vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-19 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-19 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I called Aidvantage Friday XXXX XXXX XXXX XXXX requesting information on my portal said my account was past due but I had just received noticed on XX/XX/17 that an overpayment was made on my account. I was subsequently hung up on before I was given any information. I called back at XXXX asking the same information, and the representative could not provide me any insight as to why my account was once again past due when it shouldn't have been. They had no answers for me, and when I lamented that I constantly am having an issue with servicing they also hung up on me. How am I supposed to have my account serviced when I am constantly hung up on, and no one can explain why my account keeps being handled incorrectly. I spend more time servicing this account than they do, and am constantly having to correct them, meanwhile they are free to not respond to complaints, inquiries, and hang up on me whenever they feel like.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  According to 15 USC 1692c ( c ) refers to a specific section of the Fair Debt Collection Practices Act ( FDCPA ), a federal law that regulates the actions of debt collectors. This section outlines limitations on communication with third parties regarding a consumer 's debt.

Specifically, 15 USC 1692c ( c ) states that a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, the consumer 's attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

In summary, this provision restricts debt collectors from discussing a consumer 's debt with third parties except under specific circumstances outlined in the law. This restriction is designed to protect consumer privacy and prevent harassment or embarrassment caused by inappropriate debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-19 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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: 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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Bought a XXXX phone system for {$85.00} at XXXX online on XX/XX/year> and paid with Citi Costco Visa XXXX XXXX. I returned the said phone on XX/XX/year> to XXXX. I called XXXX on XX/XX/year> XXXX on XX/XX/year> to ascertain the status of the refund in the amount of {$85.00}. Subsequently, I called Citi and started a dispute on or about XX/XX/year>. Citi issued a conditional credit for {$85.00}. However, as of XX/XX/year>, I haven't received the {$85.00} refund from XXXX. XXXX emailed me on XX/XX/year> stating the " refund is on the way. '' Attached are supporting documents that show I returned the XXXX phone system and XXXX acknowledged this and the {$85.00} refund will be issued.

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 monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened several claims ( disputes ) with CHASE J.p. MORGAN bank around XX/XX/XXXX. I was previously XXXXXXXX XXXX XXXX XXXX XXXX and I was declared gravely XXXX XXXX XXXX XXXX  During that time my money was stolen totaling in over {$6000.00}. They gave me the replacement money and closed my account the next day. I had previously been a customer with them for about 5 years. They told me I would receive a check in the mail with the full amount of money in the account at the time of closure. Instead, I was sent a check for a little over {$2000.00}. I told them I had medical records proving that i was XXXX XXXX at the time of the transactions that i was disputing. They kept giving me the run around. its XX/XX/XXXX and i still have not received the rest of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: VA

Complaint narrative:
After my account had been paid off and closed, a few months later a remark was placed on my report stating Potentially Late. They asked to sign a document for a late payment to be added at the end of the loan so it wouldnt show up as a late payment. This was done four years ago. So how can they post this statement on my report if they asked me to comply and it was paid in full?

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 2024-04-19 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: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is trying to charge me for monthly reports, which I didnt request. I only requested my credit report one time.

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 2024-04-19 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: PA

Complaint narrative:
I've consistently maintained punctual payments on this account, preventing any instances of overdue status. The rationale behind the reported late payment remarks on my accounts eludes me. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: TN

Complaint narrative:
I have attached a document detailing my issue. To make this short, I have been attempting to apply for the SAVE program for almost a year. MOHELA continues to deny my requests stating that my loans are not in repayment. The president did not say current students are not eligible to participate in the program while attending school. Also, now my loan has accrued XXXX in interest. 
I have asked MOHELA to take my loans out of forbearance and put them into the SAVE program. They will not do it. They refuse my repeated requests. How is it legal for them to dictate how my loans are handled when I am the one responsible for paying them back? 

I attached the letter they sent me yesterday to document what I am saying. Also, I qualify for XXXX payments due to being downsized. This is why they will not take my loans out of forbearance. And they want them to accrue interest, 7 % daily interest. 

I wrote a letter to the US Department of Education in XX/XX/2023, and they did nothing about it. I still have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
Hello, I am having a terrible time with customer service. Everyone points, the finger, the credit card ppl blame the checking account side and back and fourth!! US bank refused to look into this situation! Credit card ppl refused to file fraudulent claim and US checking says they cant do anything because its the credit card problem!! If Im saying I didnt do it!!! I didnt switch anything to a back up for my checking account. If nobody knows anything or refuse to have due diligence in the matter how can I keep getting no help?? How can you refuse to fix the problem?? I cant pay my credit card now bc of {$770.00} charge I did not make at XXXX XXXX!! Dnt have a back for my checking!! Havent changed it to my checking or credit account!! What sense does it make to use my credit card for back up or whatever may have you just so I pay an enormously high interest???? This has never happened to any of my accounts!! US bank has the worst customer service support because everyone just defer!! This has interrupted my life in every aspect and because its on going, when I have done everything to reach some kind of manager or management!

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I called and portfolio told me it was XXXX XXXX XXXX. I tried to contact XXXX because I do not have a contract with Portfolio and wanted to know the actual balance. I talked to XXXXXXXX XXXX XXXX XXXX XXXX  explained the situation to him. He said even if sold it should show something. Portfolio has dates as open XX/XX/XXXX which is incorrect I never signed any contract or talked with them for them to put that as the date opened. they also have updated last report day on a regular basis. The original date opened with XXXX was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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