vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
Dispute of Inaccurate and Inconsistent Reporting for Discover Student Loan Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my Discover Student Loan account on my credit report. Discover informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : 1. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a 1099-C for the forgiven balance.

2. The account is not marked as Paid in Full as Discover promised, which violates the terms communicated in their letter.

3. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}.

This reporting contradicts the information provided by Discover and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, a purchase was made on Amazon.com for a Disposable Cat Litter Box - Collapsible Design for Travel ( XXXX XXXX XXXX XXXX and order # XXXX ). 

Although proper use was ensured, the litter box proceeded to leak cat XXXX in the backseat of my vehicle, despite being advertised specifically for travel. When I requested assistance from Amazon, I was told at first that only under the circumstance that I would be receiving a refund is if I placed the item soiled in cat XXXX in the mail to return. I explained many times that this was not possible and illegal and eventually, Amazon did agree, on two occasions, to issue the refund ( emails will be attached that confirm this ). I then never received the funds and Amazon once again has refused to do anything to help. 
As a last resort, a dispute was created with Chase ( the method of payment was with their Amazon card ) and although this information was provided several times, they sided with Amazon.com and closed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I am writing to formally file a complaint against Mercedes Benz Financial Services for violating an agreement to provide me with a grace period ( 90 days, payment deferral ) and subsequently reporting my account as XXXXXXXX XXXX XXXX XXXX days late to the credit bureaus. This action is both inaccurate and damaging to my creditworthiness. 
In XX/XX/XXXX, I contacted Mercedes Benz Financial Services to discuss my financial situation and requested a temporary payment deferral. After our discussion, Mercedes Benz Financial Services agreed to give me a grace period for upto 90 days. During this period, I was assured that my credit report would not reflect any late payments as long as the terms of the agreement were followed. I complied with the terms of this agreement. 
Despite this, I recently discovered that Mercedes Benz Financial Services reported my account as 90 days late on my credit report. This is both misleading and unfair. The inaccurate reporting has negatively impacted my XXXX XXXX and caused unnecessary stress. 
I have attempted to resolve this matter directly with Mercedes Benz Financial Services by contacting their collections department on XX/XX/XXXX but the issue remains unresolved. 
I request the CFPB 's assistance in investigating the matter and ensuring that Mercedes Benz Financial Services 1. Corrects the erroneous late payment reporting with all credit bureaus immediately 2. Provides written confirmation of the correction 3.Reviews and improve their processes to prevent such errors in the future.

Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
To Whom It XXXX Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. XXXX hoping you understand I have kept a close record of all response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-03 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-03 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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 2024-12-03 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt bondage, which falls under XXXX  according to XXXX- Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-03 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SXXXX XXXX XXXXXXXX TO GIVE ME AN ADDRESS WHERE TO SEND MY HURRICANE INSURANCE PROCEEDS CHECK -FOR DAMAGES TO REPAIR MY HOME, I called XXXX XX/XX/year> XXXX. to get an address where to send priority mail my insurance proceeds check in the amount of {$12000.00}. I was told the claims dept is closed today, you can call them back on XXXX  to confirm information at XXXX. I called this am XX/XX/year> spoke with rather rude employee XXXX whom refused any sort of ID XXXX  just said XXXX office. I asked for a physical mailing address to send my insurance proceed check She ***REFUSED*** to give me the address TO MAIL IN THE XXXX! ON A RECORDED LINE. SHE REFUSED MULTIPLE TIMES. Asked me to call back in 3 days? For what? She had a fake phone # listed for me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND PUT IN A FAKE #. I had her correct the phone # XXXX. I asked for manager/supv. She put her friend I presume on the line, XXXX a resolution team person ( also another person who said nXXXX XXXX XXXX  XXXX worked in XXXX. He also REFUESD TO GIVE ME AN ADDRESS send in my Hurricane insurance damage XXXX. I asked him why? Ive never heard of such XXXX There is no department that handles insurance losses at this XXXX XXXX your staff is RUDE AND UNACCEPTABLE. He stated he had to send some request somewhere to do something XXXX nothing else he could do, but tell me call back in 3 days. SHAME on you for treating the XXXX XXXX XXXX I will also forward a copy of this complaint to XXXX. Attorney General and your CEO. I STILL HAVE NO RESOLVE, NO PLACE TO SEND INSURANCE CHECK AND CAN NOT FIX MY HOME! I WILL RETAIN AN ATTORNEY IF NECESSARY AS OBVIOUSLY YOU ARE ONLY GOOD AT CUTTING AND PASTING YOUR REBUTTALS AND NOT GOOD AT READING WHAT THE ISSUE IS TO RESOLVE IT. The XXXX CO IS ISSUING ME ANOTHER XXXX IN MY NAME ONLY SO i CAN GET THE REPAIR DONE. YOU PEOPLE ARE THE WORST TO DEAL WITH TRANFER MY LOAN ALREADY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
Subject : Dispute of XXXXXXXX XXXX XXXX Account Under FCRA To Whom It XXXX Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXXXXXX XXXX XXXX According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data.

Actions Requested : Proof of Licensing : Provide verifiable proof that Credit Collections is licensed to collect debts in California.

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report.

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction.

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: WI

Complaint narrative:
I submitted a complaint on XX/XX/year> in regards to this companies contradictory response. The company responded that they verified the accounts with XXXX XXXX and that they are accurate. Who did they speak to verify this information? I have documentation from XXXX XXXX that states that they could not verify the info and it has been deleted from their database. How did this company verify information that is not verifiable?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
I currently have XXXX consolidated loans under the XXXX plan which is currently under an injunction .The account is also under PSLF.At the commencement of the injunction, I received a later stating that interest would not accrue due to the account being under a mandatory forbearance. Today I received a letter stating interest will accrue durinh forbearance which violates the initial agreement of the injunction. My account now reflects XXXX XXXX XXXX  in compound interest as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation