vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
FALSE INQUIRES LISTED ON CONSUMER REPORT ( NO ACCOUNTS ASSOCIATED FOR THE FRIVILOUS INQURIES ) -XXXX Miscellaneous Finance XX/XX/XXXX XXXX -BK OF AMER All Banks XX/XX/XXXX XXXX -BK OF AMER Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-03-27 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: ACRANET INC
State: IL

Complaint narrative:
FALSE INQUIRES LISTED ON CONSUMER REPORT ( NO ACCOUNTS ASSOCIATED FOR THE FRIVILOUS INQURIES ) -XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX -ACRANET - XX/XX/XXXX XXXX -ACRANET Mortgage Reporters XX/XX/XXXX XXXX -ACRANET-100 Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX -ACRANET - XX/XX/XXXX XXXX -ACRANET Mortgage Reporters XX/XX/XXXX XXXX -ACRANET-100 Credit Bureaus/Mortgage Processing XX/XX/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 2024-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: OR

Complaint narrative:
I have a home that my father put in his name due to a better interest rate. During the pandemic I tried repeatedly to either assume the mortgage or remodify the mortgage with XXXX XXXX. They kept refusing to work with me. 

After the foreclosure moratorium ended XXXX XXXX again started the Foreclosure process. I applied for the Homeowners assistance fund during the spring of XXXX and they were able to stop the foreclosure. I got through the whole process was approved and the housing partner sent me the mortgage documents to have notorized. The payment was essentially on the way. 

What actually happened is that XXXX XXXX right in the midst of the arrearages being paid sold my mortgage and the servicer changed. I was not contacted about it. I only found out because I got a new foreclosure notice in the mail XXXX of XXXX. 

During this time I kept checking with XXXX to see what was happening with my application and finally determined that Selene Finance was refusing to work with XXXX and acknowledge my ownership of the property even though I provided them with everything they needed to complete the process. 

Ultimately, because I was not getting anywhere with XXXX I file my own bankruptcy to stop the foreclosure sale of XX/XX/XXXX. 

Unfortunately, I am not an attorney so my case was dismissed for procedural issues. 

Now Selene is foreclosing again. They have since inflated the amount I owe to well over the XXXX cap of {$60000.00} so they said they won't help me. 

This is criminal what these people have done. I'm in such despair. I don't know where to turn. Please help. I feel you are my last hope to keep my family housed and safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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 dispatched a letter to the bureaus last XX/XX/XXXX requesting the removal of the listed items that are UNKNOWN to me. Today, I became aware of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal/blocking of any such accounts or information within 4 business days. This requirement was already outlined in my previous complaint and I am reiterating it here. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXXXXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XX/XX/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 2024-03-27 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 dispatched a letter to the bureaus last XX/XX/XXXX requesting the removal of the listed items that are UNKNOWN to me. Today, I became aware of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal/blocking of any such accounts or information within 4 business days. This requirement was already outlined in my previous complaint and I am reiterating it here. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} MB XXXX XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$450.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

AARGON COLLECTION AGENCY 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 2024-03-27 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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the continued presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 15th time I have brought this matter to your attention, and yet, it remains unresolved, which is unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a grave threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/2023.

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 2024-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
I had received a {$100.00} Vanilla Visa gift card for XXXX. I tried using the website to verify the balance/activate the card. The website said there was an error and I needed to call. I called Vanilla Visa customer service ( XX/XX/XXXX ) and they were unable to tell me any problems and we opened a case to escalate. Since that date of initial opening they have requested documentation to prove that this card was given to me and I provided them the documentation provided. Each time they extended the resolution date and stated they are still working on the unknown issue. I called on XX/XX/XXXX to get some type of resolution and they stated they are sending out a replacement card and I should keep an eye out in the mail. I received a card in the mail XX/XX/XXXX and I called to activate the card and the card they mailed holds a balance of {$0.00}. They sent me a card with no funds. I called customer service again to find out what is the issue and they said that are escalating the issue and I should possibly hear back from someone in 4-7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Out of nowhere synchrony bank closed all my accounts when I had very little balance and all payments were on time. This took XXXX grand off my total credit and sunk my credit score due to no fault of my own

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 2024-03-27 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: NY

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the continued presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 15th time I have brought this matter to your attention, and yet, it remains unresolved, which is unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a grave threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/2023.

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 2024-03-27 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: CA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-27 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone use my Identity to open a bank account, and I call the bank to close account, I tell them that person is not me, they said they will follow up, and they will email to me, but they didn't. And I call them again, they refuse to close the account. And I report to identityTheft.gov fewer weeks ago. Today, I found out the theft transfer money from my bank to this bank .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Formal Complaint Against SoFi for Violating Truth in Lending Act On XX/XX/2024 Dear [ CFPB ], I am writing to file a formal complaint against SoFi, regarding their denial and extension of credit to me, which I believe violates the Truth in Lending Act ( TILA ). As per Section 1691 of the TILA, it is unlawful for any creditor to discriminate against an applicant in any aspect of a credit transaction based on certain protected characteristics.Specifically, SoFi 's denial of my credit extension appears to be discriminatory based on the following grounds : Basis of Discrimination : SoFi 's denial of credit appears to be based on discriminatory factors such as [ Credit Worthiness. Violation of Applicant Rights : By denying my credit extension without a legitimate reason related to creditworthiness or financial capability, SoFi may be in violation of my rights under the TILA. I would like to request a thorough investigation into this matter to ensure compliance with the TILA. Additionally, I urge the CFPB to take appropriate actions against SoFi if they are found to have violated the law.Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX 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 2024-03-27 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: CA

Complaint narrative:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XXXX XXXX I contacted Midland credit management about a collection they would not give me any information then again on XX/XX/year> spoke to them again and the lady told me this debt was no longer with them and told me to call XXXX XXXX  they also could not give me any info and told me to call XXXX XXXX XXXX they guy told me the information on this debt was wrong and the acct is closed but on my report it said open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TN

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Dear sir, I have received a letter from your company branch addressed XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX with a research request form with my name and address were written already. Even though I do not like to send it back to this office, I feel to be forced to send it back since my name and address have been written by somebody not me. Honestly, as a victim of identity theft, who is not sure how, when, where, and by whom my identity was stolen, this sheet looks difficult to answer back. At least, I know XXXX bank credit card had some issues with illegal transactions and needed to replace my credit cards with this bank needed to be changed. Other two credit cards did not have issues, but I had many mistreatments and some mistakes by the credit companies. However, recently, I have found out there is some issues of misconducts of some employees on my banking accounts in the XXXX XXXX  XXXX, which are beyond my understanding ; therefore, I request your company investigate directly on the XXXX  XXXX XXXX. Also, XXXX Bank has some mysterious misconducts on the joint banking account. Therefore, if you suspect and need to investigate your company should do so to verify your quality of service, since another company in Arizona state has already sent me this information by mail. So, I request research on these my regular banking accounts on these two banks, the XXXX XXXX XXXX and XXXX. Also, I request to check my accounts of XXXX XXXX XXXX XXXX XXXX 
Sincerely,

Company response to consumer: Closed with explanation