vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 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: MO

Complaint narrative:
I asked the Credit Bureau to do a verification of my credit report and they did and stated that everything was accurate. i did a thorough research myself and i found improper inaccuracies on my credit report. 
In accordance with the Fair Credit Reporting my rights and account have been totally violated, according to 15 U.S.C 1681 section A, ( states I have the right to privacy. 15 U.S.C 1681 section 602 A ; ( states consumer reporting agencies can not furnish a account without my written instruction. 
Please check for the inaccuracies in the accounts below. 

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 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I've messaged Mohela on 3 different occasions requesting a confirmation response. I'm hoping to direct my extra payments to my principal. I've been trying to do this since student loan payments began in XXXX since then I've been waiting for them to respond with no luck, all the while I'm being punished by my interest that continues to accrue. 

I messaged them in the beginning of XXXX, end of XXXX, and again this week. 

I attempted to call them by phone earlier this week and waited for over 2 hours without anyone picking up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
XX/XX/2021 XXXX NOT MINDS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both XXXX and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and XXXX are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: TN

Complaint narrative:
I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both Transunion and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and Transunion are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-11-19 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: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

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

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 2023-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to bring to your attention a series of issues that I have encountered with my credit report, and I seek your assistance in resolving these matters promptly. I have been facing discrepancies that have negatively impacted my credit score, and despite my efforts, these issues remain unresolved. 

1. XXXX XXXX Accounts : ** I recently discovered that three accounts were fraudulently opened in my name with XXXX XXXX. I promptly disputed these accounts with XXXX XXXX, who assured me that they had removed and closed the fraudulent accounts. However, I have observed that Experian has not updated my credit report to reflect the removal of this debt. 

2. **Open Closed Debt : ** There is an inconsistency in the reporting of closed debt on my credit report. A debt that has been closed is still reflecting as open, leading to an inaccurate representation of my credit history. 

3. **Rent Payments Not Reflected : ** Despite consistently making on-time rent payments for the past 60 months, my Experian credit score does not accurately reflect this positive payment history through the Credit Score Boost feature . This discrepancy has caused my credit score to decrease by XXXX points, currently standing at an inaccurate XXXX. 

Given the seriousness of these issues, I would appreciate your urgent attention and assistance in rectifying these discrepancies on my credit report. Furthermore, it is concerning that there is no option to upload supporting documents through the Experian platform. I kindly request guidance on the appropriate steps to provide any necessary documentation to support the resolution of these matters. 

I understand the importance of accurate credit reporting, and I trust that Experian will take swift action to investigate and rectify the discrepancies outlined above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. 

Sincerely, 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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXXXXXX XXXX  sent me a debt collection and the company is lying about the account and when I made a payment last. This is a paypal credit account that synconry bank bought after I had a huge issue with paypal and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my paypal account until I get things worked out with paypal. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a female manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I checked my credit score and seen that it dropped, I had an inquiry from JPMCB. Someone applied for a credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
FAIR COLLECTION & XXXX XXXX XXXX XXXXCFPB Complaint XXXX proof of address and proof of bill

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 2023-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I recently saw a increase in phone calls from credit acceptance ( my car loan company ), they claimed my payment was not made, this have been set to auto pay since I have had this loan, last year this exact same time in XXXX I had the same issue. They claim is was my banking issue, I have never had anything before {$5000.00} in my account in 3 years, so I don't know why this happen same time and same month 2 years, now my credit have drop significant due to the issue even after paying it the next day, also my XXXX XXXX interesr rate is very high, they need to stop messing with people money and living

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 2023-11-19 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit report has not been updated since XXXX. I get this error message when I log in to my report. I called customer service on XX/XX/XXXX, they connected me to the dispute dept because there was no address on file for me but my credit report is showing an incorrect address. I spoke to a rep that stated he was correcting my address and I showed see the update in 24 hours and will be able to see my updated report. Today is now, XX/XX/XXXX and I still do have an updated report with all accurate persons information and credit score and gettin the same error message. I have been putting in dispute with no success myself or going through CFPB. Something need to be done

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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
The FBI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX was on the phone when the representative from Navy federal credit union opened an account that my sister in Va sponsored. 

XXXX XXXX XXXX the vice president of membership mailed me XXXX checks and XXXX were stolen XX/XX/2023. 

I reported the checks stolen. 

I was forced to sign a navy federal membership agreement and tax id certification. 

I was approved for a bank account then went in person to deposit my money. The FBI sent decoys into the branch per my calls to them at ( XXXX ) XXXX. I was told at XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the white teller that due to the color of my skin and me being a XXXX educated woman. I WAS also called a XXXX and unfortunately XXXX can not open any accounts. 

I called ( XXXX ) XXXX, I mailed the check as requested to open the account and I havent received anything yet from Navy Federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2023-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I spoke to numerous people in different departments and the only one that was very helpful was A man named XXXX in the Re-entry Department. He was very helpful but then days later, I called back and I have been getting the run around and No one wants to help me. I am trying to save my home. Please have this resolved before my home is foreclosed. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number  : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2023-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Collection account from I.C. SYSTEM, INC with account # XXXX and a balance of {$4300.00}. 
The original creditor is XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. " I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this 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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a deposit from a loan from XXXX XXXX XXXX into my Chime account for the amount of XXXX. I spent less than XXXX XXXX  at XXXXXXXX XXXX XXXX XXXX  and used my virtual card information to make the purchase and after that someone else hacked into my Chime account and withdrew XXXX, XXXX XXXX XXXX, I never checked my account. I didn't know that I needed to. But there has to be some pictures of the person and it clearly isnt me i never withdrew from any atm. I reported it and they said no wrong doing. How can they say that. We are devasted by this. It was all we had and has left us unable to pay our bills.Please Help Thank You

Company response to consumer: Closed with explanation