vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: NV

Complaint narrative:
In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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

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 2023-03-22 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. 
Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
My Name, Address, and employers are inaccurate. My previous claim ( s ) should have corrected this.

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 2023-03-23 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: FL

Complaint narrative:
I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies XXXXXXXX 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 These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT

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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have multipole accounts with Shellpoint 4 of which reported a later payment for the month of XXXX the same month Shellpoint decided to change their mailing address. I was never updated with the new mailing address as i rarely look at the statements that are sent to me i have a team who manage all my accounts and they are the ones to make sure all the payments are made i never missed a payments in my life and i never-missed since the incident. This is a case of simple miss-communication which happens to everyone. As a result of not being notified of the address change the check that was mailed for that month was sent to the old address and returned to us only for us to make a payments right away to find out that we where more then 30 days late which cased them to report a late payment on 4 separate accounts. This has affected my credit score dearly and prevented me from getting any new financing which is causing me severe damages to my business and personal health. I submitted a written request to the Company Involved only yo be told that the mistake was on on their end so they wont be correcting the payment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NY

Complaint narrative:
I contacted Experian multiple occasions. This last one XX/XX/XXXX. Attached is the letter I submitted requesting an accurate investigation with proof of HOW they investigated. This was mailed XX/XX/XXXX. Today XX/XX/XXXX, a week later Im receive notice its verified. Being mail takes up to 3-4 days plus 2 day weekend, there is literally no way they did any investigation. 

This account again WAS NEVER LATE, never a collection or insurance claim. This was PAID in full XX/XX/XXXX. The couch is in my living room! 

Please accurately report or DELETE as it should be!

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 
Account # : XXXX XXXX Account # : XXXX DPT EDXXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-03-22 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. 
Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contacted Wells Fargo Bank about the Mortgage Wrongful Foreclosure CFPB has order to pay for their improper denial of mortgage loan modification they did in the past. 

I am submitting this complaint, because I have contact them many times to inquire in reference to the amount they should pay me under the order of CFPB, they only took my name and cell phone number, and have decline to let me know when they will process my refund, and have not contacted me at all. 

I tried for almost 2 years to request a mortgage loan modification, and I ended hiring an office to help me take care of the modification, but Wells Fargo bank did not help in any way. They sold the property, when they even agreed that they would help.

I want to request the aid of CFPB to have the Wells Fargo Bank issue a check to pay me off for the improperly denied mortgage loan modification, ilegal foreclosure and sale in a public auction on XX/XX/2018.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
There are too many violations to pinpoint one specific reason for this " complaint. '' This is not a complaint- This is a NOTICE. I mailed the attached documents to them XXXX  ( XX/XX/2023 ) Certified, Priority Mail, Return Receipt. As of right now, tracking shows it has arrived in XXXX, Washington and should be delivered either today or by XXXX tomorrow at the latest. CFPB- you know the laws. You enforce the laws. You have the power to impose fines. I believe that my request is quite minute- given the number of violations and amount of damages I've endured from this company. In the event that Convergent fails to comply ( hard to envision any accountability at this point ) I plead that you exercise the powers granted to you by congress. The cost and time it would require to go through the courts is not ideal for myself, I doubt that it would be for convergent. Convergent Outsourcing- this is a copy of the notice that you should be getting very very soonl

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 2023-03-22 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I have had issues with Spring Oaks in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. XXXX is reporting that this account was closed by XXXX in XX/XX/XXXX. But Spring Oaks is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent this letter off on XX/XX/, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I also have the tracking number stating that I mailed these letter disputes as well for someone to sign for. 

According to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or with who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurately and according to the FCRA 15 USC 1681 everything has to be in order for the account to be considered 100 % accurate. 

Accounts listed here : XXXX XXXX XXXX XXXX {$1000.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$870.00} opened XXXX XXXX XXXX XXXX XXXX {$820.00} opened 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 2023-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Last Saturday, the XXXX of XXXX, I discovered that my loan 's balance had increased by nearly XXXX dollars. As an example : my statement for last XXXX identifies my remaining balance as, " {$9300.00}. '' My most recent statement ( as of yesterday ) now reads, " XXXX. '' On the following Monday ( the XXXX ) I called and spoke with ( XXXX XXXX, who explained to me that apparently someone with a similar name to my own had been having their payments applied to my own account over the last two years. Thus, they reversed a total of 17 payments.

There are three dilemmas here : First, my wife and I have been making longer term financial plans around what they misrepresented as my status. I now have to amend/change my own plans for the future because of their repeated mistakes. 
Second, one of those plans had been to possibly borrow the money to make the final payment that would close the debt entirely. Had I merely made the payment a week ago, I would be expected to pay a considerably lower amount than I would have to today. 
Third, I no longer have any confidence in any of the numbers that my lender presents to me. They had one task to complete, and they failed at it miserably. This is exacerbated by the fact that they took two years to identify the misdirected payments in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I arranged with Exeter Finance to volutarily repossess my vehicle. I signed their form to formalize the repossession process and submitted it to Exeter Finance on XX/XX/XXXX. From that date forward, Exeter representatives called my phone non-stop trying to get me back on my payment plan. I told them I was waiting for their vendor to pick up my vehicle so it could be taken to auction as per their policy. Exeter representatives continued to call me relentlessly until I asked them to remove me from their dialer system until my vehicle had gone through auction. Once I asked them to stop calling my cell phone, they began calling my previous place of employment and have continued calling almost daily or even multiple times per day. They have called third parties not associated with my loan trying to reach me. They have continued with full collection efforts even though they haven't even taken the car to auction to date. They have not acted in any way in good faith to follow their own procedures and are harassing and threatening me with their ongoing, illegitimate collection actions. I have never refused to pay off my loan I am simply waiting for the car to go to auction so they can apply whatever it sells for towards my balance. They continue to charge compounding interest on their already super high interest loan. They apply every payment made in an interest-first manner that never allows the principal amount of the loan to go down. They are predatory and have a collections-first mindset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive noticed someone finally filed a lawsuit with Wells Fargo over their overdraft fees. I doubt they will contact me as after having numerous months of them doing this to me, I changed my bank. But, what they would do is hold up certain charges or hold up a deposit ( that they had showed already hit ) until days later to ensure Id rack up numerous overdraft charges. Id make calls to get it corrected and every once in a while theyd waive one but Id still have to pay 2-3 or some months even more in overdraft fees. So like I said, losing that much money each month because they would move around dates of when things hit to ensure Id over draft made me finally close the account and bank elsewhere. Id love to have even a fraction back of the overdraft fees wrongly charged. I cant even log into my account now to pull up the records, so Im sure theyll get away with not paying 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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have contacted LVNV Funding by mail four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed this account because I was unaware that I owed any money to the original company. I was also not contacted by LVNV Funding. The only way I found out about the debt was when I applied for a home loan and they informed me that I had a collection for LVNV Funding. After, I immediately sent a letter to LVNV Funding requesting for verification since I had no knowledge of the account, and had never been contacted regarding the account. 

Since I sent the letters, I have not received any verification, or information, on the account from LVNV Funding. This has prevented my approval for a home loan for awhile now. This is extremely upsetting considering the interest rate increases in the meantime. I would like immediate removal from my credit report of this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter

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 2023-03-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have already submitted a complaint ID # XXXX. However I just recently made a police report but I can't attach to the previous complaint.

Company response to consumer: Closed with explanation