vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Our mortgage was sold to Selene Finance at the end of XX/XX/XXXX. We received multiple letters stating that they did not have the address set up to send in payments and that they would inform us where to send the payment. They sent another letter saying that they changed the address for payments and they would not send out late payments. We received no correspondence via email from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX and XXXX XXXX could not open an online account using our zipcode, social security numbers. we tried XXXX times and all attempts failed. The plan was to establish an online account to pay mortgage XXXX XXXX was paying via phone. Customer service was non-existent for the XXXX XXXX  months of the loan ( XXXX to XXXX ) because Selene would not answer the phone nor respond to emails. A few of the emails were responded to a month later. They just installed an auto generated response email that lets you know they received your email. Once we finally was able to speak with a customer agent he helped us set up the online account and that's when we set up auto pay. I discovered that the mortgage was late because all XXXX of my credit alerts went off and I immediately took action and paid the mortgages that day! Theie communication, their technology, their customer service is horrible. We own multiple businesses and are real estate investors. we currently have 4 mortgages and take our credit seriously. when I spoke to an agent, I asked why were we not emailed, called, etc way before this why did it take alerts on my phone to alarm me of this issue. XXXX was making payments via the phone and one of the payments did not process apparently. We believe there was a glitch and our info was not in their system and so the payment did not process Selene will not take any responsibility for their inadequacies and now we have 60 days late reported. we've had amazing credit up to this point in our lives. 
Problems with Selene 1. lack of timely response 2. horrible and non professional customer service ( one of the agents very helpful ) 3. ON boarding process and technology is antiquated 4. Website would not acknowledge customers who had already made a few mortgage payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These unfamiliar inquiries on my credit report are really concerning. I didn't authorize nor consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2024-09-02 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: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-09-02 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: MI

Complaint narrative:
Your company has responded to my complaint with nothing but just an update on the accounts that I have requested for you to remove/delete. I am immensely disappointed because this is causing me huge XXXX and my daily lifestyle has been affected.

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 2024-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Issue with Mohela loan servicer : I got a notice of deferment despite continuing education ( previous loans were for XXXX, I am now in XXXX XXXX  ), so I went to the government 's studentaid.gov site to check the interest rate and saw that interest had accrued. 

In response, I tried to log into my Mohela account so I could verify the details of my loans and check why interest had started accruing. I had my account information written down, so I used the credentials to log in but the site returned an error. I tried again with the log in credentials from the government 's student aid website but that didn't work either. I clicked " Forgot my User ID '' in case I'd incorrectly recorded my information, but when I entered my date of birth and social security number, Mohela 's website said they had no record of my having an account with them. I tried the same thing for " Forgot Password '' and got the same response. 

Because they said they had no record of my account, even though they sent me emails in the past with information about my loan services, I thought that maybe this was in response to their notice of transfer sent XX/XX/2024, so I tried to register with their site as a new user to see if I needed to create a new account to be able to access my loan information. When I did that, all I got was a vague message saying that an error had occurred and to come back later and try again. It did not identify the type of error or tell me what caused the error. 

I tried XXXX times to call the phone number listed in their emails to me, and XXXX more times at the other numbers listed on their site. Each time, I tried to select the option on the phone tree to talk to an agent or to customer service of any kind, and every time that I was redirected to a different department, it wouldn't actually take me to the department but instead start me over at the beginning of the call 's phone tree. I was never able to connect to a real human. After trying XXXX times with the same outcome every time I gave up on the phone actually reaching a live agent. 

I searched up the issues I was having online, and many people said they were having the same or similar issues. A few people recommended trying a different browser, so I did the same. I switched browsers and repeated the steps listed in my second paragraph trying to log in, and continued to get the same error messages. 

How am I supposed to manage my loans if I can't even log in to the servicer 's site, and get no help from their support team? Clearly they know I have loans with them and they have my email address, or else they couldn't continue to contact me about them. It seems like their system is intentionally set up to make me miss out on communications and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adjustment Company Inc ( CASI ) has reported an incorrect debt to the credit bureau which is negatively affecting my credit. The balance the collection agency is quoting was forgiven by the XXXX. I still have the XXXX letters that state that my balance was forgiven. I informed the credit agency of the balance forgiven via dispute on theor website and via email which was not resolved. The collection agency denied my dispute via XXXX XXXX 4 times. They won't remove the incorrect debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: MA

Complaint narrative:
I need to reiterate that this complaint is not something you should just ignore. My credit report has accounts that are not 100 % assured to be of accuracy. These are affecting my credit standing and has negatively affected me and are weighing on me big time.

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 2024-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NC

Complaint narrative:
I need assistance in trying to reclaim my funds that were sent to a scammer using XXXX. I sent a total of XXXX to a scammer who claimed they could double my money if I sent it to them through crypto. I was unaware it was a scam until it was too late.Please find the individual transaction and their history in attachments. 

scammer website snapshot is provided as an attachment.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate information is on account is has not been changed since disrupting inaccurate credit information, names and addressess

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report XXXX XXXX  Account XXXX XXXXXXXX Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXX  Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report.

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame. 

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I XXXX XXXX was approved for a vehicle at XXXX XXXX XXXX XXXX, but was told by the dealership that Santander Consumer USA is requiring me to make a downpayment while my goal is to make a consumer credit transaction were cash isnt involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was notified by XXXX of a collection placed on my credit profile, from TRANSWORLD SYSTEMS INC on XX/XX/XXXX. 
The original Creditor being XXXX. 
It says this account was opened on XX/XX/XXXX and has a past due balance of {$500.00}, as of XX/XX/XXXX. 
When I called TRANSWORLD SYSTEMS INC, explaining that I never opened an account with XXXX, they said this account was actually from XXXX. However, they are reporting this account newly opened in XXXX, trying to restart the process. According to 15 USC 1681 ( e ) b, all account information has to be reported accurately. Being as though TRANSWORLD SYSTEMS INC is a debt collecting agency, they already paid for the debt, meaning nothing is owed. Not only that, but they're not reporting accurate information. I have no contract with TRANSWORLD SYSTEMS INC, binding me to payment, and they can't produce a contract with my written consent, between myself and TRANSWORLD SYSTEMS INC. I will be sending a cease and desist, and have my lawyer sue for defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year> i attempted to open a chase bank checking account with proceeds from a USDA treasury check in amount of {$75000.00}. Were told funds would not be available until XX/XX/year>. Chase account was closed on XX/XX/year> because u.s. treasury check could not be verified as legitimate. My check has been held up since XX/XX/year> and chase does not want to release back to me. Personal Bank & Agents name ( s ) are : XXXX XXXXXXXX XXXX XXXX XXXX Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX. On XX/XX/year> i've submitted this case to the XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Awaiting response from them as of XX/XX/scrub>XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, XXXX XXXX immediately. 

XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally express my deep concern regarding the inaccurate information provided by TransUnion 's rental services. Despite submitting multiple rental applications, I have been consistently labeled as a risky renter due to the scoring systems utilized by TransUnion. This labeling has resulted in numerous denials for rental properties, and I believe that others may be facing similar issues, which could ultimately contribute to homelessness.

I want to highlight that I do not have any evictions, collections, or other negative credit accounts reflected on my credit report. The core of the issue lies in TransUnion 's practice of providing my FICO Score 2, which is primarily used for mortgage evaluations, instead of my FICO Score 8 to landlords who request my rental information. This misrepresentation of my creditworthiness has seriously impacted my ability to secure housing.

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 2024-09-02 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: SC

Complaint narrative:
Im complaining about a XXXX  account # XXXX that 3o days late and is closed. This account was not 30 days late and it was closed in XX/XX/2024. I contacted Transunion and told them that this account was not late and is 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 non-monetary relief