vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted XXXX Equifax and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY XXXX. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX XXXX  DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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:
At this time, I have initiated a civil suit against Trans Union , LLC for improper and accurately reporting on my consumer report. Not only that, but has in XXXX on my privacy rights as a consumer, by constitution, and pursue it to state and federal state law. Trans Union continues to personalize and give an accurate investigations due to their personalize criteria. If XXXX and fdcpa distinctively protects the rights of consumers in the privacy of their information. Enclosed, you will find the summons and attachments.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section XXXX of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I opened this account on XX/XX/XXXX at XXXX XXXX, since I opened I never receive the debit card and also the pin. I tried to request trough the online banking but I was requested to call customer service, I called customer service and they cant do anything. 
This is the second issue since I opened the account so please fix all with my profile

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX  XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.

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 2023-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2023, Truist Bank told us that our endorsed insurance check would be endorsed by the Bank so we could cash it to provide the funds to us or deposited in our HELOC account. Instead money was kept by the Bank and Bank will not release it to us. We previously filed a complaint with CFPB and were advised that the company would respond. However the companys letter did not address our complaint that the XXXX Florida branch manager XXXX XXXX and the Sr Relationship Manger XXXX XXXX XXXX explicitly and repeatedly represented to my wife and myself that if we endorsed the insurance check, the bank would then endorse it and return it to us for cashing or deposit in our line of credit account. Rather the Banks letter from XXXX XXXX of XX/XX/2023 simply repeated what the Bank says is its policy- to retain insurance check funds and disperse them only upon completion of the work. The letter did not address our complaint that the Bank agents made false representations as detailed above. ( Regardless of whatever policy the bank claims it has, the bank officials represented something entirely differently to us as detailed above, and did not tell us that the bank was going to confiscate our funds. ) The Branch Manager and Sr Relationship Manager are legal agents of the bank and their representations to customers are legally binding. Here the bank obtained our endorsed check based on false statements and misrepresentations. We request that your agency conduct a proper investigation of this matter, rather than sending it back to the bank who failed to respond to our claim. 
XXXX XXXX Truist Bank HELOC account 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. ARIVO ACCEPTANCE LLC XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
Solo Funds use to Deposit and withdraw direct to your account and now they have there own wallet, I have money in that wallet and they won't give me access to it, I think they are bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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 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 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 an 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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 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  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 an 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 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XX/XX/2023, I contacted my mortgage company because I had several life events making it impossible to make my payment. ( I was a victim of a XXXX XXXX XXXX and spent 5 days in XXXX  with medical bills exceeding $ XXXX. I am a designated XXXX XXXX victim as this XXXX  is being XXXX  by the FDA. Prior to that, my husband moved out/we separated and then he lost his job ) During that call in XX/XX/2023, PHH Mortgage stated my account was in excellent standing and I could defer 3 months payments ( XXXX, XXXX, XXXX ) and then defer that unpaid amount until the end of the loan or until I sold the house. I asked multiple times if there was a penalty and confirmed that when I resumed payments I would not owe for these 3 payments all at once. The PHH representative assured me the amount would be deferred until the end of the loan. She stated PHH would suspend XXXX withdrawals and then I would just need to call in at the beginning of XX/XX/2023 to get XXXX set up again. PHH THEN SUSPENDED XXXX PAYMENTS. 

When I called PHH at the beginning of XXXX, I was told my account was in default and they could not set up XXXX. They would also not accept my regular loan payment amount and said I had to pay $ XXXX. Which of course I didnt have. 

Since then, I have called PHH more than 10 times asking for a supervisor regarding the original XXXX agreement. No one ever calls me back. I have been promised on 3 occasions that my issue has been escalated and a supervisor will call back within 24 to 48 hours. I have not received a single call back. 

Then, PHH sent me a notice advising they would modify my loan if I agreed to do so by XX/XX/2023. But the agreement doesnt include the amount of the new loan, doesnt outline the fees, doesnt have an amortization schedule and doesnt state whether or not there is a penalty for paying off early. I have called multiple times asking for this information. No one can provide it. I have emailed the relationship manager but have not received a response. I called and scheduled a meeting with the relationship manager. Her earliest availability is XX/XX/2023, which of course is after this offer expires. 

I called 3 times today because today is the deadline and no one called me back as promised. My calls go through but then the outgoing message states PHH is experiencing high call volume and the call disconnects on me. 

I need assistance because I am getting no where with this company and am terrified I am going to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
I've sent letters and called disputing inaccuracies on my consumer report back in XXXX and in XXXX ( this year ). I have yet to receive a copy of my credit report reflecting requested changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Current regarding their failure to provide me with provisional credit following an unauthorized transaction dispute claim within the mandated timeframe of 10 business days. 

On XX/XX/17, I discovered an unauthorized transaction on my account statement and promptly notified Current of the fraudulent charge. I followed their procedures to file an unauthorized transaction dispute claim, providing all the necessary and evidence to support my case. 

According to guidelines set forth by the Electronic Fund Transfer Act ( Regulation E ), financial institutions are obligated to investigate and resolve unauthorized transaction disputes within specific timeframes. One such provision is the provision of provisional credit to the customer within 10 business days of filing the dispute claim. 

However, despite the passage of the aforementioned timeframe, I have not received the provisional credit from Current. This delay has caused significant financial hardship, as I relied on the prompt resolution of this matter to ensure stability of my finances and meet my financial obligations. 

I have made numerous attempts to contact Current regarding this matter, but I have been met with unsatisfactory responses and a lack of accountability. The prolonged delay in providing the provisional credit has not only exacerbated my financial strain but has also eroded my trust and confidence in Currents ability to safeguard my interests as a valued customer. 

I believe that the actions of Current are in direct violation of the regulations put in place to protect consumers like myself. I kindly request your intervention and assistance in resolving this matter swiftly and in accordance with the relevant consumer protection laws. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure Current fulfills its obligations to provide the necessary provisional credit without any further delay. Furthermore, I hope that this incident serves as a wake-up call for Current to improve its customer service and compliance with regulatory requirements. 

Thank you for your attention to this matter. I eagerly await your response and a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation