vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX {$480.00}

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 2023-11-17 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: TN

Complaint narrative:
On XX/XX/2023, XXXX sent a payment for {$160.00} to Aidvantage. Aidvantage claims to not have it. I opened a research request with XXXX and received confirmation that the payment was sent. Aidvantage claims they do not have it. 

When I call support to follow up, the wait times are 1hr 30min + and I can not get a hold of anyone to refund my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Good evening, This letter concerns the transaction on XX/XX/2023, from XXXX in the amount of {$310.00}. The reason for disputing this transaction is that the hotel room was canceled due to the unsatisfactory condition of the room. Both rooms smelled as if someone had urinated everywhere. I canceled my stay at the front desk and was informed that I would receive reimbursement within 7-10 business days. As that timeframe had elapsed, I disputed the transaction through American Express. Initially, I received a credit, but it was later revoked. I reopened the dispute, contacted XXXX, and have video recording proof that XXXX will reimburse me. However, they lied about that, and American Express closed the dispute again, stating I didnt have pictures or didnt cancel the room before checking in. 
How can a person check the room before checking in with the hotel? This doesnt seem reasonable or possible unless there is a policy by American Express and XXXX that customers are unaware of. I reached out to XXXX again and was promised reimbursement once I provided the following information : Documents needed : For bank/credit card statements, please ensure the following details are visible : The cardholder 's name The banks logo The last 4 digits of the credit card number The merchants name The transaction date, amount, and currency I provided the required information, and XXXX claimed they couldnt reimburse me because they never received any form of payment from me.

If I can be of any assistance with this issue please let me know. This is around my fourth time doing this dispute and would like to receive my refund as I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 Account Number:XXXX Account Name : XXXX XXXX Account Number: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 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 explanation
Consumer complaint received 2023-11-17 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: TX

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 Account Number:XXXX  Account Name : XXXX XXXX Account Number: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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've had XXXX XXXX XXXX XXXX account # XXXX. This account has negatively impacted my credit report for nearly 7 years. I have attached several documentations that will point out. The 5 inaccuracies in relation to this account. 
1 ) I came to find that there are two different accounts being reported to TransUnion. 
2 ) There are two different ( One Positive - One Negative ) payment status being reported by XXXX and TransUnion. 
3 ) I noticed that there are two completely different account open dates. 
4 ) There are two different Balance amounts being reported by XXXX and TransUnion. 
5 ) I noticed that there are two separate account numbers being reported by XXXX and TransUnion. 

Please see the attached screenshots I've managed to attach to this complaint. Those documents will confirm my findings with account # XXXX. 

Respectfully, 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 2023-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTSTAR MORTGAGE CORPORATION
State: OK

Complaint narrative:
I have several issues with Weststar Mortgage XXXX ) they changed the way company that does their autopay, I was not informed of this, although they swear they contacted me. I have been on autopay for 2 years and started getting letters that my mortgage was late. They never contacted me to do their administrative work yet are very timely when they want money. I tried calling for XXXX weeks at different times on different days. No one answered or I was sent to voice mail that was " full ''. After XXXX calls, all documented in my call log, I finally reached someone today and ended up speaking to " XXXX ''. She said that she was the " customer service manager ''. She refused to give me her full name. By this time I am frustrated and she was absolutely unprofessional, condescending, yelled at me and XXXX help. 

XXXX ) They are escrowing me approx. XXXX $ per month over and above my XXXX taxes and insurance. I asked to stop with the impounding, so I can pay the taxes and insurance myself and she stated " you will have to refinance to do that ''. Obviously I wont do that as the interest rates are 3 times higher now. Besides, I know that is not true as I have other properties that have recently stopped escrowing at my request. XXXX is no longer needed on the property and she refused to address this. 

The time I have spent on this has financially affected me. I do intend to file a complaint with the Attorney General in the state where they are headquartered and also the state where I reside. When I mentioned that I was going to file a complaint with you and the Attorney General, the response was, " Please do ''. I think the employees have forgotten who pays them. 

I hope this complaint falls into the hands of someone that will make a difference in the way this very shady mortgage company does business. I was told by them today that their poor reviews were from customers who didnt get their way. I am appalled.

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 2023-11-17 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:
My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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.

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 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 explanation
Consumer complaint received 2023-11-17 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: SC

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. 
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 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 2023-11-17 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: TX

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 Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX 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 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 2023-11-17 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:
My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( XXXX ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At the end of XXXX, ( XX/XX/XXXX ) in good faith, a CHASE FREEDOM card was applied for. On XX/XX/XXXX, a denial letter was furnished electronically, which depicted the reasons for the denial as follows : Serious delinquency, public record, or collection item Balances on revolving accounts are too high compared to credit limits Proportion of loan balances to loan amounts is too high Too few accounts are currently paid as agreed Regardless of denial, I have a RIGHT to credit, and withholding access to my securities is securities fraud and a direct violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act, as I am the true originator of the credit and the creditor as defined in 15 USC 1602 ( g ). 

The reconsideration line was contacted ( XX/XX/XXXXXXXX  ), a series of questions ( income, taxable income, and questions about my credit report ) were asked and the same denial reason came back. 

The call was escalated to a mid-level manager ( Manager XXXX  ), who argued that the consumers are NOT the creditors. When asked which laws manager XXXX followed to determine that the consumers were not the creditors, she stated she followed Chase 's policies and by-laws. 

Chase, is bound and must follow laws of commerce, USC, SEC Exchange, etc., or there will be legal implications. 

Manager XXXX stated that it was okay and that she could do nothing else besides file a complaint. Another manager above her was requested but ( as of the complaint ), no contact was made. 

CHASE denied my application, and based on discriminatory and inaccurate information furnished on the " credit report '' obtained from XXXX and violated my consumer rights. A request was also made, if the credit is going to be denied to retract ALL information from the application to prevent fraudulent securitization, and that request was also denied. 

Based on the aforementioned, Chase has violated my consumer rights and is liable for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: PA

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  account # XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX 

XXXX XXXXXXXX XXXX  account # XXXX phone XXXX XXXX XXXX XXXX account # XXXX phone XXXX XXXX XXXX account # XXXX phone XXXX XXXX XXXX account # XXXX phone XXXX XXXX XXXX account # XXXX phone number XXXX XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ' account # XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX has XXXX XXXX XXXXghts. 

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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is reporting an XXXX account on my XXXX credit report that is paid in full... It is negatively affecting my credit profile resulting in denials of credit and unnecessary hard inquiries.

Company response to consumer: Closed with explanation