vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: IL

Complaint narrative:
I did not authorize these creditors access to report to my credit report. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # 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 2023-03-08 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: IL

Complaint narrative:
I did not authorize these creditors access to report to my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX Issue 1 : XXXX has discontinued/stopped reporting all loan payments to the three credit bureaus, Experian, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On or about XX/XX/XXXX, this mortgage has been sent to the XXXX XXXX XXXX XXXXXXXX due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account. 

I am filing this complaint to enforce XXXX to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at Experian, XXXX, and XXXX. 

Issue 2 : XXXX has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my XXXX mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested XXXX to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account. 

On XX/XX/XXXX I received an email from the XXXX XXXX XXXX XXXX stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, XXXX is unable to remove the internet stop on this account. As such, the online payment option will not be available to me. 

I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally XXXX should be reporting to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. 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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
Currently, I am XXXX and I was notified via people checking my house and mail that a notice was sent to me stating a certified letter had attempted to be delivered. After someone authorized to call, notified me that the company was suing me in court. There is no way I can respond nor can I retireve a certified letter mailed to me while XXXX and I fall under the SCRA. A copy of my orders was sent to the company suing me via email however no response and it was stated in the email that I was XXXX and orders are proof of dXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Remove old obsolete accounts. 

Remove XXXX - XXXX XXXX According to my record, the date of my first delinquency was XX/XX/XXXX, and the fall-off date is XX/XX/XXXX. 

It has been on my credit report for 7 years and 9 months. XXXX and TransUnion refuse to remove the account. 

XXXX has removed the account. Why are XXXX and TransUnion continuing to violate the fair credit reporting act?

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-08 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: LA

Complaint narrative:
Notice Before Arbitration I have the following ISSUES : I have disputed ( online ) each of the following accounts, stating they DO NOT belong to me. There was no action taken to rectify these inaccuracies being reported on my credit. On XX/XX/XXXX, I then sent in formal letters to Equifax stating not only did the following accounts not belong to me, I provided a copy of my identification as well as a bank statement, AND I requested that each of the accounts being reported on my credit to be verified. I requested transactional history, agreement and original contract, and ledger for each of these accounts listed below. Still to no avail ; these accounts have yet to be removed from my credit report. I have endured significant financial setback, and severe emotional distress due to inaccurate accounts consistently being reported to my credit. According to 15 U.S. Code Section 1681, MY RIGHTS HAVE BEEN REPEATEDLY VIOLATED and my attempts to rectify this matter have been ignored. Even after I have provided substantial evidence showing my identity and address. 

INNACURATE ACCOUNTS BEING REPORTED : -XXXX XXXX ACCOUNT : XXXX BALANCE : {$590.00} DATE : XX/XX/XXXX -XXXX ACCOUNT : XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX  XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX ACCOUNT : XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX XXXX  ACCOUNT : XXXX {$0.00} DATE : XX/XX/XXXX In Order to Resolve This Issue Amicably, I AM Requesting PAYMENT and Deletion for each of the above referenced accounts 15 days from the submission of TODAYS DATE : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX 2023, i uploaded the required documents to add a bank account to transfer money in Venmo to my bank via chatting with XXXX XXXX ( a Venmo chat representative ). 

On XXXX 2023, Venmo email me that my account is suspended. 
I replied to that email and did what the email said and Venmo did not respond at all by email or call. 

On XXXX, I decided I wait enough already and chat with Venmo rep and no help provided to solve the suspended account. I asked for a reason why my account is suspended and no reason provided. 
I called, email, chat and no help from venmo to solve this accound suspended. 
I can not close account either. 

I need help transfer the {$30.00} out of the Venmo account to my bank or Venmo can send me a {$30.00} check. 

This is a simple problem that can be solve quickly. 

thank XXXX XXXX phone XXXX email XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security, finance pulled too hard inquiry on my credit without my permission, i called them an asked to take off, in which they stated its in there policy. Its against the law to run someone credit without there permission. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNCOAST CREDIT UNION
State: AL

Complaint narrative:
I received a debit card in the mail for an account I never opened with Suncoast Credit Union in XXXX Florida. I have had all three of my credit agency reports frozen for some time and a fraud alert active until XX/XX/2023. When the consumer help person said that she couldn't help me because my mother 's maiden name really wasn't my mother 's maiden name, I become somewhat annoyed. I finally spoke to another individual who informed me that an ID package would be Emailed to me. My question is " How did someone manage to open an account in my name when all of my credit agency reports were frozen and I have a fraud alert in place? They couldn't answer that question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Hello, in the month of XX/XX/XXXX I went into a bank of America Branch at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a XXXX inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the specialist re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my XXXX file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the XXXX XXXX department, and they told me I'd need to dispute the information with XXXX and it will then come off.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XX/XX/2023 - Notified by credit alert that XXXX XXXX had reported mortgage payment ( XXXX ) over 30 days late. This caused a huge drop in my credit scores with all three credit agencies ( Transunion, XXXX, and XXXX ). I have a copy of letter from bank that mortgage payment was mailed on XX/XX/2023 via check direct to XXXX from bank. 

XXXX XXXX has refused to acknowledge payment was received by XX/XX/2023 and their company did not process the payment. Customer has a solid payment history and has never made a mortgage payment over 30 days late to XXXX. 

If there was a problem with the payment, the right thing to do is contact the customer, especially a customer with an excellent payment history, before automatically reporting a payment over 30 days late to credit reporting agencies causing 7 years worth of credit damage for the consumer. 

XXXX XXXX should remove this incorrect and unfair late payment report from this customer 's credit reports.

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 2023-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc.
State: MD

Complaint narrative:
I downloaded the Solo app and signed up as a lender in XXXX of XXXX. My wife started lending a few months after I did and had her own account. 

With the app I was able to lend small loans to people for a period of 15 days in amounts up to {$500.00}. I started to track my loans in XXXX of XXXX after I noticed that all of the loans were not being reported and I was missing money. I reached out to solo on several occasions requesting an audit of my account and it was never done. fast forward to XXXX of XXXX, my wife received an email notifying her of an account audit and that she would be receiving a total of {$1900.00} as a result of the audit on her account. My wife lent a total of {$300000.00} while using the app. After seeing this, I reached out to solo to ask when my account would be audited. On XX/XX/XXXX I received an email stating that an account audit will only be available for users who received the email. I have not received any further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that have been reported inaccurately and have caused significant emotional distress. The following accounts are in dispute : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX Charge Off account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Collection Account XXXX  XXXX XXXX Account I am requesting that you investigate these accounts and remove any inaccurate information that has been reported. The following laws have been violated with these accounts : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Fair and Accurate Credit Transactions Act ( FACTACT ) The Truth in Lending Act ( TILA ) The Real Estate Settlement Procedures Act ( RESPA ) The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Billing Act ( FCBA ) I am also experiencing emotional distress as a result of these inaccuracies. It is causing me a great deal of stress and anxiety, and I feel as though my reputation and financial well-being are at risk. I am requesting that you take swift action to rectify these inaccuracies and restore my credit report to its proper state.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation