store and account was closed. I noticed the collections reporting paid on my credit each year after that and I disputed this with all XXXX XXXX is the only one still reporting. I called credit bureau and collections acct and XXXX and XXXX no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I have repeatedly ask this company not to phone me at my place of employment. I have written, faxed, and verbally made the request on multiple occasions. The company continues to call my job to check on a payment when in fact my account has been coded not to call my job. I am in danger of losing my job due to the calls. The supervisor has advised they are aware of the do not call my job option and dont know why the employees continue to phone me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I called XXXX on XX/XX/XXXX, XXXX as I saw that my balance had significantly been raised. 

I was contracted an HVAC company to replace an AC/HVAC unit and this is the company the recommended that I use. The rep from the company told ne it was an 18 month zero interest program. 

I opened an app on the phone and began making monthly payments. 

In XXXX of XXXX I saw that my payoff was {$8500.00}. 

This month I saw my payment at {$12.00}, XXXX I called to see what could be done and what had happened. They said that I had 30 days to make the payment without interest penalty and that the promotion had ended on XXXX, XXXX, XXXX. I am now 34 days out. I explained I use my phone app to make all payments and did not see that the promotion had ended. I explained I would pay the entire amount immediately. They checked with a supervisor and they said that was not an option because I was outside the window of 30 days seeing that it was day 34 today. I again was unaware that an interest charge that large could even be applied to any card. I would think it would at the most be applied to the money that I still owed them. They were unwilling to negotiate full payment, a compromised payment to include late fees and some interest or whatever I suggested to make a complete payment and be done with the account. 

I contacted the Consumer Financial Protection Bureau to try and support me with 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 2024-08-27 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: GA

Complaint narrative:
I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXX XXXX XXXX XXXXXXXX

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 2024-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MD

Complaint narrative:
About XXXX XX/XX/year>, my insurance company, XXXX XXXX, told me that, in Maryland, they use reports from LexisNexis Risk Solutions as part of setting insurance rates for my policies. Since I had previous unfortunate experiences with LexisNexis about XXXX to XXXX years ago, where their reports on me at that time contained inaccurate information which they would not correct ( such as listing residence addresses in towns I had never visited, let alone lived in ), I attempted to request a report online. The LexisNexis web site accepted my request ( although confusingly did not confirm it was received ), and eventually LexisNexis sent me XXXX letters, in response to my XXXX attempts to request my file, saying they could not verify my identity. I then called them, and, after a very long wait and provide a great amount of identifying information, was told I would receive a report. I received a letter yesterday from them, dated XXXX XXXX, giving a URL and PIN for obtaining an online report. When I tried to retrieve the report, their web site said they could not verify the PIN. I then called them at the number given on the web site, but the automated system would not connect me to an agent, so I called the number given on the letter, and was told that the URL and PIN would not work " on XXXX devices '', which seemed ridiculous. The agent claimed she would have a printed copy of my data sent in " XXXX to XXXX days ''. I had earlier written to LexisNexis on XXXX, and received a number for a dispute resolution office, so I called that number. That agent said that the previous agent was mistaken, and that they had had problems recently with bad PINs being generated some of the time, but she would arrange for a printed copy to be sent in " XXXX to XXXX  days ''. My experience gives the impression that LexisNexis is doing their best to frustrate people from obtaining a report, perhaps because they know they data is of poor quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-08-27 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: NY

Complaint narrative:
On XX/XX/year>2024, I visited XXXX. I was asked to REPORT the inaccurate delinquent mark on my report to ALL CREDIT BUREAUS, and they would notify each bureau that this account is NOT 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 non-monetary relief
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
On XX/XX/scrub>/2024, I visited XXXX. I was asked to REPORT the inaccurate delinquent mark on my report to ALL CREDIT BUREAUS, and they would notify each bureau that this account is NOT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
On XX/XX/scrub>/2024, I visited XXXX. I was asked to REPORT the inaccurate delinquent mark on my report to ALL CREDIT BUREAUS, and they would notify each bureau that this account is NOT 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 2024-08-27 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:
Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party 1. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX XXXX XXXX  - Address ID # XXXX XXXX - Address ID # XXXX XXXX - Address ID # XXXX XXXX XXXX - Address ID # XXXX XXXX - Address ID # XXXX XXXX XXXX - Address ID # XXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXX XXXX XXXXXXXX : Incorrect Request immediate deletion - Account XXXX : XXXX XXXX XXXX XXXXXXXX request immediate deletion - Account : XXXX XXXX XXXX. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX :. Resolved account request immediate deletion - Account XXXX XXXXXXX XXXX XXXX  : request immediate deletion - Account XXXX : XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX : request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account : XXXX : XXXX XXXX XXXX request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXXXXXX XXXX : request immediate deletion - Account XXXXXXXX XXXX XXXX : request immediate deletion

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