vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4500.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Rushmore Servicing aka Mr. Cooper aka Nationstar has continued to provide incorrect, misleading & contradicting information which has lead to them now beginning a 2nd foreclosure complaint while they continue with RESPA Violations. 1.In the XXXX Debt Validation letter reply Rushmore Servicing states that the investor is XXXX Asset Backed XXXX XXXX  XXXX. In the XXXX XXXX Foreclosure Complaint the Plaintiff names the investor is XXXX XXXX XXXX who they claim was the investor from an assignment of mortgage and was the investor in XX/XX/XXXX which clearly contradicts Rushmore Servicing reply in XXXX debt validation letter. XXXX. XXXX XXXX XXXX XXXX used the same exact word for word and number by number XX/XX/XXXX Foreclosure complaint as the Foreclosure complaint that was dismissed in XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX they spoke with Representative at Nationstar who has knowledge of the account yet the Servicer is Rushmore Servicing and NOT Nationstar. 5. Rushmore started this most recent XX/XX/XXXX Foreclosure complaint, while stating the incorrect account balances in question ( legal fees, maintenance, title fees, etc.. ) were still be investigated and would have answers by XX/XX/XXXX, Unless extension is needed & no foreclosure proceedings would begin before the balances were confirmed as correct/incorrect. These continued contradictions and misleading replies has caused us both financial and emotional distress due to their RESPA VIOLATIONS and need to be rectified and any foreclosure complaint to be cancelled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I went to XXXX XXXX graduating in 2007 with an XXXX XXXX XXXX with over $ XXXX in debt. XXXX XXXX has closed and has been found for defrauding students and being a scam school. My borrower defense application for my public loans is # : XXXX but the amount I was defrauded in private student loan debt to this day is a financial burden. 

I am requesting it be looked into that my loans with Navient are refunded due to XXXX XXXX defrauding students and my final private loans with XXXX be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
Account in question : ABLTY-RECOVERY XXXX. 

Collection Agency has not provided validation information und

er 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am deeply troubled by the inclusion of a late payment on my account, as my payment record has always been prompt. This issue is causing me a great deal of distress, and I urge you to rectify the error by removing it from my account without delay.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I met a guy named XXXX XXXX ( XXXX name : XXXX XXXX ) from dating app XXXX, we developed a very deep relationship, and we started to plan to make money from crypto market for our future of life, and he guided me to set up crpto and wallet acount and started to transfer money to a third trade platform named XXXX I stransfered several times ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) totally XXXX, during these days, he transfered me money to my XXXX platform account as well two times ( That was fake I realliezed now ). Today, When I transfer the latest time from XXXX XXXX XXXXXXXX to Crypto.com, the agent warned me crypto scams! so I wento to the platform to withdraw the money was not successed, but been told by customer service I need pay 30 % service fee before I withdraw the fund, I reallized it was a scam!!!! 
Pls help!!!!!!!!! I am a single mom with XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting incorrect information on my consumer report. My name and address are incorrectly reporting. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX GA XXXX. There should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I had a secured credit card with XXXX XXXX .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to key bank on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a metro 2 dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.Equifax and XXXX have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had a secured credit card with XXXX XXXX .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to XXXX XXXX  on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a XXXX XXXX dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.XXXX  and Experian have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$660.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$660.00}

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: MO

Complaint narrative:
Account in Question : XXXX XXXX reporting inaccurately to XXXX and XXXX XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 2024-05-01 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-05-01 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:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NC

Complaint narrative:
According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some listed accounts have inaccuracies in their reporting, such as incorrect amounts and dates.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I called M & T and asked if my mom sent a wire transfer ( donation ) to my business account, would I receive immediately. 

XXXX at the XXXX XXXX  answered yes and was sure of it. So mom transferred the money. It was money I needed to also pay my clients from a fundraiser and they expected it asap.

When I tried to withdraw funds, the bank only let me get a little out. So I called on and off for 3 days straight and the bank stopped allowing me to withdraw the funds and I went to the branch and they told me I couldnt get out my own money. At this point my clients and staff were not happy because they didnt get money owed to them. 

For days I was on hold with no answers. Then the branch, XXXX said I can only allow you to take out $ XXXX. 

I asked why and they would not inform me. My clients grew more unhappy and staff as well but mainly My clients. 


Finally I was told my account was shut down, debit card deleted and that M & T no longer wanted to do business with me. I asked why and they said they didnt know or couldnt say. I asked to please have my money. They refused. It has been over one week, and still no access and no account. 

This is hurting my clientele and my business.

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 2024-05-01 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: CO

Complaint narrative:
Subject : Immediate Removal of Bankruptcy Entry from Credit Reports I am writing to demand the immediate removal of the bankruptcy entry on my credit reports. I have never authorized this reporting, and I am officially opting out of any such reporting, both now and in the future. 
This request is supported by the Privacy Act of 1974, 15 USC 1681a, and regulations under 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, which require explicit consumer consent for the disclosure of such information. In addition, 12 CFR 1016.4 emphasizes the necessity for consumer consent prior to any reporting, which I have not provided. 
I also wish to point out that I have received confirmation via email from the Colorado Bankruptcy Court stating explicitly that they do not provide information to credit reporting agencies. This is further evidence that the reporting of my bankruptcy is both unauthorized and in violation of my privacy rights as outlined in the aforementioned statutes. 
Given these facts, I insist on the immediate removal of the bankruptcy reporting from all my credit reports and confirmation that I have been opted out of any future reporting of this nature. 
Thank you for your immediate attention to this matter. I expect to receive confirmation of the removal of the bankruptcy entry within 30 days of this letter.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NC

Complaint narrative:
FCRA 605B states that we must delete any inaccurate accounts from my credit report. Would you mind checking the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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