vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Inaccurate Reporting of Account Dates and Status : The existence of the account in question is accurate ; however, the reporting of dates and status by the collection company is incorrect. Specifically, the account open date and the reported date of lateness ( XXXX ) do not align with the actual timeline of events. This discrepancy misrepresents my financial history. 
Misrepresentation by Collection Agencies : The collection company, XXXX XXXX, and their hired firm, XXXX XXXX XXXX, have inaccurately reported the dates of the account opening, lateness, and the account status. This information is crucial for determining the timeline for the account 's removal from my report. 

I have contacted the original creditor, XXXX, and XXXX XXXX, who confirmed that they do not possess the detailed account information. This lack of availability of accurate data raises concerns about the legitimacy of the reported information. 
Violation of FCRA Standards : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. The reported information by XXXX XXXX XXXX does not meet these standards. 

The dispute process with Experian confirmed the existence of the account but did not address the inaccuracies in dates and status. This partial resolution fails to correct the misleading and damaging information impacting my credit score. 

In light of the above, I request an immediate investigation into these inaccuracies and the correction of my credit report in accordance with the FCRA. The continued reporting of false or unverified information by the collection agencies violates my rights and unjustly harms my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the true status of 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 non-monetary relief
Consumer complaint received 2023-12-18 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: Synovus Bank
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor FIRST PROGRESS CARD Account Number XXXX has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 SECTION 604a SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX and I'd like to file a complaint against Equifax, XXXX and XXXX and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : 1 ) My name is uptated on all 3 bureaus.

2 ) That ALL accounts that report any name other than mine : XXXXXXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children.

3 ) There are list of student loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy.

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: LA

Complaint narrative:
I received 2 American Express Reward virtual cards from my employer for {$100.00} each. The first was received on XX/XX/2023 and the second on XX/XX/2023 These cards can not be used in physical stores but I can not use them in ANY online stores, either. They are declined at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and countless other online stores I've tried. 

The company claims that this is done to " protect [ my ] funds '' and I was told to just use them at another store. However THERE IS NO STORE that I can use these cards at!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: NC

Complaint narrative:
I called all three companies, XXXX, transunion, XXXX and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report. 
The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.

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 2023-12-18 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance company is very hard to communicate with. I have called on several dates in XXXX, XXXX and now XX/XX/XXXX to get help. Selene does not have a direct customer service line. An individual has to go through many calls to various prompts that do not result in a customer service line to a person. I have even been given a prompt of the number 8, that does not work anywhere. Then I applied to the XXXX XXXX XXXX XXXX 2 times now and have been denied due to my being scared of foreclosure while waiting for them to respond. There is nothing that says that my delinquency must be maintained for months beyond what I applied for without any payments being made. 

My situation is that I am behind on my mortgage due to a sudden reduction on my income sources and I need to get some help while I bring my income back up. My main sources decreased. My child support was cut off entirely without any notification and the company that I work with changed how it does business and our payment structure that has left me reeling and back peddling to pay bills. In addition, I have had multiple bank mishaps this year, with the XXXX XXXX failure and compromised account on another. 

I need to contact them to verbally speak with my Loss Mitigation Specialist : XXXX XXXX, but the only number to call is the same one that does not connect to people. Please help me get some resolve. I do not wish to lose my home and the HAF program keeps refusing me because I was afraid of foreclosure and borrowed money from my children to pay XXXX payments in XXXX to bring the mortgage to 2 payments past and not 3, which would mean foreclosure will start. I am being denied because I did that when the rules that I read state that I must have been past due prior to XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I transfered XXXX in total to marcus account in XXXX. Recently I found the account is locked. So I called Marcus, they said they need to contact XXXX and let me wait. I recalled after ~ week. they said the account is closed and will mail me the XXXX check. I waited for another week. But didn't receive the check. 
I called them again, now they are telling me they haven't mail me the check yet. And I need to call XXXX, which is the bank I tranferred money from, to recall these transactions. 

After contacted XXXX and I called back Marcus. they now tell me that they are waiting for chase to reply them with a phone call and out me to wait. 

I asked them are a XXXX to get my fund back. they said they can't provide me that. 

I need to use the money since the mid of XXXX and Marcus has been kept my money for very long. And they can't even let me know when I can get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
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. 
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 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 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 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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This is a junk debt buyer trying to collect a zombie debt that doesnt belong to me. Sending harrasdin collection letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: OR

Complaint narrative:
the first sent me a letter regarding my XXXX housepayment daying it would be reduced because I had an excess in escrow. I paid the usual housepayment anyway. they put the extra into principle. next instead of informing me that taxes had gone up and giving me an opportinity to address NEXT YEARS tax situation they simply tell me my house payment is going up in XXXX. I called to ask why today XXXX XXXX they look it up and say taxes are going up by XXXX dollars. 

Its important to note that there was an EXCESS in escrow of XXXX dollars that should have covered any tax deficit of XXXX dollars. so why refund me and set me in arrears? 

note this is the second year in a row they are doing this. last year they said insurance when up by a few dollars. 

they XXXX the payment and tack on interest and my end of year what I have paid is OVER what I could have paid up front. 

I do not know how to get my taxes and insurance out of their hands so that I can pay it separately. this in my opinion would be the only way to stop this abuse. I have seen other people I know lose or be forced to sell their homes because these mortgage companies play these games of refunding excess before paying the taxes and insurance and then claiming there is a shortage. this should NOT BE OKAY with the US government!!!

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I opened a Chase Total Checking account and Chase Saving account under a {$900.00} promotion offer.

The qualifications for the bonus are : Get {$300.00} for opening a Chase Total Checking account and set up direct deposit. 
Get {$200.00} for opening a Chase Saving account and deposit {$15000.00} or more and maintain it for 90 days. 
Get an extra {$400.00} bonus for opening BOTH Total Checking and Saving account. 

I do have screenshot of the bonus requirement and I am attaching it to the case file for reference. 

I have deposited $ XXXX into the saving account and have a direct deposit from my company on XX/XX/XXXX into the checking account. After 90 days, I have received only {$200.00} bonus ( on XX/XX/XXXX ) for the saving account and not the other {$300.00} ( checking bonus ) + {$400.00} bonus ( for opening both account ). 

I have made an inquiry regarding the missing bonus via chase secure message on XX/XX/XXXX and was asked to provide my paystub for the XX/XX/XXXX checking account direct deposit which I submitted on XX/XX/XXXX. I didn't hear back from XXXX after a week and I submitted another inquiry on XX/XX/XXXX and this time Chase replied saying that I am ineligible to receive the checking account bonus which I disagree as I have satisfied the bonus requirement and therefore I am filling a complaint here in the hope that Chase will correct the issue. Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
On or around XX/XX/XXXX. 2023 I was served with a summons for court. Before being served I was not provided proper time to verify that I owed the debt. I was required to submit a response to the court and I did around 5 days after I was served. In my response, I requested that XXXX Resolutions provide me with the original documents validating that it was me who owed the debt. Absolute Resolutions did not provide me with these documents but was allowed to continue with the suit. On the day of court ( XX/XX/2023 ) an attorney for Absolute Resolutions appeared in court and the judge asked me if I agreed with the debt I responded by saying I could not confirm nor deny as I had not gotten proper verification of the debt. The judge then ruled that he was granted a judgment against me. Not knowing my rights at the time and that the statute of limitations had expired I did not know what to do. My complaint is that I was sued by a company did refused to provide me with proper verification and they were awarded a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18 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: MD

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18 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: NC

Complaint narrative:
I contacted this company numerous times to report unknown and inaccurate accounts and they violated my rights.

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 2023-12-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting to my consumer report as a charged off account. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. This account must be removed from my consumer report per IRS Publication 4681 ( 2022 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments ( For Individuals ) See XXXX XXXX XXXXXXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I went to college in 2020. I qualified for fasfa and was told that I did not have to pay it back. have not gotten any letters, emails, calls or anything to pay anything back and it is affecting my credit. the amount is around {$3500.00}. I have called multiple times and stayed on the line for hours on end. I have never been put through to talk to someone. I have emailed in and have not gotten an email back in over 2   months of trying to get in contact.

Company response to consumer: Closed with explanation