vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future.

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 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear CFPB Team, Our property, sited at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sufferer significant damage during the XXXX XXXX last year. 

We received the funds for the repair from the insurance company and immediately we started the reconstruction process. We are in a situation of needing additional funds to keep progressing. We have summitted letters to request release of additional funds and invoices from sub-contractor evidencing the progress and the current cost of the repairs/rebuild. We are in a point we need additional release of the funds as contractors can way any longer waiting on our payment. 

We have used all our personal funds and credit lines to a point we have exhausted all financial possibilities. Without the release of additional funds we are not able to continue the rebuilding process causing us a significant financial burden. Every week we have a delay cost us {$2000.00} or more. 

We have been sending all information requested, many times and we haven't receive any answer. In occasions we need to start the whole process again as previous request was lost or never processed, basically ignored. 

The Financial Institution is : XXXX XXXX XXXX, Tx Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: FL

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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a 1099-C releasing me from the dept on a vehicle but the Experian credit bureau will not remove from my credit report. The amount shows {$11000.00} that's dated XX/XX/2022 from 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 2023-09-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have violated my rights. 

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 credit reporting agency can not furnish an account without my written instructions.

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 2023-09-12 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have violated my rights. 

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 credit reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: SD

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with them. They are fraudulently reporting on my credit bureau.

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 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone deposited a check in my bank of America account without my consent and took money out of the ATM now I'm not able to open an account anywhere

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 2023-09-12 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: Atlanticus Services Corporation
State: NH

Complaint narrative:
On XX/XX/23 I received a pre approved credit card offer from aspire bank that said to scan the QR code provided to find out more information. I did as so. After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. The next day XXXXASPIRE showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I applied for XXXX in XX/XX/XXXX. XXXX the XXXX servicer said they did a manual transfer request to Nelnet ( my current loan servicer ) XX/XX/XXXX. However, every time I call Nelnet they state XXXX has not requested a payoff for the loans. I believe Nelnet is doing stall Tactics to hold onto the loans and is mishandling accounts rather than transferring the loans. Please investigate because it should not take almost a year to get transferred to XXXX for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CITI CARDS CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA/THD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CITIBANK NA., BEST BUY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On several occasions, I have asked them when is my funds going to be available. I requested that I had bills that needed to be paid. Currently, my phone in off. I am 3 months behind in rent, need my storage unit to be paid, XXXX XXXX renewal. I couldn't pay for my car to be fixed so I had to let it go. Information that I provided on XX/XX/XXXX, I will submit a copy. Today, XX/XX/11, I sent to their email on XXXX. Since my funds on low I was unable to print out those emails to put on PDF 's. I will be evicted at the end of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: FL

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$28000.00}

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 2023-09-12 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: FL

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX JPMCB CARD XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX

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 2023-09-12 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: TX

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 non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have credit protection on my several of my synchrony bank credit cards. I filed a claim for a benefit event date of XX/XX/XXXX for XXXX for COVID XXXX and treatment XXXX XXXX XXXX because I was out of work it was approved after the company giving me a runaround making XXXX XXXX fill out several forms, and asking for information. I filed another claim under XXXX for a event date of XX/XX/XXXX for XXXX XXXX deficiency that caused me to be out of work over 90 days. XXXX XXXX submitted a letter stating that I was still under care for being treated for this condition as well as XXXX XXXX XXXX the form required stating that my release of care was XX/XX/XXXX. After those things were submitted my claim was denied. I requested a benefit analyst to contact me because they stated that the claims were related. This is untrue as they are XXXX separate illiness at XXXX different times. I pay monthly fee as a part of my balance for this services and no one has contacted me. It has been escalated several time with out anything being resolved. They also stated that I did not have a balance on some accounts that supposedly XXXX bank provided them bank statements but I have spoke with synchrony several times and they have confirmed that I did have balances on some of my accounts during that time as of 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 explanation
Consumer complaint received 2023-09-12 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern : Requesting your good office to kindly update or correct my personal information on your records and remove all inaccurate information on my credit profile. Below are the ONLY information expected to appear on my credit report moving forward. Attached are my valid drivers license and Social Security card for your reference. 

Name : XXXX XXXX SSN No. : XXXX Date of Birth : XX/XX/XXXX  Current Address : XXXX XXXX XXXX XXXX Georgia XXXX Phone No. : XXXX Lastly, kindly remove all the other addresses off my report, as they are not deliverable to me by the U.S. postal service, and they are not reportable as per the FCRA, since they are inaccurate. 



Yours sincerely, 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 2023-09-12 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: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/2023 my card was compromised, and I had a new one sent to me. I activated and had been using the new card. The old card was closed, but there was 2 payments that still was available to charge my card even when the card was supposed to be deactivated. So after I request for a dispute of the transaction, they came back saying that I have to pay the money back cause the dispute was not in my favor. Now how is that when the card was closed. Navy federal also said that if its a reoccurring bill that they will still let charge my old card, and I told them that that was fraud, and that I can handle my own business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation