vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
My Elan Financial Account has been paid in full as of XX/XX/year> and has been updated correctly on my XXXX credit file. XXXX and XXXX are still showing a high balance of over {$10000.00} even though my account has a zero balance. After speaking with XXXX at Elan Financial today ( confirmation # XXXX ), I've been informed that Elan Financial has already updated the information to the bureaus, and it's correct, and they have no control over what XXXX and XXXX are showing on my report. She was also unwilling to transfer me to Elan 's credit dispute division and stated they do not speak to customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
XXXX XXXX C/o XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/2024 Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Sir/Madam, Subject : Update Request for Discharged Debt ( Account Number : [ Your Account Number ] ) I hope this letter finds you well. As a securities transfer agent, I understand your responsibility to wire our securities to the treasury for the purpose of discharging public and consumer debt. I assure you that I am committed to providing any additional documentation or information necessary for the proper handling of this transaction. 
I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 
I kindly request that you take the appropriate measures to update all records associated with the discharged debt indicated by the aforementioned 1099C form. This includes but is not limited to, updating internal records and informing any relevant third-party credit bureaus about the status of this debt.

Please ensure that any information previously reported regarding this debt reflects its discharged status accurately. It is imperative for the accuracy of my financial records and credit profile that this information is promptly updated. 
The purpose of this transaction is to effectuate the wire transfer of my securities to my XXXX Account. The XXXX Account information for the wire transfer is as follows : XXXX Account Information : * Bank Name : XXXX * ABA Number : XXXX * Account Number : XXXX Should you require any further documentation or clarification regarding this matter, please do not hesitate to contact via email at XXXX. 
Thank you for your attention to this request. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
IDs XXXX XXXX Dear XXXX & equifax XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Pictures of proof included XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I looked up my credit report on XX/XX/2023 and sent letters to experian. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over XXXX  days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account has been paid in full as agreed on XX/XX/year> and should not reflect any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my checking account on XX/XX/XXXX and there was a remaining. I have been trying ever since to get my money back but Citibank told me i have nothing to get, I made lots off phone calls to Citibank they also advised me to go to my local branch. but i never received my balamce of my money. they also told me that a check was prepared for me on XX/XX/XXXXXXXX  bur nothing was ever mailed to me. The amount was for {$14000.00}. Please i will appreciate if someone can please assist me get back my money. thamk you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I have requested my consumer file twice from Lexis Nexis. The first time i sent proof of ss number, address, and copy of passport. The second time, I used their online form that requests all the information that is required to provide me my consume file. Both times, they have replied stating there is not they do not have enough information to properly identify me. They have provided no explanation in were I was deficient in my request. I am attempting to purchase a home and know what my consumer file contains is my right and is Lexis Nexis to deliver once requested. After two attempts, they have failed to provide me the required information to my detriment as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I initiated an instant debit transfer from PayPal to my XXXX XXXX XXXX checking account in the amount of {$420.00} with an instant transfer fee that resulted in the final transfer amount being {$410.00}. On PayPals end, this was conveyed to me as being denied. They claim the card issuer denied the funds. XXXX claims there was a successful fund transfer and then a reversal microseconds later. Funds are not present in PayPal or my checking account. Money has effectively been destroyed from my perspective. Both institutions claim the other institution has to resolve the problem when I contact them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted a {$200.00} American Express XXXX XXXX marked amexXXXX. I've logged in online and confirmed it has a {$200.00} balance. However, I'm effectively blocked from using this card online because American Express has no mechanism for associating a zip code with the card, and virtually every online vendor validates zip code. As a result, I am unable to access these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 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: PA

Complaint narrative:
My name is XXXX XXXX , this statement is being generated on my own behalf. Per the Fair Credit Reporting Act, the below accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.

The following accounts and inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX , this statement is being generated on my own behalf. Per the Fair Credit Reporting Act, the below accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.

The following accounts and inquiries were not authorized by me and I request removal : XXXX XXXX XXXX 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 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am disputing the monthly statement and loan activities on Account XXXX. 

PennyMac Loan Services is in violation of Performance or Acceptance under Reservations law, UCC 1-308 and has neglected their Fiduciary Duties and has not performed the processing of negotiable instrument Accepted on XX/XX/24. ( Via Register Mail XXXX XXXX XXXX XXXX ) also violating the XXXX XXXX. 

A mortgage is a dead pledge, is it not? 

Ive notice fraudulent activities on Account XXXX, I see Escrow payments being made to foreclosure Attorneys that We the true beneficial holders and Authorized Representatives did not Authorize. PennyMac Loan Services LLC is in Violation of the Truth and Lending Act 15 USC 1666 and the Securities Exchange Act.

PennyMac needs to explain the payment for {$19000.00} made to XXXX where was the payment applied? 

PennyMac Loan Services needs to explain why would the beneficial holders be paying for an adverse action against an account thats been settled with a negotiable instrument and registered securities? See UCC 3-104, Negotiable Instrument, UCC 1-308 and UCC 3-603 Tender of XXXX. 

XXXX also requested a special deposit of the original contract? when will the Trustee perform? After PennyMac Loan Services LLC initiated Foreclosure they have failed to correspond to special indorsement instructions.

I believe PennyMac Loan Services is committing securities fraud and identity theft against XXXX XXXX and XXXX XXXX. PennyMac Loan Services , LLC and Trustees need to respond via Affidavit of Truth notarized proving that they are in fact the lenders of the original loan and they are in fact the beneficial holders and authorized representatives on behalf of the Account Holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received an email from Medical Data Systems XX/XX/2024 asking me to click on a link to pay or call them at ( XXXX ) XXXX. They are requesting {$210.00} from XXXX XXXX XXXX. I do not have a pass due bill with XXXX. I believe this company was able to contact me due to my email address being on the dark web. I do not have a mailing address to send a cease communication letter. I am afraid to call because then the company will have access to my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is not so much a complaint to Bank of America but a call to action to Bank of America and who ever might be needed to do so. 
Reported counterfeit checks sent to me by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America and The XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXNever heard in response about the report from any of the XXXX. On month later on XX/XX/XXXXXXXX XXXX I notice and deposit in my bank titles counter credit. I did not make that deposit. Someone either went into the Bank of America or Mail in the check without my permission and made that deposit and a teller let the imposter or whoever else it may be do it know that this can not be done without my permission. So, I uploaded document labeled counter credit which states that someone went in and made the deposit. Also, I uploaded bank of check picture that is Bank of Americas copy that shows that the deposit was done by mail. Also, if that check is fraudulent why is it showing as cleared. There might some conspiracies inside the Bank of America XXXX. I have made a report to the XXXX Office of Attorney General, as well I do not know if that office cares or not. 
I have uploaded an extra copy of the check that states a value of {$30.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
IDs XXXX XXXX Dear transunion & XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX TU/ XXXX XXXX XXXX XXXX - XXXX Pictures of proof included XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They will not address soft pull and hard pull.

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