vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CO

Complaint narrative:
I have been working with Lexis Nexis since XXXX, XXXX  to dispute a couple items on my file, as of today they are still not resolved however, yesterday I reached out to Lexis Nexis yesterday XX/XX/2023 and was on a recorded line and was told that now I have someone else 's social security number coming up on my account. I spoke with two of the customer service employees at two separate times yesterday on a recorded line in which they both confirmed that I have two socials security numbers on my account. I could see if the issue was in the last four of the SS number but it's the whole SS number. My number begins with ( XXXX ) and the wrong one on my account is ( XXXX ). This is hurting my credit severely. I can not apply for an apartment, am having to stay with family because of this. The person that has the ( XXXX ) SS number has a bankruptcy on their account which is hurting me as well. Also, there is another bankruptcy that is hurting my credit that lexis nexis continues to tell me that they verified it to be in my name but my attorney has sent a letter to lexis nexis explaining that this needs to be DELETED IMMEDIATELY off of my credit report because of the inaccurate information being reported is hurting me. There, I am demanding this be cleaned up ASAP. I do NOT have time to keep waiting 30 days at a time for lexis nexis to keep doing this to me. My entire credit report is a mess at this point. I have worked on this for almost four months. Enough is enough and this needs to be resolved NOW!!! If needed I do have the recorded conversation with lexis nexis explaining that there is in fact an additional SS number on my account that I can send to you. Also, XXXX has sent me a letter explaining that the SS number on my account is not the one they have on my file. As for thr one bankruptcy Lexis Nexis stated on a recorded line that the Co. courts reported a bankruptcy on my account but the court clerk explained that they do not report so again inaccurate information is being reported to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: PR

Complaint narrative:
in accordance with the FCRA convergent account account XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY RIGHTS 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 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXX Bank XX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada CoreLogic XX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXX Bank XXXX XXXX XXXX no autorizada XXXX XXXX Section 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 2023-11-14 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: PR

Complaint narrative:
in accordance with the FCRA XXXX account account XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY RIGHTS 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 Credit Inquiries Fraud XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXXXXXX XXXX XXXXXX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada XXXX XXXXXX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXXXXXX XXXX XXXX XXXX XXXX no autorizada 15USC 1681 Section 611DELATED

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 2023-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: MN

Complaint narrative:
I went to the urgent care for a possible hernia. The event occured at work but the billing did not process it through worker compensation. 

I went to XXXX permanente office in XXXX to resolve the issue and submitted the proper paperwork in person where I was assured the issue was resolved. 

A balance still appeared on my account when I inquired with billing team they assured me again the issue has been resolved. I did not receive any bills for this balance until I switched insurances and moved to a different state. When billing approached me about the balance I explained to them that the balance was in error and I was assured by their representative that the balance was in error. They did not take any action to resolve this issue. 

They passed this balance onto a debt collection agency without any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: GA

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 Account 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
XX/XX/2023 I submitted a Hardship modification package on XX/XX/XXXX, time stamped and documented that it was received on XX/XX/XXXX, which is 40 days prior to my scheduled foreclosure. I was told by Selene customer service that the modification package was not received in time for review. 

In accordance with the applicable regulations, if an account servicer receives a complete loss mitigation application XXXX ( XXXX ) days or more before a scheduled foreclosure sale, the account servicer is required required to initiate a loss mitigation review and suspend active foreclosure proceedings. 

Once again, I am being told XXXX different stories from XXXX. First, the package was received on XX/XX/XXXX, so Selene doesnt have enough time to review, clearly that is incorrect. So, when I challenged and proved the package was indeed received on time, the story changed. Now I am being told the package was incomplete, curious that that if you dont have time to review how do you know its incomplete? I asked what is incomplete and got no answer.

The bottom line this a trend with Selene, to find a way to not approve. Even when a modification was approved it was the worst-case scenario out of many that Selene could have approved. Selene would not even take in considerations $ XXXX in funds from the XXXX program and tripled my interest rate. 

I have the following available to me if only Selene will approve and end this fiasco XXXX XXXX XXXX on Selene approval XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX approval $ XXXX XXXX Legal XXXX XXXX XXXX XXXX Personal Certified funds available XX/XX/XXXX XXXX XXXX Total payoff $ XXXX 30 days after HAF approval XXXX loan will be fully reinstated! All funding above can be verified and approved ONLY WAITING ON SELENE! 

I have worked tons of ways to get my mortgage back on track, each time instead of embracing the solution XXXX has gone out of its way to deny or make it unmanageable. 

Again, the above is a way to fully re-instate with no need to modify. Will Selene accept? 

I need acknowledgement and agreement of my proposal that fully re-instates my loan. Its a win for both parties why would possibly deny! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: IL

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, Navient is reporting the same accounts twice and did not remove the reporting once sold to another servicer. Navient is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no Navient reporting accounts on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
An American Express Account " XXXX '' in has been wrongfully added to my credit report affecting my XXXX XXXX on both XXXX and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any american express credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with XXXX and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX  whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$4400.00}. This collection agency has updated this account in which it keeps the account current with no closed date. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX? XXXX XXXX $ over draft fee Many of these over draft fees were incurred form charges that range from XXXX $ XXXX $ I have spoken with Wells Fargo several times to ask them to look at my account to resolve the issue of them allowing them to overdraft my account. I was told that the charges that are made do not post from the merchant until the next day. I was confused as to why they could not stop payment and just decline rather than allowing charges to ram up on my account. The balance that is being shown in my account through the app is never what's really there. I would not make a purchase if the money isn't there. They were saying there online banking was running. assist if you can.

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 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
This company is stating that I allegedly owe them a debt that was removed from my credit report this year. This debt was sold and this company purchased from a XXXX  of debt. This alleged debt has affected my of obtaining credit and I shouldn't be punished by a company that violated my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
XXXX is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, XXXX is reporting the same accounts twice and did not remove the reporting once sold to another servicer. XXXX is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no XXXX reporting accounts on my consumer 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 explanation
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
XXXX is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, XXXX is reporting the same accounts twice and did not remove the reporting once sold to another servicer. XXXX is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no XXXX reporting accounts on my consumer 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 explanation
Consumer complaint received 2023-11-14 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: Lendmark Financial Services
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604, A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Cashed two checks at the atm and never got the money in my account. When I tried to call about it they told me there was nothing they could do and they couldnt give me the full ammount back

Company response to consumer: Closed with explanation