vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: AL

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-06-18 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: DE

Complaint narrative:
Prior Investigation XXXX CFPB COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE you Equifax have violated me once again i pulled my credit report this week, and seen that you ( equifax ) have reported again charge offs, which is that has been discharged, and you did a tax write-off. 
These are again the accounts that are Charged off and hindering my financial health are listed below, 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 
Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. 
I have seen No action on your end Equifax of removing these accounts nor even responding to my CFPB complaint it has been more than 30 days. A considerably long time. I am seeking counsel in the matters of you violating my consumer rights including violated FCRA 15 USC 1681eb on top of commiting tax fraud Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Consumer ID- XXXX Date of Birth:XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Florida Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX Account # :. XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account : # XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your tremendous assistance Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our property tax office sent Shellpoint an escrow refund to them, even though they are not my mortgage company. There is no way to contact Shellpoint via phone or email. They don't recognize my account or phone number because they do not carry my loan. They did in XXXX. I am unable to get the refund that was sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation. 
Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX  days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. 
Collection Account # : XXXX, Collection Account # : XXXX, and Collection Account # : XXXX 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. 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 XXXX years. 15 U.S.C. 16815-2 ( 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. I request these accounts be deleted off 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 2024-06-18 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: TX

Complaint narrative:
I am the victim of identity theft. I have contacted this company letting them know that there is several fraudulent accounts on my credit report. I also let them know that my personal information is incorrect. I spoke the representative XXXX ID # XXXX on XX/XX/year> and she is refusing to transfer me to a supervisor and also telling me that the fraudulent information cant be blocked from my account until the investigation is complete even though I submitted my ID, FTC report, bill and social security card. She is telling me that I did not submit all the information on XX/XX/year> but I have emails and screenshots showing that the documents were submitted successfully. This company is violating my rights, and have been doing so for years. They try to stall out my disputes in hope that I will get discouraged and give up. I asked to speak to a higher tier and she left me on hold for 20 mins then a guy came on the line and told me they dont block information. She also stated I submitted information by mail on XXXX of 2024 but could not provide me any details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for inaccuracies and discrepancies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). 

Issue : My credit report has been improperly updated to reflect multiple instances of the same XXXX XXXX account, resulting in the display of triplicate accounts. Although XXXX of these duplicate entries have been deleted, one remains, which continues to inaccurately affect my credit report. Additionally, the account in question has been removed and reinserted without any fair warning or a Method of Verification ( MOV ) as requested and as mandated by the FCRA. 

Details : Multiple Entries : Initially, the XXXX XXXX account was being reported XXXX times on my credit report, each as a separate account. This was a clear error and misrepresentation of my actual credit history. 

Identical Balances : All XXXX  entries had the same account balance, indicating they were duplicates. 

Remaining Discrepancy : Despite the removal of XXXX of the duplicate entries, XXXX erroneous entry remains. Given the initial discrepancies, all three entries should have been removed to ensure complete accuracy. 

Reinsertion Without Notification : The account in question has been removed and reinserted into my credit report without providing me any fair warning or Method of Verification as requested. This action is in direct violation of the FCRA requirements. 

Violation of FCRA : According to the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and complete. The persistence of XXXX duplicate account for the same debt, the inconsistencies in the reported information, and the reinsertions without proper notification are direct violations of these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: NJ

Complaint narrative:
There's an account showing up on my credit which the name of it is kickoff a type of installment loan that has that is not my account I am the victim of identity theft I have disputed this put a report and I would like to know how was this reported that it was mine the name of the account is kickoff LLC the open date was XX/XX/year> it's reporting on XXXXXXXX XXXX XXXX XXXX I sent an information for them to return a result on how the investigation came about I never received any more information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I purchased a {$500.00} Vanilla visa gift card on XXXX XX/XX/XXXX. I tried to use it in numerous locations and it was blocked both in person and online. I contacted INCOMM about the problems and they created case XXXX on XX/XX/XXXX. They got the card was blocked for usage and that I would need to get a refund or replacement card. They asked me to send in documentation to their e-mail address ( XXXX ) of the purchase receipt and a picture of the card. I sent in all of the documentation on that same day XX/XX/XXXX. I never heard back. I contacted them at the end of on XX/XX/XXXX and mid XXXX via phone and both times they said that they could not find my e-mail even though I have an e-mail receipt from INCOMM stating that they received my e-mail and that they will get back to me. I'm asking for INCOMM to please process my claim and send me a refund check immediately. I have already been waiting XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
In XXXX XXXX XXXX, I reached out to Equifax by phone informing them of a fraudulent inquiry on my credit report. Equifax informed me that I needed to reach out to the company reporting the information in order to have it removed. I notified XXXX XXXX of the fraudulent inquiry listed on my credit report and this resulted in a investigation. After the finding that this was a fraudulent inquiry, they notified me by mail that the inquiry would be removed. This letter was sent to me over 30 days ago and the inquiry has still not been removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX I received a {$29.00} late fee from Bank of America on a past due balance of {$0.00}! I called their call center and they waived the {$29.00} fee, but I wanted to alert the CFPB that Bank of America is ignoring both the XXXX law on excessive fees and the new law imposing {$8.00} late fee limits. 

If there is a better way to make regulators aware of Bank of America 's illegal practices, please let me know.

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 monetary relief
Consumer complaint received 2024-06-18 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First Republic Bank/ Chase - I submitted a fraud claim and all the supporting documents ( Police reports and case # 's, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX contact info. I made multiple attempts in contacting First Republic 's Fraud Department both via email and telephone and all of my attempts went unanswered. After First Republic Bank merged with Chase Bank, I also attempted to contact this bank, my attempts with Chase Bank have also gone unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-18 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I write to express my deep concern regarding the unexplained denial of my access to PayPal. It has come to my attention that all my accounts have been permanently blocked without any discernible reason. In light of this development, I hereby demand concrete evidence to substantiate the decision to permanently ban me from utilizing XXXX of the largest and most prominent payment platforms in the world. I maintain my innocence and I am fully committed to vigorously fighting against these discriminatory, harmful accusations, and defamatory allegations. 

It is imperative that I receive a comprehensive account of the activities that were used to determine my permanent ban. I seek complete transparency in this matter, as it is my fundamental right to know the basis upon which such a severe restriction has been imposed on my usage of PayPal. I firmly believe that I have been wrongfully targeted and subjected to unfounded reproach. Therefore, I implore you to conduct a thorough investigation into this matter, providing me with all relevant information necessary to effectively challenge these allegations. 

I place my trust in PayPal as an esteemed and reputable institution to uphold the principles of fairness, transparency, and due process. I request that you afford me the opportunity to clear my name and restore my access to the invaluable services your platform provides. I eagerly anticipate your prompt response, which I hope will shed light on the circumstances surrounding this distressing situation. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Dept of Education is reporting a XXXX  day late payment on all of my accounts. There is not a XXXX  day late payment as the loans have been in deferrment and were also apart of covid 19 declaration. 

This is innacurate reporting as there are no XXXX or XXXX  day late payments there for its inaccurate to report a XXXX  day late payment again with loans being in defferment status

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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