vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHECKNGO/AXF XXXX Date Opened : XX/XX/2016 Balance : {$87.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have unauthorized inquiries for the following companies : 1. Comenitycapital/XXXX XX/XX/2021 2.XXXX  XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXXXXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 5. XXXX  XX/XX/2021 6. XXXX XXXX XX/XX/2021 7. XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$630.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : 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 explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for a Wells Fargo XXXX XXXX card with a credit score of XXXX that I built over the past 3 years. I have a job lined up that I will be starting in XXXX and I have proof of this through an offer and acceptance letter. After I applied, I was notified that I have to provide my last three paystubs before I can get approved for this card. I called them and told them about my situation in terms of my job and that I will be unable to provide paystubs for my job until XXXX. They told me that they are unable to give me a card and that they won't take my offer/acceptance letter. I believe that I was denied this credit card unfairly as I have a good credit score and proof of a job with the salary I specified in the application.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I consumer entered into a consumer credit transaction with Navy Federal Credit Union. 
It has been noted on the payment coupon AKA bill/statement that this 100 % value coupon is being accepted for the value indicated ( {$12000.00} ) 15 USC 1602L . I wish to thank you for obtaining the funds from my government-created XXXX XXXX XXXX account for me in order to prepay this obligation. You could have informed me about this process a long time ago as it could've prevented my family and I unnecessary financial stress. 

Fact, Navy Federal Credit Union is in violation of 15 USC 1611 under provisions of 15 USC 1601. 
My application is actually a negotiable instrument and accounts receivable pursuant to UCC Article 3 3 -304

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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:
I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to XXXX XXXX I realized I didnt ha s my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.

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 2022-02-19 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: PA

Complaint narrative:
I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to east coast I realized I didnt ha XXXX my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a hard inquiry from XXXX  XXXX that I did not initiate on XX/XX/2022 for some credit I assume. I didnt do this

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 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjust, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the two alleged debt accounts and report them both to the credit bureaus. Also, there is inaccurate information being reported like no payment amounts, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Collections, LLC
State: CA

Complaint narrative:
On XXXX XXXX FAIRWAY COLLECTION  added a derogatory mark on my credit report to XXXX & XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA FAIRWAY COLLECTION has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a hard inquiry from XXXX  XXXX that I did not initiate on XX/XX/2022 for some credit I assume. I didnt do this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I went to a XXXX XXXX as she advertised on a flyer and all over her front house on a build board and she asked for {$4300.00} dollars because she said I was cursed with XXXX XXXX and my family and children were in danger, I was scared so I zelled her the money and told me to call her back to do her cleansing but when I tried calling her she kept ignoring me and I realized I had been scammed I called my XXXX XXXX to report it and they couldnt do much I also called zelle and they couldnt do much either so I lost mine and my childrens savings because both companies cant get my money back when they can see through their end who I sent the money to I feel let down and taken advantage of it very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIDFIRST BANK
State: MN

Complaint narrative:
Midland Mortgage is stating I am in a forbearance when I am not ; I used a Covid relief and have since repaid all of my back mortgage and they are reporting on my credit report I am in forbearance. It is causing financial hardship on me. I need help. Under the Covid relief plan it states they are not suppose to report it on your credit report.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-19 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: MS

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


15 U.S.C 1681 section 602 A. Sates 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. 

XXXX XXXX XXXX XXXX {$900.00}

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 2022-02-19 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: MS

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


15 U.S.C 1681 section 602 A. Sates 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. 

XXXX XXXX XXXX XXXX {$900.00}

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 2022-02-19 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have submitted several complaints here and via certified mail. The investigation took more than 30 days and they refuse to remove the data. By law it is supposed to 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 explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
This XXXX Veteran, me, was not late with any mortgage payments prior to entering XXXX XXXX XXXX Forbearance program and prior to my loan being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX insist on reporting negative information even though I have provided proof. Too XXXX XXXX XXXX XXXX persist on reporting the Department XXXXf Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXX XXXX XXXX will not follow the laws and rules. 

It is obvious to me that XXXX XXXX XXXX XXXX does not care to follow the forbearance rules and blatantly does not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX XXXX has proven that it plans to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX XXXX  is not fair to Veterans and it is not a Veteran-friendly mortgage servicer. 

My date of last activity for mortgage payments was paid to XXXX XXXX XXXX on XXXX XX/XX/2020. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract. 

Moreover, XXXX and XXXX XXXX XXXX forbearance policies informs that there will not be any negative reporting. XXXX XXXX XXXX XXXX is also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX XXXX unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus. 


From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN XXXX PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/2020. 

Please remove XXXX XXXX XXXX : {$19000.00}. 

Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have not driven a car in XXXX months due to the unfortunate situation in life I was denied a vehicle loan from my bank XXXX. I have XXXX kids and I have a job so daily they need to go to school and I need to go to work, its a struggle. I asked for a used vehicle loan XXXX months ago to be honest I hate do not know why I was denied. If I can get any help if possible I would greatly appreciate it thank you!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I have been paying monthly on my Sallie Mae acount for awhile and they continue to call my cosigner, a XXXX XXXX XXXX woman, my grandmoher XXXX times daily starting at XXXX XXXX. I pay XXXX per month on the account. My grandmother is now having XXXX XXXX, possible XXXX or a XXXX XXXX. I have asked that they stop calling her and I have written to Sallie Mae and requested that they stop calling her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation