vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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 use 1681. 

XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost 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 explanation
Consumer complaint received 2024-07-09 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: MOHELA
State: NY

Complaint narrative:
I made my XXXX student loan payment and submitted my XXXX application on XX/XX/year>, checking the box requesting administrative forbearance. I submitted this both to Mohela as well as XXXX XXXX XXXX ( as they took over XXXX in XXXX ). XXXX has noted that I made XXXX payments, am in administrative forbearance, and am due for forgiveness this month. Mohela is still trying to bill me. They do not have me in forbearance-despite my request on the form and the fact XXXX has me in forbearance. They claimed I missed a payment in XXXX, but they never billed me, I was on autopay anyway, and they should not be attempting to collect payment while I am in forbearance. They have also attempted to bill me for XXXX. As the wait time when you call is 3-4 hours, I deleted my bank account information and am waiting for XXXX to hopefully process my application this month. I need Mohela to update their records to note I'm in forbearance and remove the claim that I have past due or currently due payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS EXPERIAN XXXX XXXX, I HAVE NO KNOWLEDGE OF 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
According to 1029.11 ( a ) When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums or through amounts otherwise owed to or held for the benefit of the consumer, ) the creditor shall : Credit the amount of the credit balance to the consumers account Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer.

Company hasnt credited 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
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was sent a letter from NEWREZ mortgage company saying I had a shortage in my flood ins. XX/XX/24 My mortgage was sold to them by XXXX XXXX with NO ESCROW. I pay my insurance directly through my Ins. broker, XXXX XXXX. 
All of my insurance is up to date. 
NEWREZ claimed I had to request the removal of escrow from my account even though they had my mortgage since XXXX of last year. All of my declaration pages list NEWREZ as the mortgage holder. 
They also asked for a handwritten letter to be emailed to them with the request XX/XX/24 I did and saved the email. I have started recording the conversations with them I am being given the run around and the whole thing smells. 
they are wanting a normal mortgage payment including the " shortage '' for XXXX I drafted a payment of my normal payment without the shortage because I do NOT OWE them any ins. money They are still expecting another whole payment including the shortage for XXXX I have taken a picture of the screen for their website online showing two both payments expected for XXXX. 

I think they are trying to establish late fees, and an attempt to ruin my credit over {$530.00} I also spoke to the Insurance company directly and recorded that conversation and they said they show no shortage or request for any money for the policy. 
I am not the only person having issues with NEWREZ, XXXX and other social media platforms describe terrible stories involving this company. 

What kind of attorney do I need to pursue legal options for a possible class action case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have filed a couple of Claims with Wells Fargo. 

XXXX {$63.00} XXXX {$55.00} XXXX {$200.00} XXXX {$44.00} 2 of these claims I believe were from XXXX. XXXX order didn't show, the other was missing items and had spoiled food. 

the XXXX, I requested a refund from the online store as they stated they couldn't customize the tint after there was a customization box. I sent over 20 emails, they stopped responding 11 days ago. They only sent me 2 responses. 

The last one was XXXX, I got expired XXXX. 

Both XXXX XXXX XXXX told me to dispute it with my finanicial institution. 
The XXXX i'm getting no assistance from them or wells fargo. 

Wells Fargo closed my claims without asking for any information besides when I filed them. 

I filed a XXXX  complaint, they called me yesterday stating that they would take about a week to go over the information. They called me today saying that there was no resolution and the decision was final. I have mental health issues and I have a problem with arguing/disagreements. I feel discriminated against for that reason and that the fact that they didn't do any work on my claims at all. 

I just recently filed bankruptcy and I had over XXXX cards, I went down to my bank debit card from all those cards so it would make sense why I have an influx of claims. 

Please assist me. 


Also, I recently also had a couple claims closed before that, I want my recent claims to be reevaluated. I've been with Wells Fargo for many years and I don't appreciate the disrespect and lack of empathy, customer service given.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the inquiries which should be off from 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

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 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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the inquiries which should be off from 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
THIS Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. Also your agency needs a license to collect debt in the state of ( NORTH CAROLINA ) I would like your agency to show me proof of licensing to collect a debt if this cant be shown, I want this taken of my consumer report immediately.

Also the Collection Agencies have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
A company called " NETCREDIT '' is reportign a inaccurate and fradulent past due amount on my credit report. The company has the account status as " '' Charged off ''. The date of last activity is incorrect and the date opened is also reporting inaccurate along with the payment amount. This is a violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX called Shellpoint mortgage telling them my financial issues I am having right now I got laid off and having issues with unemployment and mortgage assistance I spoke with a XXXX and a XXXX both said my mortgage needs to be 3 months behind before I can get assistance I am trying to avoid this my mortgage right now is current and neither acted a bit concerned I thought that was the most stupid answer to receive concerning your mortgage. 
My mortgage was originally with XXXX who said apply there wouldnt be a problem. 
I want this rectified and get the assistance I need when I look a Shellpoint website it even tells you apply for assistance so your mortgage does not fall behind

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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