vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
I disputed this account over the phone with Equifax around two weeks ago and informed the agent I spoke with that I needed an authorized user taken off of my XXXX XXXX XXXX, XXXX account. I called to do this because the authorized user on the account ( my younger brother XXXX XXXX ) disputed this himself online to remove. They denied his dispute saying the account belonged to him. Same as with XXXX. They both said I would have to remove him myself. So I called both, first XXXX told me I had to remove him with the original creditor, which I did. XXXX has removed him from the account. I called back XXXX and they removed him from the report. Called Equifax and they said they would do the same. Now yesterday, XXXX XXXX my brother who lives with me received a letter in the mail from Equifax. Denying the request to remove him from the account AGAIN! So I just called Equifax and the agent was not really helpful, she could not understand that I took my brother off the account and they need to remove him. She spoke English very well but did not seem to comprehend it as much. So I hung up and am just handling it on the CFPB. 
Remove XXXX XXXX as an authorized user on my XXXX account and remove it from his credit report immediately. The original creditor has removed him already, you would have seen that if you did your due diligence and actually investigated the account as XXXX did. Which is weird, don't you both use the same databases? That's besides the point, remove him from the account. You should have removed him when I called and asked you to, he's an authorized user with no accountability for the account. You are a credit agency you should know this better than I do, I can't believe this has gone on this long. Call XXXX for your verification that you still have not done but lied and said you did. They will have no record of him on the account. Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Subject : Urgent Review and Correction of My Borrower Defense Discharge Case Dear Nelnet Team, I am writing to request an immediate and thorough review of the handling and reporting of my federal student loans associated with XXXX XXXX, now part of the XXXX XXXX XXXX XXXX XXXXXXXX. This is in light of ongoing issues despite clear directives and findings from the Consumer Financial Protection Bureau ( CFPB ) and the Department of Education. 

Background and Previous Correspondence : As per the information from my Nelnet account and prior communications, my loans for the period enrolled at XXXX XXXX  from XX/XX/XXXX, to XX/XX/XXXX, were discharged on XX/XX/XXXX. However, there have been significant discrepancies in how these discharges have been processed and reported to credit agencies. 

CFPB and FTC Involvement : The complications have led me to file complaints with both the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ) and the Federal Trade Commission XXXX FTC Report XXXX XXXX ). Both agencies have been informed of the lack of action from Nelnet and the major credit XXXX, XXXX, and XXXX accurately updating the discharge status of these loans. 

Department of Education 's Findings : The Biden-Harris Administration approved significant borrower defense discharges for students of XXXX XXXX  due to deceptive practices by the institution. This was based on evidence provided by the California Department of Justice during a successful lawsuit against XXXX and its parent company, XXXX, highlighting extensive misrepresentations made to students ( Department of Education, Press Release dated XX/XX/XXXX ). 

Request for Action : Given the documented malpractices by XXXX XXXX  and the subsequent legal findings, I urge Nelnet to : Re-evaluate the handling of my borrower defense discharge to ensure all related loans are properly discharged.

Correct any inaccuracies in the reporting of these discharges to credit agencies.

Provide documentation and confirmation that these corrections have been made.

Conclusion : The resolution of this matter is crucial not only for rectifying my credit records but also for upholding the integrity of federal student aid programs. I expect a prompt response and action on this matter, ensuring compliance with federal regulations and justice for the affected borrowers.

Thank you for your attention to this urgent issue. I look forward to your swift and decisive action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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 want the company to remove the fraudulent inquiries in my credit 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 2024-05-21 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: TX

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I used my Capital One credit card to purchase services from a merchant for {$1000.00}. 
I was then told by him that the account was not able to accept payments and he issued me a refund for {$1000.00}. 
I then paid him the entire amount by check. 
I contacted Capital One on XX/XX/XXXX and questioned if they could stop the payment for the {$1000.00} and I was told to wait until it was posted and then file a dispute. I sent copies of the invoice, the pending refund and the check. 
On XX/XX/XXXX, the amount was posted to my account and I contacted Capital one and started a dispute. 
On XXXX I received a letter from Capital One stating the dispute was closed because the " merchant confirmed that no other payment was received for the purchase ''. I then contacted Capital one by phone and questioned what information they needed. I was told they could not accept the check and I needed to send the front/back of the cancelled check. I then sent this to them on XX/XX/XXXX. 
I contacted them by phone that day and I was told that my account would be reviewed. 
XXXX XX/XX/XXXX I received a letter stating my dispute was denied because my information " lacks all the requested information to validate my claim. I then questioned what information they needed and I was told to get a " valid credit receipt ''. 
On XX/XX/XXXX I contacted the merchant and we had a 3 way call with XXXXXXXX XXXX. I was told that they could not do a refund because of the dispute and they could not issue a refund until XX/XX/XXXX. They also stated that the initial refund was rejected by Capital One on XX/XX/XXXX and he sent a document to validate this. I have sent this additional information to Capital One on XX/XX/XXXX. 
I would be happy to send any other information that I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 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: NY

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-21 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: IL

Complaint narrative:
I am writing to dispute inaccurate late payment entries on my credit report, which are negatively affecting my credit score and creditworthiness. 

These inaccuracies are unjustly damaging my credit score and creditworthiness, impacting my ability to obtain credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been in touch with the loss draft mitigation dept. I had water damage to the home and check was written with Shellpoints name. The company refuses to release the check to me. Inspection was done XX/XX/XXXX. All repairs were 100 % complete prior to that date, pictures were taken, and they now claim that they didn't have access to a bedroom and playroom. The inspector had access to the entire house, however there was no damage to a bedroom and playroom so probably that's why she didn't take pictures of that area. The inspection claimed 50 % repairs, but 100 % was already done prior to her visit and the contractor signed off on waiver of lien. How do I get my money that I already paid out of pocket to the contractor?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX 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 explanation
Consumer complaint received 2024-05-21 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 am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX XXXX ( XXXX XXXX XXXX ) account XXXX. This account does not belong to me and is not being reported by XXXX or XXXX, yet it appears on my Equifax credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX XXXXXXXX XXXX, report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: NY

Complaint narrative:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items 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 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was sent a letter saying I owed a medical debt from a company called Radius Global solutions. The paper list a non working website to dispute the bill. I called the company and was immediately transfer to a supervisor to immediate me. I told them I want to dispute this and would not allow me to dispute by calling. When I asked for proof I owed around XXXX. I get a letter from them a few days later and says they change it to around XXXX. And I need to pay XXXX to settle. I still don't have proof if this is a scam or if the debt is mine. This call was placed to them on XX/XX/XXXX at 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 2024-05-21 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: CA

Complaint narrative:
XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only their " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The XXXX states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need remove all attempts to collect and stop publishing this account with derogatory marks on my credit report. Furthermore I want a forensic audit of the entire accout showing XXXX XXXX is not attempting to collect on an account that is already paid & written off.

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