vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have requested that XXXX and Equifax remove an account that XXXX had removed from my credit report, and XXXX and Equifax did not respond and/or they claimed the account will remain on my report. I asked XXXX and Equifax for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent. 

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 2022-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was first told by a representative of Sallie Mae that I could call every 3 months to defer loan payment if my financial situation did not get any better because of COVID. She deferred my loan, 3 months went by and Im still struggling, I called back as told. This representative I spoke with told me that there was nothing they could do to help me and it will go on my credit score preventing me from buying a car, home, ect. I begged with the representative from Sallie Mae, she simply told me what I had to pay monthly which was well over {$2000.00} and she could not provide me with anymore assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.

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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a letter in the mail stating that a Personal Checking account with XXXX  Debit Card access was opened in my name with TD Bank. The account number isXXXX. The customer reference number is : XXXX # # #. I have contacted TD Bank and closed the account. There is no beginning or ending balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
None of my other cards have this problem. Citibank has prevented me from paying off my balance in full, which then forces a minimum interest charge multiple months in a row. 

The way they work it is : - the do not allow payments of more than the LAST STATEMENT balance. 
- they do not bill the minimum finance charge until the day the statement closes - this results in new charge for minimum interest AFTER paying off the statement balance, which then accrues interest until the close of the next statement. 
- this wouldn't be a problem if they didn't prevent payments of more than the last statement balance so I could pay the interest Next result : citibank has made it impossible to pay off the entire current balance including interest so that any single late fee results in a minimum of 2 months of fees. 

Every other card I have allows me to pay the CURRENT balance. That is all it would take to make it possible to incur a fee and pay it off completely on the next month.

Citibank has it set up so EVERY fee or interest charge results in additional fees ( minimum interest payment ) in the month following, so two months of paying fees for a single late payment.

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 monetary relief
Consumer complaint received 2022-05-03 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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, Chapter XXXX Bankruptcy Reference # 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 a 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 2022-05-03 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 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Bankruptcy Reference # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My Freedom Mortgage Loan for XXXX XXXX is not being reported to XXXX. This credit bureau does not show any real estate accounts on my credit profile

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 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Good afternoon, I am reaching out today inquiring about a traumatic experience that happened to me some years ago and is past the statue of limitations period. I reached out to the fraud division years ago also reaching out to our Attorney General 's Office. Multiple times. 

I was the victim of an elaborate housing market scam in late XXXX during the housing market collapse. I was presented an opportunity with a person whos portfolio seemed solid and since I was very young I trusted them. At the time I was working for the state of Delaware as a pay grade XXXX or XXXX barely making XXXX, working with this person who informed me that flipping homes is a great investment and they would help me with whatever I needed. 

At the time I did not have much credit, but it also wasnt poor credit either, this person was able to scam and forge documentation to the point I was given a XXXX loan to flip a property at the following link. 

XXXXXXXX XXXX XXXXXXXX The person attended the closing with me, the lawyer kept asking me if I was SURE this is what I wanted, but I trusted them and said yes. After closing was complete, I never saw or heard from this person again for years. I also found out that the person who helped me was working with the seller of the home. Home was never finished, and when going to the county for answers I found that the property did not have water pipes, and was not even a residential property at all. I have found out that others have also been scammed and records show the father of the person who scammed me was the seller.

Also documents will show a misuse of my middle and hyphenated last name which proves that documents were forged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint on XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove " DEROGATORY '' and inaccurate information from my Experian credit report as XX/XX/XXXX. 

1 ) In my Experian profile XXXX XXXX XXXX is currently reporting the original loan balance as {$13000.00}. 
On my XXXX Credit Report it states the original loan balance {$12000.00}. 
There are inconsistency in the original loan balance on two of 3 of my credit reports from XXXX XXXX XXXX, therefore I'm requesting all inaccurate information from XXXX XXXX XXXX be removed immediately. The account is closed! 

2 ) This account has been settled and paid in full in XXXX, has never been late. 
Therefore XXXX XXXX XXXX is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX has abused, violated my rights as a consumer, I will take legal action against XXXX XXXX XXXX if all this information isn't removed immediately!! 
And I ask Consumer Financial Protection Bureau open a thorough investigation into XXXX XXXX XXXX of how they handle consumer credit reports.

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 2022-05-03 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: GA

Complaint narrative:
accordance with the fair credit reporting act 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 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent out an FTC report on XX/XX/XXXX XXXX to Experian, XXXX, and XXXX to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, Experian and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Starting in the middle of XXXX, Freedom Mortgage, our mortgage lender, began offering a program allowing a temporary hold on payments due to COVID hardship. Hoping to mitigate some financial burdens, my wife and I applied for the program. After 6 months, we decided that we were comfortable enough to resume our regular payments and began speaking with Freedom Mortgage to initiate the process. In XX/XX/XXXX, we were sent loan modification paperwork which was promptly filled out and returned. Shortly after, we were told that the documents Freedom Mortgage sent were incorrect and would once again need to be resent, filled out, notarized, and then returned. We did not receive the second package in the mail, requiring me to call and inquire about its status. Given that the due date to return these documents was fast approaching, the individual I spoke with sent the paperwork via e-mail, allowing me to quickly print, fill out, and send it back - all before the provided due date of XX/XX/XXXX. From this point, Freedom Mortgage began sending notice that they had not received the documentation on time and threatened to take us off of the Loss Mitigation Program and that we would need to pay the full amount due of more than {$22000.00}. After calling them again, I was consistently reassured that they had, in fact, received the documents on time and things would continue as normal. Additionally, I was informed Freedom Mortgage made yet another mistake on the documents and would need to resend them. In XXXX, I began receiving foreclosure notices as well as a hit to my credit under a claim that I had not made my payment for the month of XXXX. Still, after calling several more times from XXXX, I was only given empty promises that everything would be taken care of and I should not worry, all while I was continuing to receive foreclosure notices and having a missed payment affect my credit. On XX/XX/XXXX, I also received a letter from Freedom Mortgage stating that they investigated the missed payment and found nothing incorrect about their claim and, on top of that, I was 180 days overdue. It is now XX/XX/XXXX and I have not been sent the " final '' documents, I am afraid that my house will be foreclosed, and I have a massive hit to my credit. This entire experience has been unnecessarily stressful even though I have done everything Freedom Mortgage has asked of me and regardless of how this ends, I will never apply for a loan through them again.

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 2022-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: TX

Complaint narrative:
On XX/XX/2022, Albert took XXXX dollars out of my savings account. I never authorized them to take money out of my savings account. I have authorized payments to come out of my checking account only. I have no idea how they even got my savings account information. I have contacted support but their customer support is non existent. I will also be filing a complaint against the company I have the checking account through.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation