vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed XXXX of my student loan accounts with all three credit bureaus XXXX, XXXX and Experian via certified mail. 
I asked them to verify student loan accounts from XXXX and they didnt provide any proof that said accounts should still should be reporting balances. 
XXXX transferred all of my student loan accounts to XXXX in XX/XX/2023. 
My XXXX accounts should be reporting XXXX balances. However, now I have XXXX student loan accounts reflecting on my credit report. This is apprehending my credit creditably tremendously.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
HireRight, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll-free telephone no. : XXXX Toll-free fax no. : XXXX E-mail : XXXX XXXX Submitted false information on my background check report to my former employer without providing me a copy of the report despite my notifying them of the false information on the report they submitted to my former employer which resulted in my forced resignation from the job! 

case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Starting the month of XXXX shell point charged my account an insurance premium. i supplied shell point proof of insurance. i was told that they would refund all moneys except rot the month of XXXX at this point they started to list my regular payment as a partial payment. on XXXXXXXX  Shellpoint applied my normal payment of XXXX to principle only in the amount of XXXX then applied XXXX to a partial payment. i have called every month since. Shellpoint have told me they will fix it. Shellpoint has failed to do so. they have reported me behind to the credit agencies. and have issued me arbitrary fees in what appears to be retaliatory measures. it is now XXXXXXXX  and Shellpoint have told me they will not fix the issue and that I need to make an extra payment for the year XXXX  to fix there mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: AR

Complaint narrative:
Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the XXXX system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated

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 2023-12-18 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with American Express Company ( financial institution ), which was given value by ones signature. 

Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. 

Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. 

The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to XXXX8 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: AR

Complaint narrative:
The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.

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 2023-12-18 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: AR

Complaint narrative:
The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want the company to remove the fraudulent inquiries in my 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 non-monetary relief
Consumer complaint received 2023-12-18 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: IL

Complaint narrative:
Company is reporting bogus information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
The Company 's website incorrectly reports information regarding the amount they are taking from my bank account. Their excuse is that they sent me an email with the correct payment amount, but that still doesn't explain why their website is reporting false information. The Company sends the same exact email every month for years letting you know that your payment is being auto debited from your bank account and then expects you to notice that the final email notes a completely different amount for the balloon payment. However, anybody that relies on their website for this info will be given false information. 

As a result of their broken website, I incurred a {$35.00} insufficient funds charge from my Bank because I did not transfer the funds to my checking account in time. I knew the balloon payment was coming and would have transferred the funds, but I checked their website prior and it incorrectly stated that only my normal payment amount would be coming out on the specified date. Their website is broken. I fully understand the terms of the balloon payment and knew it was coming, but the website did not give me a chance to prepare. 

As shown in the screenshot attached, I was presented with incorrect information stating that the 'Payment Amount ' was {$230.00}. Based on this information, I assumed I would be making the XXXX Payment as a separate debit from my bank account, rather than the monthly AutoPay on XX/XX/. 

The Autopay authorization on their website also makes it very unclear that the balloon payment will be taken as an AutoPay.

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 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I have received threatening calls and texts from Credit Collections Solutions or ( XXXX XXXX XXXXXXXX ) stating that I owe money to a company for a service that was paid for in a monthly basis with no obligation for payment, ( CCS ) has since called which I have verbally stated that this debt is false and their tactics to collect violate my rights under the FDCP act, they then go on to say that if I refuse to pay this false debt that they will report negative information to my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
I originally took out a loan from XXXX XXXX XXXX for XXXX in XXXX, the loan has since been serviced and moved to different lenders. It is now owned by LAUNCH who claims I owe XXXX on 4 different accounts. I wrote to them in XXXX asking for validation of this debt -- a full payment history through different lenders and promissory notes showing what I agreed to borrow and our agreed upon interest rate. They provided me one brief statement from XXXX  ( one of the servicers ) and the original " promissory note '' from XXXX XXXX XXXX for {$5000.00} - no interest rate is noted. I have been making payments on this debt to keep in off my credit report, but I have paid over XXXX just since XXXX and the balance isn't going down. It doesn't add up, and LAUNCH will not send evidence of how much was originally borrowed, the interest rate, or full record of my payments. In our documented communication, they said I can contact XXXX XXXX XXXX  to see if they have more records or I can call and talk to someone at LAUNCH. I don't need to have a conversation ; I would like to see the promissory notes and proof that I owe this debt. I stopped making payments and sent a cease & desist letter to LAUNCH on XX/XX/XXXX and they have now reported me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had an account with Webster Bank subsidiary, XXXX XXXX XXXX Account closing fee was not disclosed prior to opening account. XXXX XXXX Charged me {$25.00} to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I reported to the ftc and the credit Bureaus an they have done nothing about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
on or about XX/XX/XXXX  there was an authorization charge by XXXX XXXX car agency for {$1000.00} on my account and it was Pending hold on the funds. on XX/XX/XXXX the transaction was finalized and posted to the account for {$1000.00} which was the actual amount but the Pending transaction did not drop form the account thus creating a negative balance and when I contacted their support they indicated that can take up to 30 days for the pending, ng transaction to drop which is total nonsense since that transaction is now paid and complete the pending transaction should drop and not be duplicate and cause the account being negative and all my income that is going to that account is being held towards negative balance and it is causing hardship for me. I believe this is financial fraud since the money was taken out and it was paid there is no reason for a hold on my remaining funds especially for 30 days. this is a company called XXXX XXXX  card powered by Branch designed for XXXX drivers. Please help with this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2023, I have tried multiple times to make a purchase using through XXXX using AMEX gift card and is declined every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
My mortgage is through XXXX XXXX Mortgage and I just found out that my loan was being sub-serviced by Dovenmuhle Inc, from Respa documents submitted on XX/XX/XXXX transferring the servicing back to Cross Country Mortgage. To the best of my knowledge I was never notified of that another company was sub-servicing my loan and no notice was sent when the transfer to Dovenmuhle Inc. occurred. While, servicing my loan Dovenmuhle Inc. has violated several Respa statues to include : not running an escrow analysis when they were informed of the exemption of property taxes/ Dovenmuhle inc. forwarded funds from escrow putting account in deficit. Dovenmuhle Inc also continues to charge us more than XX/XX/XXXX of our annual escrow payment and is holding more than XXXX of a cushion in XXXX. Currently, my escrow account has {$1500.00} and there are no other escrow items are due for this year. They continue to charge me {$1000.00} each month for my escrow account and refuse to conduct an escrow analysis. I have tried to fix these issues numerous times with this company but they deny any wrong doing and refuse to do anything but charge me more and more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian with in 90 minutes notified me that XXXX NOW STILL working on the issue of 3 complaints that are exactly like all the other complaints which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back

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