vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. XXXX isnt even reporting on here but i have my XXXX report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with XXXX, and i will come after XXXX and experian. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with XXXX it was agreed that all corresponding XXXX account data should be removed immediately.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with XXXX it was agreed that all corresponding XXXX account data should be removed immediately.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: DC

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 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 XXXXXXXX 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 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 2023-04-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
To Whom It May Concern : XXXX XXXX XXXX redresses the illegal practices of Fay Servicing , LLC servicer for XXXX Master Participation Trust concerning the collection of debts, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ) and Federal Trade Commission ( FTC ) under Sections 5 ( a ) and 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) and 53 ( b ). 
XX/XX/XXXX you claim we executed a Note and Deed of Trust with XXXX : Per the documents provided ( refer to the attachment to this complaint ) are not signed therefore the documents your clients have produced is Fraudulent/ Forged since I rescinded on XX/XX/XXXX & XXXX, XXXX making this loan XXXX XXXX XXXX, as null and void. 


Please supply the information below so that I can be fully informed : can you provide a copy of the signed XXXX XXXX Disclosure Statement ; Good Faith Estimate of Settlement Charges, HUD-1 Settlement Statement and XXXX XXXX XXXX created my original requirement to pay? 

I am open to communicating with you for this purpose. In order to make sure that I am not put any disadvantage, in the meantime please treat this debt as being in dispute. 

In addition to providing the information requested above, please let me know whether you are prepared to cancel any Foreclosure Sale NLT, Friday, XX/XX/XXXX. 

If so, please tell me in writing that the Foreclosure Sale scheduled for XX/XX/XXXX has been cancelled. 

Thank you for you cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I, the consumer, sent a letter on to the each of the credit reporting agencies XXXX XX/XX/2023, XXXX- XX/XX/2023 and Equifax- XX/XX/2023 , requesting removal of inquiries and requesting all accounts be updated due to improper reporting based on the Privacy Act of 1974, CFR guidelines regarding disclosure of nonpublic personal information to nonaffiliated third parties ( credit reporting agencies ) and partial opt out. They have not responded to my correspondence nor have they updated my tradelines on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I, the consumer, sent a letter on to the each of the credit reporting agencies XXXX XX/XX/2023, Experian- XX/XX/2023 and XXXX- XX/XX/2023 , requesting removal of inquiries and requesting all accounts be updated due to improper reporting based on the Privacy Act of 1974, CFR guidelines regarding disclosure of nonpublic personal information to nonaffiliated third parties ( credit reporting agencies ) and partial opt out. They have not responded to my correspondence nor have they updated my tradelines on my credit reports.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I entered repayment of my student loans in XX/XX/XXXX. Until XX/XX/XXXX, the loan servicer was XXXX XXXX XXXX XXXX XXXX XXXX  ). I consolidated my loans with XXXX  with my first payment to them in XX/XX/XXXX. My loans were transferred to Mohela in XX/XX/XXXX. I have attempted without success to get documentation of my student loan payments made from XX/XX/XXXX to XX/XX/XXXX from XXXX and Mohela but XXXX and Mohela do not have a record of these payments. I was informed by Mohela to contact studentaid.gov ( Department of Education ) which has informed me to contact my student loan servicer, then informed me to contact XXXX XXXX XXXX XXXX XXXX XXXX  ), the prior servicer. As I have paid on this student loan since XXXX and have never been in default, I believe would be eligible for forgiveness under the XXXX  year student loan forgiveness program in XXXX. I was hoping to retire that same year as I will be XXXX XXXX XXXX. As I am unable to find a way to contacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am missing XXXX  years of student loan payments in my payment history with no way to verify the payments. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a credit card statement showing that a payment of nearly {$9000.00} was made to my Citi XXXX XXXX card. To the best of my knowledge I have never used the card and I have never made a payment on the card. I did not make a nearly {$9000.00} payment on any credit card. I believe some sort of error has occurred.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that 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 non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023, CA XXXX XXXX Attention : Credco/ Corelogic Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Credco XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Credco/ Corelogic Made on : XX/XX/2023 Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interes Finally, assumin you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2023, CA XXXX XXXX Attention : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear XXXX XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX : XX/XX/2023 Made with : Experian To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interes Finally, assumin you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, 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 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc.
State: WI

Complaint narrative:
I have been struggling with Servion for months now since they mistakenly sent out payments incorrectly to multiple insurance companies without telling me. My escrow account was completely raided, and escrow recalculation this year was all messed up and now my payments are also incorrectly calculated this year. I spoke to multiple agents, most recently I sent out an email directly to XXXX XXXX, XXXX XXXX for Wisconsin. XXXX put me in contact with XXXX XXXX, who assured me this is all taken care of now and my XXXX $ payment ( much of which is the funds I had to track down myself that Servion sent out into the nether without any info to me as to where ) would be correctly applied. XXXX gave me an exact amount he calculated on his end with his team that I would see on this month 's statement. It didn't happen, I have this month 's statement now and everything is still messed up. Oh and I cant get a hold on XXXX anymore, he is awol. I am calling Lawyers at this point because I have no choice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has violated the law as a data furnisher and has reported inaccurate information on my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Wells Fargo is liable to me as a consumer for not complying to the requirements governed by law.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I sent in multiple letters to XXXX, TransUnion, and XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I sent in multiple letters to XXXX, XXXX, and experian and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing 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 2023-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Truist Bank received on XX/XX/XXXX  eight registered securities by registered US mail and has never credited my account or followed the instructions of wiring them to my XXXX XXXX  account. These are stolen securities, and the amount of. {>= $1,000,000} sent to The indentured trustee of Truist Bank, according to the SEC filing his name is XXXX XXXX. I have received no funds in my accounts, and no correspondence from the trustee of the bank. It was sent by registered mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, North Carolina, XXXX phone ( XXXX ) XXXX. Filed FTC 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  student loan data is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that account.

Company response to consumer: Closed with explanation