vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am XXXX and have multiple life altering XXXX. 
In XXXX, I was notified that I was awarded a {$95000.00} HAF grant from NYS to help reinstate my mortgage. The arrears were less {$90000.00} at the time of my HAF grant approval. The servicer, Selene Finance, refused to correspond with the HAF representatives or return their phone calls. This lasted over XXXX months. 
In XX/XX/XXXX they withdrew the foreclosure action in court only to refile it months later adding more money to the balance. 
These additional months caused my arrears to become almost {$130000.00}.

So I applied for a modification of the {$30000.00} balance using the HAF grant as a credit. But they would not approve it as they used the entire arrear balance and would not acknowledge the HAF money at all.

The additional unpaid months that were added to my balance includes a large amount of " miscellaneous '' which I believe was to deliberately raise the amount I owed to keep me financially ineligible to reinstate my mortgage. 
Because XXXX would not consider the {$95000.00} HAF grant credit and refused to cooperate with HAF representatives, my grant was withdrawn by HAF at the end of XXXX. 
On XX/XX/XXXX I have submitted another modification request asking to approve a short sale of the house instead of foreclosing but XXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: GA

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. 

Account name : # XXXX  Account Number 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 

2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5.XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 



PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The public record on credit report 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 2024-05-02 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: AR

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This grievance is not without merit. My credit report contains inaccuracies and incomplete information, which is unduly distressing and adversely impacting 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX Account number 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Fraudulent accounts were opened up in my name without my consent. There were XXXX accounts opened up in my name there are fraudulent. XXXX being a Navy federal auto loan that was opened up in my name I contacted navy federal and advised that this account was fraudulent, the XXXX account was a XXXX account. I submitted my police report ftc report and all other supporting docs that indicate Im a verified victim of identity theft and requested that these accounts be removed off of my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-02 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The collector, Medical Revenue Service is attempting to collect a debt from XXXX XXXX for the amount of {$1400.00}. I setup a payment plan with the hospital and paid on XX/XX/24, {$580.00} which was payment XXXX of XXXX. When I went into my account to check the status of the next payment, as to why it hadn't been pulled from my account yet, the hospital indicated that they canceled the remaining payments. When I checked my balance was {$0.00} on XX/XX/24. At this point, I assumed the hospital wrote of the remainder of the debt since I made a payment towards it. I never heard anything from any collector until XX/XX/XXXX. That's a significant amount of time that passed in which I assumed the debt was paid. I have disputed this with the collector and they furnished what they deem proof of the debt from the hospital, however, no one is mentioning my payment of {$580.00} that cleared my bank. Proof of the plan, proof of payment, proof of payment complete, account activity and the original bill are all attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year> I submitted a request to Experian Credit Report Agency requesting that the address of : XXXX XXXX XXXX, XXXX GA XXXX be removed from my credit report as it is linked to fraud. I submitted my ID and proof of residential address. Experian responded that the address is not listed on my credit report. I have attached my current Experian Report which shows the inaccurate address in question.

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 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I applied for a Installment Loan for plumbing work on my rental property. In the amount of {$7300.00} monthly payments are {$300.00} no interest until after XX/XX/XXXX. I have expectational credit with a score in the high XXXX. The Loan was approved & the first payment was due on XX/XX/XXXX. On XXXX XXXX I made XX/XX/XXXX payment in the amount of {$300.00} check # XXXX From XXXX XXXX XXXX On XX/XX/XXXX I made a payment in the amount of {$350.00} this was ( XX/XX/XXXX Payment ) check # XXXX From XXXX XXXX XXXX. On XX/XX/XXXX I made a payment in the amount of {$350.00} this was ( XX/XX/XXXX Payment ) From XXXX XXXX XXXX check # XXXX On XX/XX/XXXX I made a payment in the amount of {$340.00} check # XXXX from XXXX XXXX XXXX ( this is XX/XX/XXXX payment. On XX/XX/XXXX I made a payment in the amount of {$890.00} from my XXXX XXXX Bank savings Acct. This paid the account up to XX/XX/XXXX XXXX on XX/XX/XXXX I got a notification from the Credit Bureau that one of my acct. was 30 days late. Which is a error on Green Sky. I contacted Green sky & spoke with XXXX, & I called XXXX XXXX bank & spoke with XXXX. XXXX XXXX bank said they deducted the money out of my acct & mailed the payments to Green Sky. The payments in the amount of {$300.00} from XX/XX/XXXX to XX/XX/XXXX would be due in the amount of {$1200.00} I have pd more then this amount In the month of XXXX. I have paid the grand total of money that has been deducted from my bank account is {$2200.00}. This acct has never been late in the 4 months. Green sky has reported inaccuracy outdate information to the credit bureaus this is a violation violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681ny and the credit reporting agency has reported this inaccurate information which is in violation of violated two FCRA provisions : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies like XXXX XXXX, XXXX, and XXXX to assure maximum possible accuracy of the information contained in credit reports, and 15 U.S.C 1681i ( a ) This needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX Account number 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an account in XXXX. I pay it each month as a direct charge to my checking account. My American Express card is being charged {$30.00} by XXXX. I started a XXXX dispute today as the first one was never credited and the charges have continued. I have contacted XXXX and after HOURS they found the duplicate account and I have being charged since XXXX using an American Express card that expired in XXXX. I am frustrated that American Express continued to allow XXXX to charge my account each month with an expired card, refused my first dispute and have caused me to spend hours and hours resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kick off, sent me the document stating that the information provided in the documents is a valid digital signature giving permission on the date reported start date of account. I requested that all of the information in the documents me verified as % XXXX Accurate and complete without withholding information. 

Kick off refused to identify that they are not withholding information and didn't provide a clear statement identifying that the proof of digital signature provided in document with contract is infact % XXXX accurate and complete.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
reporting inaccurate information on my Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation