vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. XXXX XXXX reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you seven dollars they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I had XXXX in XX/XX/XXXX and was out of work and asked for COVID forbearance with New Rez mortgage for XX/XX/XXXX and XX/XX/XXXX, this was approved, and the forbearance issued was for six months. I was able to resume my regular monthly payment in XX/XX/XXXX. In XXXX of XXXX, I was working with XXXX XXXX from New Rez/Shellpoint to make a mortgage loan modification as I was unable to pay the full 2 months of payment that were in forbearance at once related to a lack of income during my XXXX. I sent her all the information requested, asked if there was any other information she needed, and also asked for a callback. I have left messages with no return calls. I did not receive any further requests via email or phone from XXXX XXXX, assuming New RezXXXX XXXX had all the information needed to get the forbearance modification completed. I now have late reporting on my credit report starting in XXXX until now. I had excellent credit prior to this unfortunate illness and forbearance. If my loan modification was denied or other information was needed, I was not provided with this information or given other options to pay this forbearance amount back. Now, my credit is poor as a result of the lack of communication with New Rez/XXXX XXXX XXXX I have requested that New Rez addresses the credit reporting concerns, and asked how to resolve the forbearance amount, and again am not getting a response, I have emailed and called. I would have to take a loan out to resolve this amount if I had known the modification was rejected, as by no means did, I have control over COVID and again I was not provided with any information. Please help me resolve the issues with the past due amount showing from the forbearance and correct my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-08-21 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
I was in the process of applying for a loan when I was told a mortgage company had a lien on my home. I had taken over my grandfather 's mortgage when he passed away in XXXX and paid the balance of the mortgage off at the end of the year of XXXX. The company I paid the balance of the mortgage off to was community loan servicing. I was unaware that community loan servicing had bought the previous company by the named Bayview loan servicing. Bayview is the one with a lien on the house in my grandfather 's name. I am the one who inherited my grandfather 's belongings along with his debt. I also hold power of attorney for him. I had contacted my estate attorney who helped with closing accounts and to get things transferred to my name. When my bank made me aware of the lien with Bayview. We both had a hard time getting ahold of someone due to my account being closed with the company community loan servicing. I was finally able to reach someone by emailing community loan servicing through their payoff request email I had used prior. I was then reached by a woman whose name I do not remember, and she gave me an email to send the document to, but first tried to tell me it was property tax issue without listening to my issue. I was offended but sent the tax warrant on XX/XX/XXXX of XXXX. It was told to me that it would take 30 days to get a response. I also have tried to reach out to the company numerous times with no response to the status. I only have a certain window of time to process the loan I am need of and they pull a hard credit check for this loan. I do not feel I would be able to have the same interest rate as I do now if I do not get help from the mortgage company. I have paid of the remaining balance and the Bayview account number is the same as the community loan service account number. The amount that the tax warrant shows is of XXXX dollars and dated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank could not reach me regarding a credit card. They called my father. I have not lived with my father for decades. I reached out to them and told them to stop. Not only is my father not on the account, that is not the phone number listed anywhere on my account statement or application. This is a violation of my privacy and horrific customer service. 
It happened again last month ( XX/XX/2023 ) and as recently as last week ( week of XX/XX/2023 ). My father said they have left multiple nasty messages. I have called them TWICE today ( XX/XX/2023 ). The first agent was unhelpful and rude. I hung up. I called back. The second agent attempted to accuse my father of lying, but quickly changed course when I noted what number not to call. I once again reiterated they are to call the number provided and nothing else. She stuttered and would not reveal where they obtained my father 's information. I told them that I am recovering from XXXX and perhaps that's why they could not reach me. The agent then asked if I brought my phone into XXXX. It was an incredibly idiotic and insensitive thing to say. She claims they are sorry and have noted never to call my father again. I told her I am filing the complaint today and that if it continues I am filing another complaint. 
The document I attached shows the correct last 4 digits and email address of how they should be contacting me. None of those items is my father 's phone number.

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 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called TransUnion and the supervisor XXXX XXXX did something on my account that I did not authorize. He kept saying he did it and he can do it and thats in his right. I called to ask about two hrs inquiry and the documentation I sent regarding that and he closed my account that I had with another bank that I was not asking about. I did not authorize him to do that and I kept asking what is he talking about and he refuse to explain, he just said go check your credit report and kept talking over me while I ask what did he do that I did not authorize. This is illegal and again this or whatever he did was done without my authorization. This pass my rights as a consumer and violates my privacy right. This is my account how can someone do something on my account that I did not authorize. The calls are recorded I want that to be revised and fix and this supervisor to be our ish as he is rude and as no customer service skill. Very unprofessional! This is how TransUnion trained their agents to 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 explanation
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: PA

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 U.S.C 1681. 
XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX : Acc # XXXX XXXX XXXX, XXXX : Acc # XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedate the report by more then seven years.

15 U.S.C 1681 s-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 non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc
State: TX

Complaint narrative:
on XX/XX/XXXX XXXX was taken out of my chase account by Bright capital llc which when i signed up for XX/XX/XXXX stated it was only XXXX a month ive emailed Bright capital llc XXXX and also called to request an refund and all i get is an acknowledgement email and when i call all agents are always busy... i just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
THE US Department of Education and XXXX XXXX violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records. 


Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 


That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I received a letter in the mail from XXXXXXXX XXXX stating that I had been approved for a certain amount of credit line. I do not have a XXXX account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE XXXX INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the XXXX inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( FCRA ) 15 USC 1681 b This section of the law/ Permissible Purposes. It has come to my attention, that you are reporting unauthorize inquiries with your company, to the consumer report. You have reported inquiries on these days between the consumer, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. And according to " FCRA '' 15 U.S.C 1681b intends to use the information for employment purposes ; or The Term " employment '' when used in connection with a consumer report means a report used for the of equating a consumer for employment, promotion, reassignment or retention as an employee.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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