vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XXXX, XXXX, 2022 I received a letter from Nelnet concerning student loan XXXX. I have been in an income driven repayment plan with Nelnet for years. When asked to recertify on this loan, I was declined. Several reasons were given, several are which not true. Nelnet has stated that I defaulted in this loan. This is not true. My payments have consistently been on time. I have always been able to have a payment based on my income. Now they are refusing to provide assistance concerning this particular loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested a refund through XXXX, I even have an email confirmation. I made payments from XX/XX/XXXX- XX/XX/XXXX. The rep told me it could take anywhere from XXXX weeks to XXXX  months. I called back in XXXX and same response. Sometime in XXXX, I found out my loans were transferred to Aidvantage. XXXX said another refund request was submitted. It's now XXXX and Aidvantage still doesn't have any of my account information. 

XXXX 's Response : Although your account is not active at this time, it has been transferred to another XXXX servicer. You should have received communications regarding this transfer. 

I have not received anything from Aidvantage yet. 

Please handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
- I published a comment on an event 's XXXX  page asking if anyone was selling tickets to their event this coming Saturday. I then got several messages from people trying to sell me their tickets - Out of all the people, one of them seemed to have a high follower count so I believed they were a legitimate seller. They still insisted I use XXXX, but I asked that they transfer the ticket to me first - I felt compelled to send them the money quickly after they transferred the ticket. It took a while for them to transfer it to me. 
- They told me that the ticket would appear on XXXX ( the original seller of the event ticket ) - When I received the email appearing to come from XXXX, I promptly sent them a XXXX payment through Chase to the email they provided me : XXXX - It was hours later when I still hadn't seen the ticket in XXXX that I realized that the email I received was from XXXX- I tried contacting them to ask for a refund, but they left me on read.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MD

Complaint narrative:
I saw a consumer report promoting EXPERIAN XXXX and how it could help improve your credit score when you pay your bills early. I signed up and the credit score it showed was a good XXXX points lower than XXXX and XXXX have been showing for over a year. In the process of signing up, I was asked to link my bank account- when I did that, my score shot right up ( within seconds ) to the same approximate score as the other two showed. I decided to give it a chance but then began to receive all kinds of emails to " upgrade '' - they did nothing but try to sell me things for the month or so prior to my unlinking my bank account. I can't see how any of this should be allowed, and I don't know why they needed my bank account to be linked - that makes me nervous. I usually can spot a scam or fraud a mile away and am upset with myself that I let myself be scammed just because " XXXX XXXX '' XXXX it as a good deal offered by a supposedly reputable credit reporting agency!

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 2022-11-04 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: MA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX Home Depot called my number at XXXX XXXX. The call was automated stating " this is an attempt to collect a debt. '' This is a violation of 15 USC 1692 ( b ). I prompt to get a live operator on the phone and its a man. He wants to know if I was willing to pay.the debt. I told him what are you prepared to do if I don't pay. He replied by saying we will continue to call and charge late fees. Which is a violation which constitutes threatening language. I said are you telling me that I owe you this amount. A violation of 15 USC 1692 ( d ). I then asked him who gave him yo location information. He refused to reply. A violation of my right to privacy. 15 USC 1692. Finally he called me while I was doing business. A violation of my rights. I immediately sent this letter to the CEO of Home Depot it is the attachment.

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 2022-11-04 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-04 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: 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 15 U.S.C 1681. 

Account numbers : 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-11-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account numbers : 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 explanation
Consumer complaint received 2022-11-04 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: AL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ; I did not give them written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
MY BALANCE INFORMATION IS INCORRECT ON MY XXXX XXXX  ACCOUNT ENDING IN XXXX AND XXXX XXXX ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.

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 2022-11-04 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: TX

Complaint narrative:
I have sent multiple letters regarding fraudulent information in my credit report. It has been more than 30 days, but I did not receive any response.

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 2022-11-04 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: TX

Complaint narrative:
I have sent multiple letters regarding fraudulent information in my credit report. It has been more than 30 days, but I did not receive any response.

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 2022-11-04 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I applied for forbearance as a direct effect of covid19 when I lost my job. The process was severely delayed as I was requested to resubmit documents repeatedly. Then the mortgage company changed names, from XXXX to Amerihome, docs expired so the proceed started again. Once finally approved for the modification a letter was sent out stating my payments would now be {$2000.00}!!!!!! vs {$1700.00}. Unable to afford this payment In XX/XX/2021 I applied to refinance with my credit union as they pre approved me for a lower payment. In XXXX the branch manger at my credit union called to inform me they could not do the loan now because Amerihome reported to the credit bureaus that I was behind several months on my mortgage pmts when they should not have. I received a letter from XXXX apologizing and sorry for the inconvenience. I lost the opportunity with my credit union as a result. I contacted a FHA counselor for assistance. She tried several times to explain Im on XXXX now only receiving 60 % pay and requested a reduced payment. The counselor also contacted the attorney representing the mortgage co who also reached out to XXXX to apply my trial payments to reduce to total delinquency below XXXX so I could qualify for XXXX. AH didnt response to any requests. My FHA counselor advised I sign and take this modification knowing I couldnt afford it so the mortgage company wouldnt foreclose. They wouldnt agree to apply money I paid towards the delinquent balance but once they finalized the new loan I have a surplus in my account and the payments are more then what was stated. Current payment is now {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 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 an 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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have applied for a mortgage in 2021. My lender is unable to pull my credit reports. They have not had any problems since 2021. XXXX  and XXXX are fine. I am having a problem with Experian not releasing credit report and not allowing me to log in or access it. THey have transfered me to everyone under the sun and no one can help. One rep says I have a freeze or a fraud alert.Then the next representative says I do not have it. Then experian says that there is an error in their back end and will take several days to fix. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the phone numbers they keep telling me to call. I have excellent credit and experian is refusing to give my my credit report and give access to my lender. Who have had access before for a whole year and no problems at all. Until last week. I need help to get these people to do their jobs and be compliant.

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