vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past two years. recently Equifax for some reason allowed this company to have this back onto my credit report.

I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress.

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past two years. recently Equifax for some reason allowed this company to have this back onto my credit report.

I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wired millions from BOFA to what ended up being for cryptocurrency. I was never told by BOFA from the beginning that it could be a scam until it was too late after I had already transferred/wired money and I ended up losing about {>= $1,000,000} which Bank of America should compensate me. The transfers were mainly made from the savings account and may have also been made from the checking account.

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 monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XXXX XXXX XXXX I received an email stating that this account ending in This account XXXX XXXX with CCS Collections has been verified. I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. The company CCS Collections stated in there response to an earlier complaint that the did were not able to identify the account, however the company did not hesitate to add this to my credit report ( s ). I have attached a copy of the reinvestigation that was done by XXXX and the company is aware that there is an active dispute with XXXX. I have requested that a copy of the aforementioned documents to help me understand the validity of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I sent them a letter asking for proof I owe this debt. They didn't provide the information. I have attached the letting with tracking information that I sent to them & their reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: MO

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. 

has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Hi, as information on when payments would need to begin on the student loans associated with my XXXX XXXX at XXXX XXXX XXXXXXXX   came in, I tired to log in to my account, and I could access the information from my XXXX XXXX loans, but when I followed the instructions on trying setting up a new account to access information on my more recent loans, it said that the information was not available and that I had to wait for a new website to be created. I checked back on this in XXXX and reset my password, and still could not gain access. Now it appears there is a new website, but when I attempt to log in it requires two factor authentication. When I provide that authentication, it cycles me back to the original login page, so I just keep repeating the process. 

This would be the second time that Nelnet has refused to allow me to make payments, and the first time dropped my credit score by over XXXX  points for the seven year period it took for them to drop off, and they refused to work with me on retracting credit filings despite full repayment as soon as the issue was discovered. Nelnet also seems to be obscuring the amounts paid and required. The functional operation of this company makes it clear that they attempt to keep simple, straightforward information opaque so that they can fraudulently capitalize on late fees, additional interest or just inflated amounts owed by borrowers. It is incredible to me that they are still in operation, this company is supposed to be facilitating higher education and the betterment of people 's situation but they are so incompetent that they either can't figure out how to provide access to basic information for the loans they are servicing, or they are so corrupt they intentionally keep it hidden. Their customer services is a joke too, they have broken systems and require busy people to wait hours on the phone for a customer service representative that can not actually fix their issue. I still haven't even been able to update my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are being reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a formal complaint against Capital One concerning their inadequate investigation process in response to a dispute I initiated on XX/XX/2023, regarding the account number XXXX on my credit report. 

Capital One 's response, dated XX/XX/2023, indicated that they required additional information to proceed with the investigation of my dispute. However, I had already furnished all pertinent details necessary for them to conduct a thorough investigation in my original dispute letter. This delay appears to be an attempt to hinder the investigation process rather than a genuine effort to rectify the inaccuracies. 

Attached to this complaint is a copy of my initial dispute letter to Capital One, as well as their response, for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
Coinbase I have not been able to access my Coinbase account for several weeks. Have tried multiple times to regain access. Keep getting the run around. I think they are trying to steal my XXXX. Their support line has not been able to unlock it. I have requested to go to a higher level of support but have been denied. 

When trying to prove my identity, they say if I call them it will take XXXX weeks longer. This is a threat to continue to delay my access. 

I have not been able to buy or sell anything since XXXX XXXX. I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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

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 2024-01-02 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: CA

Complaint narrative:
My wallet was stolen during a football game in XXXX, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the Credit Reporting Agencies requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of XXXX XXXX XXXX, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, XXXX XXXX. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
In my state, property taxes can be paid semi-annually or annually. If paid annually, an early payment discount is applied. If paid semi-annually, a penalty is applied and there is no discount. My mortgage was originally set up on a semi-annual payment method, but in XXXX XXXX XXXX, via chat with a Mr. Cooper agent before the property tax deadline in Maryland, I requested that my property tax be paid annually instead of semi-annually per language in my mortgage contract. At this time I was told Mr. Cooper is not able to pay Maryland property taxes annually, but that any difference in the total amount charged between annual and semi-annual would be refunded to my account. Indeed, their website says " Some tax authorities even offer 'early payment discounts. ' If youre eligible for these, well always try make your payments in time to get them. If, on the off chance, we miss the discount deadline, well cover the difference and reimburse the missed discount amount into your escrow account. '' So, I took Mr. Cooper on their word and did not insist that my taxes be paid annually as a legal option of my mortgage.

Mr. Cooper proceeded to pay my property taxes semi-annually ( in XXXX and XXXX ), but did not proceed to refund my escrow account for the early payment discount. Instead, the entire semi-annual amount was debited which includes the semi-annual payment service fee. I brought this issue up on XX/XX/XXXX via online Chat with a Mr. Cooper agent, and was directed to email XXXX to resolve the issue. I did ( see attached email ), and attached a copy of my property tax bill showing the service fee ( also attached below ). I was told that this issue would be resolved in XXXX business days. On XX/XX/XXXX ( XXXX business days later ), I called to follow up and was told my request was denied because the chat agent entered a " vague '' ticket. Therefore, due to an internal mistake by a Mr. Cooper agent, I was told to wait until XX/XX/XXXX. On XX/XX/XXXX, a Mr. Cooper agent did call me, and informed me that the new request was denied without reason. The agent did say a new ticket would be filed, and I would be updated in XXXX business days. This is when I decided to file a complaint as this whole process is taking an extraordinary amount of time and effort on my part to enforce a basic clause of my mortgage agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-01-02 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: 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
My mother XXXX XXXX  this last XXXX. I appear as XXXX on the title to her XXXX. Kia Motors Finance is also shown on the title. The loan was paid off in XXXX XXXX XXXX after my father XXXX. I am not able to keep the XXXX due to financial circumstances. Personal Property tax, licensing fees, inspection/emissions, insurance, etc. etc. I want to sell the vehicle but I am not able to do so without a clean title. I can't get a clean title without the lien waiver from Kia Motors Finance.

I am not able to give you dates of action because I only spoke to someone one time. 
She told me I didn't need a lien waiver telling me that Kia Motors notifies the DMV and a new title is then mailed to the vehicle owner. I went to the DMV with this story and she said that is not the case in Missouri. The many many many more times I attempted to call Kia Motors I never spoke to anyone. The number will put you on hold .... for ever, then the phone will ring like it is going to put you through and then it hangs up on you. I have done this over and over and over and over. I tried to contact a KIA dealer for assistance and all he would tell me is that I have to call customer service. No help from him ..... 

What can I do to obtain this lien waiver?

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 2024-01-03 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: IL

Complaint narrative:
This account is showing delinquent late payment which is inaccurate. Please remove the late payment off my report ASAP. 

ACCOUNT NUMBER : 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 2024-01-02 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: IL

Complaint narrative:
This account is showing delinquent late payment which is inaccurate. Please remove the late payment off my report ASAP. 

ACCOUNT NUMBER : XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hard inquiries in my credit report that i dont recognize:
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 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