vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: GA

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 : DEPTEDXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number: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 2023-12-30 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: TX

Complaint narrative:
I am deeply frustrated by the continued presence of this late open account on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly.

I am writing to file a formal complaint regarding the ongoing issues I have faced in attempting to correct a late open account on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration.

My record shows that this account was Paid as Agreed and I never missed a payment.

This account should not be late pursuant to CARES Act. Thoroughly I want the Credit Bureaus investigate and update this account with lawful accuracy.

I have attached my documents and I you to conduct a fair and thorough investigation into disputed information.

I want your assisstance to resolve this issue promptly, urging you to work with the relevant credit reporting agency to address the persistent inaccuracy of the late open account.

I request that you communicates the resolution of the dispute to you in writing. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : XXXX - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please correct it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
Recently, I tried logging into my OptumBank XXXX account online to manage. my investments and transfer funds to my investments I have what Optum refers to as XXXX 'portfolios ' which are separate sub-accounts to my overall XXXX  investment account. XXXX is XXXX XXXX, which is a closed option no longer accepting contributions. The other is a XXXX XXXX portfolio. 

For quite a while, I was able to manage my investments for both of these online using the OptumBank website. However, upon logging in on XX/XX/2023, I discovered that although my XXXX XXXX portfolio had a balance, I was unable to see the equities/mutual funds/etc in the account, make transactions, see how the assets were performing, or transfer additional funds. Instead, the website is asking me to 'enroll ' again in the XXXX XXXX XXXX XXXX ( seemingly ), and this is erroring, as I am already enrolled. 

Previously, I had setup the 'auto invest ' function which was supposed to sweep cash held in my XXXX to my investment account and invest it according to my portfolio mix, and that was not being performed either, as there is a significant ( XXXX XXXX XXXX XXXX available to invest ) cash balance uninvested. 

I called Optum XX/XX/2023 and spoke to XXXX, and I told him of this situation and the error I was getting. He was unable to help as this seemed to be an unusual situation, despite his best efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX and I, along with my old roommate XXXX XXXX, were amazing tenants at the XXXX XXXX XXXX in apartment XXXX in XXXX NC, from XX/XX/XXXX to XX/XX/XXXX. We were excellent tenants that paid our rent every month that we lived in the apartment complex. On XX/XX/XXXX I received an email stating that I owe XXXX, around {$76.00} was for the rent and the rest was due to damages to the carpet that were not visible when we left the apartment ( They claimed the " damage '' was only visible when they lifted up the carpet ). On XX/XX/XXXX I went to the XXXX nearby and got a money order for {$280.00} per XXXX XXXX XXXX ( Property Manager ) instruction. Despite paying on time and giving my money order directly to XXXX, we received letters from National Credit Systems , Inc. ( a collections agency ) stating that we still owe the {$280.00} that I already paid to XXXX XXXX XXXX XXXX XXXX  months later in XXXX. I immediately called the office and after being on hold for hours, XXXX XXXX came to the phone and asked for my money order information so he could confirm the payment. After that, he told me he would get back to me with more information. XXXX weeks later I went in person to follow up after not hearing back, and XXXX told me that the money order was in the system and I owed nothing. However, I continued to receive calls from the National Credit Systems debt collectors stating I still owe money to XXXX XXXX XXXX 

I have called XXXX XXXX multiple times to determine the state of my money order, and each time I find out the money order has still not been cashed. I returned another XXXX weeks later in person and demanded evidence in writing from XXXX that I did not owe any money to XXXX XXXX XXXX, all he could give me was an email, and according to him the accountants are the only ones able to provide me with a receipt. In hindsight, I should have gotten a receipt of payment the day I gave my money order to XXXX, but I expected him to do his job. 

It is very disappointing as a 100 % paying renter that I am now fighting with a collection agency for funds I have already paid. National Credit System , Inc is demanding {$280.00} which I have already paid. I have filed a dispute with the collections agency XXXX  but have not gotten a status update on any of these disputes. It has been over XXXX weeks since the last dispute was filed through their website. I have sent in a dispute to XXXX today, since this debt I do not owe hit my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: Keystone Credit Services LLC
State: PA

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( KEYSTONE CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery, is listing one account for XXXX XXXX on my XXXX credit report. XXXX XXXX is also listing this account on my credit file/report. This account was included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: MD

Complaint narrative:
I am doing business with a company called XXXX. I have been using them for XXXX years or more. I usually great about on-time payments and paying off accounts early. A few months back, I stopped making my payments. Not because I didn't have the funds. But because I was in the hospital for XXXX and then came out only to suffer from XXXX. During this time, XXXX did not reach out to me to get the account resolved. They could have sent me a letter or an email. But they sent nothing. They automatically marked my account as a late payment. I filed several disputes with Experian over this matter because XXXX is XXXX of their options to explain why your payments are late. The credit agency is not properly handling my disputes and simply close them out as quick as they get them. I would like help with getting my late payments removed from my credit report by holding the Experian agency accountable for the XXXX  option that they have on their website. I even called XXXX  and told them I had XXXX and I had XXXX. I had no way to pay because I was under XXXX XXXX XXXX  with no way of knowing what the outcome will be. The XXXX company is breaking laws by not giving out notices. And Experian is not treating my disputes fairly.

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 2023-12-30 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: GA

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 XXXX Account Number:XXXX has violated my rights. Or 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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Remove unauthorized hard inquiries : 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 XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: 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 XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX 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 2023-12-30 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: 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 XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number: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 explanation
Consumer complaint received 2023-12-30 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: GA

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 XXXX Account NumberXXXX has violated my rights. Or 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 2023-12-30 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: GA

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 XXXX Account Number:XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-12-30 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: CT

Complaint narrative:
I did a loan notification in XXXX. No cash.They did the modification at {$150000.00}. I wasnt even {$10000.00} behind by the time of the modification. They took some funds from my loan and placed it in a non interest bearing loan for {$31000.00}. And now with a forbearance I owe {$54000.00}. along with my mortgage of {$94000.00}. How do I owe more than I did in XXXX. My loan in XXXX XXXX XXXX the balance was {$130000.00}. in XXXX  my balance was {$140000.00}. I was under the understanding that the modification was to help not add {$30000.00} more to my debt which doesn't make since since It was now at a XXXX  loan. And, I started at {$200000.00} in XXXX. So in XXXX  yrs Ive paid less than {$55000.00}. of my loan. 

In reviewing previous payments I found multiple late fees charged a month. Late fees multiple times in one month and all different rates. At different rates and fees for calling my payments in all double charges. Charged XXXX fees XXXX XXXX fees the same day. 
. 
My forbearance for XXXX  months at {$950.00} came out to {$18000.00} I emailed them multiple times to review my acct and they just keep telling me its fine. How am I getting charged multiple fees multiple times a month and months I didnt even get principale payment unless I paid over the mortgage amount. I've spoke with them as well and they just say those are the fees.

Im confused about this and would like clarification as to what has happened and what is going on with this loan. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation