vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1681B - Account with Global Lending Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Global Lending Services for their inaccurate reporting of a paid-in-full charge-off on my credit report. I believe this action is in violation of the Fair Credit Reporting Act ( 15 USC 1681B ). The details of the account in question are as follows : Account Information : Account Name : GLOBAL LENDING SERVICES Account Number : XXXX Account Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/XXXX Status : Paid, Closed. {$2500.00} written off. 
Status Updated : XX/XX/XXXX Original Balance : {$32000.00} Balance : - Monthly Payment : - Terms : 73 Months Despite the account being marked as " Paid, Closed '' and a charge-off amount of {$2500.00} written off, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing. 

I would like to bring to your attention the Fair Credit Reporting Act, specifically Section 604, which states : 15 USC 1681B - Permissible Purposes of Consumer Reports ( a ) In general Subject to section 1681b of this title, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe -- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; and ( B ) has certified to the consumer reporting agency that -- ( i ) the consumer report will be used for a permissible purpose ; and ( ii ) the consumer report will not be used for any other purpose. 

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. I believe that such action is necessary to ensure the fair and accurate representation of my credit history. 

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: RI

Complaint narrative:
XXXX is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.

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 2024-02-18 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I froze my credit report on XX/XX/2023 and the XXXX through the XXXX of XXXX XXXX XXXX  did XXXX hard inquiries, Again I have tried to convey just how I am having serious issue with the credit agencies and banks, etc... 18 U.S.C-894, Obviously XXXX really didn't have it froze or just has a deal worked out with XXXX 's XXXX Trustee, US BANK NA and they must prove that I gave consent to unfreeze it temporarily, You see I did this as a test because I know the Banks and these private llc which are not government agencies are directly conspiring to deceive and my belief is a criminal syndication, part of the XXXX to which is why the world is so poor while less than 15 % has all the wealth.

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 2024-02-18 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: OK

Complaint narrative:
I requested a copy of my consumer credit report and was surprised to see there were accounts that didnt belong to me so I contacted my bank to have them to freeze all my accounts until further 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 non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2024-02-18 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: CA

Complaint narrative:
I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reported XXXX  by the same data furnisher XXXX XXXX and XXXX XXXX different accounts XXXX and Account XXXX XXXXXXXX for the amount of {$25000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-18 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: MOHELA
State: VT

Complaint narrative:
PSLF issue -- XX/XX/XXXX federal admin forebearance not counted toward PSLF -- called Mohela early XX/XX/XXXX to get this marked as " eligible '' for PSLF instead of " ineligible ''. Then XXXX payment/forebearance ***disappeared from my account entirely*** which is perplexing. 

Called them again XX/XX/XXXX to get this anomaly fixed, no results. 

Current qualifying payment count as of XX/XX/XXXX is XXXX XXXXXXXX payments ( which should be XXXX if they had actually counted the eligible federally mandated XX/XX/XXXX forebearance ). Now I am paying into XXXX despite having reached PSLF forgiveness threshold as of XXXX AND having recertified employment XXXX  since the XXXX payment. 

No updates to my account from this call. 

Advised that once payment count hits XXXX XXXX to call them back and resubmit the employment certification AGAIN. 

Advised that once form is received forgiveness may take up to XXXX business days to be processed. 

Problems cited above : 1. Failure to properly implement federally mandated PSLF eligible mandatory forebearance for XX/XX/XXXX. 
2. Failure to count payments correctly.

3. Direct financial harm. Requiring payments beyond PSLF threshold due to
# 1 and # 2.

4. Failure of timely/reasonable action. Advising us that
PSLF forgiveness may take up to XXXX BUSINESS DAYS ( this means XXXX WEEKS which is over XXXX MONTHS ) to process -- how does this not constitute financial harm. 
5. PROFITEERING. If they get paid for XXXX extra months, and then take even more time to refund our overpayments, they are definitely making crazy amounts of money in interest on our money for the XXXX months while they have it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: GA

Complaint narrative:
Ive submitted claim for identity theft with XXXX and Transunion many times the creditors arent removing account with supporting documents. 

XXXX is the only company who has done there job properly

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 2024-02-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I was awarded a {$500.00} AmericanExpress gift card from my work in XX/XX/year>. I have been able to use the card once and it has been subsequently declined every time I have attempted to use it since. 

It currently has {$330.00} remaining balance ( confirmed by AmEx today ) and was unable to use it at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A It 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
Consumer complaint received 2024-02-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A It 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 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
XX/XX/XXXX Chase SWA credit card refused twice. Called Chase. Told payment set up for XX/XX/XXXX could not be processed. Made a payment of {$10000.00} ; card refused again after payment, Chase then told me it would be several days before payment would post. Also said letter was sent to alert me to this problem.Told letter because I " probably '' had not set up email or text alerts even though I reported that Chase had sent me XXXX emails on XX/XX/XXXX letting me know that the payment would post on XX/XX/XXXX. No information about failed payment from XX/XX/XXXX. 
Called after XXXX  refusal and told I could go make a {$1000.00} cash at a local ( to me ) Chase office and that would clear the card for use. I did that and about XXXX hours later, card again refused. Again called Chase, spoke to a " supervisor '' and was told that the info given to me earlier about the {$10000.00} payment and the {$1000.00} cash payment was wrong on both counts. the transfer of {$10000.00} and the cash payment of {$1000.00} would both post by XX/XX/XXXX. 
I was also told that I must have set up wrong ( closed ) bank account for payment and I must not have signed up for alerts. I went to Chase website and the correct bank account ending in XXXX had been identified for payment and I was in fact signed up for both email and text alerts, neither of which occurred with this whole ridiculous scenario. I relayed this information to a second " Supervisor ''. XXXX, that Chase gave me wrong info about which bank account was to be used for payment, gave me false info about my not having signed up for alerts, gave me false info about how long for {$10000.00} payment to post, and gave me false information about paying {$1000.00} on XX/XX/XXXX would immediately clear my credit card for use. Asked for an apology and got nothing. 
Utter incompetence, utterly unreliable information, and shifting blame for their incompetence and inadequacy onto me.I wasted my time getting the cash and taking it to Chase, I endured embarrassment of credit card being refused multiple times and wasted probably more than an XXXX  of my time trying to fix the problems that Chase created for me. They claim that the phone calls are recorded so they should have a record of these events. I asked for an apology, for them to acknowledge their multiple examples of mis-information provided to me by their customer service reps and have heard nothing back from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: AR

Complaint narrative:
XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal.

the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate. 
Perplexing me, is that I did not give XXXX authorization to share my information with XXXX, XXXX and XXXX. 

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( AES/XXXX  ) I have asked that ( AES/XXXX  ) cease and desist reporting inaccurate information to XXXX, XXXX and XXXX unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXXl was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was XXXX an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: RI

Complaint narrative:
XXXX  report an inquiry XX/XX/year> by XXXX XXXX XXXX. I have no business with this bank.

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 2024-02-18 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Experian report an inquiry XX/XX/2024 by XXXX XXXX XXXX. I have no business with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I cosigned for a vehicle for my ex husband and he let the car get repossessed, ive tried to contact the company at XXXX point in time in 2023 XXXX and get this resolved and removed off my credit file, the agent i spoke to said if i made a payment they would send the deletion letter thru email within a few hours and i made the payment of {$250.00} and all they did was show a payment made they never removed it from my credit file. when i tried again to reach out to them about it they stated i was fully responsible since i did make a payment. Its not my vehicle it was my exhusbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
National Credit Adjuster

are stating an unknown account I never had is mine and is unable to provide proof. This maybe from fraud that happen back in XXXX this account doesnt belong to me. That didnt send any notification. They are harassing me with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: IL

Complaint narrative:
On XX/XX/XXXX I booked a hotel via the Amex XXXX XXXX ( XXXX XXXX XXXX ) Reservation dates ( XXXX ) I received a reminder email about my upcoming reservation on XX/XX/XXXX Upon arriving to my hotel for check-in on XX/XX/XXXX ( XXXX BCN time ) it was discovered that my reservation did not exist and the hotel was fully booked. Myself as well as the hotel were on call with AMEX XXXX  agents for about XXXX hours trying to resolve the issue. It was discovered that XXXX XXXX the hotel and AMEX had terminated their partnership. Therefore the hotel never received my booking and if they had, they no longer accepted AMEX as a valid payment. The Agent confirmed they would be processing a refund for the hotel booking that didn't exist. At this time I received another confirmation email for the same booking not a refund confirmation ( XX/XX/XXXX ) The AMEX XXXX agent tried to find me alternate accommodations as all of the hotels in the area were fully booked. They were able to find me accommodations at a significantly more expensive hotel that would not be available until XX/XX/XXXX until around XXXX. This is the only hotel that was available and would be able to accommodate XXXX people. I was told to retain my receipts for reimbursement as I would have to pay for this out of pocket. I was also told a case would be opened for this incident. 

We ended the call and went to the second hotel where my parents, siblings, & I had to sleep un the lobby until a room could become available. 

On XX/XX/XXXX I received the refund for the initial booking. 

I called to follow up when I got back and was told the case was closed as I had received a refund for the initial booking. I explained the circumstances and they reopened the case. I called to follow up once more on XX/XX/XXXX. Once again they added more information to the case and was told I would be contacted. I was never contacted. I received an email that night stating a dispute for my initial hotel charge ( XX/XX/XXXX ) had been opened. On XX/XX/XXXX, I received an email saying a credit to my account was already applied which was the refund for my initial booking. I called again and have not been able to get any resolution as they have noted it was a vendor issue. This is an AMEX agency issue not the vendor as the vendor does not work with AMEX.

Company response to consumer: Closed with monetary relief