vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION, # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION, # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION, XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Hi, I'm having an issue with Mohela who service my federal loans. I was originally on REPAYE plan which was switched to SAVE automatically. My account was placed on administrative forbearance for month of XXXX XXXX. Now when looking at my account Mohela changed me from SAVE to Level which is standard repayment plan on 3 of my loans. When they qualify for SAVE. This is over {$1800.00} a month. I called Mohela who could not explain why this happened or why no one communicated this to me. They had me do recertification on phone and my original payment under SAVE was {$660.00} and is now {$700.00} and was told this is my lowest option. I have since learned that they did not have to make me recertify as that is not mandatory until XXXX  XXXX. This is all so suspicious and I feel I am not being treated honestly by any means. This all happened after I signed up for auto pay as well. They now placed my account into forbearance until XX/XX/XXXX but that interest will still accrue and that it does not count towards pslf. This isn't fair at this is not me error or my mistake. I feel disgusted by Mohela by and they need to be held accountable. They are difficult to get in touch with and I can't get any consistent answers regarding my account or accountability for account errors on their end. I also pay XXXX XXXX monthly for my private loans through XXXX. I am a XXXX XXXX that works XXXX XXXX XXXX XXXX XXXX XXXX but my prior employment in this field does not count towards PSLF. I feel like I'm being punished for getting an education to work in a XXXX XXXX XXXX 

Thank you for your help in any way on this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I use chase credit card. They have an option to setup interest payment plans and sometimes they allow XXXX interest plans. 

These are deceptive because one plan allows for one item to be delayed with no interest penalty but when trying to do this again that a second item would face interest charges. Now that both are pending items that I would have preferred to cancel these plans but I could not do so on mobile or by phone call such that its deceptive in nature and they only way to end this would be to just simply pay off the statement. I disagree because even if I pay off the statement that it still shows as if I agreed to credit established plan thus I wasnt able to cancel it while pending. 

Deceptive marketing and interest free versus interest single item payment plans should be separate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting these 4 accounts on my report inaccurately. Accounts can not be reported without a status nor without a payment history. I have also provided a copy of my credit report where they are also reporting this misleading information.

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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
On XX/XX/2023, XXXX XXXX notified me that my mortgage was being transferred to Mr. Cooper as of XX/XX/2023. 

On XX/XX/2023, Mr. Cooper experienced a cyber security attack / data breach. Leaving customers without access to accounts and making payments. Also, with no notification via e-mail or mail to customers letting them know of this breach. 

To date, I can not access my account, and Mr. Cooper has not set up appropriate avenues or communication for/ to their customers. 

They state that there will be no penalites, fees or bad credit reports but this is all in a blurb on their web-site. There is no availability to speak with a live person who has any information. 

Until XX/XX/2023, I had never heard of Mr. Cooper. Now my mortgage is compromised, my data is compromised and there is noone available to discuss this with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: The Bureaus, Inc.
State: IL

Complaint narrative:
Today, I am writing this complaint to THE BUREAUS INC regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX I asked Flagship to remove the credit account from the my report after a long 2 months battle with Flagship, in one or more of Flagship writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with Flagship also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask Flagship to remove this many times but still this is showing on my 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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX PayPal put a hold on our account. There was no prior notification, I just logged in the hold was there. There was around XXXX  in the account that I needed to transfer over into our business account. These funds were partially to be used for payroll on XX/XX/XXXX. I ended up borrowing to meet my payroll as these funds were not made available until after that date. I complained to the XXXX and to PayPal and explained that they were failing in their fiduciary responsibilities as a payment processor for our business. We have used PayPal for our business since XXXX. We have had XXXX chargebacks in all of that time. Both times were to XXXX a XXXX management company. They pay their invoice with a virtual card and we refund them XXXX XXXX of the invoice ( before sales tax ). A different employee processed the payment and forgot to process the refund. I finally got access to those funds from XXXX and we have been working on finding a different processor. We actually have XXXX, but were not going to make the switch until a later date. 

Today, XX/XX/XXXX I logged on and my account is again flagged and again I am being asked to provide information on my business. I just did this XXXX months ago and now my money is held up by them. If you go to their XXXX page, you'll see numerous complaints about having the same problems. It seems as if PayPal is randomly holding business money. I called and spoke to a manager who said they couldn't do anything and the only way to receive my funds was to send the requested information. They are requesting invoices for certain charges, which is an simple matter. However, they also want receipts for each item on the invoice ( we are an automotive repair shop ). On one invoice I couldn't send all receipts for items billed because they only allow XXXX uploads and I had more than that.

I again have payroll next XXXX and can not access my funds. 
I have had scam invoices sent to my business and PayPal says they are aware and can't remove it, but they can keep me from accessing my own funds for days, without explanation. The manager I spoke with said they understood my frustration since its only been XXXX months, but they could not override and allow me access I had to provide the requested information. 

It is frustrating to say the least that this company says they support small businesses, yet make it more difficult to access funds our business has already earned! These funds were paid to MY shop for work we have done. PayPal is simply the processor who gets a percentage of those payments for processing the cards for us, yet they keep doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6, 2 which states I have the right to privacy ( 15 USC 1681 ( section 6, 4a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a late payment on a credit card account under an open end consumer credit as late for any purpose.

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 2023-11-08 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: PA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with the accuracy and consistency of information reported by Experian on my credit report. The problematic account in question is identified as XXXX XXXX  '' with the account number XXXX. 
I have previously disputed this account twice with Experian, once on XX/XX/2023, and again on XX/XX/2023. Each time, the dispute resulted in a verification of the account 's accuracy, despite my assertion that the reported data is inconsistent and inaccurate. 
The key issue I wish to bring to your attention is the account 's persistent inconsistencies in reporting, particularly in terms of its payment history. It is my belief that the data being reported for this account does not adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 
I have included with this complaint two copies of each dispute result for your reference, with dates clearly indicating that Experian has verified the inaccuracies and inconsistencies in reporting. Additionally, I have circled the inaccuracies on a copy of my credit report to illustrate the discrepancies in reporting.

As a conscientious consumer, I understand the importance of accurate and consistent credit reporting.

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 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: OR

Complaint narrative:
I called the number on my XXXX credit report and they talked to me briefly and then hung up on me after asking how I got that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Without a written notice nor any kind of warning, my credit account with Paypal was closed. The company claimed I had made XXXX returned payments : {$150.00} on XX/XX/XXXX and {$30.00} on XX/XX/XXXX. Autopay had ended on XX/XX/XXXX. The company claimed its their policy to automatically close an account after XXXX returned payments. I asked Paypal why did they not send a warning? No response. I asked why was my account not closed the week I reached the returned payment threshold? No response. On XX/XX/XXXX, I had made a payment of {$500.00} and my account did not display any notice of an impeding account closure. 

I do not recall reading anything about this policy in the companys credit agreement. This is a company internal policy used as an external policy. I dont think this is legal without a consumer notice.

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 2023-11-08 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: U.S. BANCORP
State: IL

Complaint narrative:
Today, I am writing this complaint to U S BANK regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

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