vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https : XXXX, screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}

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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My account was reported as late even though the account was paid the day of. It was paid {$500.00} on XX/XX/XXXX. This was reported to credit unions and my score went down tremendously. I would like this late payment unreported, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I sent LexisNexis certified mail on XX/XX/2024 to dispute a bankruptcy showing on my consumer file. I included proof from PACER and the United States Bankruptcy Court stating that they do not report to credit reporting agencies but LexisNexis is showing that's where they received their information. This information is unverifiable and should be removed immediately. The tracking number for this is XXXX XXXX XXXX XXXX XXXX XXXX - it shows that LexisNexis picked my letter up on XX/XX/2024. Today, on XX/XX/2024, I called LexisNexis Consumer Center. The representative, named " XXXX, '' advised that it's still showing on my file and there's no indication it was ever investigated. The representative states that he's able to do a dispute on his end and will expedite it. This has left me completely frustrated that I have spent money to ensure LexisNexis received my dispute, and it was completely mishandled and neglected- now I have to wait another 30 days for this dispute to be resolved when it should have been corrected the first time. Please see attached for the proof of letter sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I sent a verification of debt in early XXXX via fax and email for two loans ( XXXX & XXXX ). The lender denied my verification of debt because it did not include a signature. However, the FDCPA does not specify that a verification of debt must be signed by hand. It can be signed electronically or even verbally ( i.e. via email ). I understand why my fax request is denied but my email verification should still be valid. As the account holder, sending you a request with the email on file should be enough proof to perform the Validation of debt. I also provided the last 4 of my social. If this is solely a NewRez company rule, they are at fault. This is illegal because their internal rules can not triumph law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY XXXX XXXX LOAN SHOWS UP ON XXXX FOR {$1000.00} AND SHOULD HAVE BEEN SHOWN AS PAID OFF WITH A {$0.00} BALANCE.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2024, I submitted dispute letters to Experian, XXXX, XXXX, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports.

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus.

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports.

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy.

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NM

Complaint narrative:
I tried to pay my account in full and they acknowledged the full payment by email on XX/XX/24 but didn't process it because they are in financial trouble and could be insolvent. HELP!! HELP!! PLEASE, THANKS!

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 2024-02-29 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: KY

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Traffic citations that were reported and was sent to collections, they had incorrect address XXXX, XXXX  thing is the whole profile is inaccurate. They opened a case and I submitted supporting documentation to prove to them that it is not me. this is blocking employment opportunities for and my future down the line. I told them to provide me with evidence it was me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was a victim of identity theft. I'm requesting under 15 U.S. Code 6805- Enforcement to help prevent me from experiencing any further identity theft. My wallet was stolen with my bank information and identity documents. I have filed an FTC report.

In light of this I need to remove all personal information I do not recognize and keep no other than my correct name & address on my consumer report. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I'm requesting proof of disclosures that contain my wet signature for accounts I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was a victim of identity theft. I'm requesting under 15 U.S. Code 6805- Enforcement to help prevent me from experiencing any further identity theft. My wallet was stolen with my bank information and identity documents. I have filed an FTC report.

In light of this I need to remove all personal information I do not recognize and keep no other than my correct name & address on my consumer report. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I'm requesting proof of disclosures that contain my wet signature for accounts I do not recognize.

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 2024-02-29 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: KY

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-02-29 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: KY

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a check from Money Network issues by XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. It is made out to me, has an amount entered numerically and also written out. 

I do not know who this came from and/or if it is a legitimate check or some scam or fraud. Any time I've tried calling I get nowhere... noone seems to be able to answer. They've asked if I can tell them the name of the person who issued the check. I tell them there is no name, but there is an " Issuer number '' I can provide. But they tell me there is nothing they can do with that. Furthermore, they tell me there is nothing more that can be done, no matter what. 
The back of the check requires endorsement that also asks for my DL/ID number. No way I trust providing that to these people as it sounds like fraud to me. 

The phone # they provide is XXXX. I have held onto this check for nearly 4 years, and have tried a few times over the years to contact them again, but it just never goes anywhere. 

The routing and account numbers printed at the bottom are XXXX XXXX, followed by XXXX XXXX. The check # matches the routing #, XXXX followed by the digit 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-02-29 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: TN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-02-29 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: KY

Complaint narrative:
On the XXXX XXXX XXXX XXXX, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CO

Complaint narrative:
On XX/XX/2023 I had responded to a notice of a debt via email, by Hunter Warfield, Inc that I was disputing the validity of the debt, and that I was demanding validation of the debt, yet that information was never provided to me upon request. 
In addition, even though I told them via email to stop calling and harassing me via phone calls, they still continue to do so.

I placed a dispute to XXXX and XXXX that the Collection agency were violating the laws, and I never was furnished information regarding the debt, but they have completely disregarded the laws as no additional information was provided to me.

I attempted to dispute the Collection charge on my credit reports a second time, but XXXX stated I could not submit a duplicate dispute regarding XXXX XXXX. They are/have ruined/are ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal complaint that you are providing incorrect and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are obligated by federal law to verify any and all accounts that you place on a credit report through physical verification of the original signed consumer contract. Otherwise, anyone who pays for your reporting services may open a phony account via fax, mail, or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: KY

Complaint narrative:
On the XXXX XXXX XXXX XXXX, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I want Transunion to take this false debt off my credit report. I do not owe it. It has dropped my credit score by XXXX points. I do not owe XXXX XXXX dollars the account was closed after 1 day. I did not want the service.

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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX I called Truist Bank and requested a 10 day payoff amount to pay off my car loan. I was quoted {$3300.00} as the balance owed. I paid that amount on the XXXX to payoff my auto loan as I made agreement to sell my car privately. I was told by the bank that they hold the title for 7 days and then its 12-15 days after to receive the title. 

I called the bank on XX/XX/XXXX and advised that I had not yet received title. I was told by the person I talked to that I should be receiving title at the latest middle of next week. 

Today I called the bank again because I have not received any documentation regarding paying off my car loan, no statements, no payoff letter, no lien release, no nothing. I spoke with two supervisors who refused to give me any of that information. They all said it would take another 20-22 days to get a payoff letter. I told them this is unreasonable as I paid the loan off on the XXXX of XXXX. I was told by a supervisor that there was an interest error that occurred at the time of payoff and that they decided to fix it on XX/XX/XXXX. This means they sat and waited on following their company procedures to release title until the very last minute and even beyond the expected wait times. I was then told that I have to wait another 12-15 days to get the title from XX/XX/XXXX and then I have to wait XXXX days from today to receive the lien release. This is absolutely unbelievable as I have now lost the ability to sell my car and have lost {$8000.00} I was expecting to have. 

Truist Bank is a lying financial institution that has caused me financial harm by delaying the release of lien and title beyond their company policies and timelines. They are also required by New Hampshire state law to release the lien after payoff within 10 days from the date the loan was paid off. I intend on filing a small claims lawsuit against the company for damages due to their inability to provide me documentation at the time of paying off my loan, release of lien, and title within a reasonable amount of time. I will also be filing a complaint with the better business burearu as well as these actions can and have caused financial harm to me the consumer. They should be held accountable for this egregious and poor service in the finance industry. 

Refusing to provide documents at a loan payoff in a reasonable amount of time is sneaky and shady and illegal. They took my money and lied about timelines and expectations ever since. I will NEVER be using this bank again for any loan purposes.

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