vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX still have accounts reporting to my consumer report after Ive given them a written statement as a victim of identity theft, the police report and the FTC report. I did ask for all credit bureaus to Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Its exceeded the 4 business days. Ive attached all documents Ive sent to the credit bureaus Im asking for assistance in helping me in force the consumer laws and my rights and removing the accounts that were not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX still have accounts reporting to my consumer report after Ive given them a written statement as a victim of identity theft, the police report and the FTC report. I did ask for all credit bureaus to Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Its exceeded the 4 business days. Ive attached all documents Ive sent to the credit bureaus Im asking for assistance in helping me in force the consumer laws and my rights and removing the accounts that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: CA

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-27 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: CA

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested a freeze/hold on my report to prevent any possibility of identity theft/fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiry : XXXX XXXX XX/XX/year> :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We finally received an XXXX XXXX from XXXX XXXX XXXXWe sent the check to Roundpoint mortgage  and they received it XXXXThey sent it back saying we needed to sign it and send back with no explanation on why.I called and spoke to someone in the loss draft dept that said we needed to send affidavits from all contractors that would be doing the work to our home.I explained that all the work had already been done almost two years ago.The woman said if I sent all the paid receipts from work done that would suffice.She said once they got those they would set up an inspection and then release OUR money to us.After no communication again from this place I called and now they needed a breakdown of all the damage from the XXXXI sent this off with no response.I called XX/XX/XXXX and spoke to someone in loss draft dept and now they wanted the affidavits again.I asked to speak to a supervisor and after XXXX minutes on hold I was told that she could not " find one '' but she would have them call me later that day.Never received a call from anyone.This company is purposely holding OUR money that we paid out of pocket after the storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: PR

Complaint narrative:
During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from Trans Union, XXXX and XXXX for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There's an account on my XXXX credit report under the Commenity Bank ( Your Tuition Account ), that is listed as being closed as of XX/XX/24. This information is innacurate, because the company was still contacting me multiple times every day, ( which is a form of harassment ) up until today which is XX/XX/XXXX more than a month after the account was reported to be supposedly closed. Also, on my XXXX credit report for the same account the account is showing as an open account. So there are inconsistencies with the credit reports which is Why I am requesting for this account to be removed. 
According to this 15 USC 1601 those inaccurate statements posted on my consumer report should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. 

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 2024-05-27 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: OK

Complaint narrative:
I disputed the collection with experian because the collection was paid in full. The collection was from XXXX XXXX XXXX, first XXXXXXXX XXXX was the original creditor. The collection was reported on XX/XX/2021 I paid it in full on XX/XX/2021 a total of {$510.00}. Experian stated it could remain for XXXX. My problem is that there is no valid reason for it to remain on my credit report. There is no valid reason for it to show in a negative position on my credit report which puts me at a disadvantage if I try to purchase something by running my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have XXXX ( XXXX ) XXXX XXXX credit cards that show on my credit Report. XXXX ( XXXX ) are current and are in good standing. However XXXX ( XXXX ) are old from XXXX and actually exceed the XXXX ( XXXX ) year XXXX of XXXX  in the XXXX of XXXX XXXXnd these accounts should actually be deleted from my credit reports. 

The XXXX ( XXXX ) older accounts are owned by Portfolio Recovery Associates. I have contacted them, attaching a copy of their own documents proving the dates of last activity on each of the accounts being more than 7 years ago ( XX/XX/XXXX ). 

Therefore, it is time that these accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XXXX. On XXXX XX/XX/year> at approximately XXXX ET a text was received by my wife from Marcus : by Goldman Sachs stating that they had {$300.00} purchase from XXXX that they suspected as fraudulent. The text requested that she call immediately if she did not make this purchase which she did and told them that the purchase was indeed fraudulent. 

2. Information received from Marcus indicated that the purchase was made by XXXX XXXX phone from XXXX with an IP address of XXXX. We have XXXX mobile phones with a different IP address. Notes received from Marcus said that this was an operating system anomaly and IP address where purchase was made is inconsistent with billing state. 

XXXX. I have disputed this fraudulent charge two different times and merchant says they have proof that this purchase was made by us. The only proof they have is that our name and address is associated with scammed XXXX XXXX. Every time I call Marcus they say the call is being recorded, but they refuse to check their phone records on XXXX XX/XX/year> to prove that my wife called to inform them that purchase was fraudulent. We have been a customer for over 40 years with XXXX XXXX XXXX and it is very apparent that this is atypical usage of our card and outside of normal patterns. In addition a comment was made XXXX that our email address was associated with this account #. When someone steals your card #, our email would naturally be associated with it. 
XXXX. After XXXX unsuccessful attempts at disputing this charge, we were told that we are still be rebilled for {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: PA

Complaint narrative:
Hi, I am reaching out about the following information provided below. The items listed on this document that have been reported on my credit is incorrect. This information needs to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the inaccurate accounts and inquiries that were reported on my credit report. I appreciate the help. Thanks in advance. 
Ive noticed these problems on 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 2024-05-27 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: SC

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: SC

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, XXXX, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I had XXXX consolidated XXXX loans, sub and unsub, at Navient from XXXX to XXXX. In XXXX they were consolidated into a direct loan at XXXX In XXXX that loan was XXXX through borrowers defense as part of the XXXX XXXX XXXX XXXX 

After almost 2 years of continuous FSA complaints, emails, calls and chats, the ombudsman verified that I would not qualify for a refund because the payments I made during that time went to the commercial navient student loan trust. 

That has raised some questions for me. 

In XXXX, I was very careful to keep all of my loans federal so that I could access the benefits. I sincerely believed that those navient loans were indeed federal, and I would be able to receive refunds along with everyone else in the settlement who had federal loans. The unfairness of that is obvious. If they were federally backed and insured, why then under the settlement or XXXX is the XXXX not then liable? 

I was not warned or aware of the fact that I had given up any right to a federal refund under any circumstances, in perpetuity, from a XXXX caused lawsuit no less. 

The XXXX program was intended to maintain all benefits and liabilities of a federally owned loan, was it not? I had a bankruptcy in XXXX in which those loans were immune because they were federal student loans. Navient had no risk or liability at any point. 
From my understanding, if those loans went into default, the government would take responsibility and ownership, and any payments made after that are refunded under borrower defense. 

I can assume that this situation has come up for many, and has been discussed here. 
However, I havent been able to find any action being taken on our part from any government entity, or lawsuit Is there anything we can do to make this situation fair for all of us. Those loans were conveniently federal when I had a bankruptcy, but commercial when borrowers defense is approved, or a settlement is approved. This has caused an overwhelming amount of frustration, XXXX and XXXX for myself, in addition to the obvious financial damage it has caused. 

I would have been in good shape if I never made payments and let it default. I would still have the approximately $ XXXX that I handed to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
We were contacted by Portfolio Recovery in regards to a XXXX XXXX XXXX  card. 
They are attempting to collect the full amount of debt, this is a XXXX  CREDIT CARD. WE put down the deposit, they are are attempting to collect that is not owed.

Company response to consumer: Closed with non-monetary relief