vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: VA

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, FAIR COLLECTIONS & OUTSOURCING 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 an 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
Cosigned on lease for college housing. A year later I get a phone call from Procollect ( a collection agency ) saying I owe money for " damages '' to the apartment after move out. I paid the debt that day. This was the only communication I have ever had from either the apartment complex ( XXXX XXXX XXXX XXXX ) or the collection agency but it is now 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I requested information from this creditor on ( XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were appliedXXXX XXXX  allocation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
I am a prospective new customer. I visited Remitly 's website where I was presented with a marketing offer that stated 'No fees on your first transfer with Remitly '.

Remitly 's marketing of no fee transfer for first customers is misleading and inaccurate. There were no disclosures on their website ; but rather, Remitly hid the additional fees ( i.e. credit card fees ) in a link to their terms of conditions. This to me is unfair and deceptive. I researched the CFPB 's guidance on marketing claims and was surprised to find out just last month there was recent guidance by the CFPB to not market no-fee transfers without properly disclosing. I think hiding the additional fees in a link within the XXXX & XXXX 's in intentionally deceptive to a consumer. I had thought I was going to get a 'free transfer ' when in fact my transaction did not qualify for a free transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
I sent a letter via certified mail on XX/XX/year> and they did not respond with the information requested. The letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX, MD XXXX National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Thursday, XX/XX/year> RE : XXXX To Whom It May Concern, Your company is reporting the below referenced account on my credit report as a collection account. 
-XXXX  XXXX XXXX XXXX {$370.00} I have disputed this item with the credit reporting agency XXXX and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status. 

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 explanation
Consumer complaint received 2024-04-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Due to water damage to my home in the month of XX/XX/year> and having to pay out of pocket for some of the because my home owners insurance didnt want to pay to get it fixed.I had to set up a payment arrangement so called before my due date and was told to call back after XX/XX/XXXX which come to find out and I was not informed that they report payments to credit bureaus on the XXXX which was the date that I called back. I wasnt informed of an exact date to call back. I figured because XXXX was on the XXXX and being that the XXXX is right after so I called on the XXXX. The next month I found out that I received a late payment on my credit. I talked to the representative and wasnt told of the credit reporting date of the XXXX when the payment arrangement was set up and when I called to try to extend it because of the water damage costs coming out of my pocket. They need to do better job at communicating. If they are a representative they should communicate all aspects better. I would have asked to purposely get a late payment on my credit without proper knowledge of the representative telling me to call back after the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Select portfolio servicing is still showing my account as being behind, even though all the funds were paid to my previous processor, and I have seen the records showing that those funds were successfully sent to select portfolio servicing. I have been on the phone with select portfolio servicing for a month, trying to get my account updated to show me as current, I have spoken to managers who have assured me that they see the funds were received, and they will have my account updated only to then do nothing. 
Please help me have my account updated to correctly show that I am current on all my mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked. I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC XXXX : Office of General Counsel XXXX XXXX XXXX XXXX, XXXX, IL XXXX Dear sir, I have had request from the XXXX XXXX XXXX branch addressed XXXX XXXX XXXX, XXXX XXXX, TX XXXX, to send the enclosed documents to your office. I also enclose the letter of XXXX XXXX XXXXXXXX itself, and my letter to 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 2024-04-11 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: MD

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. 

DEPT OF EDXXXX XXXX XXXX, XXXX XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: MD

Complaint narrative:
I am writing to follow up on my complaint submitted to your department on XX/XX/2024, regarding the invalid negative item 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 non-monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I contacted Nelnet about my loan. My credit report ( XXXX and XXXX ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. Nelnet advice me that the Suppression on my account would be lifted in mid-XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from Nelnet was reported incorrectly. 

I contacted Nelnet again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a Nelnet representative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. 

I contacted the Department of Education about my account with Nelnet being in Suppression. I was told there must be a misunderstanding on Nelnet part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXXXXXX XXXX reported on my credit report : XXXX, XXXX, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to Nelnet. Nelnet reported on my credit report : XXXX and XXXX state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, Iona was transferred from Nelnet to XXXX. XXXX reported on my credit report : XXXX, XXXX, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I logged into the Nelnet account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
Some one use my information and applied for XXXX XXXX XXXX  with out my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
To whom it may concern : I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 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 explanation
Consumer complaint received 2024-04-11 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: MA

Complaint narrative:
I underwent a XXXX XXXXXXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MA

Complaint narrative:
I underwent a XXXX  XXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I underwent a XXXX XXXXXXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
FCRA 605B says we must erase any wrong stuff from my credit report. Can you check the papers? Some accounts listed are wrong about what's reported, like the 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 explanation