vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts are out of compliance : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-09-22 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I NOTICE A HARD INQUIRY IN MY CREDIT REPORT FROM PAYPAL via SYNCBVENMO ON XX/XX/2020 WHICH I M NOT AWARE OF!

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 2022-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2022-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
It was a chase credit card which I do not have. I first received a statement with a XXXX amount on it. A called chase telling them I did not open an account. They told me they would close the account. Next statement I received there was {$840.00} on the account. Someone using XXXX which Ive never used. I called again and after getting a run around finally was able to file a complaint. Why after I told them it wasnt me did they reopen this card and allow it to be used?? I filed a police report and put claim through. I also received something from XXXX which I also dont have. I called them but they said Id have to go in to a branch to handle that. This is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Nelnet XXXX XXXX ( " Nelnet '' ), either through negligence or malice, has caused me damages as a result of their irreverent handling of tuition refunds. 

Specifically, Nelnet has made multiple mistakes that have resulted in an ACH transfer being reversed, as a result of this reversal my bank account is likely to be charged one or more overdraft fees. Worse, Nelnet has purposefully delayed a refund of {$930.00} dollars in an apparent attempt to ensure that I would be charged overdraft fees. Outrageously, Nelnet has reordered their ACH transactions to ensure that withdraws are processed before deposits. 

In detail, I have been owed a {$930.00} refund for over one week now. However, despite promising to provide a refund in a couple of days Nelnet has not even started the process of initiating a refund and has instead focused on withdrawing nearly {$4000.00} from my account in an out-of-order manner. 

If Nelnet has processed transactions in their logical chronological order wherein the {$930.00} refund was executed first then it is likely that the current torturous activity of Nelnet and resulting damages may have not occurred or been limited in scope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
Fmb Omaha bought out the bank that my credit card was with, which I had set up with auto pay. I had never been late in paying the card because the auto payments came out of my checking account each month. I received no notification that my auto payments would stop after the buyout. I then received a call that my account was past due and immediately paid the past due amount but the delinquent remark had already posted to my credit report. I called the bank to ask that the remark be removed, since it was not my fault that the auto pay stopped with no notification, but was told there was nothing they could do about that. It is now affecting my credit score drastically. I am asking that the delinquent remark be removed as I immediately made the payment once I was notified that the auto payment did not go through

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 2022-09-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts are out of compliance : 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 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 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 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 XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-09-22 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX  XXXX : Account # XXXX | Account History Invalid - No Consent Given. 
Extra Credit Card : Account # XXXX | XX/XX/2022 - Inaccurate Payment History. ( This payment was not missed. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX | Account History Invalid - No Consent to report given. 
XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX | Account Payment history invalid - No written consent given - Account Paid in full Invalid Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2022-09-22 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
We paid off a home equity line with Fulton Bank on XX/XX/XXXX. They still have not reported it to the credit bureaus. I have met with a manager at a branch and she is doing everything she can. I have sent Fulton Bank a email thru thier system to please report the payoff and account is closed and I have talked to thier customer service number, who also sent the request ahead to the loan department. It is now over 30 days and my XXXX  account still does not show it paid off. I have another loan with a variable rate I am looking to change to fixed asap and a really good 0 % consolidation to apply for, but can't because the Fulton Bank loan still shows not paid with a XXXX balance. As soon as that shows paid, my credit score will significantly improve and it also will show much less debt owed where my approval amounts and assurances will be much better. I feel urgency to get this done asap where interest rates keep going up frequently.

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 2022-09-22 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I NOTICE HARD INQUIRY IN MY CREDIT REPORT FROM XXXX  XXXX ON XX/XX/2020 WHICH I M NOT AWARE OF.

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 2022-09-22 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: LA

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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
PENNYMAC did an intentionally poor job explaining the COVID partial lien. Their message plays on repeat as the first thing you hear when calling in. It is pushed on consumers with no training given to the workers and no guidelines in place on what information to share with the consumer about what it is. The program is explained so intentionally poorly that I believed it to be lender based not government assistance. I took the help for 6-7 months while having my hours reduced, incurring childcare expense due to the pandemic issues, and while receiving uncertain and lower child support. When I was confident the situation was resolved, I called in to resume payments and was told I needed my ex-husband to sign loan paperwork. Not that it was simply tacked on to the end like I was told. Had I been explained anything instead of talked to like it was casual assistance from PENNYMAC, I would have had a $ XXXXmonth problem. Instead I sat with a {$7000.00} problem. For some reason and after doomsday level dramatic begging, my ex signed. I lodged a complaint internally with PENNYMAC and moved on. Shortly after, I started the assumption process. Turned in all the paperwork but it was denied because I had needed the partial lien. I was told to make some payments on time and try again. So I did and asked again. And it was denied because of the partial lien. Now I'm told I have to pay off the {$7100.00} in full to assume the mortgage which I now have 4.5 months ( per divorce decree ) to come up with. Single mom. XXXX kids. Had I been told with the first request for assumption, I may have had a chance to save but they waited until the last opportunity. Presented with " help '' from PENNYMAC because it benefited PENNYMAC but left me and my kids with a {$7000.00} problem. I can't assume it. I can't streamline finance it ( and if I could, it would be a massively larger payment because of the interest ). A refinance is not free and I'm not sure I'd even qualify. And again the interest would be insane ( while the partial lien is at 0 % interest ). This was " help '' to PENNYMAC for which PENNYMAC acted like the provider of for good PR and to get the government money themselves. They took advantage of my family and at a minimum did a phenomenally awful job that put my family in a desperate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Applied for COVID Loan Mod on : XXXX Denied XXXX Denied- could do a short sale XXXX applied and denied on XX/XX/XXXX I appealed the denial from XX/XX/XXXX Was approved for FHA/ HAMP Modification but only drop my payment of {$54.00} and the payment is more than 50 % of my income, I was never reviewed for COVID FHA 40-year loan Modification during these times. 
Mr. Cooper stated in an email that FHA DOES NOT offer a COVID FHA 40-year loan Modification. 

I contacted HUD about this. XXXX emailed Mr. Cooper on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX She also requested a supervisor to respond to me. I have never had a supervisor contact me. 
XXXX from HUD - sent Mr. Cooper emails on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX- I applied for help on XX/XX/XXXX and XXXX  XXXX XXXX  has requested information from Mr. COOPER multiple times since XXXX and they haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have been contacted by XXXX repeatedly, every week for four years. I had a vehicle that I leased through XXXX for four years. I completed the lease in full and returned it successfully with no monies needing to be paid as the car was in good condition. 

XXXX has called me every week, several times a week, EVERY week since about six months after the lease was concluded. 

About two years ago, told that that I did not owe the monies and that if they wanted to communicate with me, to do it through the mail. They sent one letter, then resumed their calls. At this point, they have called me a estimated minimum of 400 times, literally 400 times over a four year period. Ive told them that I dont owe the debt but they keep calling. 

Please let me know what I can do to stop this. I can not believe a former creditor is allowed to harass me to this extent, particularly when I have completely fulfilled the lease obligation. I have reached the poinXXXX where seeing their number come up is making me sick. 

I can obtain phone records to substantiate the frequency of their calls if needed. 

Thank you for any help you can offer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation