vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C 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.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank issued a 1099C on XX/XX/XXXX in amount of {$2300.00}. On my credit file, they are listing balance as {$3800.00} as of XX/XX/XXXX. I requested they update the balance to {$0.00} since a 1099C was issued and needs to be filed with IRS but they are denying updating the info with all three credit bureaus.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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, 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 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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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 am writing to urgently request that you remove an account from my credit report. This account is causing me significant anxiety and stress, and it is affecting my ability to sleep. I have previously provided all the necessary documents to support my request for removal, and I implore you to take immediate action to remove this account from my credit report. I would greatly appreciate your urgent attention to this matter

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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
My identity was stolen about a year and a half ago. This case was closed after doing all of the reports and case filings. Today, I received an additional letter in the mail from a debt collector. This was for an energy company that I have never heard of. This is one of the same energy companies that had an account opened by fraudulent information on myself. I did not open the account and this account is opened for about {$2000.00}. I called the energy company and The debt collection agency. Both opened referrals and cases against this fraudulent account. The energy company told me to file a report here so that is what I am doing.

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 2023-05-01 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: TX

Complaint narrative:
On Friday, XX/XX/XXXX, I was informed in an email that all loans serviced by Nelnet would be automatically opted in to electronic notifications, and that if I did not wish for this to happen, I would need to opt out of paperless billing on XX/XX/XXXX. I went to the Nelnet website to opt-out and there were no options to opt out, but under the Manage Paperless tab there was an option to opt in.

I then went to the email which provided a link to the area to presumably opt out of paperless billing. However, this only took me to the Manage Paperless tab where I had the opportunity to opt in to paperless billing. 

I then emailed my concern to Nelnet. On the morning of XX/XX/XXXX, I received a reply thanking me for my email and saying it would be added to a database of suggestions to improve Nelnet services. In response, I once again searched the Nelnet web page ( including the Manage Paperless tab ) in order to opt-out of paperless billing, and once again the only option allowed me to opt in to paperless billing. 

Nelnet plans to implement this on XX/XX/XXXX. Their notice requirements fail to meet federal regulations, and thousands of borrowers who prefer paper statements will be opted in to Paperless Billing as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An account ending in XXXX on my credit report has aged out on my credit report by their own website it is 7 years old 5 months old and 14 days last I saw I have disputed several times, as well as spoke with 3 separate agents. It has already been removed by XXXX and XXXX. I feel Equifax is saying it will come off in XXXX of XXXX  but by then it will be 7 years 10 months. I am reaching out to you for help in having this account removed. 

A second account is incorrectly noted on my credit report that account ends with XXXX it states the edge of the account is 4 months and 13 days old, it should be 13 yrs and 4 months Seems credit reports are NOT getting updated correctly. I do not want to remove this account as was paid and in good standings and I do not want this account removed just updated correctly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I previously had a card with Goldman Sachs, it was an Apple Card., paid never late. I did not want to close it but was told that I would because I could not transfer the card to another Apple ID. SO I paid the card off as instructed and applied again. That was a week ago. The message thats I continue to receive is you identify has to be verified and an Apple Card XXXXpecialist will call you in 24 hours. It has been over a week. I called and spoke to a supervisor and he stated that someone would call me and that has not happened. I continue to call and receive no help. I just need some help with my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: OK

Complaint narrative:
I had student loans with XXXX in 2019, at some point the company changed to Mohela. My monthly payment changed from $ XXXX to $ XXXX. My payment changed in XXXX with no warning. I contacted the company and they told me there was nothing they could do about the payment amount and told me to find another lender to refinance with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 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 Delete these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XXXX  complaint # XXXX and below is the response from XXXX. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. XXXX is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was a victim of an unauthorized credit card charge of {$1400.00} on XX/XX/2023 but Wells Fargo bank will not deduct the charge from my credit card account. They denied my claim despite federal credit card protection law, The Fair Credit Billing Act. I have called them several times to remedy the situation but they have not removed the charge.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I informed Experian that my XXXX XXXX XXXX XXXX XXXX credit card credit limit was increased and requested that experian update their system to reflect the new credit limit. Experian instead erased the card from my credit report and my credit score dropped significantly. I contacted Experian and requested that the card be added to my account as open status as I made a payment and charged something in XX/XX/2023. Today I got yet another determination from Experian stating that the card is in closed status. I need it in open status as the card is still avtive.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
That creditor conducted this investigation without permission and without authorization! This needs to be taken out as soon as you can.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a new home for my family. Please remove the fraudulent accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank has made it quite difficult to make loan payments. First, there is no way to schedule regular withdrawal from another bank besides Fifth Third Bank. Therefore I have to schedule a payment for each month. This not not consistent with any other bank I've worked with in the past for my mortgages and increases the risks for people to miss a mortgage payment on accident. 

Second, the only way to contact the bank is by phone or in person. In the digital age, there should be a process to interact about banking by email or chat. This again increases the chances for people to miss payments or not address issues that could negatively affect them financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XX/XX/XXXX I have been reaching out to XXXX customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of XXXX representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations. 

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to Experian and Experian said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: OR

Complaint narrative:
I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX  and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax. 
i previously issued a complaint and Equifax said they fixed it, but nothing has changed and the problem still persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
I received 4 late mortgage payment charges in the last 12 months. My monthly mortgage statement says that if payment is received after the XXXX of the month I will be charged a late fee of {$36.00}. My mortgage payments are sent electronically from my bank ( XXXX XXXX Bill Pay service ). I never choose a date for delivery that can not be confirmed for delivery by bank and never choose a date past the XXXX of the month. My bank delivers payments electronically 1 day before scheduled payment date and issues a confirmation number. 

Of the 4 late fees in question, XXXX XXXX  has confirmed electronic delivery to Bethpage Mortgage Company no later than the XXXX of month of all 4 payments. 

If the late fee date is other than after the XXXX of month then mortgage statement should reflect it.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX 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 seven years. 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. 

The following inquires has also been opened up under my social security number fraudulently. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation