vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Village Capital & Investment LLC
State: MI

Complaint narrative:
In accordance with the fair credit report act this creditor has violated my rights. ( XXXX XXXX ). Under 15USC 81 1681 sec 602, states that I have the right to privacy. Section 15USC sec 81 604a sec 2 also states. A consumer agency can't furnished an account without my written instructions under 15USC 1666B a creditor may not treat a credit card payment open an under consume a credit plan for late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hey im XXXX XXXX XXXX yrs old very much need help tried to talk to chase an they said the claims the department filed to close it but the reason is my phone got stolen an couple apps you can just get into phone was already unlocked an the couple apps the person who stole my phone went on happened to use it so i called the claims to get it back was not me i had to call from a new number had to end up ordering new phone if you can please help i love chase alot dont use know other bank besides chase i had to end up getting new phone was no way of me tracking it because it would be off at times an after they did the transactions i didnt do they reset the phone so i couldnt use find my iphone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: OR

Complaint narrative:
I previously filed a complaint against Grain due to them not allowing me to update my checking account so I could pay my account. I was able to add my new account and brought my account current. However, the company continues to report to credit companies that I am not current, in addition, today when I logged in to confirm my recent payment had posted my account is showing as charged off. The company never notified me that they were charging off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: ME

Complaint narrative:
I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this crooked debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX 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 if 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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. 

1.XXXX  XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3. Department of EducationXXXX 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 if 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against 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 non-monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to the FCRA, it is EQUIFAX 's grave duty and responsibility to report CORRECT and ACCURATE information on my credit report and file. However, they are not doing so. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include the report of 120+ days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is INCORRECT and is supposed to be reporting PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in the EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate has caused me and my reputation severe hard and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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. 

1.XXXX  XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3. Department of EducationXXXX 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 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have an account with XXXX, which was paid as agreed. I closed my checking due to a fraud issue and had to file a complaint to get the company to allow me to update my bank account so I could pay my payments. This resulted in me being late. I made payments and updated my account which is now current, however, on my credit reports it shows as late with no payments. In addition when I logged in today my account shows as charged off. Im paying the debt and I was never informed my account was closed or charged 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2023 Equifax Re : Method of verfication To whom it may concern, I am requesting the Method of Verification for the disputed accounts below : XXXX & XXXX -Name of original creditor -Creditors address and telephone number -Documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts off my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Ive received the following notice from WELLS FARGO : Your real estate taxes still need to be paid Pay your past-due taxes by XX/XX/XXXX to avoid an increase to your mortgage payment Dear XXXX XXXX XXXX Were reaching out because your real estate taxes still need to be paid.

1. If they remain unpaid, we may pay them on your behalf to prevent a lien on your property and possible loss of ownership through a tax sale.

2. Youll need to repay us for any taxes we pay on your behalf.

3. If we pay your taxes, we may set up an escrow account to collect for future tax bills. That escrow account can not be removed once it has been added and will increase your monthly payment. 
If you have not yet paid your taxes, make the payment to your taxing authority by XX/XX/XXXX. If someone else is responsible for paying your taxes, like a condominium association, let them know about the past-due payment right away. 
Note : Youll also receive a letter from us about this in the mail. 
If you have any questions or need further assistance, please contact us at the number below. 
XXXX XXXX XXXX Department Ive called them twice ( XX/XX/XXXX & XX/XX/XXXX ) advising that I dont owe any taxes. 
Asked them for details - they failed to answer any questions concerning the above notice. 
Send Wells Fargo ( XX/XX/XXXX ) the following response from the managing agent who collects my condo taxes : Dear XXXX, Your taxes are paid through the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards, XXXX XXXX XXXX Portfolio XXXX the XXXX XXXX XXXX XXXX, and we get payment in lieu of the taxes. I am copying XXXX XXXX from the XXXX on this email to address this issue. 

XXXX, The mortgagee ( Wellsfargo Bank ) for unit XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) sent letter below citing for possible lien on the unit and increase in the mortgage amount due to unpaid taxes. Please advise how this will be resolved as soon as possible. Can you write a letter to them to address this please so that they know that the mortgagor is not in fault? Explaining what the PILOT is vs taxes? 

Best Regards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX XXXX XXXX Fax ( XXXX ) XXXX Email : 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have paid XXXX XXXX and it continues to show as late and does not reflect payments made. Please update this to reflect accurate status.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I've sent Nelnet written instructions on how to apply additional payment amounts ( i.e., apply my additional funds to principal only ) and they continue to ignore my instructions. They reply with a canned response and state they will apply additional funds to interest first. I sent them communications on XX/XX/XXXX and XX/XX/XXXX. It is unacceptable and violates my rights. Below is what they send in their canned response to my written instructions : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then accrued interest, and finally to principal. If your account is on an Income Driven Repayment plan, your payment will be applied to accrued interest first, then fees ( if applicable ), and then to principal. Once any outstanding and accrued interest has been fully satisfied, any additional amount received is automatically applied to principal. 
If you pay more than your current amount due : Any payment amount higher than the current amount due will be allocated across loans in repayment status with the highest interest rate. * Once the loans in repayment status with the highest interest rate are satisfied, any remaining payment amount will be allocated across the loans with the next highest interest rate. 
If none of your loans are in repayment status, payments are first allocated to outstanding fees ( if applicable ) and then to interest beginning with loans with the highest interest rate. Once all outstanding fees ( if applicable ) and interest have been paid on the loans not in repayment status, remaining payments will be allocated across unsubsidized loans and then subsidized loans beginning with loans that have the highest interest rates.

*If two or more loans in repayment status have the highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount.

Also, when you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. Because your excess payment will continue to be applied to the loan group with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ''

Company response to consumer: Closed with explanation