vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. Transunion violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Transunion to reinvestigate this inquiry and verify on my consumer report if I have an account with them. 

TransUnion Case # : XXXX ( Remove False Inquiry ) Inquiry name : XXXX XXXX XXXX However, they stated everything was complete and accurate. So instead of them actually reviewing the actual consumer report they have on me they reached out to the XXXX XXXX XXXX to ask is " someone '' inquired to them. But how is that possible if I do not have any listed accounts ( credit card, installment, or anything ) with XXXX XXXX  XXXX. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructions15 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My assistance application with Loss Mitigation with XXXX was completed on XX/XX/2023. I was first told by Loss Mit that the process would take 30 days for an answer, then that changed to 45 days, then 45 business days but until now NOTHING. I have called every week since I submitted the application to get status and keep being told it's still " in review ''. Some agents have stated that the application was incomplete as of XX/XX/2023 while others stated that those agents were wrong and were not sure where they got that information. It's a never ending story with this servicing company! I don't understand why it's been this difficult to get information on an application that should have already been fully processed. Then I'm told that the underwriter or " specialist '' hasn't reviewed the application to make a decision. I have done everything in my power, my due diligence, to try to get this resolved but this company has failed and continues to FAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal account under the email address XXXX was created without my knowledge or authorization, I did not authorize any transactions initiated from this PayPal account. Additionally, my signature was forged on a XXXX package sent for the {$5000.00} transaction referenced in this affidavit, I did not receive any XXXX package or benefit as a result of this transaction. Lastly, online banking credentials have been compromised as the address listed is XXXX XXXX XXXX XXXX XXXX MI XXXX and phone number listed is XXXX, neither of which is my accurate contact information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I had a contract with XXXX for a car loan.. I fell on hard times and was not able to pay for the car. So XXXX repossed the car from me.. and then sold the car ... .. six months later NCB management is contacting me telling me that I owe them for the same car that was repossed by XXXX and charged off my account.. please tell NCB to stop trying to collect on a debt that I have no binding contract to anymore.. and remove that off of my credit report. Asap and any other derogatory mark and nquires off of my report. I did not give permission for any hard inquiries that don't involve credi cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureau never replied within 30 day od this investigation, this is the case number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
I have initiated a complaint on XXXX in reference to my debt settlement account for for my 8 payments of {$280.00} dollars for the eight months I made in payments in the program. I was promised that a portion of money would go to escrow and I was told when I had canceled that I have absolutely none in escrow which is why I left because they did not settle any of my debts and I have been working with them for a year. They promised me that within 6-9 months my accounts would start to be settled, I have missed a few payments which they assured me it was ok but that it would only make my program END date longer, not until the very end did a Meadowbrook rep explain to me that it would cost me upfront fees first before a settlement is reached. Unlike other competitors backed by federal guidelines which will actually reach a settlement before anything gets paid. I was being frauded for upfront fees without any representation of which they also assured me as I was getting sued by a creditor that they would. Last minute they told me I had to file my own response with the court, So I had called again and explained again that I just wanted my money back. I was told I had XXXX cents in escrow and they even robbed me of my last dime and emailed that I had XXXX dollars now in escrow. They manipulate, rob, lie, and also after filing a complaint on here, they made me get on a recording saying that the amount to be refunded was the draft amount that I had asked to be skipped five days before my last payment BECAUSE i contemplated on leaving them for their bad services and practice, and XXXX knowing I filed a complaint on my {$280.00} times 8 months to be refunded back manipulated me into thinking this had to do with a totally different complaint I made prior to opening this complaint up with the CFPB. They aught to be ashamed of themselves. I am sickened they can sleep at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to file a complaint against Nelnet for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with Nelnet since [ year ]. During that time, Nelnet has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

Nelnet has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, Nelnet has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that Nelnet remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. Nelnet has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX XXXX to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my XXXX account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or 15 ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX XXXX. This information was provided on your 10-K filed with the U.S. Securities and Exchange Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Our VA loan was bought out by LoanCare. On XXXX XX/XX/2023, we had a hail storm that damaged our roof. XXXX came out and checked our roof and verified that it needed to be replaced. XXXX cut a check to pay for our roof, which had to be endorsed by the LoanCare. The check was sent to LoanCare and deposited in there account. We submitted all the required paperwork : invoice, insurance adjustor paperwork, W-9, and release of lien. Every time we call them to check and ask when our check will be mailed to us. They ask for more information. They have had our check since XXXX XX/XX/2023 and they still have not sent us our insurance money to fix our roof. All required documentation has been submitted. 

Respectfully, 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 explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DataMax Corporation
State: NC

Complaint narrative:
The debt was paid in full to Data Max on XX/XX/23, I was told that XXXX XXXX XXXX XXXX was who I needed to contact about removing it from my Credit report. 
City of XXXX said Data Max is suppose to be the one to report to the XXXXredit agency 's These two Company are playing game 's with me on which one is the correct one to report to the credit agency for removing it off my report. I'm waiting to close on my house this is the last bit of information needed. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am so disgusted with this bank and lack of follow up! I flied a compliant nearly a week ago - I never received a call addressing my concerns, just an email acknowledging it! I have called and left messages for the contact XXXX XXXX- who still has not called me back at all! My account still remains with a negative balance. I do not carry negative balance and it is not my fault the account went into default! I had made a request for funds to be deposited into my account on the XXXX of this month which was plenty time for it to go through. I never had an issue before with transferring money so this is a banking error. I am starting to think I need to move my money from this bank- seems like service isn't something provided to all clients unless you got millions in your account. This should have already been cleared up by now. This was a system issue as the system failed to even transfer the money at the scheduled 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 monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Attempted to purchase an item online on XX/XX/2023 Total of sale was agreed upon, {$550.00} Request from the seller to use XXXX or XXXX, I opted for XXXX Made the payment and called to release the money on XX/XX/2023 On XX/XX/2023 was notified of additional {$800.00} shipping insurance, which I declined and realized I was getting scammed Called XXXX immediately to cancel payment because MY Truist account showed the payment as pending and the woman that I spoke to at XXXX told me that it was pending in my account as well as who I sent it to, but that I would have to wait until Monday XX/XX/2023 The payment was still showing as pending on Monday. Called Truist and was told I had to wait until the payment cleared, which I did. 
Called Truist on Tuesday and was told that unfortunately the payment was made and that I needed to file a scam report with them, which I did on Tuesday XX/XX/2023. 
Received an email from Truist on Wednesday that I was denied any monetary compensation because I approved the release. 
While I understand my foolishness and take full responsibility, I am very disappointed that I took the steps immediately to cancel this payment and got no help from XXXX or Truist. Please communicate to banks to insure people, most importantly seniors ( of which I am ) that these transfers are final so that others do not get trapped like I did. 
Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: VI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXXXXXX Balance : {$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