vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Wilmington Trust National Association, multiple loan modification denials with their XXXX XXXX XXXXXXXX XXXX for us into Bankruptcy XXXX  XXXX as of XX/XX/. 

Wilmington Trust National Association and their XXXXXXXX XXXX XXXX  XXXX and their law firm XXXX, continue to market and post the Notice Of Trustee Sales while in XXXX proceedings. ; We, believe that they are all in Violations of Federal US Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
UPDATE THE LATE PAYMENT REMARKS

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 2023-11-23 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-11-23 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: OH

Complaint narrative:
Initially submitted XXXX application to Nelnet on XX/XX/23 to decrease student loan payment. XXXX said I was qualified for the plan. Nelnet has put account into administrative forbearance for last 3 months and has not processed XXXX plan yet. I have uploaded proof of income and paystub to them and they have still not processed the application. Every week I get an email the application is still in process. Interest continues to accrue on the loans while they take more and more time to process the application and it is uncertain whether this interest will be written off. The XXXX application needs to be processed and the payment plan needs to be changed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) Equifax, XXXX, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on my credit report I want you to know that I understand my financial obligations, and if it werent for covid 19 and the pandemic I would have been an exceptional customer. unfortunately I suffer from an XXXX XXXX and each time I had XXXX XXXX it was very hard to recover. Between XX/XX/2021- until now I have had XXXX 3 times. Causing me to be out of work on and off which lead to me being laid off. I made a mistake in falling behind, but since then, I am officially a career employee at the postal service no longer temporary. I am healthy and making a very good income that is stable and permanent. I know based on the cares act and based on the 15 us code 1681 s-2 late payments during COVID late payments were not necessarily being reported to the credit bureau XXXX there was an agreement with the creditor. However I have late payments through the whole duration of COVID 19 even with speaking with XXXX and applying for loan extensions. All XXXX that I spoke to said it would not reflect on my credit. 
Im planning to apply for a home loan and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments for that duration. I also I have proof that prior to coming to capital one which was right before COVID hit I had a vehicle loan with GM XXXX and I was never late ever. Covid really took over for me. I am also willing to pay for deletion as well. 
Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing , LLC and their assignee 's XXXX XXXX XXXX XXXX ( trustee on loan XXXX ). Forced me into Bankruptcy on XXXX XXXX XXXX due to multiple loan modifications ( denials ). While in XXXX Bankruptcy proceedings, Fay Servicing and their assignee 's, instruct their Law Firm ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to postpone numerous Trustee Sale dates. 

While in XXXX, Fay Servicing and their assignee 's have posted {$17000.00} dollars of mortgage payments. The mortgage loan will soon be paid in full. 

We are constant harassed, continuous mailed letters to sell home. 

We believe, Fay Servicing , LLC and their assignee 's are in Violation of Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting 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:
I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an XXXX report which I included here with report number XXXX AND XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.

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 2023-11-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Transunion needs to remove these fraudulent inquiries off my credit report I did not authorize anyone to use my credit, please remove these fraudulent inquiries immediately, I am a victim of identity theft, Im filing this complaint because my credit report was used with out me knowing, I want these remove, Im sending a screen shot of all the hard inquiries on my report, do not put no fraud alert I just want these inquiries to be processed immediately and removed thank you.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received the credit report ( XXXX ), which has same content. And I have already asked to extend my fraud alert for 7 years and opt-out by the recommendation from XXXX, most likely, itself by the postcard. Therefore, I do not wish to receive same content with different report number.

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 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi has consistently placed fraud alerts on my citi XXXX XXXX. When I called to verify my identify this time they asked for my checking account information, which I was not comfortable providing.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to formally dispute all fraudulent inquiries on my credit report. After a thorough review, it has come to my attention that there are unauthorized inquiries that I did not initiate. I request a prompt investigation into these discrepancies and urge you to remove the fraudulent entries from my credit report. The accuracy of my credit history is crucial, and I believe resolving this issue is essential to maintaining the integrity of my financial standing. I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of the investigation. Thank you for your immediate assistance in rectifying this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally dispute all fraudulent inquiries on my credit report. After a thorough review, it has come to my attention that there are unauthorized inquiries that I did not initiate. I request a prompt investigation into these discrepancies and urge you to remove the fraudulent entries from my credit report. The accuracy of my credit history is crucial, and I believe resolving this issue is essential to maintaining the integrity of my financial standing. I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of the investigation. Thank you for your immediate assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened in regards at least XXXX inquires with the CFPB XXXX and XXXX. 
Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this XXXX Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. 
I made Aware CITIBANK THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. 
Today I received an email by XXXX showing the amount I legally disputed with CITIBANK for services not received as Delinquent Account. 
This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. 
As well I'm including in this inquire to XXXX to have remove a Legally Disputed for services not received, and to have XXXX not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also XXXX will be included in the Legal Action after this formally inquire.

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 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I submit all information that i provided for help me to remove the limitation, and i was on the phone waiting for, and them i think nobody has change to review and remove the information. 

i will like apreciate help me to remove the limitation ref XXXX THANK YOUU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I want the company to remove the unauthorized inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief