vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-27 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: LEXISNEXIS
State: MD

Complaint narrative:
I submitted a dispute to Nexis Lexis and never heard anything back. It has now been well over 30 days with no correspondence. 

I am challenging the validity of this alleged bankruptcy Lexis Nexis have listed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
Transunion has failed to remove a collection account that is reporting inaccurately. I have since contacted the company and they have agreed to remove the collection account. Both XXXX and XXXX have removed the collection account. Transunion is in violation of the FCRA for the continuation of furnishing incorrect data. I will attach my credit report to show the incorrect information and to show my current report where Transunion is the only bureau to report this information. Please remove the following account within 15 days XXXX XXXX ( Original Creditor : 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I tried to submit my dispute online with Transunion and kept receiving an error message when I hit the submit button. I then called Transunion to submit my dispute over the phone with no success as the representative disconnected the phone. 

Transunion is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my 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 explanation
Consumer complaint received 2023-10-27 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: NV

Complaint narrative:
I have had this card for a awhile the XXXX card with XXXX Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXXXXXX XXXX XXXX  Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.

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 2023-10-27 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: NV

Complaint narrative:
I have had this card for a awhile the XXXX card with XXXX XXXX since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: SD

Complaint narrative:
As student loan payments and interest were set to resume on XX/XX/XXXX, I applied for the new SAVE Plan in XXXX which ensures any unpaid interest does NOT capitalize onto the principal balance. NELNET has still not processed my application, although it reported to the government that it did, and in the meantime has continued to charge interest and capitalize it onto my principal balance, growing my loan by about {$1000.00} per month! I specifically requested an extension of the Administrative Forbearance during the application processing period, which was granted by NELNET, and then removed without my authorization, without cause, and without explanation two days later.

The government 's guidance has been clear : administrative forbearance is extended for at least 6 months from XX/XX/XXXX to allow servicers to process applications and no interest should accrue during that time so long as a loan holder applied for the SAVE Plan. From the studentaid.gov website : " However, no interest will capitalize until at least 6 months after the payment pause. '' " As of XX/XX/XXXX, unpaid interest on your loans wont be added to your principal when you leave any IDR plan, except the Income-Based Repayment ( IBR ) Plan ( where capitalization is required by statute ). '' " If you applied for the SAVE Plan close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' I have spent countless hours on hold with NELNET only to be told there is nothing they will do to fix the problem and I will accrue interest until they are done processing my application, which could take months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
- Made payment to XXXX on XX/XX/2023 for using their movers+packers services through Chase Bank XXXX XXXX XXXX transferred $ XXXX $ XXXX {$400.00} which was successful but I got a call back after XXXX mins that this account is unrecognizable so mobile transactions through app will be blocked. 
- I called bank on next working day and my mobile account transactions were restored. 
- Between XX/XX/XXXX my account was debited for {$1100.00} towrads Siyung account without my acknowledgment of that payment. 
- On XX/XX/XXXX I filed a claim calling Chase customer care and they asked me to - change password on on both mobile and web transactions and sign in again and my account was temporarily paid {$1100.00} claim. 
- Later in a weeks around XX/XX/XXXX my account was again debited with {$1100.00} - When I reached to Chase bank office on XX/XX/2023, I was mistreated by heir staff, yelled at by their Banker and humiliated by their employees as accordign to them they couldnt do anything about it. They called police and asked me to close to bank account with them which I happily did to avoid any future threat to my money or myself. In front of the police, they obliged to pay me all the amount I had in my account via cash ; however I was all the data on my app was changed so I couldt take any screenshots. Though I still have proofs. 

I am a single mom of XXXX minor kids and my bank funds are our sole means for livelihood and the way I have been threatened by bankers has put me into tremendous fears for myself and my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, I have tried multiples time sending you a letter but due to my limited English and inexperience regarding dispute to credit bureau I keep getting rejected on this inaccurate late payment report on XXXX XXXX XX/XX/2022. 
This is not funny anymore this is a serious matter and I need you to take me serious There a late payment on XXXX XXXX on my credit report that are not accurate and this is truly hurting my chance of refinancing my home so I can keep up with the monthly Mortgage before they going through foreclosure soon. 
The mortgage company told me you could fix this issue and these late payments are incorrect and need to be updated to on-time paid as agreed you are reporting late and those dates need to be changed to paid as agreed. 
I am in dire need of your help to fix this issue please do not ignore my letters my because whole family depend on this. 
I did reach out to XXXX XXXX company and they told me they going to take it off but the problem when I called them it was like 4 months after they report me a late payment on XX/XX/2022 that Im not even aware of! They told me they cant take off anymore since it already past 1 month after they accidently report me a month before. Telling me to contact credit bureaus now. 
I dont know if theyre XXXX trying to cover their mistake or not but at that time I didnt think it important to resolve the matter until now I tried to refinancing my home. That when I know how important that I have to clean up my credit profile not to mentioned I have tons of unauthorized tried to open credit card account under my name. 
I dont want to bring any law code in this letter because I think we can resolve this problem in a good matter. You guy keep sending me rejecting letter stating I need to do this on my own. So Im trying my best to dispute this on my own knowledge but this will the last time I will report this problem and If this cant resolve I have to report to CFPB. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midlandcre is reporting false information. Accounts that do not belong to me and they're reporting two separate accounts with two balances under 1 account number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
I looked at my credit reports and upon reviewing them I noticed negative 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 explanation
Consumer complaint received 2023-10-27 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: Self Financial Inc.
State: FL

Complaint narrative:
Self Financial is improperly reporting negative items to my account, the account was a prepaid account in which I paid upfront and used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCHEVRON 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
Credit reporting agency did not properly investigate fraudulent account showing in my consumer report. XXXX account was illegally reopened and closed as chargeoff when account was originally closed as Paid in Full

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 2023-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I requested verification of a debt that Amsher Collection Services is attempting to collect from me. In response to my request, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX providing me with a copy of a bill from XXXX. Upon further investigation, I realized that Amsher Collection Services and XXXX XXXX XXXX  XXXX  XXXX, XXXX are attempting to collect an amount from me that I do not owe. They are attempting to extort more money from me that what I may owe. 
Attached you will find a copy of a XXXX  bill dated XX/XX/XXXX. This bill includes current charges for internet service from XX/XX/XXXXXXXX  to XX/XX/XXXX. I DID NOT HAVE INTERNET SERVICE from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  as I requested service with XXXX  to be disconnected on XX/XX/XXXXXXXX  because I was XXXX. 
Supporting that I did not have service during this time in which I was billed, attached you will find a copy of the receipt from me returning the internet equipment ( modem ) to XXXX on XX/XX/XXXXXXXX  at XXXX. 
There is no way that I could have internet service when the internet equipment ( modem ) was returned to the company. Attached you will find a copy of the original documentation supporting that the internet equipment ( modem ) returned to XXXX was the internet equipment ( modem ) that I was assigned when started service with XXXX  on XX/XX/XXXX. 
Amsher Collection Services and XXXX XXXX XXXX XXXX  XXXX, XXXX are attempting to collect {$280.00} from me, when the amount that would actually be due is {$140.00}. This is a violation of FDCPA and FCRA as Amsher Collection Services have reported to XXXX, XXXX, and XXXX that I owe {$280.00}, instead of the actual amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a letter from Credit Collection Services ( ccspayment.com ) on behalf of XXXX XXXX XXXX asking me to pay a debt of {$620.00}, which I do not recognize, neither accept it, because I have never had a call or contact with such company. 

I called them to the phone indicated in their letter and they were asking me what are the companies I pay insurance for Home Insurance recently, which seemed to me odd because if they know what they are talking about they should have known that information and clarify to me about the debt and who is demanding to get paid.

They insisted that I give them the name of my Home Insurance company, so I mentioned that I have Travelers insurance for Home Insurance and conveniently after providing my answer, they told me that Travelers insurance were the ones trying to collect that debt.

I told them that I would fix the problem directly with Travelers Home Insurance if there was any problem, and they told me to call them back to resume.

What I didn't mention to this Credit Collection Services Company people, and that is where I caught them being a fraudulent company, is that I already paid my Home insurance with Travelers for the whole year and next payment is until XXXX next year, so I don't owe them any money, and even checking my account statement with XXXX insurance, it says that I don't have any debts or pending payments to complete with them. This company is a total scam and I am really XXXX XXXX  because they are very annoying going after me with phone calls and mails, like if I owe them something for real. 

I don't know who can help me to stop them from botering me and my family. 

Thank you very much for your attention.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
I am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified.

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate.

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly.

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality.

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA

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