vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we had a closing on a Revese Mortgage on FHA XXXX. XXXX. A check in the amount of {$220000.00} was sent to HUD and cashed by the HUD on XX/XX/XXXX. 
( See Attached ). To this day the Department of Housing and Urban Development and their servicer CompuLink, Corporation have not executed a Satisfaction of Mortgage. 
This property has been sold and the open reverse mortgage still showing on title. 
It has been 10 months that the Reverse Mortgage was totally pay-off still showing on the property as a lien. 
I called FHA about 10 times, I received an email from CompuLink Corporation that it was sent to recording since XX/XX/XXXX. 
Total lie, I was today in XXXX XXXX XXXX XXXX to get a certifified copy of the Satisfaction of Mortgage and there is nothing recorded or sent to recording from CompuLink, Corporation related to this matter. 
So clients got hurt, their rate expired and now there are paying more in their purchase due to this inapropiate behavior form HUD and their servicer. 
Please help me to correct this issued. This is about making homeownership easy and affortable. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: PA

Complaint narrative:
Four fraudulent accounts appearing on 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 non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Four fraudulent accounts appearing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX issued by Barclays Bank account ending in XXXX ( I dont know what the full number was ) was stolen. I reported the card stolen the same day XXXX XXXX the representative for Barclays said they would issue me a new card. At this time the representative never asked if I was aware of any purchases that might be suspicious and I was unaware as all banking is done on line. I made a police report to the local police in XXXX XXXX Pa where the thief occurred. Not long after I received my online statement from Barclays Bank showing a charge of {$850.00} made at a XXXX in XXXX Pa and a charge of {$500.00} at a XXXX XXXX XXXX on XX/XX/XXXX the day of the theft. I called Barclays and was told by the representative that I didnt report the charges as fraud in a timely matter and they would have to investigate she also stated that I would receive a letter from Barclays regarding the investigation. I just received a letter from them XXXX XXXX and this was a pending investigation that had to go through two complete billing cycles from the date of suspicious activity was reported. In a prior phone call the representative suggested faxing the police report to their headquarters in XXXX Delaware however their numbers for Delaware route you to their overseas ( somewhere ) representative.

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 2023-03-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. Auto Loan No late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments. On XX/XX/22 company responded about same issue and removed inaccurate remarks on XXXX credit report but did not remove on Experian.

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 2023-03-08 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: TX

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights.

Under 15 USC 1681 sec 602 : States i have rights to privacy.

Under 15 USC 1681 sec 604a sec 2 : States a consumer reporting agency can not furnish any information without my written consent.

Under 15 USC 1666b : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

THE FOLLOWING ACCOUNT FROM XXXX  XXXXXXXX  ACCOUNT NO. XXXX SHOWED THAT I WAS LATE 30 DAYS IN XX/XX/2021 WHICH IS IN ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I have communicated to them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: TN

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 US C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX has violated my rights.

15 US C 1681 Section 602 A states, I have the right to privacy.

15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 US 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 US 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 explanation
Consumer complaint received 2023-03-08 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: PA

Complaint narrative:
Three Fraud accounts and Inquiries appearing on 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 non-monetary relief
Consumer complaint received 2023-03-08 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2023, I received an XXXX alert that there was a hard hit on my credit report from JPMCB that I did not authorize. I have not made ANY credit inquiries recently. I called XXXX and they put a fraud alert on my account. I called JPMCB at XXXX XXXX XXXX, and once I explained that I had not started a credit card application they transferred me to Chase XXXX where they put a security freeze on my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have 4 fraudulent inquiries for Credit Cards. 

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act this creditor has violated my rights Under 15 USC 1681 sec 602 : states I have the right to privacy. 

Under 15 USC 1681 sec 604 sec 2 : states the consumer reporting agency can not furnish any information without my consent. 

Under 15 USC 1666b : states a creditor may not treat a payment on an account plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CT

Complaint narrative:
They said the information was right and it wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.

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 2023-03-08 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: VA

Complaint narrative:
I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.

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 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent Equifax a statement advising regarding Reinvestigating my complaint regarding account XXXX # : XXXX, I rcvd an updated response advising my consumer file had been updated and verified. This is not validation of debt, I am requesting XXXX provide XXXX Notice for validation of debts. 
1. Validation of debt including the actual accounting 2. Verification of a debt claim against me with a sworn affidavit or signed invoice 3. A Copy of the Contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as I received these documents.

If these documents can not be provided, Immediately remove and send my updated consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: PA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Account Name Account Number XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation out come to be sent to my address I put on the from area. Thank you for your time and help in this matter

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 2023-03-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a complaint against Experian about five months ago because my FICO score appeared to be incorrect. They adjusted it but it seems like I'm having the same problem again and no one is available to discuss it. For the past three months my score has remained at XXXX due to usage of available credit between 2-3 %. My balance was between {$650.00} and {$350.00}. During that three month period my score dropped with XXXX from XXXX to XXXX. When I paid my bill down to {$81.00} XXXX raised my score to XXXX. Experian dropped it from XXXX to XXXX. No one available to tell me why. I feel like it's retaliation for previous complaints filed with CFPB as well as not joining there paid service to increase my score. 
This is unacceptable. I work hard to increase my FICO score and they can drop it any time they please without explanation?. I expect a change in my score if I use available credit but not if I pay it down. 
My score was XXXX, they dropped it to XXXX something. After my complaint to CFPB it was adjusted to XXXX, then XXXX. At this rate I will never reach XXXX which is my goal. THEY ARE DOING THEIR BEST TO PREVENT THAT FROM HAPPENING. PLEASE HELP

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: AL

Complaint narrative:
I have an credit builder account and also a credit card account with Self credit builder. I closed my credit builder account with them. I have a payout that was supposed to be sent to me on XX/XX/2023, in which they were supposed to deposit it into to my bank account. They have yet to send my payout. The first few times I called they said they needed to verify my identity. I sent them a copy of my driver 's license, a picture of me holding my driver 's license and a picture of my social security card. They also asked for a copy of my bank statement associated with the Self account I had on file. After repeatedly sending them my bank statement they sent another email stating the bank statement had to show a payment made to Self. Which was not possible due to it being a new bank account that I haven't made any payments to Self on. I sent all of this information to them. However they repeatedly asked for the same bank statement which I sent each time they requested it. The last time I called them XXXX I was told something totally different than what was told to me previously. They said that my payout for my credit builder account was showing as staged and should be sent out as early as tomorrow, the next day I was told it was frozen due to ID Verification. They are continuously giving me the run around. It was supposed to be sent to me on XX/XX/XXXX and I still haven't received my funds They also stated that the ID verification was for my Self credit card not my credit builder account but if that was the case I should have received my funds on XXXXXXXX XXXX XXXX  They sent me numerous emails saying the identity verification was because of the Patriot Act. However they didn't try to verify me until I decided to close my credit builder account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called and went to the branch to inquire why they deny the promised bonus, but they keep denying giving what they promised originally.

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 2023-03-08 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: PA

Complaint narrative:
Three Fraud accounts and Inquiries appearing on 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 non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Three Fraud accounts and Inquiries appearing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: AZ

Complaint narrative:
I am filing a complaint against Sunlight Financial. Solar Panels were installed on our house by XXXX XXXX and Sunlight Financial is the broker. 

I initially reached out Sunlight Financial and XXXX XXXX over a year ago as panels were placed on our house but work was not completed per contract. Panels were not operational for about 6 months even though were being charged and they failed several city/ township inspections due to poor workmanship. In addition, panels have been working at 20 % since XX/XX/XXXX and never produced the amount in the agreement. 

I have reached out to both companies several times every week since XX/XX/XXXX yet not action or resolution has occurred. 

Letter of cancellation was sent XX/XX/XXXX and calls were made but never received an acknowledgement or resolution. XXXX XXXX and Sunlight Financial refuse to take any action to acknowledge and resolve problems. 

The case number Sunlight Financial provided me with on XX/XX/XXXX was XXXX. Since then I have made weekly follow up calls as I am told to by the customer service reps who said they have escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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 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 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