vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Loan was paid off early via wire transfer XX/XX/2024 lender Specialized Loan servicing LLC now known as shell point mtg filed satisfaction of mortgage XX/XX/2024 in XXXX XXXX Florida. Should have filed in XXXX XXXX Florida. I need a corrective action take to resolve title issue this caused. I have also requested they send a letter advising this is being addressed so I can close XX/XX/2024. They are not very helpful in resolving their mistake. I was just made aware of the problem and have spoken to 5 people with shell point mtg over the last XXXX days. I have asked to speak with management and was told they do not have any management.

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 2024-10-02 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX- Account Name : XXXX  - Account Number XXXX XXXX- Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XX/XX/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 2024-10-02 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: LJ Ross Associates
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes ( RSMo ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices. 

It has unequivocally come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri law, specifically under RSMo Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, RSMo Section 407.020 prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent.

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and RSMo Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: DE

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 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 a 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 to any 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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  XXXX The following inquiry was not authorized and should not be reporting.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
Dear Axos Bank, I opened Axos Checking and Savings accounts via the promo page https : //www.axosbank.com/pages/freedom on XX/XX/XXXX, using the promo code XXXX. The promo promised a {$300.00} bonus under the following conditions : - Open the accounts by XX/XX/XXXX with the promo code XXXX. 
- Fund the accounts within 30 days of opening. 
- Ensure direct deposits totaling at least {$1000.00} per calendar month, with a {$100.00} bonus credited after each qualifying month, up to three months in the first four months.

See also the attached screenshot for detailed terms. 

The accounts were funded on XX/XX/XXXX, and the promo code was successfully applied ( customer service confirmed that- as per the attached screenshots ). 
My direct deposits ( paychecks from my employer ) were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each of {$1000.00}, totaling {$2000.00} for each calendar month in the XXXX, XXXX, and XXXX months after account opening. 
Despite meeting the promotion requirements, I have not received any bonus. 

When I contacted customer service, I received conflicting responses : - I was told that the direct deposit funds needed to remain in the account for a full calendar month to qualify, which was not a requirement in the terms ( see attached screenshot ). 
- Another response claimed I wasnt eligible due to the one-checking-promotion-per-year rule, but I have never held a checking account with Axos before.

- Lastly, I was told my direct deposits were not legitimate, which I disproved by providing paystubs and also showing that the Axos interface properly categorized them as Deposits > Paychecks/Salary ( see attached screenshot ). 

I escalated the issue, and XXXX # XXXX was created, but no resolution or feedback was provided. 

I kindly request a thorough investigation into this matter and the deposit of the {$300.00} bonus as per the promotion terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: OH

Complaint narrative:
XXXX, XXXX Ace Elite-Netspend, my debit card holder sent text alert of potential fraud activity on my account. I tried to login to check activity but was blocked. Called Ace-Netspend. Someone got into account, was able to change pertinent information such as user ID, password, mailing address, alert messages and got virtual cards from account as well as spent total of XXXX from XXXX stores in XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX not only permitted the charges to post to my account after I reverified multiple times proving that that is absolutely not me nor did I purchase any of these items. Card was blocked, new one issued. Then I am given access back to login to bank, account continues to be blocked and me reverifying it to unblock. Yesterday evening, XX/XX/XXXX my new card arrives. Today at XXXX I try to login to activate it, it was blocked again. I reverify. Unbeknownst to me I am assuming that all the login blocking was standard procedure until my new card arrives. At XXXX, not even an hour and half later I recieved another text message from Ace-Netspend of fraud activity. I immediately call, agent stated that my account was compromised again and now I am angry and panicking because now I have a new card that I just activated and have not even used this card, and this company allowed someone back in again to switch my information and tried to purchase more virtual cards??? How is this possible now, unless someone inside the department is stealing data! Ace-Netspend called me back, I again reverify, and at the close of the call, instructed me to immediately follow the link to reset password again. When I do so, it automatically opens the account upon reset. I am now in my account and can see the info from the culprit such as email address that was switched, mailing address that was switched, and XXXX virtual cards! As I am freaking out waiting for Ace Netspend to pick up my call, the person that hacked in my account steadily kept switching that information back! And now, no one from the company will pick-up my calls. I am automatically placed on hold. I do my best to keep the login opened to prevent any further harm to my account and race to the police station. By the time the police were able to make the report, I was booted out my account and it was blocked. I hate this company. This is my money! And they are just casually letting whoever with minimal info in my account, switch my info, make purchases, and then text me? It should have been blocked the moment someone else was trying to get in!

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
** This letter is a formal demand for the **immediate deletion** of a negative XXXX account- XXXX XXXX XXXX # XXXX {$XXXX} that is being XXXX reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so I know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a XXXX ( Cancellation of XXXX ) ** form to legally consider the debt canceled or paid in full. 

You are reporting a charge-off without any evidence of a XXXX being filed with the IRS, which is XXXX, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) **, furnishers are required to update information and report accurately. If youre reporting this account as a charge-off, where is the proof that the debt was *charged off* or *canceled*? 

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, you are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am inquiring about Experian with the Deletion of XXXX XXXX XXXX, the account was deleted from my credit Report and experian Add it Back to report .I am Asking For a Fill investigation into fraudulent of Experian credit reporting Adding and Deletion of accounts ( Paperwork will be submitted ) XXXX XXXX  is reporting inaccuracies is in violation of my consumer FCRA Rights -5 U.S.C151692c XXXX XXXXXXXX XXXX Card

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 2024-10-02 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: GA

Complaint narrative:
I contacted XXXX XXXX  XXXX, located in XXXX, regarding a fraudulent car loan allegedly originated in XXXX  by the now-closed company, XXXX XXXX. I informed the company that I have never had a car loan and that I am a victim of identity theft. In response, they provided a blacked-out photocopy of a state ID. Despite my explanation, XXXX XXXX XXXX, specifically a representative named XXXX, has continuously refused to remove the fraudulent account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, creditors and credit reporting agencies are required to ensure that the information reported is complete and accurate. I exercised my right to dispute inaccurate information, yet this company has failed to conduct an appropriate investigation or remove the false account. This has caused significant damage to my credit profile, as the company continues to report inaccurate information, including a false claim that the account is under XXXX  XXXX XXXX. 

The law also mandates that if a consumer is a victim of identity theft, companies are obligated to block fraudulent information from credit reports after being notified. Despite this, XXXX XXXX  XXXX has refused to correct the errors. This willful non-compliance is in violation of my rights under FCRA and constitutes a discriminatory action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I was incarcerated since XXXX, and recently released in XXXX, me and my childrens were victims of identity theft and this is XXXX of the accounts that was open. 
SYNERGETIC COMMUNICATION {$XXXX} Last reported on XX/XX/XXXX I am asking that this be removed from All XXXX credit beareaus because I am a victim of identity theft and this should not be on my credit considering I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I paid nearly or close to {$XXXX}, mostly in interest, for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX beginning in XXXX. I decided to leave the " XXXX  '' and " XXXX  '' after XXXX  year instead of the XXXX  years I signed up for because it was obvious everything about it was a scam. Except I was on the hook for a lot moneyy XXXX semesters in, with no means for a refund, and young, optimistic eyes. I did manage to get a piece of paper ( diploma ) out of the 1 year, but that isn't worth the frame that was bought for it, and the frame used for better things -- can't say if the paper is still around in a filing cabinet or something. 

In the last decade that entire school closed. I reported their shady practices to the CFPB in XXXX without much resolve. Thanks to millions of others and change in administrations, eventually XXXX vs. XXXX ruling restore some balance to a corrupt apparatus. In XXXX I was sent notice of a XXXX XXXX XXXX approval for unlawful conduct. Those loans were XXXX as of last week ( XXXX  months later ). This is certainly a victory. But who did I pay {$XXXX} for an why? This was all unlawful conduct of a for profit business that no longer operates because of how unlawful it was run. Why did I pay the federal government for that? 

I reached out to the loan servicer, Navient, for updates about when my credit report would reflect this change and any comments about refund eligibility. After verifying the loan and balance were removed at XXXX. I was sent the following ( unmodified ) reply, " Thank you for reaching out to us in regard to your current account status and Credit Report. 
Please be advised that accounts that are paid in full will be reported to the XXXX XXXX XXXX at the end of each month. 
I understand how that can be confusing. Only payments made directly to the XXXX XXXX XXXX are eligible for a refund. Although the Department granted loan discharge based on your attendance at [ insert school ], they did not authorize refunds of any past payments made on loans they did not own. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( XXXX  # XXXX ). 
ref :! XXXX.! XXXX : ref -- -- -- -- -- XXXX XXXX -- -- -- -- -- I received a federal loan discharge letter on XX/XX/XXXX and would like to know an estimate when this will be removed from my credit report. 
Further, I would like the XXXX and promissory notes, master promissory notes, disclosure statements, and any documentation related to my refund eligibility. I saw no mention of the money I paid for a fraudulent school and program. ''

Company response to consumer: Closed with explanation