vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
ServiceMac started an impound escrow account without notifying me even though I don't owe any back property taxes, which they can see and confirmed on their end. My mortgage withdrawal amount was {$1800.00} per month. Then on XX/XX/2023 they changed it to {$2600.00}, which makes no sense and is not even the correct monthly amount to equate to my bi-annual property tax amount of {$2900.00} or {$5900.00} per year. An accurate escrow amount would equate to {$490.00} per month but they are charging 173 % of that amount. I called and complained and was told I need to fill out an Escrow Waiver Application but that it will take 30 days to process once received and there is no information about how to return the excess funds they have taken. After XX/XX/XXXX, they will have {$2600.00} of additional funds which will also have resulted in a loss of interest from my savings account and have not been applied to my mortgage balance. For three days I have tried calling ServiceMac and logging into their website to get information about my loan balance and receive customer service assistance but neither their website or phone number is working. None of the links work on their site. The prerecorded answering service does not work, acknowledge any input like my SSN and if you get far into the automated answering service, it eventually just says they are " experiencing technical difficulties. '' This is utterly preposterous. How can a company of this size just take funds out of my bank account without any recourse and then have their entire system go down for days on end without any support for their supposed customers? And if I don't pay the incorrect amount of {$2600.00} on XX/XX/XXXX, then my mortgage goes back into escrow default and the impound account stays open in perpetuity, collecting the incorrect amount. So I basically have to continue to pay them the incorrect, excessive amount of money, to my own tremendous detriment, or I am forever locked in an impound escrow loophole that nobody can resolve over the phone and that takes 30 days to process a piece of paper that has no information on it whatsoever that identifies me or my account.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I found inaccurate reporting on my consumer/ credit report pursuant to 15 USC 1681, Fair Credit Reporting Act. I also saw violations of 16 CFR 313 Privacy of Consumer Financial Information. As well as a violations pursuant 15 USC 6801 Protection of Nonpublic Personal Information.

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 2023-12-22 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: FL

Complaint narrative:
On XX/XX/2023, I found inaccurate reporting on my consumer/ credit report pursuant to 15 USC 1681, Fair Credit Reporting Act. I also saw violations of 16 CFR 313 Privacy of Consumer Financial Information. As well as a violations pursuant 15 USC 6801 Protection of Nonpublic Personal Information.

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 USC 1681 accounts shall report accurately and the attach documents prove these accounts with the account numbers should be removed immediately from all three credit bureaus. These accounts are hindering me and my family from moving forward in life.

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 2023-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to 15 USC 1681 accounts shall report accurately and the attach documents prove these accounts with the account numbers should be removed immediately from all three credit bureaus. These accounts are hindering me and my family from moving forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Received a phone call from this number and they used a local number and they are based out of Pennsylvania. So immediately, they start off with deception practices. They man that called stated the debt was sold to them and that they basically were calling to collect on said bill. I have provided net credit with a POA from the payday loan debt company used to pay them through along with a police report of identity theft showing that the company I signed the POA was a scam. They took over {$3500.00} from me and stated they paid NetCredit. They also sent documentation that NetCredit agreed to the payment amount on the POA. When I contacted NEtCredit, they stated this was indeed not from them along with the payoff letter I received. I filed a police report and submitted that as well. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$6200.00} for a {$2400.00} loan that has been paid off and NetCredit refuses to remove it from my credit report. They are in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They may not contact me further because this debt has been pain in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I lived in the XXXX for 5 years, and to this day, I bank there. I do business in the XXXX, and my client was supposed to pay money to my XXXX bank account via XXXX but the money never arrived. 

The transfer was created on XX/XX/2023, and paid out on XX/XX/2023. 

On XX/XX/2023, I received communication from my bank. They were asking me questions regarding the nature of the payment and why I received it. Then I explained who I was and what the payment was for. 

I am writing this on XX/XX/2023, and we have not received any communication from the intermittent bank. My client tried to contact XXXX, but they said they could not help. I have contacted my bank, and they said they could not do anything because it was up to JP Morgan Chase to release the funds. 

It is only a ~ {$3000.00} transaction, but still. No one knows where it is. 

According to my bank, JP Morgan Chase refuses to release it and is not telling us why. No communication from them. 

XXXX has also been extremely unhelpful. 

It is almost XXXX, and I still have not been paid, and no one knows where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear Mercedes Benz Financial Services , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Beginning in XX/XX/XXXX, there were discrepancies between the " Next Payment Date '' as stated on the app and the date on which the payment was being pulled from my account. A payment was refunded in or around XXXX, and, in XXXX, the app stated my Next Payment Date was XX/XX/XXXX ( See screenshot dated XX/XX/XXXX ) but then a payment was pulled on XX/XX/XXXX ( See screenshot dated XX/XX/XXXX ). When I called the company on XX/XX/XXXX ( XXXX ), I was given the option to have the payment applied to payments due or have the payment refunded. I opted to have the payment refunded, and XXXX said the refund would appear in my account in XXXX business days. On the XXXX business day ( XX/XX/XXXX ), I called the company again and ask to XXXX and then XXXX. XXXX said there would be no refund because the company didn't pull a payment in XXXX. I said that it was illegal to tell a consumer XXXX thing and do something different to the detriment of the consumer. There were XXXX misrepresentations : ( XXXX ) the " Next Payment Date, '' and ( XXXX ) being told there would be a refund. I asked how, if ever, I was going to be informed of the decision NOT to give me a refund. I was given a vague answer. XXXX, on behalf of the company, refused to remedy the errors, which he didn't dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear AMERICAN EXPRESS , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account NumberXXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws.

If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Received a phone call from this number and they used a local number and they are based out of Pennsylvania. So immediately, they start off with deception practices. They man that called stated the debt was sold to them and that they basically were calling to collect on said bill. I have provided net credit with a POA from the payday loan debt company used to pay them through along with a police report of identity theft showing that the company I signed the POA was a scam. They took over {$3500.00} from me and stated they paid XXXX. They also sent documentation that XXXX agreed to the payment amount on the POA. When I contacted XXXX, they stated this was indeed not from them along with the payoff letter I received. I filed a police report and submitted that as well. In accordance with the Fair Credit Reporting act NCB Management Services has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$6200.00} for a {$2400.00} loan that has been paid off and XXXX refuses to remove it from my credit report. They are in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They may not contact me further because this debt has been pain in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has had on hold a check deposited on XXXX to my checking account for the amount of {$6300.00} because they say have not been able to verify the check with the law firm involved issuing it. I have called for 2 days Chase to provide them the number for the law firm to be contacted and verify all information needed and Chase continues to say that the numbers I provide are not accepted because are not in the list they have, keep in mind the numbers appear on the law firm website. Chase already has the funds ( processed the check ) because law firm confirmed it with the bank but they still have them on hold saying if they can not verify the funds they will close up my checking account and retain the check. 
Chase is not helping me with other options to get this issue resolved as soon as possible, they just say that the number they have for the law firm comes up as disconnected therefore they can not verify the check and release the money meaning they will also have to close up my checking account and flag me for fraudulent check deposit.

Company response to consumer: Closed with non-monetary relief