vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: PA

Complaint narrative:
I previously disputed the accuracy of these account with the Credit reporting agencies and XXXX. Specifically, i disputed with XXXX via the CFPB XXXX and XXXX is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. Experian alleges that XXXX verfied these account as accurate Affidavit of truth attached. Experian report attached

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am the author of this complaint. I checked my credit report and saw that an account from XXXX XXXX XXXX was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX Guideline to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. I have also called XXXX on a recorded line and spoke with a manager who informed me that the debt was sold to RESURGENT RECEIVABLES who will be joined to the original creditor in arbitration if I were to file a claim. 

XXXX XXXX XXXX has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
This is in regards to Shellpoint Mortgage Servicing and their attempt to charge us for insurance on a property address where we do not and have never lived at. They have our XXXX XXXX XXXX  information for our current address and location of our mobile home. We have never lived at the address that Shellpoint has provided. After several attempts, Shellpoint refuses to change our physical address. Thank you for looking into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score

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 2023-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I paid off my personal loan to barclays in full on XX/XX/XXXX. I followed up with barclays to see where my overpayment check was on XX/XX/XXXX. They said they will mail the check to me for {$730.00} for overpayment of personal loan balance on XX/XX/XXXX. I called on XX/XX/XXXX to see where my overpayment check was for {$730.00}. They said the check was sent to an old address and they will look into creating a new check to be sent to my new home address. To this day I have not received my overpayment check of {$730.00}. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclays Personal Loan Team Manager XXXX at XXXX keeps telling me the same thing that they are researching/looking into cutting a new check to be mailed to my new address. Barclays has been researching a new check for me since XX/XX/XXXX. I need help getting my overpayment check for {$730.00}. I do not understand how it can take over 5 months to issue a new check for {$730.00}. Please help. 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
: CFPBTo I made a previous complaint case # XXXX against Wells Fargo for extra-legal business practices. We currently have litigation in the Federal Courts. Case # XXXX. 

At this time Wells Fargo has not been able to provide any documentation to back up claims to the effect that I asked for any changes to the original loan dated XX/XX/XXXX loan number ending with XXXX. They claim that the changes made were made for a refinance dated XXXX the new loan # XXXX. 

They then transfererred service of said loan to XXXX XXXX XXXX as of XX/XX/XXXX. After they had opened an estate case against XXXX XXXX estate in XXXX XXXX. Again Im not a party to said loan nor did I agree to any such changes to the original loan which, has been paid in full at this time.

Im currently seeking for this governmental agency to step in and make both companies named not only change their illegal business practices, but also ; provide me with at the very least compensation for my legal fees.

This entire situation has been one of constant frustration for the last several years. I have done everything asked of me in a timely manner and still havent had any solution to the situation.

Please advise me as to what can be done to provide me with some way of this entire situation being finished. I feel that both companies have preyed upon the fact that they can and do have endless means to hire as many attorneys as they choose in an attempt to simply slow down the legal process and in hopes that me being the little guy will either give up or simply fail. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO 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 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Ive been getting harassed for quite some time Im getting told Im going to get sued/ arrested for something I didnt even do I even contacted a buddy who works in that company he says that what the job is doing is 100 % wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
This is regarding student loans from XXXX. I was deemed permanently and totally XXXX in XXXX and went through the process of having my student loans XXXX due to my condition in XXXX, which they were. I have one that has recently, in the last year, been added to my credit report, which I don't understand since ( 1 ) they were discharged, and ( 2 ) this information is XXXX XXXX XXXX, and I don't understand why after all this time, its on my credit report. It says there is no payment due on the loan on my report, but it's listed as an installment loan which is dragging down my otherwise excellent credit score that I've worked extremely hard to build. I filed a complain through Trans-union, twice, and nothing has been done about it, and I have not received and explanation why nothing is being done about it or why it's on my report. Any assistance you can provide would be greatly appreciated. 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 2023-08-04 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company 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 2023-08-04 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company 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 2023-08-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Loan Account on My Credit Report Dear Experian Consumer Relations, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning my credit report. I recently reviewed my credit report and discovered an account that I believe to be fraudulent. Despite efforts to resolve the issue with the company verifying the account, it has come to my attention that this account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I have never had any financial transactions with the company listed above, nor have I ever taken out a loan with them. This erroneous information on my credit report is causing significant distress, and I am concerned about its potential negative impact on my creditworthiness. 
I have already taken the following steps to address this matter : Contacted XXXX XXXX XXXX I have attempted to reach out to the company responsible for reporting the loan account. However, they have been uncooperative and unwilling to acknowledge the fraudulent nature of the account. 
Filed a Dispute with the Credit Bureau : I have submitted a dispute through the Experian online dispute resolution system. Unfortunately, the company verifying the account has not provided any substantial evidence to support its legitimacy. 
Initiated a Fraud Alert : To protect myself from potential further fraudulent activities, I have placed a fraud alert on my credit report with all three major credit bureaus. 
Considering the severity of the situation, I kindly request your assistance in resolving this matter promptly. I request that Experian investigates this fraudulent account thoroughly and removes it from my credit report as soon as possible. My aim is to maintain an accurate and fair credit history. 
Enclosed with this letter, please find copies of documents that support my claim, including a copy of my identification for verification purposes. 
I understand that Experian is committed to ensuring the accuracy and integrity of consumers ' credit reports. I trust that you will handle this dispute with utmost attention and conduct a comprehensive investigation into the matter. 
If you require any further information or documentation from me to expedite this process, please do not hesitate to contact me at XXXX or XXXX I sincerely appreciate your understanding and prompt attention to this matter. Thank you for your assistance in resolving this dispute and protecting the integrity of my credit report. 
Sincerely, 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 2023-08-04 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: Nelnet, Inc.
State: PA

Complaint narrative:
I previously disputed the accuracy of these account with the Credit reporting agencies and Nelnet. Specifically, i disputed with Nelnet via the CFPB XXXX and Nelet is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. XXXX alleges that Nelnet verfied these account as accurate Affidavit of truth attached. XXXX report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Dear Wells Fargo, I am writing to request a refund for an unauthorized XXXX transaction on my Wells Fargo account. I discovered a transfer of a total of {$3800.00} from my account to an unfamiliar recipient. I immediately reported the incident to Wells Fargo, providing all relevant information regarding the transaction. Wells Fargo is required to investigate all reports of unauthorized transactions. 

However, I am disappointed that the bank has declined to issue a refund, citing federal law as the reason. I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The EFTA and Regulation E state that a bank is liable for unauthorized electronic fund transfers if it fails to implement reasonable security procedures to protect its customers ' accounts. In my case, Wells Fargo 's own investigation revealed suspicious activity on the Client 's online banking account, with logins recorded from locations such as Texas, XXXX XXXX, and even XXXX. 

These findings strongly indicate unauthorized access and fraudulent activity. As a responsible account holder, the Client have always taken necessary precautions to protect my account information. I have never shared my account number or password with anyone, and I use a strong password that the client change regularly. The client also use two-factor authentication whenever possible. 

Given the circumstances of my case, The client believe that Wells Fargo is obligated to issue a refund for the unauthorized XXXX transaction on my account. I respectfully request that you reconsider your decision and promptly initiate the refund process. In the previous letter, the client was asked to provide new evidence regarding the claim, I have attached all the evidence regarding the claim, including the police report. Thank you for your time and attention to this matter. I look forward to hearing from you soon. Sincerely, 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