vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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: MI

Complaint narrative:
US DEPT OF EDXXXX, Experian, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

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 2022-07-01 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: MI

Complaint narrative:
US DEPT OF EDXXXX, XXXX, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ). 
When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has 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 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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
The information below is inaccurate for my employment background check. I have tried in the past to stop this from showing up its been a constant issue for me. I was never convicted of that felony or any other felony. 

Consumer Name SSN Client Name Client Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Case Reference # Name on File DoB on File Charge Charge Type Disposition Date Sentence XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: NC

Complaint narrative:
On XX/XX/27 I sent a 609 letter to each bureau, XXXX, equifax and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
my loans started with XXXX and have recently been transferred to Aidvantage who is mashandling my loans and misinforming me of my rights. I had an IDR plan with XXXX that started XX/XX/XXXX in the amount of {$39.00}. i paid this until XXXX when my loan was transferred to aidvantage. in XXXX aidvantage charged me XXXX instead of the IDR XXXX when i inquited the associate was not sure why i was charged this amount as the rest of my payments were listed at the XXXX. I decided at that point to continue with the government defferment as money was tight. I recently went in to check my account due to the restart in XXXX payments. they are charging me {$210.00} XX/XX/XXXX and XX/XX/XXXX, and then reverting to the {$54.00} for the remaining months through XX/XX/XXXX. I called to ask about the error and was told there was no error, they can change the amount at any point and that I have to re certify to resolve the issue. I told the associate that they could not change the terms on my idr until XX/XX/XXXX per their own website. I then read them the terms listed on the FSA covid idr announcement and was told those did not apply to me. I asked for a supervisor, they forwarded me to a XXXX. she called me 30 minutes later and immediately hung up with out talking to me and has not reached back out. they are trying to bully me into recertifying instead of honoring the terms laid out by FSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX # XXXX has 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 reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end 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 non-monetary relief
Consumer complaint received 2022-07-01 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX # XXXX has 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 reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank for my Ulta MasterCard. I've been unable to login for the last week ( end of XX/XX/2022 through today XX/XX/XXXX ) or use EasyPay  or get through by phone to make a payment. The company has communicated poorly regarding their attempts to solve the problem, and I'm concerned my inability to access their site to make my payment will negatively and erroneously affect my credit, which may be cumbersome and burdensome for me to correct when the mistake is theirs. Upon regaining access, I will be paying the account off in full and closing it permanently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had gone to the bank on XX/XX/XXXX to check my balance and they notified me I had very little money on my account, they looked into it and they gave access to someone who had called the customer service with all my personal information to online banking, they ordered a new debit card, they changed my address, phone # and increased the limit of withdrawals per day. The bank did not protect me at all, it has passed 2 months and they dont return my calls. The amount they took out of my checking account was {$15000.00} on the month of XX/XX/XXXX. I am an XXXX  person XXXX XXXX XXXX and i feel that the bank didnt protect my account or alerted me. I never use my debit card and they released it so easily. They keep on telling me that I must of given someone all my personal information and thats why they had accessed my bank. I dont give any personal information to anyone not even my kids or grandkids. The person in Fraud dept knows for sure this is fraud and someone tried to have access to the account because she spoke to them 10 before me getting to the bank to check on my case. I dont understand why are they not returning my money, its not my fault the customer service fail to to their job in protecting my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01 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: KS

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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX A XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : 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

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 2022-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD

Complaint narrative:
I have sent all my documents several times to the loan modification processor and I keep receiving request for the same documents. They ask for us to complete documents that are already completed and sign. We are being treated unfairly. 
One of the document requested was the taxpayer first act document. We sent it and they just told us it was not complete and as you see it was signed and sent via mail and email on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: TX

Complaint narrative:
1.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 9 different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 3 different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 8 different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 6 different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX on XXXX XXXX to 5 different credit company which i did not know about.

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 2022-07-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account has was paid in 2020. XXXX XXXX Account # 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 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANNER CORPORATION
State: CA

Complaint narrative:
There are {$310.00} and {$21.00} transactions are XX/XX/22 that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance is the mortgage servicer on this loan. They have incorrectly dated the closing of the loan in XXXX when it was actually closed in XXXX. This has created a significant set of issues that have not been resolved by Selene, despite dozens of calls and emails to rectify the matter. 

The note, payment schedules and all documentation correctly call for the first payment to be due on XX/XX/XXXX. Payment for the remainder interest of XXXX ( the month of closing ) was paid at closing, as is customary with loan closing procedures. 

But because their error has the closing date in XXXX, since the inception of the loan it has reflected an inaccurate first payment due on XX/XX/XXXX. That is impossible for a loan that closed in XXXX, since XXXX was collected at closing and XXXX had not yet accrued. The note and all documentation correctly call for a XXXX payment on XX/XX/XXXX. 

Therefore, every payment I have made is inaccurately categorized as 30 days late. This has also now been reported inaccurately on my credit. Additionally, Selene has been unable to credit that first payment to my account because it was delivered via bank check. 

I have called Selene every single week since the inception of this issue. Every time, a customer service agent finds the correct note and documentation, starts a case, and sends it to be corrected. I am given a date of correction each time which is false. Nothing has happened. 

Every single time I call, it starts over. They do not contact me or issue a case number or attempt to rectify the issue. 

Selene has the appropriate documentation yet refuses to correct the issue. Every party has the correct documentation the county recorder, Selene, myself, escrow, notary. But Selene still refuses to correct it after dozens of calls and complaints filed.

Now they are inaccurately reporting this information to the credit bureaus ( after acknowledging and identifying the error ) in violation of a few laws. 

This must be corrected immediately. They must correct their files to reflect my correct loan inception date, my on time payment history, and correct my credit file without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
This account has was paid in 2020. XXXX XXXX  Account # 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 2022-07-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account has was paid in 2020. XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation