vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: 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 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 2023-09-05 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: TX

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.

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-05 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: TX

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. 

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX  Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-05 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: NY

Complaint narrative:
This is my 2nd written notice trying to resolve this issue before further action. I attached a document with all details. I have not received any legal proof that these accounts are verified accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: AR

Complaint narrative:
I recently received notification of a late payment furnished on my consumer report. I was never late on. Consumer reporting corporations have assumed a vital role and have responsibility to report consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on payments on account ( XXXX XXXX ). Please investigate and provide proof with statements showing that the payment was late. If proof cant be provided. I demand payment be updated to on time as it should be. I was never late. 
TransUnion is in violation of 15 usc 1681b ( a ) ( 2 ) in accordance with written instructions of the consumer to whom it relates. Which means that any item of information on my consumer report can not be placed on my consumer report without my written consent. I am now demanding TransUnion to provide me proof of my written consent ( permissible purpose ) giving them permission to furnish each of the following pieces of information on my consumer report ( see exhibit A in document section ) this is an identity theft action due to TransUnion obtaining my non-public personal information without my consent.

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 2023-09-05 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: IL

Complaint narrative:
I have had a credit card account with XXXX XXXX XXXX XXXX XXXX for several years. In the past, I fell behind on payments, so the account was closed. I still continued to make my monthly payments. XXXX XX/XX/XXXX, I made XXXX payments. One for XX/XX/XXXX and XXXX for XX/XX/XXXX. Because I paid before their bill cycle date, XXXX XXXX XXXX counted both payments as XX/XX/XXXX and when I did not pay XX/XX/XXXX, it was always late and I was not aware of it. Because of this discrepancy, I ended up getting a 30 day late mark on my credit report in XX/XX/XXXX. I have explained the situation to XXXX XXXX XXXX and they know where the problem occurred but will not change my credit information. This is completely unfair. I have documents showing all of the payments I made and I provided them to 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 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transuinion is reporting a hard inquiry from captial one from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX  XXXX and reported to transunion and also removed by transunion and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, trans union, and XXXX XXXX as reference and proof!

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 2023-09-05 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: EdFinancial Services
State: OH

Complaint narrative:
When i graduated from XXXX in XXXX  and did my student loan exit exam as well as chose my plan it was the extended fixed repayment plan as to which i paid XXXX every month until the student loan pause. I went to check my account after edfinancial changed servicing i checked my bill XX/XX/XXXX it showed XXXX was due i called in to ask why it changed and they told me nothing was different i asked about prior payments they told me that i didnt show any i have banking statements that prove otherwise. This change hurts my family and the only other plan i could afford was the graduated plan which charges me more interest than the original. Why have the terms of our agreement changed? To me this is a rip off. So i switched and am now unable to view my account. This makes the organization look shady. It took XXXX hours to get ahold of them and a lot of people are blasting them on XXXX XXXX etc. for this kind of behavior. I can send all of my banking statements if necessary but have attached a screenshot of one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union LLC just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF MY 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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I have a NFLP loan. I am in my 2nd round of appeals from ECSI. They inappropriately denied year 3 of loan forgiveness. The escalation team member agreed it should have been approved but upper management disagreed. Every year prior I had issues with them applying forgiveness that eventually got resolved. 

Full time XXXX XXXX job Started XX/XX/XXXX. Graduation date XXXX XX/XX/XXXX. 
Year 1 forgiveness XX/XX/XXXX XXXX XXXX XXXX approved Year 2 forgiveness XX/XX/XXXX XXXX XX/XX/XXXX approved Year 3 forgiveness XX/XX/XXXX XXXX XXXX XXXX inappropriately denied. 

Reason my employment ended XX/XX/XXXX but that is after the year of service that was completed XX/XX/XXXX. My changing of employment should only effect year 4 forgiveness. New full time XXXX job begin XX/XX/XXXX. I can include all documents submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Failure To Respond To Debt Validation Letter XXXX XXXX XX/XX/2023 Account # XXXX Due to ( The department of education/Nelnet ) your companys failure to respond to my validation of debt request within the 30 day timeframe you are legally required to remove these alleged debts from my consumer report. I have email receipt that your company received my letter request on XX/XX/2023. Your offices confirmed via email that it was received on XX/XX/XXXXXXXX XXXX XXXX  which I have uploaded on this complaint. Which it has now been well over 30 days. Due to your company not validating this alleged debt which you are legally obligated to, you are no longer allowed to continue having this alleged debt on my consumer report. This an official request to have your offices remove the invalidated information from ALL 3 major credit bureaus ( XXXX, XXXX XXXX XXXX ). If I am not mailed completion of this request within 30 days your offices will in fact be in constitute of fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

I will be waiting for your companys response Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
NAME : XXXX XXXX Address : XXXX  XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX, Arizona - XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, I have a mortgage thats serviced through shellpoint mortgage ( https : //www.shellpointmtg.com/ ). 
In XX/XX/2023, my bank XXXX XXXX XXXX froze my account because of a security alert ( I was making XXXX payment to someone and that triggered a security alert ). 
And unfortunately my bank did not inform me that because the account was frozen they returned the shellpoint mortgage payment request. 
But, on XX/XX/XXXX when shellpoint mortgage contacted me to tell me that they did not receive payment. 
Then in XXXX, the payment again did not go and when the shellpoint agent called me, he explained to me that once a bank refuses payment the recurring payments do not go through and that I have to set up recurring payment again and for that reason they reversed the late fee for XXXX. So again I promptly made the payment and setup the automatic recurring payment on their website again. They told me once the payment has successfully gone through callback and they will take this late payment because its the site fault that gives the customers an impression that their auto recurring payments are set. 
I did not get a chance to callback for getting the late fees removed but then in XXXX and again in XXXX same thing happened. Even though I am setup for auto payment on the website as shown in the screenshots, the payments do not go through. 
Shellpoint mortgage because of fault on their website is charging customers late fees and then not willing to work with the customer to remedy the situation. 

XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I experienced fraudulent charges on my account on XX/XX/XXXX. I immediately filed a claim in the amount of {$4200.00}. Wells Fargo not only filed the claim incorrectly but cost me XXXX of dollars in time with their unprofessional service. I then went to the bank to file a complaint. Within a week of no warning or communication, my debit card was canceled and a temporary credit in the amount of {$4200.00} was placed on my account on XX/XX/XXXX. I called to find out that they had refiled the claim, correctly this time, in the amount of XXXX. Claim ending in XXXX. From that time, I spoke with 5 different representatives. Three from the claims department and 2 from the executive office. the two claims representatives that I spoke with on XX/XX/XXXX and XX/XX/XXXX informed me that the claim was being finalized in my favor and that the temporary credit of {$4200.00} was not a permanent credit. I asked for additional confirmation several times on a recorded line due to receiving misleading information since the original claim had been filed back in XXXX. I was told that the information was true and correct and that a letter stating this information would be mailed out to the address on file on XX/XX/XXXX. Now, today XX/XX/XXXX, I spoke with claims representative number 3, and the information that I have received is completely different with zero resolution as stated before. I am extremely frustrated dealing with this misleading fraudulent company. I am requesting an investigation be opened and have contacted the executive office once again to file a new complaint.

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 2023-09-05 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I am XXXX XXXX the owner and President of XXXX XXXX XXXX XXXX. The XXXX number for XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX XXXX, XXXX is a small business registered in the state of Missouri. The company was formed in XXXX of XXXX. On XX/XX/XXXX, I, XXXX XXXX, attempted to open a business checking account for XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX. I was denied the opportunity to open an account and the company received an adverse action notice. The XXXX XXXX banker stated that there was account abuse being reflected on XXXX XXXX XXXX XXXX Chexsystems consumer report. The banker stated that the information was reported by XXXX XXXX  for account ending in XXXX on XX/XX/XXXX. I was unaware of any account abuse taking place with my account and contacted XXXX XXXX  requesting an explanation for the reported information. XXXX XXXX  stated that my account was closed and charged off due to an overdraft that occurred from a fraudulent check transaction made through the mobile banking app. I then learned that the company email address linked to the XXXX XXXX  account was compromised, resulting in the takeover of the companys bank account through the online account. Due to the email address being compromised, I was no longer receiving communication from XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX  XXXX  and was able to promptly resolve the issue with my banker XXXX XXXX. Our company is not being held liable for the fraudulent activity and there was no account abuse carried out by XXXX XXXX XXXX XXXX because the information being furnished on XXXX XXXX XXXX XXXX Chexsystems consumer report is a result of identity theft/fraud. On XX/XX/XXXX I filed an FTC identity theft report on behalf of XXXX XXXX XXXX XXXX, XXXX. Immediately after I filed an FTC report, I met with officer XXXX XXXX at the XXXX Police Department at XXXX XXXX XXXX XXXX XXXX, Mo XXXX. I presented the FTC report to officer XXXX and he signed the FTC report. I have attached the FTC report signed by officer XXXX with his business card and call-for-service/report number, my identification, a utility bill.

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