vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: OH

Complaint narrative:
Was approved for a loan on : XX/XX/XXXX1 Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from Transunion that my credit was pulled from XXXX XXXX which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.

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 2022-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$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 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!

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 2022-03-29 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: MS

Complaint narrative:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXXXXXX / {$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 explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: NH

Complaint narrative:
I have called my mortgage company numerous times reliance first capital to figure out how I can get back on track Ive left messages I sent email today and nobody is calling me back. I cant get in touch with anyone its like Im set up to fail.?? I just need a a couple months to get back on track. I had a hardship with my vehicle and its cost me over XXXX out of pocket over last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.

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 2022-03-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
So I got a used car loan from XXXX XXXX, and they put the wrong address on my account, I stay at XXXX XXXX XXXX XXXX NC. They put some Virginia address where I didn't stay at.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I applied for a mortgage with a few lenders including XXXX XXXX at Bank of The West. XXXX reviewed my documents and said the loan was approved and was in processing. So I cancelled my application with the other lenders. Now just before closing XXXX terminated the loan based on my income, which he had already promised me was approved. I dont have enough time to find another lender so Im going to lose the house I was buying and {$10000.00} earnest money all because XXXX lied to win my business.

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 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I filed a complaint with the collection agency of the validity of the debt and the debt its not mine. I called and I spoke with XXXX XXXX at Allied and he refused to provide me the details of the debt. I emailed him directly on XX/XX/2021 to his his email XXXX and complete disregard to my request. It has passed more than 30 days since my request. He would not give me another person to talk to or addressed my concerns in regards to such collection. He didn't read the disclosure that this is an attempt to collect a debt. I have concerns regarding such debt as is not much but its not mine. I asked he for the company from which the debt is coming from and he told me he could not. I mailed all the information to all credit agencies along with this.

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 2022-03-29 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: WI

Complaint narrative:
I went back to school during the COVID forbearance ( in XX/XX/XXXX ) which put me into an in-school deferment. This can be confirmed by the notice I received from Great Lakes on XX/XX/XXXX which I've attached to this complaint. The notice states, " Your request for deferment has been approved and has been applied to your accounts through XX/XX/XXXX. '' Towards the end of the letter it reads, " You can cancel this deferment at any time by calling us. '' Given the ongoing COVID forbearance, I have looked into the PSLF program and its temporary waiver. I understand that time spent in an in-school deferment does not count towards PSLF-eligible payments XXXX I have been working full-time for a PSLF-eligible employer since XX/XX/XXXX. I want to take advantage of the PSLF program and hopefully get these 2+ years to count towards the 10 years needed for forgiveness in the PSLF program. 

Today, I called Great Lakes to ask if they could remove the in-school deferment on my account. I spoke with multiple people and each one told me they could NOT remove the deferment on my account. When I asked why, I got different reasons, including : - I needed to be in an in-school deferment period in order for them to remove the deferment on my account ( I told them that according to the communication I received in XX/XX/XXXX, I should still be in an in-school deferment period - they said I wasn't anymore, even though I never received any updates or communication about this change in status ) - They can't retroactively remove the deferment on my account, even if I was still in an in-school deferment period ( The notice I received clearly states that I could call them at any time to remove the in-school deferment status ) Based on the communication I received from Great Lakes back in XX/XX/XXXX, I should be able to remove this in-school deferment status at any time, which is what I'm trying to do, but the representatives I have spoked with told me that they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
So basically what happened was I was notified that my account was being closed because of a return check that totally wasn't my fault and everything I called the bank tried to fix it and everything they said they were going to take their fees which they already have and my account was going to be close by the XXXX and I'd have my funds now I'm being told they don't know if I'm going to get my funds and when the account going to be closed

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 2022-03-29 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: WA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The Credit Union 's information : SchoolsFirst Federal Credit Union - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/22, I contacted SchoolsFirst Credit Union regarding unauthorized transactions totaling {$5700.00} of over 20 transactions of a few hundred from XXXX and appealed for a fraud claim. 

On XX/XX/22, I was contacted by XXXX from the fraud department and was asked questions if I was involved in an online scam where I had given away my information, but I told her I was not involved in anything XXXX. I told her I lost my wallet at work before, but that it happened over 1-2 years ago and the charges just came recently from XXXX which I had never used. I was then told I would receive provisional credit in the meantime as the investigation was ongoing. 

On XX/XX/22, I had to contact them again because they haven't replied back in over 10 business days regarding my fraud claim either by phone, email, or physical letter. I was told the fraud claim was denied on the basis that I logged into my online checking account and saw the transactions, but did not report them in a timely manner. 

However, when I pressed them if they had received contact or received any information with the XXXX company, they told me that the process takes time and they had not received anything regarding the unauthorized transactions that went through. 

I believe this Credit Union is under violation of Regulation E as they were pressing me in the interview about my negligence, but I did not do anything stated under Regulation E. 12 CFR 1005.6 ; Comment 6 ( b ) -2. I told them several times they were unauthorized online transactions, but they had closed my claim on the basis of not reporting in a timely manner and for having logged in to my account even though my account is protected and I am signed up for fraud alerts ( which all of these transactions were never flagged as being suspicious ). 

They did not give a reasonable investigation and closed the case prematurely having never worked with the company to solve the issues and also did not formally update me either email or physical letter. Provisional credit was also denied as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Sent payment to the original collection company to settle the debt and have it removed from my credit report. I never received any update of the status of the account or my right to dispute the debt. I received a letter in the mail from portfolio recovery saying that I now owed portfolio Recovery. When I called portfolio and explained that I wanted validation of ownership of the account because it was to my knowledge owned by XXXX XXXX and didn't appear on my credit report, they then said they would start reporting the negative items to damage it until it was paid. I feel like I was taken advantage of and my rights as a consumer were violated and that they took predatory action wich damaged my ability to get loans and other forms of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NJ

Complaint narrative:
I used to be a user of Paypal and they just suspend my account without any reason from XX/XX/2021 and freeze my balance to withdraw. Per their message, they will keep my balance up to 180 days. So far, I didn't get any notice how to restore my account or get back my money in account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: LEXISNEXIS
State: FL

Complaint narrative:
I have new and updated information concerning Lexis Nexis. I previously complained of Lexis Nexis ' illegal conduct under ID # XXXX, but received no resolution to my complaint. Lexis Nexis has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Lexis Nexis is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This collection agency keeps adding this Fraudulent collection account to my XXXX credit report after XXXX keeps deleting the account I spoke to the collection agency and the only thing they have is a copy of an electronic contract with my name and a supposedly signature which is also an electronic signature not an actual signature or a photo ID which an electronic contract is not an actual proof that a debt belongs to a person they also keep adding the account to my credit and keeps getting deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: PA

Complaint narrative:
To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to granXXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX/XXXX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: VA

Complaint narrative:
Requested enter detailed information for pre-qualification. Told I am approved for up to {$7500.00}. Gave me a link to finalize application and offered me simply {$1000.00}. Asked how such a MAJOR discrepancy can occur. Offered no value explanation. Problem is final decision was based on same information as pre-qualification. Yet gjve two dramatically different credit approval amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Portfolio America Asset Management, LLC
State: TX

Complaint narrative:
I have suddenly started receiving collection calls from PORTFOLIO RECOVERY A Since this is new to me I checked my credit report, I have the app on my phone and check it nearly everyday. I have seen nothing on any of my reports until this happened. They call several times a day, even on Sunday and from numerous cities and states. 
Upon checking the 3 credit unions I discovered it was added to all three on or about XX/XX/2021 yet they have been calling non stop for about a month now. 
The only information I have is what is on the report XXXX AMOUNT XXXX DATE OPENED XX/XX/2021 # 1- The only account I have had for several years with XXXX is XXXX and I still have it in excellent condition # 2- If the account was not opened until XX/XX/2021 then HOW was it put on my credit report 5 { FIVE } MONTHS EARLIER I have never even been notified of this until now

Company response to consumer: Untimely response