vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BLACK MANN & GRAHAM LLP
State: TX

Complaint narrative:
These links has the XXXX IN XXXX XXXX created for this matter : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX UNLAWFUL NOTICE OF SUBSTITUTE TRUSTEE, AND NON JUDICIAL FORECLOSURE SALE ON XX/XX/XXXX FROM XXXX XXXX XXXX, NAMING THEMSELVES XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX AS XXXX XXXX MORTAGAGEE, AND CLIENT, NAMING MERS AS ORIGINAL MORTGAGEE WITHOUT XXXX XXXX WAS ONLY A NOMONIEE, SEE XXXX PAGE TWO NAMING XXXX AS GRANTOR TO SOMETHING ; THERE HAS BEEN NO DOCUMENTATION, NO NOTICES FROM THE ORIGINAL TRUSTEE XXXX XXXX XXXX XXXX ONLY NOTICE IS ENCLOSED ; NOTICE OF ACCELERATED MATURITY AND NOTE OF NON JUDICIAL FORECLOSURE DATED XX/XX/XXXX DELIVERED XX/XX/XXXX, FROM XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX, CC TO XXXX XXXX XXXX XXXX XXXX XXXX ALSO STATES THAT XXXX XXXX IS ONLY LICENSED TO PRACTICE LAW IN STATE OF MASSACHUSETTS AND RHODE ISLAND. XXXX IS PAGE TWO. AS PER THE CLOSURE DISCLOSURE STATES THAT THER IS NO DEMAND FEATURE ; SEE XXXX LETTER FROM XXXX STATING XXXX IS SUBSERVICER FOR XXXX, HAS NOT STATED RELATION TO XXXX, TRANSFERRED TO XXXX FROM XXXX, AND XXXX IS SUBSERVICER TO XXXX, XXXX HAS NO STANDING WHATSOEVER YET THEY ARE NAMED BY XXXX XXXX XXXX ; Furthermore I require a response from BLACK, MANN & GRAHAM, L.L.P that you have recused yourself from this foreclosure action. If no response from BLACK, MANN & GRAHAM, L.L.P has been received within 15 days then this letter will serve as an admission that the Notice of Default was done in error and you agree to rescind the notice. 

IT was also noted that your PC was not operating during the XX/XX/XXXX - XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After extensive review of my credit report, I noticed there are errors on my credit report. My consumer report will be in accordance with the written instructions given by me and I demand my report to be updated accordingly. I am aware that accounts placed for collections or charged to profit, and loss shall be excluded from my consumer report, as a result, I have not received a 1099-c from furnishers, so that I may file this charge off as income. Due to the negligence of data furnishers and Transunion, I will be filing a form XXXX of this fraud with the Federal Trade Commission and XXXX XXXX XXXX XXXX XXXXXXXX concerning the tax fraud. The companies have reported fraudulent activities on my consumer report when all these accounts were prepaid the moment, I gave the company my application with my signature. My consumer report does not include a report containing solely as to transactions or experiences between the consumer and the person making the report. I know of no late payments on any of these accounts. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to my knowledge.

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 2022-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-12-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I have sent my employer certification numerous times, Ive also asked Mohela if they received it, and keep getting the canned message that does not even remotely answer the question. 

I want to know if they successfully received my employment verification and would like to know when will it be processed. 

Also I want to know if they have processed any waivers for my account. 
Mohela is hands-down one of the worst companies, as far as customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have started my dispute process with this company in XX/XX/2022. Their investigation was a generic response ( please see attachments ). 

There are numerous inaccuracies reporting on my credit report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation.

All copies off my dispute has been sent certified mail return to sender, and I will be attaching copies of this as well.

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 2022-12-16 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: Kovo
State: MA

Complaint narrative:
I canceled My Kovo credit XXXX account In XX/XX/ 2022 they are now charging my accounts without authorization and reporting negatively to the credit bureaus i no longer do business with Kovo credit XXXX I've reached out to customer service and all my request have been ignored i was up to date with all my payments they have no right to report a discrepancy on my report especially when the account was terminated in XXXX thank you for your time and consideration on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Date : XX/XX/XXXX Re : Santander Consumers, USA Today, I made a payment toward my car note and it covered XXXX payments that was legitimately past due. The amount processed totaled {$1200.00} plus an convenience fee. I called the regarding loan company after payment processed on today, to ensure that I will be able to get late payment removed as verbally promised from employee # XXXX on XX/XX/XXXX. 

When I called today, I spoke with employee # XXXX ( XXXX ) regarding the payment update and she basically denied all of my request for " letter submission '' because as she stated " Good-will is not something that they consider from consumers. '' I explained that the late payments reports are inconsistent on my credit report, but she still denied assistance. Therefore, I asked if this denial is in writing or in the contract ( s ) so I can refer to it, respectfully. She said it is not in writing and I will hear the same denial from all of the customer service reps. Since the conversation and assistance was getting no where, so I requested to speak with a supervisor. Employee # XXXX refused to transfer and proceeded to " not hear me ''. Soon after, she disconnected. 

I am writing this complaint because I strongly feel like the following examples of my rights were abused : XXXX False or misleading representation 1. ) 15 U.S.C. 1692e 2. ) 15 U.S.C 1681f > Unfair practices : 1. ) 15 U.S.C 1692f >Harassment or abuse : 1. ) 15 U.S.C 1692d, Line 5

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello. This is not filed by a 3rd Party or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account 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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
These is from XXXX XXXX XXXX, I move in 2020 to a new location I cancel all my services with XXXX XXXX XXXX and XXXX took over my services. I am using the same phone number and in order to have another company to accept you your account need to be clearafter a year I get a bill from XXXX XXXX XXXX I call them when around I dont no how many times and diferente manager from different department tell me that was a mistake, that will be taking care. Know I see that is been place on collection, an no one has contacted me to let me no, I dont have any balance with them at all. Do I need to get an attorney. Please help me with these matter, I was a costumer from XXXX XXXX XXXX for over 30 years, and because I change carried due to the high bills, they trying to do these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
Hello. This is not filed by a 3rd Party or a XXXX XXXX XXXX. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello. This is not filed by a XXXX XXXX or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts.

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : 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 2022-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, BofA XXXX ( XXXX XXXX XXXX, who works for XXXX XXXX ) sent a letter with misstatements to XXXX XXXX XXXX and documents showing evidence that XXXX XXXX XXXX was managing XXXX XXXX 's account in XXXX of XXXX, not XXXX XXXX XXXX XXXX, as per the client 's request in writing. 
There were unauthorized trades and excessive withdrawals- please see the attached statements received by XXXX XXXX in the mail. 
His XX/XX/XXXX statements and transactions were missing from this paperwork. 

XXXX XXXX would like to request that this information be sent to XXXX and to the SEC and that BofA is asked to produce documents pertaining to his accounts ending in XXXX and XXXX. 

Because of BofAs unwillingness to allow XXXX XXXX to transfer his accounts in time to make a required distribution, the client may be forced to contact the IRS. 
He is not sure of the total XXXX at BofA in his social security number at year end. 

Please see the attached details. 

XXXX fair market value of XXXX XXXX 's XXXX account was $ XXXX see form XXXX irs.gov/form, and was managed by the BofA XXXX, XXXX XXXX office. 

XXXX XXXX XXXX, XXXX, the account ending in XXXX was being managed by XXXX XXXX XXXX XXXX XXXX at XXXX rock center, and had Assets of {$610000.00}. 
Total debits from the account in XXXX were {$57000.00}. 

The account value as of XX/XX/XXXX was {$670.00}, under XXXX  XXXX XXXX ( who had no knowledge of any of these transactions ) and XXXX XXXX XXXX, at phone number XXXX. 

As of XX/XX/XXXX, assets had been transferred to an account ending in XXXX. 

It is not clear what has happened to these assets, as of XX/XX/XXXX. 

XXXX XXXX 's contact information is as follows : Tel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-12-16 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: IN

Complaint narrative:
Equifax Information Services LLC sent me a 157-page consumer report on XX/XX/2022, a 6-page report on XX/XX/2022, ( confirmation # XXXX ) a 24-page report on XX/XX/2022 ( confirmation # XXXX ). I have sent several letters, and called several times to dispute wrong addresses on my file, and several accounts that should be deleted from my account. A neighbor brought 2 letters from Equifax addressed to me with the wrong address on them ( XXXX XXXX XXXX XXXX ). This fraudulent address was generated by Equifax ( see attached ). My personal information has been jeopardized and misused by Equifax Information Services LLC. For over 60 days, I have been calling and complaining because I have not been able to see any current information on my consumer account. I recently read the fraudulent response Equifax sent to CFPB stating that Equifax was unable to find my credit profile, or that I do not have one. I don't know what else to do about this company ( See Attached ) I wrote them a letter disputing the items from previous reports, and after 30 days, they have not responded to me. By law, Equifax must remove the identified disputed items from my report. I am in the process of seeking legal counsel if the items are not deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to XXXX and Equifax on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. XXXX disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. Equifax removed a few inquiries but did not remove all of them.

Company response to consumer: Closed with explanation