vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was able to seek legal advice about information and experiences that can be shared onto my consumer report. From my research I noticed that Congress granted everyone rights as an consumer dealing with our consumer reports. There are several laws this company have purposely ignored by furnishing this account onto my consumer report for over a decade now. I was able to reach out to all 3 bureaus that were reporting this account and requested to have it removed and only 1 of the 3 complied. This lead up to me now filing an complaint. Violation codes are as follows : 15 U.S. Code 1666b ; 15 U.S. Code 1681b ; 15 U.S. Code 1681e. Delete account immediately. I do not consent to you furnishing my account with any XXXX party agencies. The transactions and experiences should not be shared with any other companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Ive been having trouble with NewRez for the last past 2 years now. Back when interest rates were 2 % I went through a refi process for months just to be given the run around. A few months ago I had requested to manage my escrow account & they requested proof of my insurance in order to relinquish it as well as a written request. I submitted both & received a letter stating that I couldnt manage my account because it hasnt been active for 12 months though Ive owned my home for nearly 6 years now. After giving up on that process I now am dealing with PMI issues. Before my payment on XX/XX/XXXX I had called to verify that if I made an additional payment of $ XXXX onto just my principal ( which will give me above 20 % equity ) would PMI automatically be removed. The agent confirmed that it would so i proceeded with the payment just to see PMI still being charged to my account. I called again on XX/XX/10 & this agent stated that I needed to submit a request in order to remove PMI & that she would process that for me. While on the phone with her, I also addressed that I received a letter in the mail stating that if I dont provide proof of insurance one will be provided & charged at my expense. As stated above, I provided that when trying to get control of my escrow! She was able to provide me with the information needed to navigate but in all honesty Im tired of battling this company. NewRez agents in the past had no idea what they were doing or talking about & are trying to extract every XXXX out of me. Every time I try to save money or move in a direction thats in my benefit, they hinder me in order to continue to steal from me. Im aggressively trying to pay off my loan to escape this dumpster fire of a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion did not conduct a non permissible inquiry investigation on my previous complaint. They send me a bill or rights documents. No investigation at all conducted. 

The following are non permissible inquiries which I did not authorize. 

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 XXXXXXXX XX/XX/XXXX I demand for this matter to be investigated otherwise these to be deleted 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ).

They operate under multiple names but conti

nue to pass it from one to another but it's clearly the same debt.

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name.

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the XXXX XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX US Bank National correspondence received offering help. 

XX/XX/XXXX Attorney for US Bank pushed Judge for a sale date. 

XX/XX/XXXX, XXXX Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). 

XX/XX/XXXX - A second Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). 

XX/XX/XXXX -Per a US Bank Relations Representative , she sees no documents on file, and all documents needed must be sent to US Bank National by tomorrow, XX/XX/XXXX. 

I ask for a fax number. 

XX/XX/XXXX I fax the Mortgage Assistance Application, Pay stub, all hardship & medical documentation for Loss Mitigation for the Underwriting department ( XXXX pages ). 

XX/XX/XXXX I telephone US Bank National and was told to call back on Thursday - 2 days-to make sure the " Underwriting Department '' had everything they needed. 

XX/XX/XXXX I contact US Bank National and a Customer Relations Representative told me " the Underwriting department will not review the documents when there is a sale date scheduled. '' But they knew this in the days prior when they gave me a fax number and instructed me to call back to check on the documents I faxed.

US Bank National does not want to do a " mortgage modification. '' This is the same thing they did to me from XX/XX/XXXX to XX/XX/XXXX. 

US Bank National strung me along pretending to be " processing a modification application '' but each time I called/emailed to follow-up, there was always some document " missing. '' I never got the modification and US Bank filed a foreclosure action on XX/XX/XXXX. 
US Bank FORCED me into foreclosure.

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 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had 3 mortgages with Wells Fargo they refused modify any of loans I lost my properties

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late T-Mobile In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I sent the attached hardship letter when I first received their debt letter on XX/XX/XXXX. The original letter said that I could pay {$25.00} every 2 weeks but when I logged onto their website to make these arrangements it was not an option so I sent the attached online correspondence asking to set up these arrangements. Then after reviewing the letter more closely, I saw that the original creditor closed the account without my knowledge after making a payment, so I asked XXXX to send me original documents with my signature on XX/XX/XXXX. I never heard back until XX/XX/XXXX, when I received a letter from " Midland Credit Management Legal Collections Department '' stating that I had to make payment in full or they were suing me. So how can they sue me when they are the ones that failed to respond?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Company : XXXX XXXX XXXX Furnished date : XX/XX/2020 Bureaus Reporting : XXXX ; Equifax I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ign
oring my Congress granted rights. I also reached out to XXXX and Equifax to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long.

I am requesting this company XXXX XXXX XXXX XXXX XXXX to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company : XXXX XXXX XXXX Furnished date : XX/XX/2020 Bureaus Reporting : Experian ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to Experian and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long. 

I am requesting this company XXXX XXXX XXXX XXXX XXXX to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.

Company response to consumer: Closed with explanation