vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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:
Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and Experian as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks

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 2022-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: WA

Complaint narrative:
My last payment was in XX/XX/XXXX. I have struggling throughout the pandemic and am on the brink of homelessness. I called to see if I could pause payments for 6 months and get a forbearance to bring my account current ( XXXX past due ). After being transferred around to three different reps asking the same questions and also asking for private information not related to the loan. Ex. If I have any interviews scheduled. Sallie Mae rep stated the only option I had was to pay. I have no money. I am about to be living in my car. Sallie Mae then stated again I have to pay. I stated again I have {$0.00}. They said there were no other options. I asked them what would happen with this loan if I died, since my XXXX father cosigned- if they would come after him. The rep stated that the loan would be written off. I replied with " I guess there's not No Options then '' and hung up. 

Sallie Mae called the local police to go out to my home and harass my XXXX father and myself at XXXX at night under the guise of a " wellness check '' The police demanded entry to my home and grabbed the security door knob twice trying to enter. The officer said that " she called and said you told her you were going to kill yourself '' which is a blatant lie. Sallie Mae rep called and lied to the local pd. Who not only attempted to enter my home, harassed my XXXX father and had their hands on their guns the entire time. Luckily, I know my rights and they left without incident. 

They stated the phone call was recorded so there's a record with them. I didn't record it myself but will be recording everything from them going forward. 

Orginal loan amount : XXXX Original disbursement date : XXXX Repayment since XXXX Current balance : {$8500.00} 86 days past due Last payment received : XX/XX/XXXX Amount of last payment : {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
unauthorized hard inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Global Lending Services LLC
State: GA

Complaint narrative:
unauthorized hard inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

1. XXXX funding sent a letter of validation with no response account XXXX. 
2.XXXX XXXX XXXX account XXXX XXXX XXXX 3. XXXX XXXX  account XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

1. XXXX XXXX sent a letter of validation with no response account XXXX.

2.XXXX XXXX XXXX  account XXXX XXXX XXXX  3. XXXX XXXX account XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We Received a Wire Transfer. Well Fargo is Holding our Funds after 2 months

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 2022-04-19 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:
My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '

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 2022-04-19 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:
My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 
I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of.

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '

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 2022-04-19 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: MD

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX  # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

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 2022-04-19 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
unauthorized hard inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MD

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF EDXXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

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 2022-04-19 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: MD

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX**Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

Company response to consumer: Closed with explanation