vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 


1. XXXXXXXX XXXX Account Number : XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX Account Number : XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 


3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Upon looking at my consumer report, I observed a third party non- affiliated, student loan, debt collector illegally reporting on my consumer report without my express written consent, who I do not have a contract to obligate me to them in anyway. Previous to this there was another 3rd party debt collector non affiliate who was also reporting to my consumer report illegally, who has since been removed from my consumer report. Then out of nowhere DEPARTMENT OF EDUCATION/NELN started reporting to my consumer report. Doing my time attending college in 1998, I have never provided a wet ink signature with any company for goods and services named DEPARTMENT OF EDUCATION/NELN. This is a complete violation of my rights to privacy as a consumer, and identity theft, because they do not have my express written consent to report on my consumer report. All laws are attached with this complaint along with a affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home address

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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: MS

Complaint narrative:
1. Identity theft by sharing private information with third parties.

2. Misappropriation of collateral by creating and selling the contract without administering valuable consideration to the endorsement of contract.

3. Company has not paid transfer tax.

4. Due to lack of valuable consideration, dividend was never distributed to the beneficial owner of original contract signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Good Afternoon, I have a mortgage loan from XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX. 
I subsequently researched the note, and I found out that person who signed my note ( allonge ) was not an authorized or official officer of the XXXX XXXX, instead she was an title closer, Lastly, the Note was signed in blank. 

Currently, my home is being foreclosed on, and there is evidence and affidavits that person who signed the note, acted out of capacity to defraud both the banks and myself of {$620.00}, XXXX. 

Wells Fargo Bank XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are claiming to have the new assignment from XXXX XXXXXXXX. To date, there are no official endorsements or business records, from XXXX  XXXX, to Wells Fargo. 

The Plaintiff, Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, having its principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a Foreign State Banking Corporation duly licensed , organized and existing pursuant to the laws of their state doing business in the State of XXXX XXXX. 

Wells Fargo Bank, XXXX was never a legal registered occupant at the mentioned address during the dates of the Summons and Complaint. ( The landlord for the said property never rented, acknowledged them, never officially meet Wells Fargo Bank, XXXX, employees, management or staff, at the commercial space ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX has violated my rights. Furthermore ; 15 USC 1681 Section 602 States I have the right to privacy. Followed by 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for a purpose. I XXXX XXXX XXXX would like for this late payments to be removed 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 2023-12-07 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-07 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:
XXXX XXXX XXXX dated XXXX XXXX, is the result of identity theft, and They are not belonging to 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 2023-12-07 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:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy.

Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system.

You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241.

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting.

I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXX XXXX, opened on XX/XX/2020, with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. 
I am demanding my remedy for your willful noncompliance for each violation of law.

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 2023-12-07 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: IL

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
Please remove the following accounts : 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 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

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 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have 2 residential loans with Truist for the same exact amount, same interest rate, and granted at the same moment in time. They each are secured by each side of a duplex at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. For 18 years the payment amounts were exactly the same. ******But with the latest interest rate change the payment amounts are different by XXXX cent. When I called to find out why, the Truist mortgage person said that loan ending XXXX was slightly higher because it had had an insurance policy forced slammed against it for a short time before it was removed. I corrected that issue with a prior CFPB complaint XXXX, but apparently there is a computer error in determining the monthly payment of the loan ending XXXX. ****This needs to be corrected so that both loans are exactly the same, and the payment is exactly the same. If I didn't have exact loans, I would not have known that Truist was overcharging me. Truist might be doing the same thing to thousands of its other borrowers. Here are the loan numbers, the balance as of XXXX and the monthly payment by auto draft : loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. The other loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. ****I realize that XXXX XXXX seems like a trifle but I'm concerned that a computer determining payments for identical loans reaches 2 separate amounts.

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 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have been using this Marcus account for roughly 6 months and I have been consistently depositing money into it to save up. The account is not a CD so I expect to have the liquidity flexibility for my funds. My latest deposit was last night ( after hour ) and while the deposit went through smoothly, this morning while I tried to withdraw for a first time in a bit, I could not proceed and kept getting error messages. I tried calling the customer hotline, which was ONLY NOTIFIED THEN that there was a restriction on my account. I proceed to request information on when and why was my account restricted, as well as removing the restriction and not only did I not receive ANY INFORMATION on why my account was restricted NOR WHEN the restriction was placed, the representative ( Diamond? ) told me that she could not verify my identity since I just changed my number ( though it is updated in the app, and I have verified with SSN, first and last name, DOB, secret security word, as well as email ). I spoke to another representative, XXXX, which, apparently, has access to the record of me speaking with XXXX, and aggressively told me I will have to wait XXXX business days to hear back since my phone number did not meet the criteria to be verified. Of which, when I asked why and what are the criteria, XXXX refused to provide me any additional information about why my phone number does not meet the criteria and what the criteria is. This is violating my rights as a consumer since I was not notified at all about the restriction and now, I can not have access to my emergency funds, specifically for withdrawing only and not depositing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Crypto.Com has made it extremely difficult for me to withdraw my money over {$2000.00} for 2nd time. First time they made the information available to withdraw but it took so long I decided just keep the money there and reinvest after six months since I had financial hardship to pay my mortgage was anxious to withdraw. They never ask for F2A code to deposit money but now to withdraw the make it a requirement I been using their services for last 5 years but now they asked me to sign up again and use a new password word to reset my F2A code the catch is I cant have access to my funds for 24 hours. Now is 48 hours still not ready and is now 4 days since after I sold my coins and even then I attempted to sell half of my coins they sold it all I am really in desperate need of money and I am being played with since XXXX XXXX i been waiting on their help support still no response this is causing me XXXX and it seems they dont understand even after I reminded them how much this money Means to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601

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 2023-12-07 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I woke up XX/XX/31 to emails stating my account has been closed due to the account is not in compliance with terms and agreements. I tried speaking with someone and they claim they cant assist via phone i have to email support for help. Support is not just one person so if I'm being assisted with one person if i send another email it goes to someone new and i have to start all over again. They claim they needed to verify my last deposits i sent them the receipts of the store i went to reload my card in cash along with my ID. I've done this 7 or 8 times so far. They are not giving me a reason or what is wrong that my account was closed i had XXXX in the account. It has been 30days passed and now They're holding my money hostage and i really believe its most of the agents that are overseas do not know what they're doing. Now i need to find legal console or if submitting here will even work out.

Company response to consumer: Closed with explanation