vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: FL

Complaint narrative:
I noticed multiple unauthorized hard inquiries on my report. I reached out to Equifax, who advised me to contact each of the companies responsible for pulling my credit report. I called back to Equifax to inform them that the companies are not responding to me and they continue to direct me to the credit bureau, which is Equifax! Equifax instructed me to file a police report. No. Equifax can obtain the document containing my signature that I authorized these inquiries, which I didn't! I have spent hours writing these companies, calling Equifax, disputing with Equifax, and unfortunately receiving the same response : " Inquiries are a factual matter, '' which is NOT TRUE! Therefore, I am requesting a thorough investigation into this matter to verify the validity of the hard inquiry. Additionally, I ask for documentation or evidence demonstrating my authorization for these inquiries. Please provide a written response detailing the results of your investigation and any supporting documentation within the timeframe outlined by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: DE

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 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 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I mail in the amount that the company tells me for the Escrow {$620.00} to keep the payment the same yet the new payment shows that it is now {$1600.00}. They show that they are holding {$620.00} in unapplied money. This company has many problem and then wants to charge late fees even though it shows more than {$3100.00} in payment happened per last months statement. I have made the same payment each month and they then hold them till they want to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: KS

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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: MS

Complaint narrative:
Self Financial Date Opened : XXXX 2019 To who it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify this late payment and if you fail to verify I would ask you to delete permanently from my credit report, I also demand you show supportive documents that you are reporting this item as accurate, showing that its actually been late this is a violation of 15 USC Code 1681 a which violates my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: Zions Debt Holdings
State: NV

Complaint narrative:
XXXX XXXX continues violate the FCRA of 15 USC 1681n Willful Non compliance and 15 usc 16810 Willful Negligence. I have repeatedly aske them to remove inaccurate information from my report and they continue to not re investigate the inaccurate and incomplete information being furnished on my report. By The Credit reporting agencies own standards they fail to comply with the XXXX XXXX guidelines. I have again attached my proof of the continued non compliance of the XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I called the lender and sent them a fee messages to figure out what we can do to lower my rates. They said my mortgage was estimated to be XXXX a month due to property tax increases. My property taxes went up XXXX dollars annually. They provided me with information on my mortgage, which is XXXX. My property taxes annually were XXXX. Together it should be about XXXX. And if we add in the monthly payments of the insurance, it is XXXX. I recently paid almost XXXX dollars into my escrow, yet my rates still remain the XXXX. I don't know what else I am paying for, and don't know what else to do but this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been going back and forth with Experian LLC since XXXX XXXX XXXX. Experian deliberately ignores my disputes while using such terms as " WE HAVE NOT TAKEN ANY ACTION ON YOUR ALLEGED REQUEST. '' Who allows disputes to be ignored, why was my dispute ignored? This is a waste of my time and money! Experian does not have the right to ignore my disputes. 

I have officially filed with the CFPB, the XXXX, Experian.com, and forwarded all documents via us mail for a second time. 

This is getting out of hand the consumer is to be protected, not ignored!

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 2024-03-30 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: TX

Complaint narrative:
Please Delete this inquiry XXXX XX/XX/year> done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.

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 2024-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Tried to close my Citibank savings account and get my {$32000.00} They said my account was not active even though just opened in XXXX, but I could go to a branch and get it. One problem. No branches in the state of Arizona anymore. There is no way to get it done by phone or online. They asked for a letter to re-activate my account and get a check. I sent it on XX/XX/XXXX and it is still not processed. I spent over 5 hours so far on the phone with customer service. Guess what? Their customer service is in XXXX and none in the XXXX! My only choice is to fly from XXXX to XXXX XXXX or XXXX XXXX and withdraw my money from a branch there.

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 2024-03-30 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: MI

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.

and list of Inquiries.

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 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 2024-03-30 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Title 15 of the United States Code, Section 1681, commonly referred to as 15 USC 1681, pertains to the Fair Credit Reporting Act ( FCRA ). This statute regulates the collection, dissemination, and use of consumer credit information, aiming to ensure accuracy, fairness, and privacy in credit reporting. It outlines consumers ' rights regarding their credit information, including the right to access their credit reports, dispute inaccurate information, and limit who can access their credit file. Additionally, it imposes obligations on credit reporting agencies and furnishers of credit information to maintain accurate records and investigate consumer disputes. Overall, 15 USC 1681 plays a crucial role in promoting transparency and accountability in the credit reporting industry.

Please be advised I will take legal actions next. I've never done buisness with this company AWA never so why are you continuing to report this on my credit Why do I have to fight this bad when we have unlimited credits anyway and have been lied to our whole lives. Even to the person reading this, do your research and remove this immediately because you are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: UT

Complaint narrative:
XX/XX/2023 : Received email from Nelnet saying that my tax document is ready to be viewed online. 
XX/XX/2023 : Attempted to view said tax documents online and was not able to log in. Multiple attempts were made with no success despite entering correct information multiple times. 
Attempt 1 : retrieving username : the website says that they can not find my email address to retrieve my username.

Attempt 2 : forced change my password and provided the email address they " can not find ''. I received a code to reset my password and reset my password. I then used the new password to login. Received the same error message " incorrect username or password ''. 
Attempt 3 : tried retrieving my username again. same error as the first try. 

Multiple attempts were made to log in. At some point, I tried retrieving my username again and it finally worked. Alas, it gave me the exact same username I have been entering in all my attempts. I tried logging in again and it gave me the same error : incorrect username or password. 

Nelnet did not mail a physical copy of my tax documents. I tried calling customer service and the automated machine said that my tax documents will be emailed. no tax documents were emailed to me, only a notification that the documents are available on my account ; the account I can't access. 

" Live Chat '' was just as useless because it was a robot and not a real person and offered no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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 have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX Sold to XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX since XXXX. My address is XXXX XXXX XXXX XXXX Address on Account is Incorrect XXXX XXXX XXXX XXXX, XXXX XXXXXXXX as well as Bank Account used for previous payments of this loan was opened fraudulently and has since been closed. XXXX XXXX XXXX Acct : XXXX Date of Last payment according to Company 's report is reporting incorrectly as it states XX/XX/XXXX and is being report to All bureaus as XX/XX/XXXX. all of this information is incorrect. 

XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Date Last XXXX Equifax : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last ActiveXXXX XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/XXXX is XXXX I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: WV

Complaint narrative:
I file this complaint to request that Equifax report that I do not dispute the account information for my XXXX XXXX XXXX XXXX of my Equifax credit reports. I have attached my Equifax credit report. Please see XXXX XXXX, XXXX, XXXX, and XXXX of the PDF. The comment section on these respective accounts state that CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. There is no need for a dispute, and there is no need for a reinvestigation. I frankly do not know why these accounts are being investigated or disputed. I do not dispute the account information listed on my accounts. Please remove these comments on my accounts. My ID is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: TX

Complaint narrative:
The law of privacy 15 USC 1681 602 and # 4 theres a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy.

15 USC 1681 section 604 a # 2 Subject to subsection any consumer reporting agency May furnace a consumer report under the following circumstances 2 in accordance with the written instructions of the consumer to whom it relates.

15 us code 1681s -2 Reporting information with actual knowledge of error A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the fair crediting reporting act the list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-03-30 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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