vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: IN

Complaint narrative:
We started a loan application with Third Federal on XX/XX/XXXX they did not provide their XXXX until XX/XX/XXXX, failing to comply with disclosures by day 3. 

Throughout the process, certain information has been shared that would be within Third Federal 's underwriting guidelines since they don't follow XXXX or XXXX, their team including their XXXX XXXX, didn't seem to know those guidelines, which at this point now have caused us to try to shop with another lender and rates have increase by at least XXXX to XXXX since we started this application. 

Their management has been unresponsive, I have tried to submit complaints but no response from their compliance team. 

on XX/XX/XXXX a new borrower was added since they didn't provide certain information about qualifying and as of today as of XX/XX/XXXX a revised or new XXXX wasn't sent out. This is causing monetary losses as well as potential fallback with the sellers of the house we are looking to buy. Asking the CFPB to step in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Original CFPB complaint XXXX Transunion sent a certified affidavit stating they verified a public record listed within my consumer with the court. Transunion violates the FCRA by sharing my personal information, which they purchased from a 3rd party without a permissible purpose. I've also attached an affidavit from the XXXX XXXX certifying they don't report any consumer info to CRAs. 


This a clear infraction of the law, and I demanded action be taken! 

The court letter I've attached directly refutes the claim by Transunion that this data source reported any information to this.

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 2023-05-26 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: FL

Complaint narrative:
XXXX XXXX has and continues to report negatively on my credit. I have disputed this issue far too many times and XXXX XXXX still refuses to address the issue and as well XXXX fails to remove it off the report even though the other two bureaus have. 

Additionally, XXXX XXXX has officially close their doors and XXXX is the new owner of XXXX. I have been in contact with XXXX and they are not able to find the account and the Department of Education has still proven that the loans are 100 % discharged. If XXXX is no longer and business and XXXX can not find the account, it must be removed off the credit report as the loan does not exist and on the basis, they have been discharged. 

This is a final notice for the removal of the accounts from the credit report.

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 2023-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage company transferred my mortgage and to a new company. I did not receive any correspondence regarding the transfer. I usually do automatic payments, so I thought the payment was taken from my account. However in XXXX I received notice that I missed XXXX payment. And that I have to create an account to make payments. I was now 1 month behind. I did an application in loss mitigation and was told that it wouldn't affect my credit, they set it up so I can pay whatever I can when I can. In XXXX I received a call to call my mortgage company, I did and was told that they need additional information. I sent the information while I was on the phone, they needed bank statements and pay stubs. I didn't hear anything more from them and I have been making payments, and caught up on the one month. I applied for a cash out refinance only to find out that they did report me to the credit bureau. I called they to inquire about it, and was told that I didn't submit documents that were requested. I did not and have not received any correspondence from this company neither text, mail, email, nor phone calls. 
I told them that their representative gave me incorrect information and now it's affecting my refinance application. They just shut me down. I need help getting the negative report from my credit. 
I have never had a late mortgage payment since I bought this house in XX/XX/2020. All this happened because of the transfer.

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 2023-05-26 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-05-26 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : 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 than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/XXXX a navy Federal Credit union Bank ( NFCU ) account was opened under my name I immediately took the card and letter to the NFCU the account was closed but on XX/XX/XXXX there was a {$700.00} of purchase made but it got declined. I went back to NFCU on XX/XX/XXXX I was told that the account was opened on line. A XXXX police report was made on XX/XX/XXXX also a report was made by NFCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
XXXX XXXX in XXXX, Nc denied me a loan i was qualified for. I think the branch XXXX name there is XXXX. and there is also XXXX. here is the thing, i kept applying for a loan with that branch earlier this year and late last year. each time i applied online and a few times over the phone. i would wait 30 days to apply again. when i waited 30 days, which is when they told me to wait to reapply, the branch XXXX at the XXXX nc XXXX told me they just denied me and that i wouldnt be able to get another one anytime soon. i know this because i was finally able to get a loan with the branch in XXXX nc, the same day i called the XXXX branch, who refused to run my credit. i want nothing to do with this scam of a company period. ive reported them to the nc doj, the XXXX branch for their high interest rate and the XXXX branch for being dishonest and discrimination on me getting a loan after it was for more than 30 days that i applied previously. this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My wife and I currently qualify to have our joint consolidation loan separated under a literal act of congress passed last year and we qualify for public service loan forgiveness ( PSLF ) as of several years ago. Our loans, under the law, should already be separated and forgiven. ( I fully understand that Department of Education ( DoE ) plans to have a fix by late next year which is not nearly soon enough. ) I had contacted my servicer ( Navient ) and they initially gave us three 2-month administrative forbearances while waiting for DoE to follow the law and separate or loans. Meanwhile DoE has provided some information indicating that we should contact the DoE Ombudsmen to let them know that we qualify and discuss a forbearance. See attached email and paragraph 7 of the web page at https : //studentaid.gov/XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the DoE Ombudsmen office previously and received a boilerplate reply that failed to address administrative forbearance while we wait for DoE to follow the law. I contacted Navient again recently to extend my forbearance and they indicated that they would not be providing administrative forbearance for people in our situation ( people like me who qualify for loan separation, etc. ). I am beyond frustrated that we worked so hard to get legislation passed and now Navient is ignoring the guidance from DoE regarding forbearance eligibility. I need help communicating the guidance at the above link to Navient and providing a path forward to a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 than records of convictions of crimes which antedates the report by more than seven years. 

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

Company 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 2023-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : 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 than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been a Bank of America customer since XX/XX/XXXX, and I opened my account with my XXXX passport. In XX/XX/XXXX, a fraudulent credit card application was filed with my name and social security number. However, this application also falsely claimed that I was a XXXX XXXX. I have never claimed to be a XXXX, and I am currently in the XXXX XXXX. I am concerned that Bank of America updated my XXXX  status when this application was submitted and during the fraud investigation they did not correct it back to XXXX XXXX. I need written documentation showing that Bank of America erroneously put this information on my file and neglected to correct it as necessary, considering false claims to XXXX XXXX  can have devastating effects on XXXX. 
I have contacted Bank of America, including the Head of Consumer Client Services, several times regarding this issue and they have not provided the documentation they told me would be coming when I spoke to them on the phone. I need this written documentation to prove to the government that I did not make this claim in case the need arises. I have complained to the Attorney General 's office for my state and they were unable to rectify the situation.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MD

Complaint narrative:
Prior to leaving for the XXXX XXXX I added {$2500.00} to my netspend card to pay for our resort stay which was {$2400.00}. When I arrived at the resort I presented my netpspend card for payment and it was declined multiple times for insufficient funds. I attempted to use my card directly and with XXXX XXXX but it continued to be declined. I contacted netspend customer service and all the representative kept saying is was insufficient funds but confirmed the amount on the card was {$2500.00}. They said they couldn't assist me with transferring the money back to personal checking account and that I would have to go online to do so. I couldn't access my account without roaming charges since I was out of the country. So I had absolutely no access to my money and the ATM only issued pesos with a fee. I was supposed to use this anywhere in the world they accept XXXX and XXXX but it would not process the transaction. After 2 hours at the reception area I had no choice to hand them my debit card. Now according to the resort they ran through a lesser amount to see if the transaction would go through and then I could use my personal debit card to pay the remaining. Since the transaction would not go through with netspend the resort without my permission charged my debit card the entire amount of XXXX. The next day, Mon XX/XX/XXXX I purchased items from the gift shop at the resort and my netspend card was accepted and also accepted at the airport. Finally I got back in touch with net spend, they said the resort machines would not convert the dollars to pesos. But that is not true because they use the same machines at the gift shop. This caused my personal bank account to process overdraft fees, negative balance and bill not paid. If you can use these cards anywhere in the world then netspend should convert to the countries currency from american dollars.

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 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.

Company response to consumer: Closed with non-monetary relief