vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: NY

Complaint narrative:
I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 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.

This is unfair and if they are doing this to me imagine who else they are doing this too.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Recently I XXXX XXXX applied for an FEB/DESTINY credit card and was denied an extension of credit by FEB/DESTINY. On XXXX XXXX, I applied for a FEB/DESTINY credit card. As you may be aware, it os against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am the XXXX of my father 's estate. Rushmore Loan Management ( RLM ) recently transferred this mortgage to Rushmore Servicing ( RS ). RLM processed the order in a timely manner and I was able to do what I needed to do to make sure the loan was in good standing as I am required to do as XXXX. 

RS first claimed that I was not anywhere on the loan at all despite their own invoices listing me in the c/o ( care of ) line. They then said that they can only speak to XXXX XXXX, or my last name as my first name and my middle name as my last name. 

I then submitted the same court order to RS that I sent to RLM and they never processed the new paperwork. Every time I try to call I am hung up on when sent over to their XXXX XXXX Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than XXXX years old. I have been trying to have my loans forgiven per the Biden Loan forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2023 my husband wrote a check from our Huntington account to the internal revenue service. The check was intercepted and on XX/XX/2023. It was apparently cashed at a XXXX XXXX with no signature on the back of it. Huntington contacted us to tell us that a fraud had taken place And we were under the assumption that they had caught the transaction before the money was withdrawn from our account. Later, Huntington told us that we needed to get an affidavit signed by the IRS stating they never received the money. Huntington had already contacted us to let us know that a fraud had taken place, so why was the onus on us to prove that fraud had taken place? I contacted the IRS and they said they do not sign affidavits like this, but they will do an internal investigation which will prove the money was never received, even though the person I spoke to said, she already knows the money wasnt received. We have been dealing with this for several months now and Huntington will not give us our XXXX back. How can someone cash a check written out to the IRS that doesnt work for the IRS and how can a check be cashed without a signature?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank victoria 's XXXX has falsely reported XXXX late payments on my account to the credit bureau, when in all honesty i never used their credit card. i never had a payment to make but they called me and took payments. Upon asking they said they refunded my money back which is false. when i questioned more they said they adjusted the money in my credit balance.which i don't owe a single XXXX as there is XXXX XXXX credit usage on that account. upon asking they agreed that it's their mistake that they posted XXXX wrong payments and that i should send a dispute to Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and settle it. Which i did on the XXXX of XX/XX/year> only for the XXXX credit bureau to tell me that they investigated and contacted comenity bank and made changes to the account ( which is to remove those late payments from my credit report ) as they affect my credit worthiness and credit score. But, i don't see a single change. It is still the same. I contacted them regarding this and they said i should ask comenity bank to send them a report requesting that they are at fault and these late payments should be removed from account, but why me? i asked for an investigation and should transunion not do that? i agree and go back to comenity bank asking to provide my report and admit to their faults and change my report with transunion and they respond with i should be writing to the same XXXX XXXX XXXX requesting this? how many time do i keep doing this? if i am to keep a track of all communication and investiagtions, then what is whole point of my dispute? why can't people do their job? why is comenity bank not providing me or transunion the information? how many more months do i keep going back and forth asking for a resolution? how long do i keep waiting without buying a cr or a house or even rent an apartment? because this credit report hinders my ability to do any of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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:
In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
EXPERIAN 1- XXXX XXXX 
XXXX XXXX XX/XX/XXXX 2- XXXX XXXX  XXXX XX/XX/XXXX 3- XXXXXXXX XXXX XX/XX/XXXX 4- XXXX XXXX XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6- XXXXXXXX XXXX  XX/XX/XXXX 7- XXXX XXXX XX/XX/XXXX 8XXXX XXXX  XXXX XXXX XX/XX/XXXX 9- XXXXXXXX XXXX XXXXXX/XX/XXXX 10- XXXX XXXX  XX/XX/XXXX 11- XXXX XXXX XXXX XX/XX/XXXX XXXX 12XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and

corrected from erroneous reporting in my file are listed on my credit report.XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-29 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: GA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
My card was compromised and I reported the charges before the billing date and put a freeze on my card. I subsequently received the charges on or about XX/XX/year> to XX/XX/XXXX, XXXX It seems that someone used my card on a vacation in areas that I had not visited. My card number was used, but that card was in my possession. The card, Discover, re- issued with another account number. The amount of charges exceeded {$2000.00}. I tried to negotiate with several agents, instead they charged me with outrageous interest payments which I could not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Recently I XXXX XXXX applied for an Apple card and was denied an extension of credit by Apple. On XXXX XXXX, I applied for a Apple Credit Card with Goldman Sachs. 

As you may be aware, it os against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) Apple and Goldman Sachs has violated my federally protected rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I'm writing this statement to report a fraudulent activity that was made through one of my digital wallet cards. I've already contacted the merchant to request further information and received an official email confirming that the charges made on my account under this merchant 's name were used as fraud activity. 
However, after submitting the document to my bank agent, Chase Bank, the Chase investigation team denied my claim. The agent 's explanations were ; 1 ) Because the fraudulent activities were made through Digital Wallet ; XXXX XXXX, they couldn't identify whether someone made the transaction. Because, when the transaction is made through XXXX XXXX, the information that is sent to the bank is actually under my name, not the person who is actually using the card. This is one of the reasons why I contacted the merchant to get a verification or official statement stating that this is a fraudulent activity. 

I've already claimed to the Chase bank but having the same answer. 

There are two fraudulent activities were made with total amount of i ) {$160.00} / Merchant : Hotel at XXXX XXXX XXXX XXXX XXXX XXXX ) {$300.00} / Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information for the investigation. I'd happy to provide any requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I paid off the settled balance as agree, unfortunately the settlement agreement was never signed by your company ( XXXX XXXX ) in which I was promised that the settlement agreement would be signed by XXXX XXXX. I was the only one that signed the agreement. And as far as my Proof of claims letter and debt disclosure letter is concerned, those are a total of XXXX questions on those documents that i as a customer/consumer have a right ask. Unfortunately, no one from XXXX finance answered the questions. The only response was " YOU DEMAND '' I stop sending " SCMEMS ''. Why haven't XXXX XXXX signed the settlement agreement that was sent to me through XXXX? I was promised that after payment XXXX XXXX will email me a signed document from them agreeing to the settlement contract agreement. " MY QUESTION IS THE AGREEMENT VALID '' as opposed to a final receipt? Just like XXXX XXXX Has a right to email me or call me to ask " THIER '' question to settle at a certain percent, I have the exact same " RIGHTS '' to email or send a letter with questions. And if the questions are avoided/ignored then I have a right to assume the inaccuracy of the account/contract/assigned contract invalid and yes return respectfully the XXXX XXXX XXXX blazer. My questions are fair in the debt disclosure letter and proof of claims letter. However, you/XXXX STAFF insulting response TO MY XXXX QUESTIONS was " XXXX XXXX IS DEMAMNDING ME TO STOP SEND FRAUD SCHEME LETTERS '' No one called me to cover the questions. Also, certain things weren't disclosed in the time of signing the " ASSIGNED CONTRACT FROM THE DEALERSHIP. PLEASE RESPECT MY REQUEST AND MAIL ME THE " SIGNED SETTLMENT AGREEMENT AS WAS PROMISED FROM XXXX XXXX. RESPECTFULLY IF YOU HAVE FURTHER QUESTIONS, PLEASE CALL ME AT Thank you, Respectfully, 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 2024-01-29 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: MD

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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