vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am the one generating this statement. Per the Fair Credit Reporting Act these listed accounts should not be furnished on my consumer report as they violate 15 US code 1681-B the permissible purpose of a consumer report in general subject to subsection C any consumer reporting you see me furnish a consumer report under the following circumstances and no other ; 2 - by the written instruction of the consumer to whom it relates. I never gave these listed companies my written instruction to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly per 15 USC 1681-4 consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2024-01-18 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: NY

Complaint narrative:
XXXX XXXX provided payoff statement on XX/XX/XXXX and it was good and effective until XX/XX/XXXX. I closed on my house on XX/XX/XXXX and on XX/XX/XXXX title company wired the total payoff amount to XXXX XXXX. XXXX XXXX returned the wire and stated an amount was missing. I was notified by my attorney on XX/XX/XXXX and was told to get a check with the missing amount. I called XXXX and asked what was missing due to the amount wired being the payoff they provided on XX/XX/XXXX. XXXX stated they didnt include the taxes and made an addendum to the payoff on XX/XX/XXXX. I was informed of this by my attorney on XX/XX/XXXX. I did not receive a phone call or message from XXXX about this addendum. XXXX states they sent an email on XX/XX/XXXX. I did not receive an email on this manner. I provided the attorney the missing amount on XX/XX/XXXX which was the day I was notified. Me credit score went down XXXX points due to XXXX changing my status to delinquent over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a severe brutal case of identity theft. I lost all email access to my email accounts. Being. Locked out repeatedly 30 days at a time. I would have never stopped working on my right to privacy and fair business practices and my rights to equal opportunity. Which have all been violated. I have no correspondence from Wells Fargo that I have two accounts that are open for criminal activity. Had I not initiated the investigation to correct my information by visiting a Wells Fargo branch in XXXX Georgia. On XXXX XXXX I visited a Wells Fargo branch in person to find out there are accounts with my daughter social security number and my name and birthdate and address. All the while I was never made aware that there were any suspicious activity going on for years. All while denial of applications and deceptively adding on unauthorized fraud XXXX product, XXXX XXXX  to cause me to end up loosing my vehicle and everything I worked hard for to end up with nothing. Its XX/XX/XXXX XXXX I wonder why and how long I can be judged based on identity fraud impersonation to go unquestioned?!?!? The case investigation is attached. Also, its really disturbing to be denied my rights to privacy and no platform to protect the customers. I dont know if I can trust that Wells Fargo will do the right thing! Im XXXX XXXX  and I dont want to bring XXXX into this but I cant be dishonest about my rights are being violated because of my XXXX  There is no other explanation for this behavior and its being ignored.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my fourth time writing you to update my person information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses, please delete these outdated addresses 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 and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : 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 2024-01-18 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MI

Complaint narrative:
I XXXX XXXX, have contacted XXXX XXXX XXXX XXXX online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. XXXX XXXX XXXX XXXXXXXX has failed to provide me with any form of account validation that I have requested in my certified letter to them. 

I spoke with XXXX XXXX ( original creditor ) on XXXX XXXX XXXX 
Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with XXXX XXXXXXXX XXXX XXXXXXXX XXXX anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with 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 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
This account has already been closed yet it is still showing up on my account. XXXX already updated this information as closed. I have pics I will send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX requested to perform an escrow analysis on my home mortgage. This took place via telephone call with the mortgage servicer Representative a Mr. Cooper, which operates under Nationstar Mortgages, LLC ). The representative stated a a result of the escrow evaluation the monthly escrow would be reduced from {$760.00} to $ XXXXBased un this conversation the change in the monthly payment would take effect XXXX. I received an invoice dated XXXX XXXX, XXXX with the old amount of escrow and due date of XXXX, XXXX XXXX. This was followed by another invoice dated XXXX XXXX, XXXX with the revised escrow commencing on XXXX XXXX, XXXX. Note there is over {$1000.00} in escrow account. I have tried contacting Mr. Cooper on 15 occasions but have yet to speak with a customer representative .This organization has set up an automated call response system which takes you in circles. On XXXX, XXXX I was able to speak with a representative by selecting a mortgage refinance option. This individual could not help me and stated the department that could was not available. In addition to the escrow issue I received a letter dated XXXX XXXX, XXXX informing me of a Data Breach and that some of my personal may have been hacked on XXXX XXXX, XXXX and I should contact a third party to determine if my identity has be compromised. I find this a complete dereliction of fiduciary responsibility and could this be why there is no representatives available to take phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-01-18 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: TX

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX. Deposited a cashiers check A hold was put on. 
XXXX XXXX. Spoke to credit union manager she spoke to Chase funds to be released XXXX XXXX Funds not released XXXX XXXX continued to call chase no funds XXXX XXXX credit union verified check was paid XX/XX/XXXX????? 
No one at Chase could tell me where my money was????? 
Ive been with Chase XXXX NEVER have I been XXXX  around like this.it only takes XXXX bad time to make someone rethink their banking needs.they continuously said I was being recorded bring out those tapes!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet is my student loan servicer and I currently have {$190000.00} of student loans. This will continue to increase as I complete my XXXX XXXX. 

I first submitted my application to update my income-driven repayment plan to SAVE on XX/XX/XXXX. To my confusion, there's nowhere in the application to explicitly choose the SAVE plan. However, I clicked " please choose the cheapest plan ''. I called Nelnet multiple times to ensure I'd be placed on the SAVE plan and was always left on hold for hours. Since I am a student with responsibilities, I couldn't wait on hold each time. The final time I finally got in contact with Nelnet, I had been on hold for over 4 hours. However, they did confirm they would switch me to the SAVE plan. My application was finally processed on XX/XX/XXXX ( almost 2 months after submission ). I was approved for an updated IDR plan, but much to my dismay it was NOT the SAVE plan. 

I re-applied to change my IDR plan to SAVE on XX/XX/XXXX. Once again, there was no option to click specifically for the SAVE plan and I had to leave it up to Nelnet. I called and waited on hold for hours again, and was again promised I'd be put on the SAVE plan. They also mentioned lower error rates with paper applications, and sent one in the mail. I received ( but never submitted ) the paper application- this paper application ALSO did not have an option to specifically request the SAVE plan. I was re-approved for an updated IDR on XX/XX/XXXX and was AGAIN devasted to see that I am still not on the SAVE plan. 

I feel HOPELESS. My current monthly interest expense is around {$1200.00}, which would be forgiven under the SAVE plan due to my income ( {$0.00} income as a student ). This interest expense will only continue to grow as interest accrues, both from taking out more debt to complete my degree and the compounding interest effect. The current expense is already {$1200.00} - more than many families pay for rent every month. An absurd amount that it being added to my debt every single month that Nelnet avoids their responsibility of putting me on the SAVE plan. 

Please, please, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
The company gave me an XXXX  notice to vacate property for none payment of lease while I was in XXXX Two weeks later I was XXXX and they had sold my property I called the clerk of courts and no forcloser had been done I requested that they send me all paperwork related to it and they stated they dont have to send me anything because I have a care taker and this is not correct Im in the process of getting a civil lawyer to handle all legal paperwork to get this matter resolved and they want send me any paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
XXXX following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my 3rd time sending this complaint they said that my ID was not clear i need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: 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 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 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 2024-01-18 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: 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 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 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello I am authorizing this complaint on my behalf .Cant believe you guys are taking advantage of me. I am very upset with Experian have not responded back to me about my investigation. I sent a letter to them and its been more than 60 days. I need the accounts deleted or updated .These are the items I am demanding to be deleted 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 2024-01-18 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: TX

Complaint narrative:
I never open any credit card on my name. Never I request a credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I never open any credit card on my name. Never I request a credit cards.

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 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
never received a notification on this, i have never heard of this company and now is showing on my credit report I have made several attempts to inform XXXX and Transunion that the following account report is inaccurately on my credit file. I have not received sufficient verified documentation regarding this account and they haven't done their job of verifying if this account belongs to me.

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