vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - paid to lawyers office XXXX XXXX XXXX  with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX  who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and XXXX  XXXX with XXXX XXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX  original debt {$480.00} settled for {$440.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Well I was enrolled in a bootcamp called XXXX back in XX/XX/XXXX for Data Analytics where if you complete the whole program you well land a high paying job within the tech field and you well pay the whole $ XXXX or more in tuition. I decided to research more about the company and they were negative reviews about the company coming from students on XXXX, XXXX, and XXXX stating that this school is a scam and provided false information about landing jobs it was misrepresentation in false information! I decided to dropped out because I was misrepresented by false information provided by XXXX. Because XXXX states if theres a misrepresentation then they will refund you the whole amount. I dropped out in XX/XX/XXXX and contacted XXXX for a full refund instead they are refusing me to provide me a refund and added me to the block list where they dont contact you. Majority of jobs in the tech field requires you to have a bachelors degree with many years of experience and XXXX lied about job outcomes! And XXXX partner for providing students loans is Launch Servicing they are threatening to take collection action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have requested that the credit reporting agency correct my address and I was told that I need to contact my credit company and I have and they have, but I believe it's the responsibility of the credit reporting agency to have up to date personal information on my credit report and remove items that don't belong to me and they have failed to do so.

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 2023-08-30 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-30 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

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

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 2023-08-30 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

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

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Opened a fraudulent account under my name went to collection and I proved them it was not mine. 
They were willing to delete it and they did 6 months later a credit dent collector ( XXXX XXXX XXXX ) is trying to collect something that was previously deleted and settled because it was no mine

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 2023-08-30 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I received a text message that I owed a debt to either call. The phone number are going onto the website. I went to the website and I was confused because I was trying to find the original debt to contact them to find out what I even owed money for. I then called the phone number, and the Lady told me out of debt from XX/XX/2015 for {$60.00}. I asked if she could please tell me the providers name address or phone number so I could get in contact with them about the debt. She told me the only thing that she saw on the note was that it was located in XXXXXXXX XXXX. I had explained to her that I had only lived ever in XXXX XXXX XXXX, and I have never visited XXXX. She told me that XXXX was a headquarters office. I asked if she could please provide me with a paper copy of the debt and she told me one was sent back in XXXX. I had informed her that I did not receive anything in XXXX could you please send me a paper copy of my debt. She told me that she could either email it to me or she could send it to me in a text message. I asked her if she could please send me a physical copy to my address since I had not received the one back in XXXX she informed me that it is not their responsibility to keep sending copies out to the homes of people who lost them. I told her that I never originally receive the one from XXXX, that I am working on paying all my debts so I would not have lost it. I asked again for the third time to please have a physical copy sent to my house and she told me thats not gon na happen because their company loses too much money on sending out notices. I asked her if she could please provide any more information and she told me to XXXX it. She told me that she XXXX XXXX XXXX XXXX XXXX and it came right up. I asked her for the phone number that she XXXX and she told me that is my responsibility to look this information up. She gave me my invoice number of XXXX. She said she had my intake form with all my information on it. And to me thats a violation of HIPAA. She was very rude to me and she kept trying to rush me off the phone saying if thats all that I can do for you then thank you and have a nice day. I said I really would like a physical copy of my debt sent to my home, she said she was not going to do that. I told her it was her responsibility to send me one per request or I could report this. She said, who am I gon na report her to and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
My father died unexpectedly in XX/XX/XXXX. I went through the XXXX XXXX XXXX XXXX XXXX court system to establish his estate which includes a condo he owns located in XXXX XXXX XXXX. I have a pending sales contract with a buyer. The title attorney sent over a written request for a payoff quote on XX/XX/XXXX to Carrington Mortgage Services LLC in which they were denied 2 weeks later. I submitted the death certificate and the letter of administration and requested a payoff quote on XXXX. I have called daily. The customer service reps continually provide poor customer service and gave me the run around. I have even ask to talk to a supervisor no useful information provided. This is a simple and common request to receive a payoff quote which validates 1 ) IF a loan exist 2 ) IF a balance exist so it can be paid off during the property sale ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-08-30 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: NE

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
The bank started missing wire payments last year for no apparent reason. Most recently, they froze all of my accounts because of one credit card transaction they flagged as fraud ( which was a legitimate transaction ). Then froze my accounts again over night for the same issue because a bank employee didn't read the notes of the resolution ticket. I had to call back again to unfreeze the accounts. Next I logged into my XXXX XXXX account and tried to initiated a transfer of {$5000.00} into XXXX XXXX  from my USAA account, which I have done successfully 3 times previously, and the linkage was already set up. USAA rejected the funds transfer again telling XXXX XXXX that my accounts were frozen for withdrawels. I call USAA back again and they stated that none of my accounts were blocked and there was no explanation for the rejection of the funds transfer. So basically USAA is preventing me from taking my own money out of my USAA account. I think that should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase originally closed our credit card merchant processing account for our small business with no explanation in 2019. Since then, Chase has gradually closed every account that we have had with them for our small business. Our business checking, our savings account, our Chase Line of Credit account, Chase INK credit card was the latest one that was closed. All of our accounts were closed with minimal notice and when we ask for an explanation, any associates do not have an answer. I recently applied for a new credit card to have a new option for company expenses and was approved and received cards in the mail. I've had the cards for maybe a month and just received a letter that the account was closed. When I log in online, it still shows the account is open but I am sure it won't be long before it is officially closed. I would just like an answer as to why Chase is refusing to have me as a customer. To my knowledge, I have never done anything against their policies and would consider myself to be a great customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: MA

Complaint narrative:
Attempted to dispute with credit bureaus Attempted to contact XXXX  XXXX  XXXX  for months and they just hang up on me Attempting to report here to have it removed off credit as it was reported only to damage my credit as no way was provided to pay the account they are continuing to mail an old address even though ive reported a new address fir a year

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