vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet has re-aged XXXX old accounts and is reporting XXXX obsolete delinquent tradelines on my XXXX credit report. I have not made a payment on either of these accounts since XX/XX/XXXX. Both debts were forgiven and paid in full by the federal government on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only be reported on a credit report for seven years after the date of the first delinquency. The federal government forgave and paid these debts without my prior knowledge, request, or any such submitted application. I unexpectedly received a letter informing me of this on XX/XX/XXXX. The final payment made on XX/XX/XXXX for {$290000.00} was not by me. It is a violation of federal law under the FCRA 623 ( a ) ( 5 ) ( A ) for Nelnet to re-age these accounts and for XXXX to continue reporting them. Re-aging is when a creditor changes the date of the last payment on a debt to a more recent date than is accurate. I did not request, initiate, or cause the last activity of the final payoff. I requested a copy of my original federal student loan consolidation contract on XX/XX/XXXX and only received the attached automated response and no follow-up in over 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When viewing my bank account statement with Chase Bank I noticed multiple transactions of deductions from an unknown XXXX XXXX account from another state in the amount of {$4900.00}. I do not have a XXXX XXXX account. The perpetrater was able to transfer the funds between my savings to checking account. I filed a claim with Chase and the funds were originially refunded back to my account and a fruad investigation was started. Upon investigation, Chase then reversed the transactions and they told me I had approved these transactions via email which I have no record of and they refused to provide me with any copies. This has caused a tremendous hardship on me. I was no longer able to access my account while under investigation. The XXXX XXXX transactions left my checking account at a negative balance. Meanwhile my paycheck was deposited into this account and I could not access this to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-27 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: PLANET HOME LENDING, LLC
State: PR

Complaint narrative:
On XX/XX/XXXX at XXXX I talked with the customer service agent XXXX from Planet Home Lending about the process of authorization on my late father 's mortgage. Since I am the only and universal heir, I am the person that wants to assume the loan since the house is mine by the law. During the call I requested the status of the authorization documents I sent on XX/XX/XXXX to Planet Home Lending at their request. XXXX XXXX said that in order to be authorized I had to submit the home insurance in my name. I sent on the package the said document, but in the name of the state of XXXX XXXX XXXX XXXX ( my father ) since the loan is his still at the moment. The customer service agent said that it had to have my name even if the law of XXXX XXXX about heirship says otherwise. They are requiring something that can not be done by law here. However, she still claims Planet Home Lending requires my name on the document. 

The document says XXXX XXXX XXXX XXXX XXXX XXXX, which is me. They have the documents that shows I'm the said heir. However, they won't allow me to be authorized. Since they don't allow me to be authorized due to a document and a situation that is out of my control, they are refusing to give me information that I require about the loan, such as monthly payments information, escrow, and others. Also, I requested a change of the postal address since I don't have access to it. They know this information since I've submitted a mortagage request on XX/XX/XXXX and a mortgage error letter on XX/XX/XXXX. It is important to highlight that I DO NOT receive ANY LETTERS related to the loan. So I don't get the monthly statements and haven'g gotten any AT ALL. 

I've been denied having access to my fathers loan, a loan that I am responsible of. I've been trying to be diligent about the matter, but Planet Home Lending wont let me assume the loan and make such changes. Then they send the same letter over and over again asking for documents they already have, and even ask for a document that can not be changed due to the law. They are asking for something that can not be done. They are going against the law and they are violating my own rights as the owner of the property, as a heir and as the person that wants to be responsible and comply with a responsability. 

I haven't been able to : 1. make payments 2. obtain information 3. change postal address 4. obtain letters and statements related to the loan 5. access their portal to see the loan 6. take the responsability of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This creditor Capital One has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: LEXISNEXIS
State: NY

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent letters to Transunion in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and no help I call the bankruptcy court and they informed me that Transunion has not reached out to them and its against the law to speak with them. The Fair credit act repair requires them to verify this information and they havent done so. Please have them remove this incorrect information from my report this is gendering me from purchasing a home and inquire a security clearance for my job

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 2024-02-27 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: MI

Complaint narrative:
I have unauthorized Inquiries that is reporting on my Experian Credit Report. I received an updated credit report from Myfico. That indicates that I have only 2 Inquiries that is on my Experian profile. Then look at the Experian Credit Report and it shows 5 Inquiries. There are 3 unauthorized Inquiries that I am requesting to be removed from my Experian profile. See Attached Documents that shows one from Myfico. Then the actual report showing from Experian.

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 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
All three credit bureau informed that I had a new collection with JEFFERSON CAPITAL SYS XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX in the amount of {$350.00} opened XX/XX/2023. XXXX has gone out of business over 5 years ago. I do not have any account with XXXX. 
I called and asked who the original creditor was and lady refused to give information. She asked for a credit card to pay some fee. I said no. I continued to ask the lady about the false information. She put me hold and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent letters to XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and no help I call the bankruptcy court and they informed me that XXXX has not reached out to them and its against the law to speak with them. The Fair credit act repair requires them to verify this information and they havent done so. Please have them remove this incorrect information from my report this is gendering me from purchasing a home and inquire a security clearance for my job

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I opened an account with paysafe to process online payment. They were transferring my money as usual and then suddenly they closed my account. When I asked about my money to be deposited they told me I have to wait 180 days. It is completely unacceptable. They close the account they should release the money immediately without any further delay still, they wan na put me through the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint against WELLS FARGO, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
WELLS FARGO, with contact information at XXXX XXXX XXXX XXXX, MN XXXX Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that WELLS FARGO has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against WELLS FARGO to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold WELLS FARGO accountable for their unlawful conduct.

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 2024-02-27 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:
Inaccurate accounts And reporting and inaccuracies 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 2024-02-27 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: MN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting to formally dispute several inaccurate addresses listed on my credit report. Upon reviewing the report, I noticed that these addresses do not correspond to any locations where I have resided or conducted financial transactions. I can confirm that I have never lived at any of these addresses nor have I authorized any financial accounts to be associated with them. As such, their inclusion on my credit report is misleading and potentially damaging to my creditworthiness. 

I understand the importance of accurate reporting and its impact on my financial standing. Therefore, I urge you to conduct a thorough investigation into these discrepancies and remove the inaccurate addresses from my credit file as soon as possible.

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 2024-02-27 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:
This account should not be reporting on my credit report account 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 2024-02-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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