vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
It's unfair that I've consistently made on-time payments for this account and have never been late. Please correct my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH MORTAGE LISTED ME AS A LATE PAYMENT TWICE DURING THE COVID PANDAMIC AND I WAS IN THE FORBARENCE PROGRAM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-15 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: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-15 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: OH

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge.

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My brother died in XXXX of XXXX  and I have inherited his estate/I am the executor of his estate. Since he had no children or a spouse, as a sibling I need to pay taxes on his inheritance to the State of NJ. NJ will not release my inheritance until the taxes are properly accounted for and paid. There were 2 checks he wrote that were cashed in one of his Investors Bank accounts that the state of NJ is requesting copies of.

Though we have online access to the accounts, Citizens Bank recently acquired Investors Bank and all the prior historical data ( including digital copies of the checks ) was not brought over into the Citizens Bank portal. So we have lost that history due to no fault of our own but a failure on Citizens Bank side to keep this information. We have called Citizens multiple times and asked for copies of the checks. Every time they say " it's being researched and they'll send us copies in a few weeks ''. This has been going on for at least 5-6 months.

I called 2 weeks ago and they said they would get on it right away. Still nothing. No response.

I need to close this out with the State of NJ. I need copies of these checks. It is not right that a bank is withholding this information fro us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TX

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 XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023, shortly after midnight, I received a text from someone claiming to be my sister in law. The person said that her daughter XXXX owed some people money and they wanted it now, but she didn't have a PayPal account to send the money, and could I send it. I said that I would help, since I had a PayPal account. She first asked for {$300.00}, to be sent to a person I didn't know, then she said that didn't go through, to send {$300.00} to someone else, and another {$500.00} to that person. When I said I didn't have that kind of money in my account, I was threatened with not being able to see my brother or be welcomed to their house. I was told to transfer the money with my debit card so they would get the money right away instead of waiting a few days for the transfer. Then they asked me to buy {$1000.00} in bit coin, and to send it to a different account, I purchased the bit coin and had to add an extra {$100.00} for fees. The bitcoin didn't transfer, fortunately. When I saw my sister in law in the afternoon of that day, she had no idea what I was talking about. I immediately called PayPal to file a fraud claim, and was told that since I made the transfers of my own accord, that it was personnel, and not a business transaction, there was no fraud, and to call my bank. I tried to contact the people I sent the money to, but their accounts were gone. I called my bank, and the fraud department took the information and said they would get back to me. On XX/XX/XXXX, {$1200.00} was transferred back into my account, in the amounts of {$100.00}, {$300.00}. {$300.00}, and {$500.00}. I thought everything was settled, but sadly it wasn't. PayPal said it was a charge back, and that I owed them the money. I don't know what a charge back was, and was told that they had paid the fraudulent accounts and paid the bank as well. I told them that I was told there was no fraud so why did you give the money to the bank. No reply. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a collection agency, and called them to say I don't owe this money, and explained what happened and why I felt I didn't owe PayPal. I was told to call PayPal and ask for records that the money was deposited into my account. Paypal Closed my account and I had no way of getting to see what had happened and to who the money went to. PayPal doesn't care that I was scammed. PayPal is a large company, and repaying someone who was scammed {$1200.00} certainly won't hurt their bottom line, and would show that they are a good company to do business with. In the meantime, I have set up monthly payments of {$25.00}. I will not do business with them again, and will be very cautious of people texting me and asking for money. Thank you. 

As I am unable to open my account, I have to access to emails I have sent to them. Also, the text I received on XX/XX/XXXX was somehow deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: PA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-02-15 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: MS

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

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 2024-02-15 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: PA

Complaint narrative:
Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Account opened Date ; XXXX Amount owed ; {$64.00}. Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Credit Collection Service.They have not provided me with original contract as I requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Subject : Formal Complaint Regarding Misrepresentation by American Express Dear Consumer Financial Protection Bureau, I wish to report an issue that occurred with the American Express ( Amex ) Customer Service in XX/XX/XXXX, where I was provided false and misleading information regarding their Platinum Card offering. 

I initially contacted Amex with interest in an offer I received concerning an Amex Platinum Card. The representative informed me, as a potential Platinum Cardholder, that I would be eligible to receive a " Complementary Gold Card ''. This was appealing as I was told I could accumulate points at a higher rate with a Gold card ( i.e., 3x points or even higher, compared to 1x points for the Platinum Card ). Despite the annual membership fee for the Platinum Card being nearly triple that of the Gold Card, I proceeded to open a Platinum Card account based on this information, which later turned out to be entirely inaccurate. Not only is the complementary card not titled " Gold Card '', but it does not offer any added point rewards either. 

Further, the representative did not verbally disclose any detailed information and failed to obtain my consent that I would review the disclosure agreement independently online or through a paper source at my own convenience. I was accordingly sent both Platinum and " Gold '' cards in the mail the following week. 

A few months later, without prior request from my end, I received a replacement card for the " Gold Card '' in a different color. This prompted me to file a complaint in XX/XX/XXXX and I pursued follow-ups every two months thereafter. Yet, in XX/XX/XXXX, the outcome of their investigation, which dismisses any errors on Amex 's part, was unsatisfactory. 

I hope to receive fair and prompt action in resolving this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX and XXXX XXXX BANK XXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX ( XX/XX/2023 ) & XXXXXXXX XXXX XXXX XXXXXXXX for the month of ( XXXX & XX/XX/2023 ), be updated to paid as agreed on time and NOT DELETED

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 2024-02-15 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: GA

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX and XXXX XXXX BANK XXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with JCMB ( XX/XX/year> ) & XXXXXXXX XXXX XXXX XXXXXXXX for the month of ( XXXX & XX/XX/year> ), be updated to paid as agreed on time and NOT DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In or around XX/XX/XXXX a roommate at someplace I was staying stole my information and was using my Bank of America account and tried cashing a check that caused Bank of America to close my account which XXXX really closed, because when I called they would just give me the run around and then it was XXXX so I wasnt able to go into Bank of America and so they claim I owe an outstanding amount of around XXXX and so I contacted them plenty of times but they werent helpful in any type of way and only made it more difficult even to where I wasnt able to get a account anywhere.

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 2024-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I signed this loan with Navient formerly Sallie Mae at XXXX XXXX XXXX, I am XXXX now and still owe the same amount as I did almost twenty years ago. I bring home XXXX every two weeks. That equals XXXX a month. My Rent is XXXX, Car Note XXXX, utilities XXXX, Groceries, gas, misc equal about XXXX. I am nearly in the negative by the end of the month but the only income based repayment amount I can get is XXXX dollars? this company has tried to ruin my life P.S. while I was beating XXXX they gave me no forbearance or break at all even when I called and tried to work out something.

Company response to consumer: Closed with explanation