vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have been disputing these accounts for several years due to having my credentials stolen. I reported to the 3 credit bureaus and still, the account is affecting my credit. The other parties can't provide an agreement contract as evidence of those accounts which does not belong to me and I am asking the 3 departments to delete these accounts from my credit. I have been calling the 3 credit bureaus and they have not taken care of this matter. These are the accounts affecting my credit. Alleged Account 1.Nelnet - XXXX {$20000.00} 2. XXXX XXXX XXXX XXXX- {$1000.00} 3. XXXX XXXX XXXX XXXX- XXXX {$560.00} {$340.00} 4. XXXX XXXX XXXX- {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
I have repeatedly requested in writing that XXXX remove XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
I have repeatedly requested in writing that XXXX remove XXXXXXXX XXXX XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX Open XX/XX/year> They could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verifcation of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.

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 2024-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I've received conflicting and -- at times -- misleading information from my current mortgage provider ( PHH Mortgage ) ahead of a XXXX transfer to another loan provider ( XXXX XXXX  ). 

On XX/XX/XXXX, I received a formal notice of servicing transfer from my current mortgage group that stated all payments to them should cease on XX/XX/XXXX and any payments received after that would be forwarded to my new loan provider. On XX/XX/XXXX, I received a new mortgage statement from PHH for XXXX, saying I owed them for the XXXX payment and " If payment is received after XX/XX/XXXX, a {$100.00} late fee may be charged. '' When I called their customer service desk today, the automated system repeated this information. 

It was only after waiting to speak with a technician that I was assured 1 ) the second letter was an automated notice and can be disregarded, 2 ) I can prepay the XXXX balance to them, that's why they sent it out, and 3 ) any payments made to PHH for the XXXX balance would be noted and updated with XXXX. However, with this last case, there is no documentation of this provision anywhere on their website or the literature they provided to me. No where on either the notice of servicing transfer or the mortgage statement does it present this as an optional payment to PHH prior to XXXX XXXX  assuming my loan -- for this same quoted billing cycle. 

With respect to the other two items, I can understand the nature of automated messages but, since they admitted their system shows my mortgage transferring after XX/XX/XXXX, it feels incredibly dishonest to misrepresent on their automated forms and phone systems that this is a bill DUE ( not as an optional prepayment ) and is one with a financial penalty for late payment. 

Honestly, the whole experience feels like a scummy mortgage company that sends out misleading and false bills in an attempt to trick unsuspecting borrowers to make duplicative 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-28 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: NC

Complaint narrative:
I looked at my credit report on XX/XX/year> and notice that's some things we're incomplete and not reported accurately. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
I looked at my credit report on XX/XX/year> and notice that's some things we're incomplete and not reported accurately. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.

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 2024-08-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I saw on my credit report a soft inquiry dated XX/XX/year> by XXXX XXXX XXXX XXXX through a company called XXXX XXXX XXXX. When I called the legal dept of XXXX XXXX XXXX XXXX, they indicated that when I got a test done, I was required to sign a form allowing them to check my credit record. 

I don't remember signing something like this so I asked for a copy of the agreement I apparently signed. I haven't seen it yet, however. 

In addition, there would be no reason to have everyone who is undergoing a medical test to allow the medical system to look into my credit report. How do I stop this? I don't owe medical debt to this institution ( or any other ) and my health insurance pays for all my tests. 

This is the second time a medical institution has pulled a soft inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
On my credit report with Equifax. 
They are saying my student loan in XXXX XXXX dollars. But my two loans are {$2200.00} and {$2000.00}. Also, it says my loan was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCB/CARE CREDIT SYNCBXXXX XXXX SYNCB/ASHLEY HOMESTORE Debt Validation Request Account Number XXXX XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have no business with this company and I have disputed their debt multiple times and have had the dispute remove the debt on some credit reports because I have no business with them. They never contacted me nor tried to offer any options nor disclosed my right to dispute. Also they have been reporting this for over 7 years and refuse to remove it after 7 years. They just renew 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 2024-08-28 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I am writing to you once again, now for the seventh time, to beg for your help in removing unauthorized inquiries that continue to report on my credit file. I want to be very clear : I have no recollection of ever opening or authorizing these accounts. The presence of these inquiries is causing me significant stress and is unfairly damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Requested four CDs from XXXX totaling {$41000.00} be cashed. Wells Fargo is refusing me my money. I have contacted them three times at local branches. I have appealed their decision twice. I have contacted the Arizona Department of Revenue Unclaimed Property. They have stated that they have never received this money. I have full documentation. I quote the letter from Wells Fargo : " Per our deposit Agreement, CDs become dormant 34 months after first renewal. Since the certificates you presented renewed in XXXX and XXXX, the time to become dormant has passed. If you do not contact us about your dormant account or initiate an account-related activity within the time period specified by applicable state unclaimed property laws ( generally, three or five years ), Wells Fargo will close your account and deliver your account funds to that state ''. 
As I said, The State of Arizona does not have these funds. I have consulted an attorney who told me these CDs are totally valid. Please help me recover my inheritance from my mother. The Wells Fargo case number is : XXXX I can mail you documents but don't know how to put them into a file to send.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and unverifiable item on my XXXX, XXXX, and Trans Union credit report. The account in question is a charge-off reported by XXXX XXXX , with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within 30 days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and unverifiable item on my XXXX, Equifax, and XXXX XXXX credit report. The account in question is a charge-off reported by XXXX XXXX , with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within 30 days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

Company response to consumer: Closed with non-monetary relief