vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Reported Addresses : XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX XXXX XXXX {$2100.00} XXXX  XXXX - opened XX/XX/XXXX, {$590.00} Collections : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$1.00}, XXXX XXXX XXXX XXXX - opened XX/XX/XXXX - {$800.00} XXXX XXXX Bankruptcy - Discharged-XXXX  XXXX, XXXX. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I recently became unemployed. In an effort to keep from missing a payment or defaulting on our mortgage loan I attempted to contact our loan servicer, NationStar LLC, dba Mr. Cooper, and am unable to contact anyone within the company. 
The phone number is just an endless phone tree that never gives you the option to speak with a person. 
The chat system online is also not working, I have screen shots of messages simply not going through. 
I received a letter from a loan specialist, but no direct contact number, only the main number, which again, does not work to get a hold of any one person, which the outgoing message admits. 
Unable to reach anyone at the company, I have now missed one payment and fear missing more. It is my understanding that NationStar was hacked last year, and is facing a class action lawsuit, and is no longer accepting phone calls or chat messages online. There is simply no one answering the phone to help me resolve this matter, and I suspect that this is deliberate.

I need help getting mortgage assistance and getting someone from NationStar LLC to call me back before I default on my loan. 
For your records, the following number is the ONLY number provided and you will see it is not functioning. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries were not initiated by me and I firmly believe they are fraudulent. I plead with you to conduct a comprehensive review and expeditiously erase them from my credit records. I have supplied corroborative materials for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
according to the FCRA I have Identified items on my report that are a result of identity theft these items are not related to any grand action by me nor any written consent from me I would like them removed immediately. 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MI, Address XXXX XXXX XXXX XXXX mi XXXX Address XXXX XXXX XXXX XXXX mi 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was enrolled in the hardship program with XXXX XXXX XXXX XXXX beginning in XXXX XXXX XXXX XXXXnd following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX XXXX  XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXXXXXX XXXX XXXXXXXX which shows payed before due date and posted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 did not authorize these inquiries and strongly suspect they are deceitful. I implore you to carry out a detailed investigation and promptly expunge them from my credit history. I have provided supporting documentation for your review.

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 2024-03-19 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: MOHELA
State: PR

Complaint narrative:
I received a copy of my consumer report and found the following account ( XXXX ) to be inaccurate and incomplete : I demanded XXXX and XXXX as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on XXXX and XXXX consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing XXXX are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the XXXX XXXX XXXX  and Privacy Act ( XXXX ) MOHELA XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by Mohela is damaging XXXX name. 
Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ) Use this XXXX to remove student loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
**Statement Regarding Unauthorized Reporting of Private Information** I am deeply concerned about the unauthorized reporting of my private information to credit bureaus by Bank of America XXXX This violation of my privacy rights undermines the integrity of my credit profile and contravenes regulations outlined in the Fair Credit Reporting Act ( FCRA ) and the Privacy of Consumer Financial Information ( Regulation P ). 

As outlined in the FCRA, consumer reporting agencies must only furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ( 15 U.S. Code 1681b ). Furthermore, Regulation P mandates that financial institutions provide notice to customers about their privacy policies and practices, including the conditions under which nonpublic personal information may be disclosed to third parties ( 12 CFR 1016.4 ). 

The unauthorized sharing of my personal information by Bank of America is unacceptable and must be rectified immediately. I hereby demand that Bank of America take prompt action to remove all unauthorized information from my credit report and cease any further unauthorized reporting of my private information. Failure to comply may result in further legal action to enforce my rights and seek appropriate remedies for any damages incurred. 

-- - Sincerely, 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 2024-03-20 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: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
On XX/XX/2023, Trans World Systems put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what shouldhavehappened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loans are fully covered under the XXXX XXXX XXXX  class action lawsuit. I am part of the automatic discharge group. My school Was closed down due to egregious fraud in advertisement, unethical behaviors and business practices. I have been paying on private loans taken out by my school from navient for over a decade as well. These loans I believe should be discharged as they are the exact same situation as my other federal loans- from a school and program that frauded its students into believing they were marketable at a certain level which they are not. I have reached out to navient and submitted my accepted borrowers defense application multiple times. They only continue to increase my payment, call and leave me voicemails about payment options and send me mailings about refinancing and payment options. I have continued to pay for these loans that should Be discharged, ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a XXXX XXXX  which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.

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 2024-03-19 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: AZ

Complaint narrative:
On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included XXXX. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a car accident which left car totaled. At the time I was XXXX month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my XXXX didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a XXXX XXXX which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-19 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: GA

Complaint narrative:
These inquiries were not initiated by me and I firmly believe they are fraudulent. I plead with you to conduct a comprehensive review and expeditiously erase them from my credit records. I have supplied corroborative materials 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Through Venmo I transferred? XXXX and XXXX in XXXX transactions on XXXX day. The funds were then transferred to a unauthorized account without our permission. Below is a picture of the XXXX XXXX account they were made to. 
Venmo has a phone number which just steers you back to their robotic question page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We wrote a check to our contractors wife. She deposited it into their company account at Chase bank. Check cleared our bank XX/XX/XXXX. Once funds cleared, they flagged the check as fraud, due to our contractor having an XXXX last name. We have gone into the bank branch of Chase bank to confirm, yes I wrote the check and yes these are the people I was writing the check for, so there's no fraud. That was the week of XX/XX/XXXX when we all became aware of the issue. We have spoken to the bank 5 or 6 times since always confirming that we wrote the check, but since my contractor has a XXXX last name, they are using every excuse to hold his funds, so he can't work on the job at our house. This is 100 % a discrimination issue, since there is no other explanation for holding the funds 30days more from the time everything has been confirmed. Every call I've receive has been to tell me that the investigation is continuing in the fraud case. There is no fraud case. It's a discrimination case against the bank that I would like to file. They keep saying it's fraud, but we've all gone in and testified that we write the check and it's who it's supposed to go to and we're well over 4 weeks and still they won't release the money. If this was turned around and we had XXXX XXXX of the banks money, would we have to pay interest on that money? XXXXldn't they have to pay interest?

I'd also like to either get my money back so I can give it to the contractor, or have the money released to the contractor so he can continue with the work. 
Please have someone call me so I can explain better. It literally is the worst way I've seen a XXXXXXXX XXXX XXXX, it's crazy what they are putting him through, as well as us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 explanation