vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/24, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXXPlease investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/24, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

1.Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 61XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2024-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
NOT LICENSED IN THE XXXX XXXX XXXX 
VIOLATION : XXXX. 

If a debt collector is attempting to collect a debt from a XXXX  resident or within the state of XXXX, they may be subject to XXXX XXXX debt collection laws and may need to be licensed or registered in the state, regardless of where they are based. 

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that also governs debt collection practices across the country. It applies to debt collectors who are collecting debts on behalf of others. Even if a debt collector is not located in XXXX, they may still be subject to the FDCPA if they are attempting to collect debts from XXXX  residents. 

VIOLATION 15 U.S. 1681s-2. 
VIOLATION15 U.S. 1692 e.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Several years back I began the XXXX loan modification. After several months of back and forth with various people inside Wells Fargo, I received a letter from the bank dated XX/XX/year> indicating that my loan was not eligible based on the fact that my income as they calculated it was {$8200.00} per month and as such was outside the 25 % XXXX % range. The letter further indicated that according to XXXX guidelines I had 30 days to appeal the decision. I immediately sent a letter appealing the decision on the basis that their income calculations were incorrect and I specifically requested a copy of their calculations so that I could address the error. On XX/XX/year> I received a letter that my appeal had been denied and I never received their income calculations, nor was I ever allowed to address any errors. I feel their " token '' appeal amounts to nothing more than a fraudulent attempt to comply with XXXX guidelines so that Wells Fargo can give the appearance of meeting government requirements. 

Anyway back then my loan added up several XXXX in late fees etc and I NEVER was able to get a modification. I'm now going to pay off the loan and the late fees and charges are being demanded to pay off the debt.

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 2024-05-01 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: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX : YOU HAVE VIOLATED THE XXXX XXXX FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, XXXX U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I was charged {$470.00} in interest rate from some " promotion '' that took place in XXXX XXXX. However, in XXXX of XXXX, I paid {$1500.00} towards the purchase.

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 2024-05-01 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-05-02 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: NY

Complaint narrative:
I see multiple inquires that I did not do on my credit report. I contacted XXXX, XXXX and Transunion to remove them. They all advised I should file a report with the CFPB in order to get these issues fixed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
CASHNET USA has been informed on multiple occasions to cease and desist and only send correspondence by mail. The cease and desist order has now been violated 6 times. Penalty for violation of cease and desist orders. ( XXXX ) Any person who violates a cease and desist order issued pursuant to XXXX is subject to a civil penalty not to exceed {$1000.00}. Each day of violation constitutes a separate violation. They now owe a sum over {$6000.00} in cease and desist order violations which needs to be paid. All correspondence is supposed to be handled by mail only. I have provided screenshots of the most recent cease and desist violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have a conventional mortgage with NewRez ( formerly known as Shellpoint since XXXX  and have not been late one time with them ever. I was letting NewRez deduct {$1000.00} from my bank account bi-weekly which the monthly payment is {$2100.00} well I decided to make a couple of extra payments and noticed that the system would not let me so when I called to ask why I am unable to make additional payments the customer service representative told me its because you are set up on a biweekly payment plan so I cancelled allowing NewRez from deducting payments through my bank and set up to allow my bank to pay them directly. Well, they did not agree and called me over 10 times to change it after repeatedly telling them that I would like to go through my bank thats when all of a sudden every month I get late fees added. These people constantly call me 2 and 3 times a week asking if I would like to refinance. One guy called and said you have a boat load of equity in your home would you like to take out a HELOC and Im like no again. There are times where my bank will make the payment on Tuesday and the payment sits on the account unapplied for two weeks and thats after I have to call them. 
I am at a 2.875 % interest rate why would I go to 8.0 % it became so frustrating I asked them to stop calling me. Now the retaliation has started since I make payments through my bank and as a result, they get the payment 5 days earlier than they would if they deducted using their system. I feel that I am being harassed and they are part of the problem to the housing crisis-anything for {$1.00}. I feel I am being taken advantage of since I decided to pay through my bank and not use their outdated system which does not allow people to get ahead and make additional payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX  THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
A hard inquiry was done on XX/XX/year>, from XXXX XXXX XXXX I do not recognize this inquiry nor did I submit this inquiry. This is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC
State: AL

Complaint narrative:
I disputed this account with XXXX  through their website on XX/XX/2021 and receive a message that this debt had been verified but did not receive any proof. No further communication was received. I requested this information be removed from my credit reports and all actions to be stop until the proof was provided but it appears an collection company has filed a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
am writing a formal complaint to express my extreme dissatisfaction with the handling of a recent fraudulent activity on my bank account, which has left me feeling utterly disregarded and unprotected as a customer of Citi Bank. 

On XX/XX/year>, I discovered unauthorized charges totaling {$280.00} on my account, which were made at a XXXX XXXX grocery store in XXXX. As a resident of XXXX XXXX, I can unequivocally state that I have never visited XXXX, let alone made any purchases there. 

Immediately upon discovering these charges, I contacted Citi Bank 's fraud department to report the incident. I was relieved when I received a call back the next day, only to be met with frustration and disbelief at the response I received. Despite providing clear evidence that the transaction was unauthorized and occurred far from my location, I was informed that the purchase was deemed " legitimate '' by the bank. 

Not only was my claim dismissed without proper investigation, but I was also issued a new card without any further resolution or explanation. This negligence on the part of Citi Bank has not only compromised my financial security but has also eroded my trust in your institution to safeguard my interests as a customer. 

I demand an immediate and thorough review of my case, along with a reversal of the charges in question. Furthermore, I expect a comprehensive explanation as to why my legitimate concerns were dismissed so casually and without proper investigation. 

As a loyal customer of Citi Bank, I expect nothing less than a swift and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and explore alternative banking options. 

I look forward to your urgent response and resolution of this matter. 

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 monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received my credit report and notice that the XXXX  XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received my credit report and notice that the XXXX  XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Account in collections : Source Recvb XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief