vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am on the XXXX plan with a {$0.00} payment ( I have been on this plan since the XXXX  % interest ended from the pandemic ), but my balance continues to grow. The interest is supposed to be subsidized by the government. As of XX/XX/XXXX my balance was XXXX ( it remained at this amount due to the XXXX  % covid interest rate ). Since the XXXX % interest rate ended, it has grown to XXXX, which it shouldn't because I'm on the XXXX plan. It should be XXXX and should remain at that amount as long as I continue to make payments and remain on the XXXX plan. I have contacted the servicer several times since XX/XX/XXXX, made complaints with XXXX, and have not received an adequate response or resolution. It is very concerning to watch my balance grow when this is the very thing the XXXX plan was created to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I have been charged {$98.00} per month for XXXXXXXX for the entire life of my loan. I have been told several times, by several different employees of Shellpoint that I need to pay off XXXX % of my loan to get the PMI removed. They have been lying to me in order to charge me an extra {$1200.00} per year, and I want that money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The name of the account XXXX XXXX  The amounts : {$580.00} and {$1000.00} Original Creditor : XXXX XXXX XXXX The accounts were reported on XX/XX/XXXX Please delete the debt is not mine XXXX medical debts ( Amounts of {$1000.00} and {$580.00} ) were added to my account by XXXX XXXX XXXX agency, Upon reviewing the details of the alleged debt, it became evident that there had been a mistake or confusion regarding the ownership of this debt. As of the time when this debt was incurred in XXXX, I did not possess a XXXX XXXX XXXX which further confirms that I could not have been the individual responsible for the medical services or expenses in question. I disputed the debt with the XXXX credit bureaus ; XXXX and XXXX have deleted the debts but Equifax didn't remove the debt. Furthermore, I have meticulously reviewed my records and have found no evidence or documentation indicating any association with the medical facility or services referenced in the collection notice. There appears to be a clear discrepancy, and I am confident that this debt does not pertain to me. I have since contacted the collection agency and demanded they send proof that shows the debt belongs to me, but they didn't provide that. 

This is XXXX XXXX XXXX response : Our office is in receipt of the complaint filed by XXXX XXXX XXXX. We greatly appreciate this opportunity to respond. The consumer disputes XXXX debts that our office is collecting on behalf of our creditor-client. We have updated the files with the consumers instruction to cease. We trust this resolves your concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 non-monetary relief
Consumer complaint received 2024-04-02 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: CA

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 explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
" Your agency is in violation!

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.

Delete this at once! XXXX XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX {$2000.00} XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian for inaccurate reporting of a bankruptcy on my credit report, reference number XXXX. This reporting is incorrect as confirmed by the absence of any bankruptcy filings on my XXXX and XXXX credit reports. The discrepancy suggests that Experian 's reporting is inaccurate, which misrepresents my financial history and negatively impacts my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., particularly sections 1681e ( b ) and 1681i, credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, consumers have the right to dispute incomplete or inaccurate information, and the credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of dispute. 

Given these provisions, Experian 's failure to report accurately, in stark contrast to the reports from XXXX and XXXX, constitutes a clear violation of the FCRA. This erroneous entry has unjustly affected my credit score and may have broader financial implications for me. 

Therefore, I request the CFPB to take appropriate action to ensure that Experian corrects this inaccuracy promptly. I am also seeking guidance on how to ensure that my credit report reflects only accurate and verified information, as mandated by federal law. 

Attached are copies of my credit reports from XXXX and XXXX for your reference, highlighting the absence of the bankruptcy record, in contrast to the Experian 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 2024-04-02 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. 


As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXXXXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On Experian this account is listed as XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account.

As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX transfered me {$2600.00} XXXX XX/XX/2024 on my credit card Wells Fargo Vis No : XXXX XXXX XXXX XXXX I called customer service in wells fargo asking to cash the amount because I need to pay my mortgage for XX/XX/2024 Customer service notified me that I can cash my money AFTER ONE MONTH FROM TRANSFERE DATE!! 
I objected and filed complaint to customer care justifying that since you have the money already in my account, and my account with you in good standing, don't owe you anything so there is no reason to freez my money especially I need it for paying my mortgage. 
The representitive got my account information u=n XXXX to transfere the money. 
I keep check my account to see their deposit which they never transfere I called to check the situation SEVERAL TIMES every time I get an answer from very LAZY voice from wells fargo representitive which every time says they need more time. 
XXXX and XXXX are 2 representitive that I felt they don't know any thing about anything and they threw responsibility on each other ( Please aske for the record of calls to see what kind of customer service this bank provide and what kind of employees they have ) Today is XX/XX/2024 at XXXX XXXX  and I still can not get my monet. It is even more than a month. 
On XXXX I borrowed money to pay my mortgage On XXXX I borrowed money to pay my mortgage. 
WHY DO I BORROW MONEY TO PAY MY MORTGAGE AND I HAVE FROZEN MONEY WITH THIS BAD REPUTATION BANK AND IT IS HOLDING MY MONEY WITHOUT ANY REASON AND WITHOUT ANY EXPLINATION. 
i AM RESPECTFULLY ASKING YOU TO HELP ME GET MY MONEY AND CHARGE WELLS FARGO A FINE OF THE SAME AMOUNT THEY HOLD WHICH IS {$2600.00} WITH TOTAL OF {$5300.00} AND MUST PAID IMMEDIATELY Thank you

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Accounts Receivable Services
State: MN

Complaint narrative:
I received an incorrect medical bill from XXXX XXXX XXXX XXXX XXXX, MN. I have told XXXX the bill is not correct. They agree with me that it is not correct. Due to bureaucractic issues, they never removed the amount owed and sent it to a third party debt collector called Reliance Resources. I have told them that this bill is not correct and I will not pay it. They continue to contact me. They have recently started to contact my wife and put bills directed at me mailed to my wife. Clearly designed to harrass me into paying an invalid bill just to get them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CA

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 3rd party. They in fact did not come from a 3rd 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
Consumer complaint received 2024-04-02 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: WI

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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