vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: DigniFi
State: CA

Complaint narrative:
On XX/XX/2022, I received an alert from XXXX that my XXXX XXXX has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXXDignifi , and when I contacted them I was told that I had opened the account in XXXX of 2022 and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). XXXX also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with XXXX was ongoing, someone hacked my XXXX account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with XXXX but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the XXXX system and which is not mine is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: NC

Complaint narrative:
Greetings CFPB! 

I have recently filed a complaint with *TransUnion XXXX XXXX XXXX Inaccurate and questionable information reporting on my credit file. I received a response from *TransUnion* applying that I had or have a " properly authorized third party '' Speaking upon my behalf~ Which really blows me. I have taken ALL the proper measures to work and clear up my credit line~ Attending courses doing proper research etc ... Understanding that my family & I future can be at stake when you have major mistakes & inaccurate information reporting against YOU. I would like to share this~ I am more than capable of disputing and handling my credit file ... To clear matters there is absolutely " NO '' third party or credit repair agency speaking on my behalf. I have attached a copy of my hand written letter along with a copy of my credit report/identification/ TransUnion Response. I am requesting my credit report be updated & any *INACCURATE* Information be *REMOVED*

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: FL

Complaint narrative:
I have called Netspend several times Over the coarse of 2 to 3 months regarding fraudulent activity on my account. Ive had almost XXXX representatives lie to me, Ive had representatives hang up on me and put me on hold instead of filing the charges. As of today, Netspend has told me that the fraudulent activity on my account was me! This is ridiculous and it is fraud at its finest. This company does not need to be in business. The charges were as follows I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Amount Merchant Name {$53.00} XXXX XXXXXX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXX/XX/XXXX {$16.00} XXXX XXXXXX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$93.00} XXXX XXXX XXXX FL XX/XX/XXXX {$23.00} XXXX XXXXXX/XX/XXXX {$240.00} XXXX XXXX XXXXXX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$130.00} XXXX XXXX XXXX FL XX/XX/XXXX {$80.00} XXXX XXXX XXXXXXXX MA XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$81.00} XXXX XXXX XXXXXX/XX/XXXX *NETSPEND PURPOSELY HAS REPRESENTATIVES MESS UP CLAIMS JUST TO DENY YOU AND TELL YOU THEY ARENT FRAUDULENT. I will be seeking a lawyer.

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 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I was approved for the XXXX Assistance XXXX program. Past due payment was sent from them in the amount of {$2400.00} on XX/XX/XXXX the forward payments begin XX/XX/XXXX. I provided the award letters to my mortgage provider and have called several times about the past due payment that they should have received and unfortunately get different answers every time. And I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but Equifax and XXXX has continued to state its accurate. Under the fcra guidelines, once XXXX bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC XXXX states I have the right to privacy 15 U.S.C 1681 SEC 604A sec XXXX. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
on XX/XX/2022 I notify BARCLAYS BANK DELAWARE of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. XXXX has not replied at all.

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 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My loan was sold to selene financial. I sold the house. I had to pay my property taxes again at closing even though I had already paid it in escrow. I called selene finance and changed my address with them so they could send the refund to the proper place. They would not discuss the repayment amount when I called. They just demanded that I wait the proper time for them to issue a check with my refund. They finally sent the check to the address of the house I sold. I no longer live there or have access to the mailbox. I called to have the check reissued. It is approaching 2 months since the house was sold. I had XXXX double pay the taxes and are still waiting on them to refund me. 


I can't get through their automated system sometimes as I no longer have an active loan with them. So it does not recognize me. Also each time I call I get a difference response of what is going on. 

The agents have been ok for the most part but I should not have to beg this company for a refund that I had to double pay. The house has been paid off in full. But I have not been refunded the money I overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, 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 non-monetary relief
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed Transunion removed the account but XXXX and XXXX has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but XXXX and Experian has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623

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 2022-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
To whom it may concern : I am a federally protected consumer and I am writing this complaint myself. I have been attempting to resolve my concerns with Fed Loan Servicing since XX/XX/XXXX and have not received the requested documents or response Ive requested. I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an email stating my documents were received but never received anything else. My request includes the original instrument of indebtedness, account production, and general ledger. I have only received copies of the consolidation request not the contract signed by both parties nor an invoice. Recently, I received an email stating that my loans have been sold without my consent and still no response to my initial request. My loans should not have been transferred especially after not honoring my request. FedLoan Servicing has had ample time to provide the items requested and the loans should be discharged d/t non compliance and not honoring my request as a federally protected consumer. Assistance with this matter will be greatly appreciated. Please see the attached correspondence sent to FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TN

Complaint narrative:
As a product of a security breach I have fraudulent information reporting on my report. Attached will be a copy of my FTC report and ID

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 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 there was XXXX withdrawals from my account on for {$110.00} and the other for {$110.00}. I had moved from XXXX  to XXXX  on XX/XX/XXXX. I checked my balance on XX/XX/XXXX it was a Saturday and called the number for BMO Harris Bank immediately that Saturday to report these charges and have them stop them because it showed they were pending. BMO said they would look into this matter. They said they would cancel that debit card and send me another one. Had to call again on Monday XXXX they did not stop the transaction. So they said they would put the money back and investigate the matter ma month later I checked my account because I was very upset with BMO because they never sent me a new card and I was now living in XXXX  and there is no BMO banks in XXXX  so I could not go into a local bank. So when they removed the money from my account overdraft. So now they say I owe {$270.00} dollars to them for the funds and fees. I called BMO again and they informed me that they did not find in my favor. I was very upset and asked them how they could not have found in my favor?. They informed me that the mercant told them I order diet supplements and had them delivered to a address in XXXX. I asked what the address was and the gave me my aunts address. I said we'll that never happened and nothing was ever mailed to her house. I explained to them that the investigator should have verified that information they should have check for a tracking number and followed up with fraud charges against these people. I was not only violated from a scammer but by my bank as well.I appealed the decision and that is when they were suppose to send it to the appeals department. The lady took my aunts name and phone and took my phone number and said a lady investigator would be contacting my aunt and myself. No one ever got ahold of us. I started getting notices about my account being over drawn and they are going to send me to collections agency. I called BMO bank again a couple days ago and they informed me there that there is nothing they can do to contact the police depart. I thought banks are there to protect us against things like this. I have been victimized twice now. Thank you.

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 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Auto Finance. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on credit report.

Company response to consumer: Closed with explanation