vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute the information on my credit report related to the following accounts : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : XXXX XXXX XXXX The late reporting on these accounts is inaccurate as they have been deferred due to my continued enrollment in school. Furthermore, there appears to be a major error in reporting 90-120 days late without first posting 30 days late. I request that you verify all information for accuracy, including the completeness of name spelling and address of record. Additionally, I request the removal of late dates and an update to the negative status of these accounts. I must bring to your attention that XXXX has already removed the late dates and updated the negative status of these accounts from their records, acknowledging the error present.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/24, I called Experian and initiated a dispute over the phone with a representative about inaccuracies on the personal information section of my report pertaining to my name and address. I pointed out inaccuracies shown on the report in the various name variations that they had on file for me and asked them to delete them all and just leave the correct one which is XXXX XXXX XXXX. I also disputed XXXX incorrect addresses that they had on file for me for XXXX, XXXX  and asked them to delete those XXXX because they were incorrect and to just keep my current mailing address that is listed on file which is XXXX XXXX XXXX, XXXX, XXXX XXXX. Well I got the results back from this dispute within a few hours and they have completely butchered my name intentionally XXXX different times on my credit report. Instead of deleting this inaccurate information and leaving the correct XXXX as I described above they updated all XXXX to reflect the following variations XXXX XXXX XXXX XXXX XXXX DIFFERENT TIMES! 

Also instead of deleting the XXXX inaccurate and out of date addresses listed that I requested to be deleted they still remain as follows : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2024-01-05 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: IN

Complaint narrative:
XXXX and XXXX had removed XXXX XXXX XXXX XXXX from my credit report. Experian is currently still reporting on my credit report as of XX/XX/2024. Ive attempted multiple times to have it removed, but Experian claims accurate reporting.

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 2024-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
In XXXX, I applied for an income-driven repayment plan with Nelnet, expecting to receive updates and correspondence regarding the application 's status. However, despite waiting for a significant period, I received no communication from Nelnet about whether my application was approved, required additional information, or was even being processed. 

To my surprise and concern, I later discovered that my student loan account had been transferred to another loan servicing agency ( PHEAA ) without any prior notice or explanation from Nelnet. I was not informed of this transfer, nor was I provided with any details regarding the new agency, how to contact them, or how this would affect my income-driven repayment plan application. 

This lack of communication and transparency has left me in a state of confusion and concern about the status of my loan and repayment plan. I am uncertain about whom to contact regarding my application, and I am worried that this transfer might have affected the processing or approval of my income-driven repayment plan. 

I believe that as a borrower, I am entitled to clear and timely communication about significant changes to my loan servicing and the status of my repayment plan application. The absence of this essential information has caused unnecessary stress and uncertainty. I request that this matter be looked into promptly and that I be provided with comprehensive information regarding the status of my income-driven repayment plan application and the details of my new loan servicer. Furthermore, I would appreciate an explanation for the lack of communication and steps taken to ensure this does not happen to other borrowers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
WE were denied mortgage assistance / loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G -  VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NV

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX Inquired on XX/XX/XXXX 2023

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 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am the co-borrower on a joint consolidation loan. My ex-wife and I are part of a group of people affected by the Joint Consolidation Loan Separation Act. We have filed our paperwork for intent to separate our consolidated loans as soon as this becomes available. In the meantime, we'd like to take advantage of the administrative forbearance until the law is fully implemented. We had a previous forbearance with Nelnet but it expired. Not sure why. We've contacted Nelnet about it and they said we should contact the XXXX and the ombudsman group. We're tired of getting bounced around and we're hoping you can help. Please advise. Any help appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$86.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$2200.00} 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
Consumer complaint received 2024-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I reviewed my consumer reports and noticed that i had a late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. Also this was around XXXX XX/XX/2020 we according to capital one I got a pass because I wasnt fully working that month because of Covid If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested early termination of a CD with Citibank so that I could use funds to cover a down payment on a home. Citi told me that to wire funds to the down payment bank, I would need to close the Citi CD, pay the ( over {$500.00} ) penalty, and roll the funds into a new citi savings account before I could wire from the new Citi savings acct to my down payment bank. They told me it would be no problem to wire the funds from the new savings account to the down payment bank. So, I paid the penalty and the funds rolled in to citi savings. Over the next week I have experienced multiple roadblocks to wiring my money out of the account. XXXX  they said I needed a debit card associated with the account and I had to wait for them to mail a card. Next, I couldnt wire the funds because I didnt have a PIN and had to spend hours on the phone with them setting up a pin. Next I couldnt wire the funds because they had placed a security hold on the account and the security department is gone for the day, call back tomorrow. I have yet to get access to my funds and have had to take other costly steps to fund my down payment. If I had known that citi would be so incompetent and/or purposefully slow in giving me access to my own money I would not have redeemed the CD and paid the huge penalty. This seems like a bait and switch, where citi collects their penalty and then holds on to my money as long as possible. Please help me access my own money and get a refund of the CD cancellation penalty.

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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax are reporting accounts that do not belong to me on my credit. The accounts belong to someone else. I do not have an account with the following : XXXX XXXX XXXX XXXX. Also, Equifax is showing incorrect information for my DEPT OF EDUCATION/XXXX  student loans. Student loans can not go in bankruptcy nor are they included in bankruptcy and I have never been late on any of my student loans. The student loans has always been in deferment with no late pays. Also when president XXXX put our student loans on deferment they were never late before then. SENSIBLE AUTO LEASING IS NOT MY LOAN! XXXX XXXX XXXX IS IN BANKRUPTCY BOTH LOANS AND I AM NOT THE PRIMARY OWNER FOR THESE LOANS REMOVE THEM FROM MY CREDIT! 
Under the doctrine Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted EQUIFAX on a matter that pertains to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: CT

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

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.

According to 15 USC 1681i ( 5 ) Section States no 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. they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-05 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXXXXXX XXXX ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief