vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: NY

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fidelity National Financial, Inc
State: TN

Complaint narrative:
My mortgage loan service provider : https : //www.myloancare.com/ has been down for over a week. All calls to their customer service go unanswered. 

I need to make my mortgage payment but their is no information on how to do that. 
The phone payment option is not working either. 


URL : https : XXXX XXXX XXXX XXXX XXXX XXXX  Lot of users have the same issue : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
On XXXX, I contacted XXXX XXXX XXXX for payment postponement. They said only 12 months are allowed. I have used the max in XXXX. They said I have to contact a Goal Structured Solutions , Inc. Why the run around??? I would like to deal with 1 company ( XXXX ) not another 3rd party!!! Wish there were more user friendly options for postponement for private loans compared to federal loans. It's a shame you can not have student loans discharged on a XXXX XXXX  bankruptcy which I filed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : 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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
Several weeks ago I went to pay my mortgage through XXXX. The online system was down so I called the phone number, they told me " there was an incident '' and their system would be back the following day. It was not, so I waited a few days and tried again. Online was still down, so I called the number. I was met with a recording that said their customer service and billing departments were not available until a cyber attack situation was resolved and only incident response was available. Speaking to the incident response team, I was told they are not able to take any payments. Its now been a couple of weeks, and online payments is unavailable, calling to make a payment they tell me they can not accept any payments at this time. I told them I have 2 days left till I am late, and I need to make a payment, and they said they could not help me and that I would owe late fees if I was late. I told them I am trying to pay my mortgage, and they have no way to take my payment why would I have to pay a late fee and take a hit on my credit. I was told this was my problem not theirs, and they would accept a payment if they could, but they can not. So I will have to deal with the repercussions because they are hacked and can not accept payments? I do not understand how this is legal. I just want to pay my bill, and they will not let me because they are hacked?? I have to pay fines because they cant take my payment? This is not OK, it should not be legal.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 
I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 
Please manage your responsibilities accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXX XXXX  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but TransUnion and XXXX still reflect the late payment.

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 2023-11-28 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: PA

Complaint narrative:
XXXX XXXX agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but XXXX and Equifax still reflect the late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was breach and admitted to my information being stolen back in XXXX. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: NJ

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed unde

r 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared. My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or ve
rbal consent previously extended to entities like XXXX, Experian, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory. 

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I purchased a wooden swing from Wayfair in XXXX XXXX The swing had a one-year warranty from Wayfair. On XXXX XXXX XXXX, I sent Wayfair pictures to show that my wooden swing 's wood had rotten. I shared photos that showed my swing was under the porch and that I had purchased a cover for additional protection. After accepting the photos, Wayfair indicated that my account would be credited for the damaged swing within 5-10 business days. When I checked my Wayfair account ( Citibank ), the credit was not issued. I called Wayfair to inquire why my account had not been credited. I was informed that a credit could not be issued until the dispute I had with Citibank was resolved. I informed Wayfair that I did not have a dispute with Citibank, the Wayfair representative indicated that nothing could be done ; therefore, my Wayfair account had to be sent to an executive resolution specialist. An email from Wayfair, XXXX, executive resolution specialist, was sent to me that read, " This is in regard to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, you will need to contact Citibank regarding your refund. A dispute was entered with the credit card company, and they are holding the money for the transaction. They will provide a refund to you based on the findings of that dispute. '' I called Citibank, the Citibank representative indicated " We are a bank, any refunds must come from Wayfair. '' During the conversation with Citibank, I asked for a XXXX conversation with Wayfair. Wayfair, Citibank and I discussed my refund, and I was told the same thing, that Wayfair could not do anything until the pending dispute was resolved. The Citibank representative told the Wayfair representative that there was no dispute pending. On XXXX XXXX XXXX XXXX, a Wayfair Executive Resolution Specialist finally sent an email that confirmed that the dispute that Wayfair referred to was resolved XXXX XXXX XXXX Even after the email was shared on XXXX XXXX XXXX  I am still going back and forth with Wayfair and Citibank since XX/XX/XXXX, regarding my account being credited. Citibank has added interest, late fees and a negative report to my credit report. Once Wayfair credits my account and the late fees and interests are removed, my account is XXXX. I followed all instructions that were asked by Wayfair and my account still has not be addressed by Wayfair. At this time, I have no swing and I am expected to pay a bill. Please assist, I will share all emails and pictures at your request. Prior to this incident, my credit report was exceptional ; never a late payment of any kind.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has denied my claim after proving evidence of fraud from services that I no longer have access to, and I strongly disagree with the discussion. I purchased services from merchant 'XXXX XXXX XXXX ' and the service I paid for is no longer available to me. 'XXXX XXXX XXXX ' intentionally sabotaged customers by putting software on the services to intentionally fail customers so that they can keep paying for evaluations when in reality they were soliciting customers. The company has a lawsuit filed against them for fraud. I was paying for evaluations that have history and data on the dashboard on the website that I no longer have access to. I have submitted court documents to Wells Fargo proving that I did not receive the services that was paid for and that the services are no longer available. I purchased services from the merchant on XXXX XXXX  for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, and XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) More than 180 languages available. 

I previously filed a claim with the customer protection bureau and was told to file another because they kept having to extend the case multiple times because Wells Fargo claim assistance center did not get back to them in time.

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 2023-11-28 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation