vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Somebody opened a Victorias secret credit card under my name and is spending outrageous amount of money on that card. This person has spent a total of {$880.00} and it is ruining my life and credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
A person from a phone number of XXXX on XX/XX/2022 at about XXXX EST called and asked to speak with me. When I asked who was calling the person gave a personal name and did not identify themselves as calling on behalf of an organization. I refused to confirm my identity, and I asked them why they were calling, and they repeatedly stated in a rude and aggressive manner that the matter they were calling about was a sensitive matter and could only speak to XXXX XXXX. Not once did they give the name of the organization they were affiliated with and the number itself appears to be spoofed number. I looked up the number and it appears to be associated with Nelson Cruz and Associates- and appears to be an " asset recovery '' organization. Their number appears to be XXXX and they appear to be located on XXXX XXXX XXXX, XXXX XXXX in XXXX, Texas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens One failed to process a change of insurance that was submitted via XXXX back in XXXX or XXXX. XXXX billed me via my auto insurance policy after 2 months of not receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NY

Complaint narrative:
I no longer respond to the many phone calls I get daily from Aspire as I don't understand how my federal student loans magically turned into private loans. They call everyday telling me that my loan has been in default since XX/XX/2022, which is incorrect because my federal loans were in forbearance for the past few years. This company has been calling me nonstop suggesting that they will help me with a payment arrangement with many kinds of programs like forbearance and income-based repayment plans and if I don't comply, they will garnish my pay, I'll be in default and my credit will be ruined and the government will take my tax return if I don't comply. I don't understand how they became my federal student loan servicer. They harass me EVERYDAY, any help in this matter would be appreciated.

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 2022-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: SD

Complaint narrative:
XX/XX/XXXX, XXXX I applied for a Heloc through my lender 's app. Guaranteed Rate. I was denied. I called XXXX to inquire as to why I was declined. I have excellent ( over XXXX ) credit scores. I have very little debt. When a man ( XXXX ) answered, he put me on hold and when he came back after checking on my application, said I was declined due to " a county land use code that we do not accept. '' I had never heard of such a thing and asked for more information. He said the code was " NEC or Not elsewhere classified '' and that they don't do loans on properties with that code. I said I lived in a residential neighborhood in a single family home, and asked what would be considered a " normal ' code. He replied single family. I said that I thought there was some mistake. He said I would need to call my county to get it corrected. We hung up.

I called the County assessors office and spoke with XXXX She confirmed with her superior that my property is indeed coded with the county as " Single Family Residence ''. She offered to email me the property card to send on to the processor at Gauranteed rate. She did email that to me and we hung up. I called back immediately to the above XXXX number for guaranteed rate. This time after waiting for an answer for 15 minutes I spoke with " XXXX ''. I told him that I had an email proving that my property was not coded as NEC, but Single Family. He said there was nothing he could do. The information they get can not be changed. I asked how that is legal. They are offering financial loans to the public but they don't have to use correct information to process that person 's application? That doesn't seem right. I asked for a superior to call me back. He said there is no one that is a superior. That he literally had nothing other he could do for me. I again asked how I was to correct this mistaken information if the county had nothing to change? I asked to send him the property card by email. He said that there would be nothing he could do with the corrected information or the property card and the final comment he had was that this happens to A LOT of people that are applying and there is literally nothing they can do. This sounds like a company that has an algorithm set up in their approval data to lend to only a certain demographic that maybe my neighborhood is not part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named LexisNexis. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Hard Inquiry NAVY FCU XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 I did not apply to either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation.

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?

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 2022-10-11 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: GA

Complaint narrative:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. 

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
In accordance with the fair credit reporting act XXXX account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a 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
Consumer complaint received 2022-10-11 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:
In accordance with the fair credit reporting act XXXX account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a 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 2022-10-11 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: LA

Complaint narrative:
I tried to submit a dispute with Transunion online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and XXXX. This same collection was removed once before on my Transunion on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.

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 2022-10-11 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-11 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For some reason, the last day I was able to get my Credit score and Report was on XX/XX/2022, after this day my CREDIT REPORT WAS WIPED OFF. No credit score, no credit report. The next day it shows One account opened. I called several times to find out what the issue is and to file a complaint about it. The only thing the Reps and Supervisors did is to file a report and they will send it to technical support. Today XX/XX/2022, my middle name was changed, so what happened? Called and spoke to XXXX and he will file a report to update with the right personal information. 
XX/XX/2022, Spoke with Supervisor XXXX, he said will file, fill out a Form request and send it to the Technical dept. He reviewed my credit report and mentioned that for some reason my credit report is available thru XX/XX/2022, then everything is Blank, and has no explanation as to what happened. 
XX/XX/2022, per XXXX XXXX recommendation to close my account and reopen it, she said that might help, but still same issues, NO CREDIT SCORE, NOT A SINGLE ACCOUNT ON MY CREDIT REPORT. 
On XX/XX/2022, I spoke to XXXX XXXX, to check the status of my complaint, so after being on hold for 6 minutes she asked for my personal information and a Supervisor who will call me back, SO NEVER HAPPENED. So, every time I called them, I'm just back and forward, and Experian not able to help. Their system and technology are vulnerable to anybody and can make our lives as consumers MISERABLE if our information when into the wrong hands. As a consumer I expect, demand and EXPLANATION, FIX THE ISSUE, and to be COMPENSATED for all problems they are causing, including my frustration, health, and time spent.

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 2022-10-11 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-11 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: TX

Complaint narrative:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the 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. 

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 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 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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
The recent transfer from Fedloan to XXXX  took place in XXXX. The transfer amount from fedloan was around XXXX USD owed. The amount on XXXX  is XXXX USD. I contacted Fedloan and they were unable to view any transaction history. I have made several payments over XXXX USD throughout my 8 years in college. The website says no biling information is recorded. I am speaking to a representative of Fed Loan XXXX XXXX ) and she has no transaction history to display and can not find a way to get me that information. XXXX  doesnt have history payment and neither does fedloan. Where did my documents go and why do I no have access to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
XXXX This debt was paid by XXXX and the rest owed should be billed to XXXX XXXX ID : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Nelnet loan servicer has lost my income-driven repayment application. The customer service representative suggested that I give a verbal application via phone call. They did not send a confirmation after the conversation was complete and my verbal application did not save to my account.

Company response to consumer: Closed with explanation