vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have sent multiple emails calls to the company regarding the insurance due which is due in 2 weeks. The company refused to pay. I do not want to be at a time period when the insurance lapse due to servicer 's negligence, I am submitting this company for the record so servicer do not blame that they did not receive any insurance invoice or email from the borrower.

Servicer has acted in bad faith especially with the escrow on tax payments and insurance payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: MN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: KY

Complaint narrative:
I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution.

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts Consumer Protection Act, M.G.L. c. 93A, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue.

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response.

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: KY

Complaint narrative:
I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution.

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts Consumer Protection Act, M.G.L. c. 93A, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue.

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response.

I trust that you will take my concerns seriously and work towards a resolution in accordance with the 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For the past 12 months Transunion has been asked to resolve credit issues within my personal report. With each request they have failed or lied about attempts to resolve issue. Transunion has received multiple copes of the false information being deleted and have withheld the information when running disputes. Transunion has been caught doing this as they previously wrote a statement saying 3 accounts were at FCRA standard and had no issues then post dispute removed those accounts. Transunions discrimination and racism has let to me not being able to move locations of living because they have reported false information. Even when provided with a corrected XXXX credit file Transunion has continued their prejudice and racism to side with companies they seem to be obligated to. When called Transunion stated it is not are job to review the information And went on to say its a companies job to solve the issues. Transunion is the only company failing to report accurately on a regular basis and violating consumer rights whenever asked to resolve issue. Transunion has not accepted disputes and has updated files that should be deleted. Transunion has made mistakes for the last 12 months and should be held liable for any compensation required moving forward

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 2024-12-12 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: NM

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-12 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: PA

Complaint narrative:
I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was alerted by XXXX XXXX that an inquiry was made on my credit report by XXXX. 
Bank of America made an inquiry on my credit report for a credit card with XXXX XXXX. I DID NOT apply for a credit card with XXXX XXXX through Bank of America.

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 2024-12-12 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: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I viewed my Experian credit report on XX/XX/year> and noticed there were things that are not accurate and incomplete. And 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 report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2024-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
n XX/XX/XXXX, Nelnet Servicing , LLC experienced a significant data breach that exposed the personal information of over 2.5 million student loan borrowers. Unauthorized access to Nelnet 's systems occurred from early XXXX until XX/XX/XXXX, compromising data such as names, addresses, phone numbers, and Social Security numbers.

It was in the response from XXXX XXXX. : XXXX that sparked many interesting confessions on their end. 

The debt in question, assigned to the Department 's Default Resolution Group in XXXX, originated in XXXX. This timeline places it within a period that should render it uncollectible under Illinois state law for private debts and raises significant concerns about its continuing collection status under federal law.

Federal law may lack a statute of limitations, but this does not exempt servicers or the Department from adhering to ethical standards or addressing the fraudulent practices of institutions like XXXX XXXX during that time. 
As a student during the documented years of fraudulent practices by XXXX, I should have been considered for relief under the related class-action settlement and the Borrower Defense to Repayment program. Yet, no such relief has been offered.

On a side note, very relevant in it own way to this, but equally troublesome I was also affected by the XXXX XXXX data breach but received no relief or settlement compensation. This incident, coupled with the mishandling of my student loan account, exemplifies a broader pattern of neglect toward consumer protections and accountability..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I sent a letter to Midland Credit Letting them know that I have no knowledge of the account they say I owe them. I requested the 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history As of now, I haven't received no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I scheduled a mortgage payment through Fay Servicing website on XX/XX/XXXX. I was unaware payment had been returned by my bank. When I contacted Fay servicing to make the payment, I was told Fay servicing investors needed to approve of me making a payment and that I was going to be contacted back within 3 days. I didn't receive a call back until I called Fay servicing directly on XX/XX/XXXX to make XXXX and XXXX payment including a {$100.00} later fee for XXXX. Fay serving representative, informed me I was being charged {$1300.00} as differed interest, plus {$600.00} late fee and had to pay XXXX and XXXX all at once. I informed representative I didn't have all that money available, but I could pay XXXX and XXXX plus {$100.00} late fee for XXXX. Representative again declined to process my payment and stated he needed to get approval from Fay Servicing investors prior to taking a payment. I tried to pay online, but I the option to make a payment has been removed from the website. In addition, I have been locked out of the online system, and I am unable to access loan documents or statements. I have been charged differed interest every day that I wait for a call back. The amount I have to payback increasing with each passing day. I need assistance in getting Fay servicing to accept a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I found out on XX/XX/year> that a fraudulent XXXX XXXX credit card had been opened in my name. XXXX XXXX  cancelled the account, said they would report it as fraud, and advised me to contact Experian to ensure the fraudulent account was removed from my credit report. I called Experian multiple times. Each time I encountered their automated system and each time I tried using a different key word to get the help I needed. There was no automated option for what I need and I was unable to speak with a human. The automated system either dead-ends at the wrong automated option for me, or tells me to go to the website with no further information, and hangs up. When I said customer service specialist, the automated system said it was unable to connect me with a customer service specialist and hung up. 

There really needs to be a way to speak with a human being but with Experian I find that impossible. And their website is focused more on selling you a paid subscription than anything else. Its difficult to find simple free services such as credit freezes and fraud alerts. Its a truly terrible phone and online system.

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 2024-12-12 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Good afternoon, I'm reaching out in regards to an account I had with Navy federal credit union that was placed into early earning services for possible fraud. My bag was stolen at a party which included phone and card/money etc. I never filed police report. I informed XXXX XXXX XXXXXXXX of the incident and there was some fraud on my account which put my account in negative by like $ XXXX. They closed my account and it was placed on credit report as fraud as if I did it. I need this removed off my credit report, I didn't commit any fraud on a bank account that I needed and used. I've been getting denied for loans, bank account and etc because of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief