vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
In XXXX XXXX XXXX I called to set up a consolidation on two loans from XXXX. They said they would take care of it while we were on the phone I also asked if there was anything on my end to be done they said no.. In XX/XX/XXXX I went back to school at XXXX XXXX XXXX  everything was fine until XX/XX/XXXX when my loans went into default. That was not found out until XXXX XXXX XXXX I called student aid then they sent me to Great lakes then the system sent me to Nelnet because that is Great Lakes Inc new company. So because of the wonderful default that Nelnet so graciously did for me I had to withdraw from school trying to get this taken care of. Because of the default, XXXX XXXX XXXX now wants {$2700.00} that should have been covered by my student loans. In XX/XX/XXXX I was approved for XXXX for health reasons. They sent information about the XXXX XXXX XXXX paperwork to Nelnet. I did sign up for XXXX  but cancelled it because I misunderstood the process. Now I have {$44000.00} in student loans instead of the {$22000.00}. Also I have {$6400.00} for this past school year at XXXX XXXX XXXX. All the loans are through Nelnet my loan servicer. When I call them no one knows anything and all this information is on the credit reports. I need something done about this please. I have dealt with this since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXX  - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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 am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - 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 2024-10-24 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: TX

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.

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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Score hasn't been increasing anymore. I feel like my Credit Score is incorrect. I don't know who to call.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 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 2024-10-24 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: EQUIFAX, INC.
State: NM

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.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In XX/XX/year> after failed attempts to rectify the issue with oneMain Financial ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, OneMain agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, OneMain has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX For this account you have incorrect remaining balance. I pulled my annual credit report and your remaining balance on this loan is different from the other 2 credit bureaus. I have submitted screenshot of the annual pull report and the differences

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MECHANICS BANK
State: CA

Complaint narrative:
XXXX Lawsuit against Mechanics Bank. Essentially, Mechanics Bank never returned $ XXXX back into my XXXX XXXX ' Bank Account # : XXXX Mechanics Bank 's Chronological Transactions ( These transactions can be found under the attached pdf, " Mechanics Bank Chronological Transactions XX/XX/year> '' ) A. XX/XX/year> - XXXX XXXX XXXX XXXX  account ledger Current Balance : {$380.00}, XXXX XXXX XX/XX/year> - Wire DEPOSIT of {$400000.00} from XXXX Bank XX/XX/year> - Balance is now : {$790.00}, XXXX XXXX XX/XX/year> - Wire WITHDRAWAL of {$100000.00} to Oh, Wow Car Deals XX/XX/year> - Balance is now : {$690.00}, XXXX XXXX XX/XX/year> - Incoming Wire Fee of {$10.00} XX/XX/year> - Balance is now : {$690.00}, XXXX XXXX XX/XX/year> - Incoming Wire Fee of {$40.00} XX/XX/year> - Balance is now : {$690.00}, XXXX XXXX XX/XX/year> - Wire DEPOSIT of {$150000.00} from XXXX XXXX XXXX I have the email from XXXX XXXX stating the fact that XXXX does NOT allow transactions between business accounts and XXXX XXXX personal accounts. 
XX/XX/year>- Balance is now : {$840.00}, XXXX XXXX XX/XX/year> - Wire WITHDRAWAL of {$50000.00} to XXXX XXXX. 
XX/XX/year>- Balance is now : {$790000.00} XXXX XX/XX/year> - Wire WITHDRAWAL of {$150000.00} to XXXX XXXX. 
XX/XX/year> - Balance is now : {$640000.00} I. I have attached all Mechanics Bank Bank Statements for the entire duration of the XXXX XXXX ' account to Illustrate that NO further {$150000.00} wire nor check was ever returned into the account. 

XXXX. We lost access to a collaboration deal with XXXX XXXX XXXX, XXXX & XXXX of XXXX XXXX due to the failure of returned funds. We were supposed to invest approximately a XXXX into his bitcoin company so we could mine and create our very own bitcoin in XXXX, XXXX. 

XXXX We are also suing for damages and loss of funds from any potential investments. 
Notes : The Mechanics Bank banker 's name who handled my $ XXXX wire is XXXX XXXX XXXX XXXX, Business Services Officer NMLS ID # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to close on a real estate purchase which is now delayed. Equifax has a data error that is preventing me or my lender from pulling my credit report. They are requiring me to overnight a written request and wait their standard processing time, however this error is in their system and I am now on the verge of losing my deposit and this property since I can not perform. 

I have made several call the week of XX/XX/XXXX and overnighted a written request on Friday, XX/XX/XXXX. XXXX for Equifax to receive and process but I am now almost a week later and one week past my close of escrow on my home purchase. 

There is no rush accommodation offered. The other two credit bureaus had no issues but when I called Equifax multiple times, they give several different answer from we don't see a property to oh yes, it has conflicted personal data and we need your request to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
Still after 2 years of my Wife and I identity theft, nothing have being delete and remove. over {$100000.00} dollars in personal damage. I have requested in multiples request to you the consumer financial protection bureau to please tell the credit bureau to delete and remove the accounts with the amount of {$55000.00} From Toyota Financial the {$42000.00} from XXXX  XXXX XXXX and the XXXX XXXX of {$5900.00} that shows on personal credit profile. all does account are fraud base on the data breach from XXXX and XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. you have got to this document and police report since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Complaint Against PHH Mortgage for Violating Rights Under Negotiable Instrument Law and Other Federal Regulations PHH Mortgage Loan Number : XXXX Dear Consumer Financial Protection Bureau, I am filing this complaint regarding PHH Mortgage 's handling of my loan, specifically related to their disregard for applicable negotiable instrument laws, as outlined in the Texas Business & Commerce Code ( Section 3.104 ) and other federal statutes.

I have been in the process of learning about negotiable instruments and their lawful use, particularly in the context of my mortgage agreement with PHH. My intention has always been to follow the law and conduct myself appropriately in accordance with Texas statutes and the Uniform Commercial Code. Unfortunately, PHH Mortgage has not only failed to acknowledge my efforts but has also made accusations of fraud, frozen my account, and issued intimidating communications, all of which violate my right to an informed use of credit under 15 U.S.C. Chapter 41. 

I am not attempting to commit fraud. The steps Ive taken follow established laws governing negotiable instruments, including the use of promissory notes as valid instruments. These instruments are legally binding under Texas law, yet PHH Mortgage has failed to meet its fiduciary responsibilities about these transactions. Additionally, PHH has been benefiting from the instruments without proper disclosure to me, which constitutes a violation of fiduciary duty.

PHH Mortgages actionsthrough freezing my account and threatening mealso interfere with my rights under 15 U.S.C. Chapter 41, which ensures that I have the right to informed use of credit. Their aggressive tactics, which suggest I am engaging in fraudulent activities, are not only unfounded but constitute potential libel and slander. If this behavior continues, I intend to pursue legal action and hold them accountable for these violations. 

Furthermore, PHH is legally obligated to present the negotiable instruments I have endorsed and tendered for payment under Texas Business and Commerce Code, Section 3.501. They can not selectively disregard these laws. PHH Mortgages refusal to process these instruments and their failure to meet their legal obligations under federal and state law is why I am bringing this issue to the CFPB 's attention.

I am requesting an immediate review and resolution of PHH Mortgages conduct to ensure they comply with applicable negotiable instrument laws, the Texas Business & Commerce Code, and federal consumer credit regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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. THIS IS A FCRA VIOLATION OF : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 15 USC 1681E

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 2024-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Reached out multiple times to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is the address dictated on my credit profile via certified mail to have them on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> I've sent multiple letters in attempt to have the debt verified but have yet to reach out nor send responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: HI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT OF FEDERAL LAW SECTION 605B ALL FRAUDULENT DOING MUST BE REMOVE AND BLOCKED AS FRAUD. I HAVE ATTACHED MY FTC REPORT LISTING ALL THE FRAUD DONE IN MY NAME. PLEASE TAKE ACTION IN REMOVING THIS INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. I am requesting that the following accounts be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : 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 non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
We applied for a HELOC with Achieve. We reviewed all the applications and disclosures and there was no language on having an eminent domain on your deed would result in automatic denial of the HELOC. We were approved and when the loan got to underwriting, they noticed the eminent domain and was denied automatically. This is a company policy of Achieve. If there was a disclosure in the application process, we would have never applied and had a hard pull from our credit.

Company response to consumer: Closed with explanation