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

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-12-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus did not have proper cyber security tools, practices, controls and operations in place because Marcus allowed my two Marcus Certificates of Deposit ( CDs ) to be drained ( {$100000.00} ) and Marcus closed my two Marcus CDs in XX/XX/2023 and REFUSED TO PAY ME THE INTEREST these CDs would earn had they not been BREACHED. MARCUS also made me pay the PENALTY for the CDs closing EVEN THOUGH MARCUS allowed the breach to occur. I want the penalty REMOVED and I want XXXX and XXXX interest earned on the two CDs. Thank you.

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

Complaint narrative:
I see fraudulent inquiries on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports.

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your 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 2023-12-12 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: LA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my Rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit reporting bureau 's are telling me that my social security number is incorrect. They don't have anything for me. But I know I have bad credit. I know I have student loans. I know I have things on there so my credit should be active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: PA

Complaint narrative:
XXXX XXXX I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-12 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: PA

Complaint narrative:
XXXX XXXX  I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would like these inquiries removed off of my account because I did not authorize them to run my credit.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-12 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/, I visited the Nelnet loan servicing website ( Nelnet.com ). I have a number of student loans serviced by Nelnet, but not all the loans carry the same interest rate. My question is a relatively simple one. If I want to make an extra payment, I would like that payment to be exclusively applied to the highest interest loan, so, " how do I direct a payment to a single loan, rather than having it spread across all loans? '' To answer this question, I went to Nelnet 's " Contact Us '' page. On the page, there is an option for " LIVE chat, '' however, upon clicking the live chat, the chat is directed to a bot, not a living person. The bot has been given the name XXXX, in an attempt to obfuscate the fact that it is not " live, '' or human. Further, the bot is incapable of answering the question that is the intent of contacting the so-called, " live chat. '' When the bot is then asked how to speak to a human, it directs back to the " Contact Us '' page, which in turn then directs back to the " live '' chat in a circular manner, never yielding an answer to what is a simple question.

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

Complaint narrative:
Take a look at the attached documents. I request the bureau to begin an investigation into these accounts, despite my punctual payments, they are incorrectly reported 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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their failure to pay my property taxes despite having sufficient funds in my escrow account. This failure has resulted in late fees and penalties being assessed against me by the XXXX XXXX tax authority. 

Details of the Complaint : I have impounded my property taxes in my escrow account with Select Portfolio Servicing. My escrow balance exceeds {$10000.00}, which is more than sufficient to cover the property tax installments. 
The first installment payment of {$4200.00} was due on XXXX XXXX XXXX Despite the availability of funds in escrow, Select Portfolio Servicing failed to make this payment. 
As a result of their inaction, the XXXX XXXX tax authority assessed a late fee of {$420.00} against me. 
I have attempted to contact Select Portfolio Servicing on numerous occasions ( 10 phone calls ) to resolve this issue, They tell me the same things saying they will get paid for weeks and escalated the problem but County tax doesn't show it's paid. 

I request that the CFPB investigate this matter and : Require Select Portfolio Servicing to immediately pay the outstanding property tax installment of {$4200.00} to the XXXX XXXX XXXX XXXX 
Reimburse me for the late fee of {$420.00} that was assessed due to their negligence. 
Take appropriate regulatory action against Select Portfolio Servicing to prevent similar violations in the future. 

Select Portfolio Servicing 's failure to pay my property taxes despite having sufficient escrow funds is unacceptable and has caused me financial harm. I urge the CFPB to take swift action to address this issue and hold Select Portfolio Servicing accountable for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I received notification from third party monitoring that an account was opened with Comenity bank and delinquent. I started the process by calling the company to dispute it, and tell them it was a fraudulent application. They insisted I update my personal info with them so they could reach me after their 90 day investigation period. I have never done business with this bank and you will see that all information is synthetic ID theft. The application and original profile details are fraudulent and will not verify to me XXXX XXXX or XXXX. Please also have Comenity verify fraudulent IP addresses to open the profile and fraudulently apply for credit. Comenity is now saying the information on file matches to me- of course it does- they forced me to update it in XXXX. The original, historic information is false and will not verify to me. I am asking this acct be removed from my credit reports entirely. It has caused a domino affect and other cards are taking adverse action against me when they see this delinquent acct and it is causing financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 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: NCB Management Services Inc.
State: TN

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with NCB Management Services they did not provide me with the original contract as I requested. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet is purposely making repayment in full impossible in order to add additional balances under the guise of " accrued interest. '' Nelnet does not have a " Pay in full, '' option - instead the site directs borrowers to calculate a " Payoff Amount '' as of a certain date. On XX/XX/XXXX, I selected XX/XX/XXXX as the " Payoff Date, '' obtained the " Pay in Full '' balance in the approximate amount of {$9600.00}, and submitted that amount as payment. When I logged in the following week, it showed a balance of approximately {$51.00}. This amount would represent approximately XXXX full months of interest. Frustrated, I attempted to call the servicer - I was on hold for over XXXX hours and gave up. Although I believe adding a full month of interest within XXXX week is fraudulent- I didn't want to fight over {$50.00} so I tried again to pay the account in full. I set up a " Payoff Date '' of a little more than a week in the future ( for XX/XX/XXXX ). It would NOT let me pay any more than what was indicated as owed ( for example, I tried to pay {$60.00} for the " payoff amount '' of {$58.00} to avoid more " accrued interest '' but it would not let me- it only allowed me to pay the " Estimated Payoff Amount '' as of XX/XX/XXXX ). I logged in on XX/XX/XXXX - each loan group had a balance of {$0.00} and indicated " Paid in Full '' under repayment status. I thought it was odd that I did not receive a payment in full email confirmation, so I logged back in on XX/XX/XXXX to find more " accrued interest, '' this time in the amount of {$.00} on XXXX of the loans. This is fraudulent, inaccurate, and a deliberate scam to milk honest borrowers out of every possible cent. I emailed, attempted to call ( on hold again! ), and tried their joke of a chat bot. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX ( XXXX ) XXXX Mobile To : Chase Bank XXXX : Reopening Dispute case of XXXX Transaction date : XX/XX/23 Dispute opened : XX/XX/23 To whom it XXXX concern, My account had been charged 3 times without my authorization : {$100.00} posted on XX/XX/23 from XXXX {$100.00} posted on XX/XX/23 from XXXX {$100.00} posted on XX/XX/23 from XXXX I am requesting the amount of {$100.00} which was posted on XX/XX/23 to be returned back to my account. These were unauthorized transactions and frauds. I am requesting you to re-open the dispute case letter on XX/XX/23 and credit the above money back to my account. Chase has not been protecting their customers against fraud and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: IL

Complaint narrative:
I recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, Equifax, and XXXX are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

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 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I went to go look at my report & I see this person calling me a debtor ( XXXX XXXX XXXX ) I dont know this person, & I never did business with them. I dont owe them anything that theyre tryna collect. Its causing me damages & hardship XXXX & this person dont have any contracts & I didnt give written consent for them to furnish my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
The XXXX major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( XXXX ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a XXXX for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

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