vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I applied for mortgage assistance with California mortgage assistance program in XXXX XXXX ( XXXX ) appealed ( XXXX ) and again ( XXXX ), and each time the state informed us the midland continues to send wrong information through their internal communication system of what my conforming loan limit is. I went a step further and contacted XXXX XXXX  who is the original loan servicer to provide documents showing how my loan qualified as an fha loan and how it met XXXX XXXX conforming loan limit and they were kind enough to provide that. I then provided those documents to midland and asked that during the verification process that they provide those documents to the state and once again the state informed me that midland provided them incorrect information and as a result they declined me again and suggested that I get XXXX on the correct path. I have no idea how to help XXXX at this point as their incompetence has proven too much. 


Please assist. I have also reached out to XXXX XXXX  ad of Friday XX/XX/2023, informing them that the servicer they transferred my loan to has shown incompetence and to see how best they can facilitate and escalate it to the management team within midland

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 2023-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX My XXXX auto pay draft always goes out on time!! Citizens Bank somehow told me I missed a payment and charged me a late fee. I wasnt late as it was their problem they didnt get a payment. I was told by a banker at XXXX there is a number that all financial call for routing?? They never seemed to call. If they charge {$9.00} late fee to one million customers they get XXXX XXXX dollars!! I think they need audited and fined like you guys did in 2015. They are trying to use a glitch to get revenue from customers. Also their account fees are high. I never got {$300.00} to start with my new account?? They wanted XXXX and I dont want an IRS audit on a big transfer!! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: SLM CORPORATION
State: PA

Complaint narrative:
I was contacted by Sallie Mae, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and Sallie Mae Bank has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, Sallie Mae has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: CA

Complaint narrative:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XXXX at XXXX XXXX, I noticed an odd, missed call from XXXX XXXX on my cell. I called it back after hours and they said there was no record of my having any business with them. This was untrue, I learned on XXXX, the next day. I received a suspicious email in my personal inbox stating, " Welcome to your Account! ". 
I immediately contacted XXXX XXXX XXXX phone number and stated this was fraudulent as I have not nor would not conduct business with CCF Intermediate Holdings. 
I had the misfortune of being relayed to a XXXX Specialist who called herself " XXXX ''. I was immediately prompted to share sensitive information to verify my real identity, which I never wanted them to have, just to ascertain such a fraudulent account existed. I am concerned as to why the Customer Service Department was able to confirm with a first and last name, but their frauds department needed sensitive information. I explained as best I could with what little information, I had that it appeared an active account was opened in my name, email, and phone number. This is a fraudulent activity where someone attempted to open an account using Identity Theft. 
The representative was vague and disinterested, and I was shocked to receive next to zero support while the fraud department expressed the opposite. She was suggesting that my purported suspect may not be correct and rather surmised a ring of fraudsters was to blame. I asked how she could conclude anything prior to investigation and further what depth of familiarity with the matter she was not revealing that may help in my investigation. 
As a victim of fraud, I expected to receive empathy and assistance rather than a sense of opposition or minimally, being unsupported. As it stands, I do not believe the XXXX Department I just spoke about is legitimate and may even be complicit. The individual requested my social security number to validate an account which I was reporting as opened fraudulently and would not validate the address on file after I validated myself. They would not mail a copy of a fraud victim packet to my proper address either, insisting we communicate via email. I had to give another email address. This has yet to be validated or responded to. I was never given a reference number. 
Finally, this is actually and verifiably coming from XXXX XXXX XXXX, not an impersonator. There are now XXXX total credit bureau inquiries damaging my XXXX, XXXX and XXXX history and creditworthiness. This identity theft left a trail of concerns regarding cybersecurity practices and even within a company itself, what internal reviews are conducted to audit staff training and practices. This is unacceptable in XXXX  or anywhere in our country to be preyed upon twice, once by an identity thief, then again by the company 's own frauds department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I already looked at this account with the wrong information, and after reading your responses, I saw that some of this account still have confirmed errors. Correct the account, please : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: TX

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 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, 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 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 2023-05-06 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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, 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 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 2023-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please delete these hard inquiries 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 ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -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 2023-05-06 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: FL

Complaint narrative:
Please delete these hard inquiries 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 ( Finance ) - XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX  XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I had tried to get items removed because of wrong addresses name misspelled, names I never used they updated them and still wrong

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I had tried to get items removed because of wrong addresses name misspelled, names I never used they updated them and still wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS : 1. Collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number XXXX 2. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX 3. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX 4. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX 5. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Account Number XXXX HARD INQUIRIES : 1. Creditor information XXXX 2. Creditor information XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXXXXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX XXXX  XXXX 8. XXXXXXXX XXXX XXXX 9. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXXXXXX XXXX 16. XXXX XXXX 17. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 18. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 19. XXXX XXXX XXXX XXXXXXXX  XXXX XXXX 20. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 21. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 22. XXXX XXXX 23. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Company cant explain the charges on my account. They informed me that they would start an investigation but when I called a few weeks later I was told there was no record of an investigation being started yet they admitted they were suppose to start on. They charges I found out after doing some research was made in the same state that their company is based. I have proof I didnt make the transactions. It happened on XXXX separate occasions. Once in XXXX and once in XXXX so I decided to close the account so it wouldnt happen anymore. The company/credit card is Avant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 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: SC

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX in amount of {$830.00} with opened date of XX/XX/2020. This account was purchased from original creditor on XX/XX/2020. Date account opened is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: TX

Complaint narrative:
1. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX 2. Did not consent to unauthorized inquiry. 
XXXX XXXX  XXXX XXXX  Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX  XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX XXXX  Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX ** Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX  Account Number : XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX ** Validate/inaccurate reported late payments.

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