vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: AL

Complaint narrative:
I just received a snail mail letter from Equifax. I have circled on the letter what they stated. They have been reporting back to me through CFPB that they are working on my dispute. Well, the letter tells me that they can not find my file. It is past unbelievable. 
They have totally ignored my dispute. I am uploading screen shots of what I see when I log onto my credit files in Equifax. They had completed their response to my original dispute on XXXX. They stated that they had verified the collection account as accurate. 

My original dispute stated that I had been told by the apartment manager that I did not owe anything past the point of my move out. I uploaded copies of emails between that person and myself that was written proof of my dispute. I further stated in my dispute that the collection account was false. Now I am uploading proof that the collection account was false and inaccurate. 

I contacted XXXX XXXX  who has superior management of the apartments and discovered that I had been billed for things that were past the date of my legal notice of departure. Therefore, the collection agency that filed the collection account to the credit bureaus actually filed a false and inaccurate account. My uploads show what I originally stated. I was led to believe that I did not owe anything. The false bill was filed without me knowing about it and now I discover that the account was inaccurate. I have asked XXXX XXXX  to give me a true amount I owe on the account. When they do, I am going to pay it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I used this card once and paid it off. That payment was made on XX/XX/2023 in the amount of {$90.00} dollars ; however it was paid two days after the due date and I received a past due charge for XXXX and XXXX. I paid the past due amount and account was paid in full on XX/XX/2023 in the amount of {$100.00} dollars. I have since received two bills on the account. When I called to discuss the situation I got some double talk which made no sense to me and I continued to ask why I am being billed on a closed account. Since what the service rep was saying to me made no sense to me I hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
I disputed the presence of a fraudulent account on my XXXX credit report, which is being reported by Clark county collection. Despite my repeated attempts to rectify this matter with Clark county directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my XXXX report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I paid for a compressor replacement at XXXX XXXX ( XXXX XXXX ) for my XXXX. Upon receipt of the vehicle, after calling numerous times for updates on my vehicle, I was able to pick it up. I was told compressor replacement was completed correctly, I was directed to pick up my vehicle as the service department was closing and my service advisor was not available so I was left to pay for my services and leave. Upon turning on the A/C I noticed the A/C was not blowing cold, after paying {$2100.00} to get this issue fixed. I made numerous attempts to call and contact the service department, however they did not answer the phone as before when they had my vehicle and I had to call every 5 minutes to get my message to my supervisor, as they only use a phone system. where as the XXXX XXXX uses text and phone systems to keep you informed as well as a tracking system that updates you on the progress of the vehicle. I was finally able to get a hold of the receptionist and she said she would leave a message for my supervisor and the manager of the service department, but that was never done and after more calls no one still returned my call about my compressor not working. 

I went to an outside service department to get an inspection and 2nd opinion on this issue and they told me the compressor replacement was not performed correctly, and i would have to come out of pocket for another compressor. Furthermore, I was left to dispute the charge on my card for reason of : SERVICES RENDERED AND PART PAID FOR NOT AS DESCRIBED ( MEANING IT WAS NOT FUNCTIONAL AND SERVICE PAID FOR WAS NOT PERFORMED CORRECTLY ). The minute I was able to get into the shop, have the inspection and repair done. The service provider provided detailed notes on the invoice of what occurred with the compressor as well as a letter detailing the issues with the compressor XXXX XXXX placed in the vehicle. I initiated a dispute and provided all documentation that Apple Card Support investigators requested in relation to this issue, and they have taken months to " investigate '' and ignore the evidence given. 

I have had to re-initiate this dispute as well as raise a XXXX complaint against the car service company to get anywhere

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc.
State: NV

Complaint narrative:
There are XXXX last payments on my credit report from Upstart that should not be in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Fay Servicing, LLC
State: ID

Complaint narrative:
Fay Servicing 's XXXX customer service number is not listed on their customer service portal. There is a way to message them using their own messaging service, but no email address listed or no phone number. 

If you XXXX " Fay Servicing Customer Service Number '', you can find their number on their website ( not their customer service portal where customers actually manage their loan ). Upon calling their number, an automated voice tells me the figures of my loan. No option to speak to a real person. 

This seems to be a pretty common loan servicing practice. Just giving customers the XXXX when they attempt to get an actual human on the phone. 

It's pretty obvious none of these companies want to talk to the mortgage holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-25 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: VA

Complaint narrative:
Hello, I contacted Chime on XX/XX/XXXX approximately XXXX XXXX XXXX, regarding an unauthorized ATM withdrawal that had occurred on my checking account. Someone withdrew {$40.00} from my checking account on XX/XX/XXXX at XXXX, yet I have the card in my possession. I spoke with a female agent who blocked the card and provided a temporary card for me to use until I received my new card by XX/XX/XXXX. On Monday XX/XX/XXXX, I called and spoke with another female agent who advised there was no record of a dispute in process. She started the dispute process asked me questions, closed the compromised card ending in XXXX and, advised the investigation could take up to XXXX plus days. I received an email on XX/XX/XXXX advising their investigation was concluded and that there was no wrongdoing. They advised they would not be refunding my {$40.00}. I called on XX/XX/XXXX and spoke with XXXX who was very understanding and apologetic. I informed him of the email I received and that I would be filing complaints against Chime because this process took only XXXX days to research, and I feel they did not perform a thorough investigation. I offered to send a copy of my driver 's license and passport so they could compare the atm camera to my picture. I've spoken with a total of XXXX different agents regarding this unauthorized withdrawal. I can not understand how someone could withdraw funds from my account when I have the card in my possession. Please help me obtain my funds back. XXXX dollars may not be much to some, but I'm XXXX, and every XXXX counts to me. I'm very disappointed in Chime because I love the bank and what they offer. I thank you in advance and look forward to hearing from you. You may contact me at XXXX and my email address is XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-03-25 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: EQUIFAX, INC.
State: IL

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-25 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: IL

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 XXXX5 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Pnc tech support in California in my account diverting my money to there accounts since I got the bank account in XXXXXXXX XXXX XXXX editing my transactions so no be no trace where my money went to changing me for multiple times I told the pnc for months even the president of PNC this is happening to others customers also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MI

Complaint narrative:
Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. **Experian Violations : ** XXXX. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX XXXX XXXX XXXX This violates FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) and the corresponding XXXX XXXX XXXXtandard, XXXX XXXX. XXXX. XXXX*Delay in Responding ( Code : XXXX ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( XXXX ) ( A ) and the Metro 2 standard, Field XXXX. XXXX XXXX XXXX Violations : ** XXXX. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** XXXX XXXX XXXX XXXX documentation inadequately ties the debt to me, violating FCRA XXXX XXXX XXXX a ) ( XXXX ) ( B ) and Metro 2 standard XXXX Field XXXX. XXXX. **Neglecting to Address Dispute ( Code : XXXX ) : ** Medical Merchants Credit failed to promptly investigate and address my dispute, breaching FCRA XXXX XXXX ( a ) ( XXXX ) and the corresponding Metro 2 standard XXXX XXXX. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA XXXX XXXX XXXX a ) ( XXXX ) and its Metro 2 counterpart 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 2024-03-25 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: NY

Complaint narrative:
PLEASE UPDATE LATE PAYMENT TO PAID ON TIME OR AS AGREED. 

15 USC 1666B please see attached document

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 2024-03-25 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 checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
They sent me recent payment history not all of it and I never got a copy of the original lease or their validation as a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I reported these accounts with documentation and verifying that I did not have right to these accounts nor did I open these accounts in my name and I still didnt get these accounts resolved or deleted off my credit 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a concerning issue with my student loans that have been discharged under the XXXX XXXX XXXX ruling . I attended XXXX XXXX XXXX, and as a result of this ruling, both the Department of Education and Mohela had previously cleared my student loan balance to {$0.00}. 

However, I recently discovered that my balance with Mohela has inexplicably increased to almost {$40000.00}. This sudden reappearance of a significant loan balance is deeply troubling and has caused me considerable distress and confusion. 

Furthermore, I would like to bring to your attention that Mohela has incorrectly categorized these loans as being in repayment status, when they are supposed to be in administrative forbearance until a borrower defense application is processed. This has further exacerbated the issue and has created unnecessary financial strain on me. 

As a member of the XXXX with a XXXX XXXX, I am required to maintain good financial standing and can not afford to have any negative credit implications. The incorrect classification of these loans and the sudden appearance of this debt could jeopardize my XXXX XXXX and have serious consequences for my XXXX career. 

I have diligently followed all procedures and requirements for the discharge of my student loans under the XXXX v. XXXX ruling, and it is unacceptable that my previously cleared balance has been reinstated without any justification or explanation. 

This situation has caused me significant financial hardship and emotional stress, as I had relied on the assurance that my student loans were fully discharged. The sudden reappearance of this debt, coupled with the incorrect repayment status, has put me in a precarious financial situation and has disrupted my plans for the future. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. I urge you to ensure that my student loan discharge under the XXXX v. XXXX ruling is honored, that my balance with Mohela is corrected accordingly, and that the loans are placed in the appropriate administrative forbearance status until a borrower defense application is processed. 

Additionally, I would appreciate any assistance or guidance you can provide to help resolve this issue and alleviate the undue burden it has placed on me. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution to this complaint. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
Reference claim ID number : XXXX Chime XXXX XXXX, denies my claim of numerous fraudulent charges. 

They approved some of the transactions from the same merchant and was able to get some of my money back, but they are denying the rest. 

They have not sent me any documents or reasoning behind this. The case is now opened for nearly 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company SECURITYCRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation