vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
After multiple calls and emails finally, my account is current. XXXX was able to resolve the delays in the process of applying the payments. My monthly payments were always received on time. Unfortunately, the mortgage company report my account twice to the credit bureau even when they know that XXXX was trying to resolve the delays. I call and explain this matter to a customer service team and with loss mitigation but until today my credit report is showing me the delays and my score went down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Name ZIONS DEBT HOLDINGS LL Address XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX is stating I owe a security system bill contacted collections company was sent a copy of contract. This is not my account never lived at indicated address. Also the contact phone number and email address is not mine. Finally the name on the contract is not mine This is making a negative impact to my credit score. Please remove never used this service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies

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 2023-04-24 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: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against XXXX and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The West Central Collection account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for West Central Collection in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by West Central Collection or any other entity, despite my requests for verification.

I have attempted to dispute this collection account with West Central Collection and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and XXXX credit reports immediately. I also request that West Central Collection cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against XXXX and Transunion regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and Transunion credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX and I went through the first time homebuyer program called XXXX and XXXX XXXX located in XXXX, Florida, and the coordinator was XXXX XXXX. I owned my own land and received a FHA construction loan, and built a home on my own land. My loan originated as a FHA loan, The original loan was with XXXX, which is now out of business. My loan has been transferred at least 8 times and during a plethora of transitions of the loan, the loan was converted from FHA to Conventional without my knowledge. 

How I was aware of this debacle is when Selene Finance had my loan in XXXX, and then it was transferred to XXXX XXXX, which is now back to Selene Financing XXXX. I have endlessly been fighting to rectify this. I have come to a conclusion as to why my loan was transferred from FHA to Conventional and was attempted to force into foreclosure. I feel that I have been discriminated against due to economic disparity, race, being a single mother, which are grounds of violating my rights which is Title VII of Civil Rights Acts of XXXX  which is the Fair Housing Act. I will send the original Mortgage note upon request. 

On XX/XX/XXXX, I called Selene Finance and spoke to XXXX in customer service and stated to him that Ihave received a letter stating that the loan will be transferred to XXXX XXXX on XXXX XXXX. I also stated to him that the letter was dated XX/XX/XXXX, and that I received this letter through U.S. mail on XXXX XXXX. Furthermore I stated to XXXX to review the Mortgage documents and the note and he agreed that on the documents it clearly states that this is a FHA loan. As evidence, I requested the caller id number which is XXXX, and the call was recorded. By law, your Lender has to inform the borrower that the loan will be transferred. This company is very unprofessional and practices very questionable lending practices. I filed a complaint with concerns with Selene Finance in the past about this companys practices. Attached to this letter is evidence pertaining to my loan. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
filed XXXX  XXXX in XXXX, Santander who holds the loan for XXXX XXXX XXXX, that was purchased in XXXX, refuses to disclose any account information to me, I have called several times, and have spoken with different people, I received an email from my attorney on Thursday XX/XX/XXXX to reach out to them and I did, talking to XXXX ID # XXXX, she informed me that she did not have to disclose anything, in the email from the attorney I am being told, that a " motion to dismiss '' is being filed, and I do not know why this is happening, I do know I have paid more on these car in the past three years than would have been recovered in a XXXX  XXXX, also, in XXXX Santander was sued due to high interest rates ( mine was 28.9 % ) that was charged and in the settlement people accounts was closed or interest rates made was modified, ( mine was modified in XXXX when bankruptcy was filed ) I was told I would not receive information on that either in the settlement, it states that if the car repossessed ( and mine was ) that we should have been notified and I was not, I filed to get my car back and get back on track with payments. If the " motion to dismiss '' my case is granted, Santander is stating money is owed and this is impossible, payments was made prior to the bankrucy and three years later are still being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Some companies are reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.

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 2023-04-24 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: FL

Complaint narrative:
They're reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.

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 2023-04-24 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:
XXXX XXXX XXXX 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 2023-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Net creditXXXX XXXX check my credit and made an inquiry XX/XX/2023. I never applied for a loan of any kind in years. This is a fraudulent application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: MI

Complaint narrative:
First progress credit card company closed my account and never returned my security deposit of XXXX dollars After I rescission of contract because an unauthorized user found my card and accessed my funds this is a breach of contract and I deserve monetary relief for damages and my security deposit returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I submitted a dispute for a {$740.00} purchase from XXXX. I explained that XXXX delivered me the wrong product ( it was not the product described in my order, but a different product ) and refused to refund the purchase or to send me the item I actually ordered. 

Alliant Visa just sent me a letter claiming that I did not provide sufficient written evidence to support the dispute

. Ho wever, Alliant did not request any additional details from me, despite my contacting them on multiple occasions to determine if they needed anything from me. This is not the first time Alliant Visa has conducted itself in this manner with disputes ; it is an established pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: OK

Complaint narrative:
I sent letters to TransUnion, XXXX and XXXX on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.

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 2023-04-24 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: OK

Complaint narrative:
I sent letters to XXXX, XXXX and Equifax on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-04-24 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: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-04-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Someone has continuously hacked into my American Express account and opened up a credit card in my name and changed all the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
I've reached out to Transunion several times in regards to incomplete and inaccurate information that has been reporting to my credit report. Here are the dates they were contacted in regards to this matter : XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX. Mail was sent via certified mail, return receipt requested. Transunion has ignored my request and have not provided the steps taken to determine how, who, when, where, and what took place in order for them to verify the information in dispute.

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Someone has tried opening a checking account with Bank of America three times in the last 6 months. They are using my name and email. I keep getting emails wanting to confirm my email address. I then do receive a follow up email saying account has been denied. I am getting tired of having to call every time. I need my name and email address blocked or flagged so this doesn't keep happening. 

I already have a credit freeze enabled through XXXX, but apparently these bank account openings are getting by that Freeze??? 

Last date was XX/XX/XXXXXXXX  Others happened in XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I am filing this complaint to Experian I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-04-24 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: MN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with explanation