vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-09 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: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft on my consumer 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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2024 I reach out to my bank to let them know I was going to XXXX and had made a payment for {$330.00} on XX/XX/2024 - I then made a payment {$1100.00} - To increase my available balance ahead of my trip. The phone call was made under my account and someone deleted the log of my conversation from the banker saying the credit should show in XXXX hours. ( XXXX XXXX  XX/XX/2024 ) - In addition, I called again on XX/XX/2024 - ( XXXX XXXX ) - The banker new person tells me there is a hold on my account it takes XXXX days to clear- but for you it will XXXX  days. My available credit as of today is still {$1100.00}. When it should be {$2100.00} - this particular banker could not state this as the other banker did on the deleted recorded phone call. I believe the bank is illegally holding on consumer funds longer than needed to for funny accounting purposes when extrapolated across millions of accounts. This is not the first time I have had issue with wellsfargo, but given the money has clearly been withdrawn from internal account. I can only assume some form of retaliation or courtesy is not being applied to my accounts. Wells Fargo is delaying the application of payment for XXXX  days and said this was automatically applied. My issue is on XX/XX/2024 when speaking to the banker he was clear in the need to have the available credit given I was traveling to XXXX on XXXX of XXXX. The case was escalated to a level XXXX employee and he informed me it takes XXXX days but would take XXXX  days for me. This is not at all the customer service experience needed given the bank can easily apply the payment given then statement shows received and only using XXXX  % of XXXX balance with available credit of {$1100.00}. Often times this happens I pay the full card off not realizing that they have received the payment for credit card balance. In addition, I pay my credit card off every month. Given the nature of international travel, deleted records, I am forced to file a complaint to elucidate the retention of customer cash assets to paid the banks ability to earn interest on funds that should be directly applied to my credit card in real time upon receipt. This is not complex but very fraudulent way to business retaining customer received funds and not applying them to the correct account. The funds have left the external payor account XX/XX/XXXX showing Electronic withdrawal XXXX XXXX. In addition, if XXXX is XXXX  why are my payments being held for XXXX  days when the documents show XXXX XXXX days. The bank could have released the payment to give me full access to my available credit.

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 2024-05-09 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: TN

Complaint narrative:
I submitted a complaint regarding negligent misrepresentation of the handling of my student loan. Nelnet has a bad reputation for non-disclosure and have also been involved in a data breach litigation as a result of unauthorized access to student loan borrowers ' personal information, including social security numbers. Nelnet has also failed to appropriately communicate with me about renewing XXXX XXXX XXXX XXXX. Each time, it was initiated by the consumer to learn more about it. 

The transfer from Great Lakes to Nelnet is part of an aquisition where NelNet agreed to purchase Great Lakes Educational Loan Services for {$150.00} XXXX. The holder of the promissory note is the holder in due course and is liable for the repayment of this alleged debt. Not the consumer. 

Great Lakes and Nelnet are in violation of breach of contract, negligence, false reporting, extorsion, for selling the contract and misrepresenting the facts of the matter. The CRA 's are in violation as well for not validating and verifying the account without proper account level documentation. 

Failure to follow procedures by the FCRA has brought great stress during my XXXX and I will sue for maximum amount allowed according to the laws that govern. 


Please delete this account from my credit profile. 

I demand relief in the amount of {$5000.00} USD and I am providing the parties involved the opportunity to cure. 
I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent letters and also filed ftc reports to XXXX, XXXX, and transunion. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX  XXXX XXXX- {$530.00} - XX/XX/year> XXXX XXXX- {$340.00} - XX/XX/year> XXXX  XXXX XXXX - {$500.00} - XX/XX/year> XXXX XXXX- {$6000.00} - XX/XX/year> XXXX XXXXXXXX - XXXX XXXX- {$520.00} - 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 non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
I have sent letters and also filed ftc reports to Experian, XXXX, and XXXX. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX  XXXX XXXX- {$530.00} - XX/XX/year> XXXX XXXX- {$340.00} - XX/XX/year> XXXX  XXXX XXXX - {$500.00} - XX/XX/year> XXXX XXXX- {$6000.00} - XX/XX/year> XXXX XXXX  - XXXX XXXX- {$520.00} - 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 non-monetary relief
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
Hey I Received an 1099 Form for the charged off accounts : Account XXXX XXXX XXXX Account number : XXXX  Account XXXX XXXX XXXX Account number : XXXX  from creditor an accounts was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off accounts must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year> an $ XXXX loan that was serviced by Shellpoint was paid off. I just discovered that they never recorded a XXXX. I have tried to contact them to get the XXXX, however the e-mail address on their website aXXXX XXXX XXXX XXXX XXXX XXXX ) is no longer valid and multiple attempts to call their customer service number ( XXXX ) have been unsuccessful because their system does not recognize the loan number, SS # or phone number and gives no option to speak with a customer service representative. I also called NewRez at XXXX, who purchased Shellpoint and had the same issue. Their system gave an option to speak with a customer service representative, but when chosen, it hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-05-09 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: VA

Complaint narrative:
This is related to my previous CFPB report : ID FOR COMPLAINT SENT TO EQUIFAX XXXX which was created last XX/XX/XXXX. 

I called Equifax to remove the fraud inquiries from my report. The supervisor told me that they would remove it and gave me this confirmation # XXXX. After checking, the hard inquiries were not removed! I called and their representative was so rude and asked me to resend my FTC which is absurb because XXXX removed the same fraud inquiries without this hassle. 

I am reattaching the documents again and please forward them to Equifax. I need your help to please remove them from my report ASAP! I am taking legal actions if this won't be resolved. 

FRAUD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

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 2024-05-09 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: CL Holdings LLC
State: LA

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-09 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: CA

Complaint narrative:
This account was closed on the following date : ( XXXX ). Since then, the account still current. This is an updated in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : 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 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
When we refinanced our mortgage loan with Mr. Cooper, on XX/XX/year>, the mortgage company failed to submit the " Satisfaction of Security Instrument '' to the office of the Register of Deeds of XXXX XXXX, XXXX XXXX  I have reached out to their customer service with no resolution and no one seems to know what department can assist. We need this document on file ASAP in order to move forward with the sale of our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
There are fraudulent inquiries 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 2024-05-09 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Good afternoon CFPB, How are you? For the past two and a half years, I have repeatedly requested Portfolio Recovery Associates , LLC to provide evidence that the debt they claim is mine. However, instead of providing the legal requested proof, they have only sent me threats and legal judgements. Enclosed is one of many lawsuit packet I have received, the most recent being dated XX/XX/XXXX. According to information on the CFPB 's website, Portfolio Recovery was instructed to pay {$24.00} XXXX for ongoing illegal debt collection practices and violations of consumer reporting regulations on XX/XX/XXXX. My simple request to Portfolio is to stop the threats and judgements and to remove the negative entries from all three credit bureaus- XXXX, XXXX , and XXXX . this will enable me to pursue small business loan opportunities to support both myself and my family. Thank you for your consideration and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I received a successful XXXX deposit of {$1200.00}. 
On XX/XX/year> I received a successful XXXX deposit of {$300.00}. 
Both from the same person. 

On XX/XX/year> I received an email from my bank Navy Federal, stating that a review of my account indicated potential suspicious activity. I called the number provided by Navy Federal and I was informed that my account was closed. 
I went to the branch the same day and received the funds in my account minus the XXXX XXXX deposits. 
I have been in contact with the sender of those deposits for the last XXXX days, and the funds have not been returned to him or myself. 

The sender did not report fraud and nor did I. Navy Federal refuses to release the funds to either party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation