vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXXXXXX XXXX XXXX Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I tried fixing the issue multiple times as this complaint was marked as a duplicate and is not a duplicate. Please attach the duplicate file if deemed as a duplicate so I have for my records. I discovered through my new monitoring service this account being reported I made efforts to remove this account on my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-08-08 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: PA

Complaint narrative:
Subject : Disputing Information in Credit Report Hi I have been a victim of identity theft I resubmitting my paper as a plead for help, I have not had a car note in 10 plus years I have had one fraudulent car note remove already before that was not mine. This alloy bank has been a nightmare I have told them someone has stolen my identity and got a car not they have been making the payments with a fraudulent business bank account to cover there tracks I have attached a police report with the names of the bank accounts from XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS fraudulent account. i have also reported the car and loan to the police. with those reports attached to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990

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 2023-08-08 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 USC 1681. 
Account Name XXXX XXXX XXXX Account Number 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 2023-08-08 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 USC 1681. 
Account Name XXXX XXXX XXXX Account Number 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a promotion ( code XXXX ) offering XXXX XXXX  points after 90 days of opening my account. I have completed the requirements ( open a Citi debit account, two deposits totaling {$1000.00}, and spend {$1000.00} ) and confirmed with a Citi representative of my completion. The telephone rep said I can expect the XXXX points to be deposited in my account ( # XXXX ) after 90 days, but it has been more than 90 days since I have opened my account and still have yet to receive any points.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Fraud invoice stating I owe money from paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE Original Loan # # XXXX, New Loan # XXXX Selene Finance, It has been brought to my attention that Selene Finance had held the original loan # XXXX from which was sold/transferred from XXXX Financing XXXX XXXX. Selene Finance held the loan # XXXX from XXXX. The loan was then sold/transferred back to XXXX XXXX XXXX XXXX. Under the new loan # XXXX that was created by Selene Finance the loan was transferred/sold back to Selene Finance XXXX. On XX/XX/XXXX, Selene Finance sold/transferred the loan to XXXX XXXX  XXXX 

Selene Finance had no authority to offer any loan modifications, collect any payments consisting of principle, interest, and escrow. Selene Finance also had no authority to sell/transfer the loan because the loan was not held by Selene Finance XXXX XXXX the loan was paid off. In XXXX, according to legal official records filed in the XXXX XXXX XXXX XXXX the loan was authorized and held by a Government/State entity called The Florida XXXX XXXX and XXXX official records states Satisfaction Of Mortgage Note and Loan Modification Agreement in XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, a customer service representative for Selene Finance and she stated within the documents that the loan has been paid off. I already had acknowledgement of this information.What is in question, why did Selene Finance sell/transfer the loan to XXXX XXXX  , when the loan was already paid off. 
I AM REQUESTING ALL DOCUMENTS PERTAINING TO THE LOAN, FROM BOTH LOANS # XXXX, AND NEW LOAN # XXXX I am also requesting to be reimbursed : ALL PAYMENTS INCLUDING PRINCIPLE, INTEREST AND ESCROW FOR THE YEARS XXXX, XXXX, XXXX, XXXX, XXXX, PAID TO ME WITHIN 30 DAYS OF THIS LETTER. 

On XX/XX/XXXX Selene Finance generated a letter, NOTICE OF DEFAULT AND INTENT TO ACCELERATE. According to the Florida Office of Financial Regulations, this falls under XXXX XXXX practices. Selene Finance used unethical and unfair tactics generating a false document to receive money from a loan that was already paid off. 

In closing, there will be a complaint filed with CFPB and HUD Department XXXX Housing and Urban Development about this matter. Also attached to this letter is the Legal document, Satisfaction Of Mortgage Note and Loan Modification. 

Govern Yourselves Accordingly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I opened a account with Bank of America for my mother because there was fraud done at moms XXXX XXXX by a XXXX XXXX The account was opened XX/XX/XXXX. Bank of America flagged the account because of the fraud and froze the account. They said they had to investigate and therefore would close the account and at the end of the month they would issue a check with the funds 10 days after the account was closed. We are now XX/XX/XXXX and still no check. I called again and was told yet again it would be closed the end of XXXX then have to wait another 10 days. I have called several times and keep getting told it will be the end of the month and check will be mailed. The has been several months now. When I ask why they say that's all the information they have. I go into the bank and they tell me to call the XXXX XXXX  No help 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 monetary relief
Consumer complaint received 2023-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I have filed multiple disputes with XXXX  XXXX in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

XXXX XXXXXXXX is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from XXXX XXXX stating that the account was closed on XX/XX/. As of my credit report on XX/XX/XXXX  the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in XXXX. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/XXXX  and the account was closed in XX/XX/. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have XXXX XXXX accounts reflect the accurate date of closure ( XX/XX/XXXX  ) effective 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MortgagePros, LLC
State: FL

Complaint narrative:
I applied for a HELOC with a lender. After applying, I was bombarded with phone calls from mortgage brokers with no apparent affiliation to the lender I submitted the application with. One of those brokers was MortgagePros , LLC and their representative XXXX XXXX ( XXXX : XXXX ). During our interaction it was made clear that I was interested in a HELOC. After obtaining my information and claiming to look for the offers in my best interest, it became clear the broker was fixated on a cash out refinance of my existing mortgage with no intent to fulfill my request for a HELOC. I explained my intent to repay the HELOC within a short time period as opposed to the 28 years remaining on my mortgage. XXXX XXXX was relentless in his attempts to sway me toward the refinance, a move that would have ended up costing me close to $ XXXX more. 

Current Mortgage Remaining Term Balance : $ XXXX 3.5 % for 28 Years = $ XXXX Requested HELOC : $ XXXX 12.9 % for 15 Years = $ XXXX That totals $ XXXX over the life of both loans and I had no intent of letting the HELOC balance carry for more than 3 years. 

MortgagePros LLC was pushing me toward a cash out refinance, which would have been approximately $ XXXX 6.5 % for 28 Years = $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Nelnet, Inc.
State: AR

Complaint narrative:
On XX/XX/, I contacted Federal Student Aid and logged a complaint that my student loan has been forgiven through borrower defense however it is still showing a full balance on my credit report. Additionally, my account was never transferred from Federal Loan Servicing to Nelnet and I wanted to know about the finalization of my loan being forgiven and if applicable, any refunds that I am to receive. 
On XX/XX/2023, I received a reply from a representative of Nelnet, XXXX XXXX, that my request is being reviewed. I was informed to allow up to 30 days for it to be reviewed and if I have not received notification of review after 20 business days that I may check the status by replying to the e-mail. 
On XX/XX/2023, I have not received any updates from Nelnet in regards to my account and contacted XXXX via the e-mail originally sent to me as requested to inquire about my credit report, refunds, and account. 
On XX/XX/2023, I reached out again after not receiving a reply from Nelnet. I informed Nelnet that I have passed the 30 day period within the guidelines of Reg V for the fair credit reporting act and would like to at least know an update on my credit report since I believe Nelnet has violated Reg V guidelines. 

I am still waiting for a reply from Nelnet and therefore reaching out to CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
complaint id XXXX XXXX XXXX has XXXX false claims and continues to prevent me from getting my credit report regardless of Annual or Site. 

Equifax 's claim in email " Important Information ... '' we have finished ... .FALSE SEE ATTACHED XXXX XXXX p.m. Email attached showing access to account granted XXXX XXXX XXXX Screen shot attached showing AGAIN " UNABLE TO ACCESS '' XXXX Equifax XXXX difficult and no explanation- send drivers lic and social via mail. 

I DO NOT HAVE 60 DAYS, 30 DAYS, EVEN A WEEK! I have been battling this well over the time frames and limits set by the Fair Credit Reporting Act. 

Equifax has been given far too much time. 

I have spent hours and now 2 days regarding this matter with Equifax and every call has resulted in lies and prevention of my obtaining my credit report. 

I was denied a loan based on fraud and inaccurate data reported which is hurting my score by XXXX points Equifax Actions are continuing to allow fraud to proceed since they will not allow a dispute or fraud to be reported. 

As of today upon getting an email from Equifax which is attached and their very quick claim of " they are working on it '', I called and the rep proceeded to just stated We need your driver 's license and social card mailed but refused to give just cause or explain why. 

Attached is also proof of there is no issue with my online account Finally, as stated, the email received today, resulted in yet again not allowing me access after I got an email stating " click here '' to access your account. 

I will proceed forward with a law suite if this matter is not resolved since it violates Federal Laws and is damaging to me the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I made a payment from my banks bill pay center. The payment was received on XX/XX/2023 and processed with XXXX XXXX on XX/XX/2023 per the deposit details on the back of the check. I have called XXXX XXXX XXXX in regards to my Indigo XXXX XXXX on XX/XX/2023. I have also faxed a copy of the cashed check, in which the payment has yet to be applied. 

They have also reported to the credit bureaus on XX/XX/2023, that my card was over the limit and that my usage was 107 %. Which has had a negative effect on my credit.

Company response to consumer: Closed with explanation