vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX EQUIFAX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX  XXXX EMPLOYER : XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX COLLECTIONS : XXXX XXXX  XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX EXPERIAN COLLECTIONS : XXXX XXXX  XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: Nelnet, Inc.
State: MI

Complaint narrative:
US DEPT OF EDXXXX, XXXX, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ). 
For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ). 
For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: IL

Complaint narrative:
LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( 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 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 2022-07-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX XXXX  ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I received a statement from On Line Information Services attempting to collect a debt with a total amount of {$420.00} that apparently stated I owe to XXXX XXXX I do not have any XXXX  account and I have never applied for any of their services. 
I called ON Line Services & spoke to XXXX. Apparently, I have same name as the original debtor but the address is in XXXX Texas which I have never resided. She then asked me to report a fraud or complete a fraud affidavit to be faxed or emailed to XXXX XXXX. Thus, I am filing my case with CFPB for fraud. 
Your help in resolving my case is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My monthly payment for my XXXX XXXX XXXX was due on XX/XX/2022. I tried logging on to my Comenity account via the XXXX app. There was no option to sign in and make a payment. I tried accessing their " Easy Pay '' feature, but all I got was a blank screen after loading. I contacted XXXX via XXXX to find out what was going on. They suggested I call the number on the back of my card. I have tried calling four times. Each time, there would be a ring then dead air, followed by an automated message saying my call couldn't be completed due to technical difficulties. There is literally NO way to make a payment. And Comenity is responding to complaints with a blanket statement, and saying that they have no idea when their online system will be running again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2022, I received a payment from XXXX XXXX via Venmo account for the amount of {$1800.00}. The transaction was successful and I was able to transfer the funds to her son for a payment of rent. A month later, I receive the email from a Venmo account about a chargeback claim being filed by the sender 's card issuer. I called my bank to ensure there was no case opened on my end. Next, I reached out to XXXX XXXX, and her son XXXX XXXX to resolve the matter and clarify the chargeback claim made against me. They claimed the chargeback case was illegitimate and/or reversed when I contacted XXXX XXXX for clarification. I quickly reached out to Venmo after the dispute came back not in my favor and Venmo provided no further detail about the case while simultaneously freezing my account and demanding a payment of {$1800.00}. I reached out to my lawyer who concluded that Venmo is operating under faulty business practices by providing false investigation results. Venmo also sent an email saying the " Case has not been worked '' without any explanation. I tried contacting Venmo and Customer Support escalated my case but it's been a week without action or speaking with an Account Specialist to resolve my case. I demand my account be unfrozen and the amount of {$1800.00} refunded as I have violated no policy or terms of agreement. Also, since I was not the sender, I am unable to use the Purchase Protection Feature. Lastly, there were no goods or services being exchanged during this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been in my current home for approximately XXXX  years. Last year ( XXXX ) i refinanced and my loan was transferred to Chase bank in XXXX of XXXX. During the life of my loan, I have never missed a payment. That is why I was extremely surprised to get a call from my bank this month on the XXXX ( XX/XX/XXXX ) alerting me that, not only was I delinquent on my account, but I was delinquent by a month and a half. I immediately logged into my account and saw that on the XXXX, they had invalidated my last two payments. I didn't have enough to pay both payments at the time but I made one ( {$1500.00} ) and said I would call back as I was on a business trip. When I returned, I realized that there had been an error. My XXXX payment hand't gone through ( even though I received a statement and confirmation saying it was ) but my XXXX payment had gone through but was not reflecting on my account. Over the next two weeks I sat on the phone with many agents and once even pulled in the bank of the account I was paying from ( XXXX XXXX ) to confirm that my XXXX payment had, in fact, gone through. I was given all sorts of excuses as to why it wasn't reflected and every time I pulled up documentation to refute a reason, another was presented. To this day, they refuse to apply the payment to my account. So, even though I paid every month on time, this was reflected on my account, and in my statements, I still was charged a late fee and had to pay three mortgage payments in the same month to avoid getting reported to the credit rating agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: MA

Complaint narrative:
This is my second complaint on TransUnion for the same issue. Company " responded '' that the credit score has a fee. I know that. TransUnion cashed my {$15.00} check on XX/XX/2022, which paid them to obtain my credit score, and they still have not provided it. They have had the money for four months. They need to send the score.

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 2022-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of XXXX, my loan was evaluated for mortgage assistance by Freedom Mortgage, as my Covid-19 Forbearance Period was due to expire on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Freedom Mortgage dated XX/XX/XXXX, stating that I was approved for the Covid-19 Owner-Occupant Loan Modification ( FHA Standalone Loan Modification ). I called Freedom Mortgage on XX/XX/XXXX to confirm receipt of the approval letter and to make sure I understood the terms of the offer. The agent confirmed my new terms as outlined in the approval letter received ( attached ) : new monthly payment of {$1100.00} with a fixed interest rate of 2.125 %. Under the new terms, my first payment of {$1100.00} was due on XX/XX/XXXX. I was told that I would receive the loan modification paperwork by mail that I would need to review, sign, and have notarized before returning to Freedom Mortgage, this paperwork was never received for my review. After ensuring that I understood the terms discussed with the agent, I signed and dated the approval letter on XX/XX/XXXX and sent to Freedom Mortgage via email. I was also notified of receipt of the signed approval letter by an agent. 

As of XX/XX/XXXX, I have not received the loan modification paperwork under the terms outlined in my approval letter dated XX/XX/XXXX and my account is still showing a delinquent balance. I have been making the payments of {$1100.00} as reflected in my original approval letter. For the past XXXX  months, I have been diligent in my follow-up to ensure that my loan modification paperwork be mailed to me so that I can send it back for processing and my account brought to a current status. I have spoken to several agents who have been inconsistent in action and communication. I have also made numerous requests to have a supervisor call me so that this matter can be escalated and resolved. To date, I have not received a follow up phone call from a supervisor. 

I received a letter dated XX/XX/XXXX stating that I must cure the default on my loan in the amount of {$17000.00} by XX/XX/XXXX. My latest communication was sent to Ms. XXXX XXXX, an Escalation Specialist on XX/XX/XXXX via email. I have requested that she call me to provide an update on the status of my loan modification and my concern over the cure letter I received to cure the default on my 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 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
The comenity website is down. I am unable to log into my account or get the easypay option to pull up my account. There is no way to speak to a live person. The phone number plays a recording and hangs up. No payment option provided by this company is working. They have no way to even be contacted. Please assist me with a payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Lender Executor, Administrator, holder in due course, for any and all derivatives, thereof for the surname given XXXX XXXX, XXXX XXXX and have been appointed and accepted the executor, both in public and in private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX, XXXX XXXX and autographed as an agent, attorney in fact, so be it ; I decided to applied for the TJX rewards master card in good faith and was denied. This corporation is out of line, as the original creditor I, the natural person, am the only original creditor, and the only one with power to created and discharge debts, this company denied me my right of credit Under the FDCPA this is a violation that carries civil liabilities of any and all actual damages. I am well aware of the United States Code ( which are federal regulations that must be followed by all corporations. Also I have provided a reference to the Code of Federal Regulations, which the person d/b/a SYNCHRONY BANK is in violation of. 
here is an enumerated list of codes they are in violation of : 15 U.S. Code 1681k ( 1 ) // 5 CFR 752 - adverse action 15 U.S. Code 1692 a ( 4 ) // original creditor 12 U.S. Code 83 ( b ) // banks can not lend their own stock 12 U.S Code 1431 // a banks job is not to extend credit 12 CFR 1026 // truth in lending, Regulation Z 15 U. S. Code 1692k ( a ) ( 1 ) - civil liabilities. 

application number for said denial is : XXXX This company has injured my reputation ( my consumer report ) and has tarnished my good name. Has deceived and misrepresented my name and has had a hand in the perpetuating the fraud and deceit that exist in the sovereign land of The United States of America. All of these actions carry civil liabilities for any and all actual damages. 
this is also and " unlawful contract '' since a lawful contract involves factors such as : Full discourse, equal consideration, lawful terms and conditions, wet ink signature of both parties. since there is no statue of limitations on fraud, and this company has not provided nor has a remedy in mind to offer me I will list the expected remedy that I seek. 

these are just some of the federal regulations this company has violated, when the letter In the Mail arrives I will be sending this company an affidavit of truth with an invoice and these papers will be notarized should you choose to challenge my demands. I will be expecting some form of rebuttal or to be heavily compensated by check.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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