vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BLINCLOANS, INC.
State: MD

Complaint narrative:
XXXX was located on a list of loan companies that cater to federal employee 's and XXXX allotment loans. 

On XX/XX/23 I was attempting to get a loan from them when XXXX of the steps asked me to input my username and password for XXXX 

Knowing that XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is a government system I found it a little disconcerting that they would ask for this information. XXXX, when we employee 's go to access XXXX the very first thing we see is the warning about proper use of government systems. 

They use a system called XXXX. You are supposed to enter your government username and password and then XXXX uses that to confirm access to the site. 

I asked them if this was legit and they said yes. XXXX XXXX XXXX and I have my doubts, So I did not take the loan and I am reporting it here, Maybe I'm wrong and it is permissible... but i would rather report it and be wrong then not report it and something happen to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After the account was frozen, the balance is XXXX the money also was stolen. 
The reason why the bank refused to pay compensation was that the equipment I transferred was the same as the usual equipment, but the money was not transferred by me, and the account was frozen, so I could not transfer it myself. 
I asked if the investigation was wrong. The staff said that it was necessary to prove that the mobile phone had a virus! 
There is also a savings account, where money is stolen back and forth

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 2023-01-10 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: FL

Complaint narrative:
I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXXXXXX : # 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 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
This the only bill I received from XXXX XXXX, that I paid with my insurance this is not my debt, I was not notified of this debt before being placed on my credit bill the only bill I received from creditors and XXXX XXXX is the one Iam sending in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: AL

Complaint narrative:
I requested the credit bureau in XX/XX/2022 and XX/XX/2022 to perform a full " Investigation on every piece of information '' on the account listed by XXXX XXXX XXXX XXXX, which is account number XXXX. 

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % Accurately. And, according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2023-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: SC

Complaint narrative:
I was preapproved for a mortgage through Academy Mortgage for my new build home in XX/XX/2022, they were the preferred lender. I was given conditional approval and satisfied every requirement. I extended my lease where I was staying and was charged an additional XXXX XXXX monthly while I waited while my house was being built. The mortgage company contacted me 1 week prior to closing to tell me they could not make my loan work and was given additional requirements for the loan they wanted me to file XXXX taxes and give them the updated paper from the IRS. I then had to extend my lease 1 month more where I live and completed the requirements, obtaining a tax lawyer to take care of the tax issues. Although I had approval from a different lender, if I switched lenders, I would lose my earnest deposit, pay a {$110.00} fee a day, and lose my closing credit from choosing their lender. I stayed with the lender and was told today they added in a debt that belongs to my XXXX XXXX to my XXXX and no longer qualifies. My family 's lives have been turned upside down by this mortgage company and their negligence in the time frame and the way they handled my mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Academy Mortgage. Although I have asked repeatedly if this is race related as I felt through the whole process that they were actively working against me rather than trying to make my mortgage work. They have put me in an extremely uncomfortable situation as now I have to pull out of the contract from my family 's first home after we watch it being built over 6 months but I also don't have a place to stay because I was given false hope that they would complete my mortgage and I would be moving and have lost my rental because the deal with the owner was to rent to me until my home closed, now I have no home because Academy Mortgage did a XXXX XXXXXXXX XXXX with the way the handle my whole case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
A fraudulent account was created under my name with XXXX XXXX XXXX in XXXX XXXX XXXX which went to collections to XXXX XXXX XXXX. When this showed up in my credit report I disputed it, locked my credit profile, and the debt of {$280.00} was eventually removed from my credit report. Now it appears that the same debt is showing up under a different collections agency, Online Information Services, for the same account/ amount, with the same company XXXX XXXX XXXX XXXX which I have never used for any type of service as I do not live in Texas XXXX I have again disputed this with the credit bureaus and have submitted a dispute with Online Information Services and again with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: OH

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Accoutn name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : 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 an 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, 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 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/22 I was scammed by XXXX XXXX XXXX XXXX XXXX for XXXX, I made a payment with XXXX that is incorporated with my NFCU online account, not the app! I paid the company ; but I did not receive Services. I then tried to solve with company but cant find a lead, then put a claim in with 30 days NFCU and the first claim was denied due no error found, then I requested another review of the 1st denial, with additional information sent inn and it was still denied I offered to get a police report, but the customer service reps said they do not need one..NFCU is not holding up to their part of there contract. " 0 '' fraud liability..My claim was not correctly investigated both investigations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I checked my credit report and found a hard pull from 'ComenityCapital/XXXX XXXX dated XX/XX/XXXX on my XXXX report that I did not authorize nor initiate. I immediately contacted Comenity and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. on XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute on the grounds of fraud with XXXX which was denied. I then contacted XXXX on XX/XX/XXXX regarding the dispute and was told that I needed to contact Comenity to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted Comenity who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau.Currently, the inquiry on my credit report remains, as neither Comenity nor Equifax will take steps to rectify the fraudulent report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
Yes I have several accounts on my credit report that are not mine, along with addresses that are mine along with phone numbers

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 2023-01-10 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: LA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received a alert saying debt is open i have no knowledge of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 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: CA

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-01-10 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: CA

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is still reporting two old XXXX XXXX XXXXXXXX XXXX loan account balances even though the accounts have been transferred to XXXX and is in good standing there. XXXX and XXXX corrected the accounts but Equifax has not changed anything and does not reply to my letters. 

Because the account is showing up twice on Equifax my debt to income is too high to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
if the completeness or accuracy of any item or information contained in a consumer 's fie at a consumer reporting agency is disputed by me the consumer and i continue to notify all three reporting agencies since XX/XX/2023. 
XXXX. XXXX, experian .ive disputed all of the addresses which are wrong also reasonable reinvestigation are coming back lies and violations because no real party is corresponding their oscar system artifical intellegance isnt removing the violations section 611 ( a ) ( 1 ) the addresses and bankrupcy also all collections in accordance to paragraph ( 5 ). " Treatment of inaccurate & unverifiable information the courts letter ive uploaded previously proves my violations against me are 128 days pass remedies

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Bank flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Bank flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber 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 explanation
Consumer complaint received 2023-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX 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 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 XXXX 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 explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reach Financial LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I decided to seek help with my finances. National Debt Relief referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I enter an agreement with them to settle my debt. Everything was all good with them. It wasn't until XX/XX/XXXX that things with left. Someone called stating that one of my creditors were not willing to settle and my credit is still getting worse so we can take care of it for you. Ok was my response at the point I am wanting everything to just go away. So now I am with XXXX XXXX XXXX and a monthly payment is being made. At this time, I was asked to send a notary authorization for 2 of my accounts ( XXXX and XXXX XXXX ). Me not realizing that these 2 accounts were taken care of by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So I start paying XXXX XXXX from XX/XX/XXXX until XXXX. At this time it went from me paying XXXX XXXX to XXXX. I did not receive anything saying that it was a change and now I am paying way more than my bill was at XXXX XXXX and XXXX XXXX which them combine was less than {$5000.00}. So I canceled paying Reach ( whoever they are ) and being harassed by them daily. I feel like right now they owe me because XXXX XXXX and XXXX XXXX were on my original agreement. What I started out owing was less than {$20000.00} ( with the settlements was half of this ). Right now I'm over {$25000.00} with these Reach people. I was trying to get information was unable to retrieve information from XXXX and can not. I do not know who Reach is. I do not want to give them no information. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc
State: GA

Complaint narrative:
Tried to contact the company and speak with the representative, which she ( XXXX XXXX had a very XXXX attitude. I was then told that the debt was validated and it was sent to an address that I have never stayed at. The companies that placed this on my credit report have never spoken with me until today. I tried to get a copy of all letters sent to an address which I don't stay at and I got copies of the letters without my name on it. When I tried to tell her that I don ' t reside there I was told it didn't matter it didn't get returned so therefore the debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

Company response to consumer: Closed with explanation