vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
Today I discovered that Experian has been publishing my employer as " SSDI XXXX '' publicly, which is a violation of federal regulations that protect healthcare information. I have tried to gain access to the records and update them, however this does not repair the damage that this company may have already done, as they have been publishing this information for several years. Experian and the company which reported the employer to Experian, are in violation of the Health Insurance Protection and Portability Act.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX account on my consumer report was cancelled and returned to the creditor on XX/XX/year>. According to XXXX XXXX XXXX XXXX, this account should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2024 : I received a phone call from someone claiming to be an employee of Navy Federal Credit Union. An ePromissory Note, Security Agreement, and Disclosure in the amount of {$4000.00} was electronically signed on XXXX at XXXX which I did not sign or authorize. The IP address affiliated with this transaction does not belong to me. I filed a Declaration of Forgery/Fraud which was denied. I submitted dispute paperwork both online and in person. 

XX/XX/2024 : I filed a Security Appeal Form which was also denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX account on my consumer report was cancelled and returned to the creditor on XX/XX/year>. According to XXXX XXXX XXXX XXXX, this account should be deleted immediately.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX XXXX account on my consumer report was cancelled and returned to the creditor on XX/XX/year>. According to XXXX XXXX XXXX XXXX, this account should be deleted immediately.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Way back in XXXX in XXXX I had filed a FTC ID AFFIDAVIT and disputed with XXXX regarding inaccuate and unauthorized inquiries! My info was involved in the XXXX XXXX breach! 

In accordance with the Fair Credit Reporting act. The inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. I Have never given permission for these companies to pull my credit for the last year! This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. XXXX has refused to delete these inquiries which has blatantly violated my consumer rights and protection. 
Inquiries 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 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 I want these inquiries deleted.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I XXXX XXXX, applied for a Barclays XXXX Credit Card ( APP # XXXX ) on XX/XX/24. However, I was wrongfully denied. I AM AN INVESTOR. Due to this denial, it shows that they are not properly performing the duties quoted in their indenture, thus they are BREACHING THEIR COVENANT and not performing their FIDUCIARY DUTY. Saying the reason for my denial is based upon my Credit Report is FALSE AND MISLEADING information. 
I filled out an application with Barclays Bank Delaware and they transferred my security to Barclays XXXX XXXX XXXX. From there it was then transferred to Barclays XXXX XXXX XXXX. I invested in Barclays Bank by providing them with a security ( my application ). My note was turned into cash and I didnt receive valuable consideration for it. THIS IS SECURITIES FRAUD. As stated in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt states During the controlled accumulation period, the series monthly principal will be deposited into the principal funding account so that the total accumulated amount is sufficient to pay the stated principal note amounts on the expected final payment date. 
Its stated in their prospectus Filed with the SEC that the issuing entity will make interest payments on the XXXX day of each month. Its also stated that the issuing entity is obligated to pay the principal. In the Deposit and Application of Funds Section of their prospectus it says The Series XXXX indenture supplement specifies how Series Available Finance Charge Collections, Series Available Principal Collections and other amounts allocated to the Series XXXX notes will be deposited into the issuing entity accounts established for the XXXX XXXX notes to provide for the payment of interest on and principal of Series XXXX notes as payments become due. I attached a copy of their Transaction XXXX XXXX XXXX XXXX XXXX XXXX showing how the notes move. A description of XXXX Fundings obligations as transferor of the Receivables to the issuing entity can be found in Sources of Funds to Pay the Notes Credit Risk Retention, Required Pool Balance, Addition of Assets, Removal of Assets and Representations, Warranties and Reassignment of Assets.

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 2024-04-24 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I reviewed my consumer reports I noticed that I had one late payment on an account that I was never late for. The consumer report agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/22 ). Please investigate and provide proof with the statements showing that these payments were late. If proof can be provided I demand these payments the updated to pay as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to follow up on the unresolved issues regarding the investigation of my accounts. Previously, JPMorgan Chase closed three of my accounts and initiated an investigation. After involving Consumer Finance, I thankfully received refunds for two of these accounts. 

However, the investigation into my third accounta savings account with the number XXXXremains unresolved. It has now been almost 120 days with no clear update, despite the initial investigation supposedly covering all three accounts. The sum in question is just under {$4000.00}. 

I believe there may be an oversight or a failure in the system updates, which is preventing the resolution of my case and the return of my funds. Given that the issues with my other two accounts have been satisfactorily resolved, I am hopeful that we can expedite a similar resolution for my savings account.

I would appreciate a prompt response to this matter, as the continued delay significantly impacts my financial well-being. I have been more than patient, 120 days and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
An application to assume a VA loan was submitted by my client on XX/XX/12 to a loan officer XXXX XXXX XXXX XXXX this loan officer never dsclosed a loan estimate or did was required to get the application in process.The departmentn Manager XXXX XXXX said they had recieved the application but in 10 days there has been no disclosures or activity.

MrCooperNationstar hasc a policy of not allowing buyers to apply for an assumption of a va or fha loan with their loan officers.They have an illegal policy of having any potential assumptor borrower be vetted first by making them email the assumption loan group, to have an information package ( not a credit application ) sent by mail, before they will assign it to an assumption loan officer.They advise a 4-6 month time to complete after the informnation package is received back by regular mail. 
None of this is necessary and is prohibited by FHA and VA regulations, they are vioilating Fair Lending, tila, respa and trid.They have no reason or right to not take a credit application on a transaction that only they can approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Hard inquiries from unknown sources. I did not initiate these. 
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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX XXXX XXXX XXXX took over my student loans from Nelnet, however Nelnet DID NOT close my account after the transfer. I was apart of the loan forgiveness so my student loans should be at {$0.00} they are NOT. Nelnet claims its XXXX issue and XXXX sent me here as they said its on Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/XXXX I attempted online to book a flight with XXXX XXXX around trip from XXXX to XXXX XXXX and back. The first trip was priced at {$390.00}. That would include my seats and a round-trip when the confirmation printed out it did not bring me back to XXXX. It only took me to Florida or XXXX XXXX, Florida, I have tried again to book that same flight this time the charge was XXXX when the confirmation printed out is still left me in XXXX Florida it did not bring me back to XXXX. I called XXXX XXXX the next day on the XXXX the agent said no worries he will take care of it he and he booked my flight. It was correct this time, the flight brought me back to XXXX and I also had seats that I chose with the seats and the return flight it was {$430.00} to guaranteed the price. The agent sent me to my phone while he was online a payment portal for me to agree to the {$430.00}. He waited online, I went to the portal with my XXXX XXXX card and I paid the {$430.00} and then twice. I reminded the agent that I needed to be reimbursed for the flights that did not bring me home because somewhere in the process before printing my confirmation, the airline made a mistake, the agent replied, no worries I will take care of it. Several days later I checked and the agent did not take care of it. Ive tried disputing it XXXX XXXX gave me credit and when XXXX XXXX wrote in or challenge my dispute. The {$840.00} was applied back to my card. XXXX XXXX is taking XXXX XXXX word over mine, I have been a faithful card holder since XXXX. Ive never missed a payment and Ive never been late. I am not willing to allow XXXX XXXX  who is presently under federal investigation for overcharging and racketeering to get away with doing me the same way, I cant afford to give XXXX XXXX an additional {$840.00} XXXX XXXX dispute department is clearly not looking at the full evidence. They are not reading the evidence because its clear that I was overcharged. Three transactions in the last transaction is the only one thats valid. I need my money back and I need XXXX XXXX to act on my behalf instead of XXXX XXXX, who is presently under federal investigation for the same behavior.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2024, I looked at my report. I sent a letter to Equifax on XX/XX/2024 asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they sent me their Investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified.

The consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have attached proof of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. XXXXm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below : Mariner Finance # XXXX. After emailing the CEO of this company and requesting it they have denied sending it to me and are still reporting this account on my credit reports. Attached is the emails from me to the company. And a copy of the account on my credit reports. After checking my credit report this account states this was sold to XXXX since XXXX This account can not be reported as a charge off on my credit reports if the account was sold to another lender/collection. Please send the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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