vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Negative Mortgage Report and Disaster Relief Program Miscommunication Consumer Financial Protection Bureau To whom it may concern, I am writing to formally file a complaint regarding the negative reporting on my mortgage payments, which I believe is a result of miscommunication about a disaster relief program I was informed of by US Bank. I reside in a federally declared disaster zone and was assured by a representative that I qualified for a mortgage relief program designed to help customers like myself. 

Despite following the guidance provided and believing that my mortgage payments were either deferred or paused under this program, I was recently notified that negative reports regarding missed payments have been filed against my credit. This has caused significant distress and affected my financial standing. 

To summarize the events : - Around the beginning of XX/XX/XXXX, shortly after we suffered through Hurricane XXXX, I was informed by US Bank that I was eligible for the disaster relief program. 
- I followed the instructions provided to enroll in this program. 
- However, around XX/XX/XXXX, I was notified that my mortgage account was reported delinquent, which contradicts the understanding I had of the programs terms. 

I am requesting that US Bank promptly : 1. Remove any negative credit reporting that resulted from this misunderstanding.

2. Provide confirmation that my account is in good standing and that I remain enrolled in any applicable disaster relief programs.

3. Review the communication surrounding the program to ensure no further customers experience this issue.

I have relevant documents, including communication from US Bank or proof of disaster zone status that I can provide if necessary. I would appreciate a prompt resolution to this matter, as it is crucial for my credit and financial stability.

Please respond to this complaint in writing within reasonable time frame, e.g., 10 business days to confirm the actions taken. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 2024-10-14 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:
Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Negative Mortgage Report and Disaster Relief Program Miscommunication Consumer Financial Protection Bureau To whom it may concern, I am writing to formally file a complaint regarding the negative reporting on my mortgage payments, which I believe is a result of miscommunication about a disaster relief program I was informed of by XXXX XXXX. I reside in a federally declared disaster zone and was assured by a representative that I qualified for a mortgage relief program designed to help customers like myself. 

Despite following the guidance provided and believing that my mortgage payments were either deferred or paused under this program, I was recently notified that negative reports regarding missed payments have been filed against my credit. This has caused significant distress and affected my financial standing. 

To summarize the events : - Around the beginning of XX/XX/XXXX, shortly after we suffered through Hurricane XXXX, I was informed by XXXX XXXX  that I was eligible for the disaster relief program. 
- I followed the instructions provided to enroll in this program. 
- However, around XX/XX/XXXX, I was notified that my mortgage account was reported delinquent, which contradicts the understanding I had of the programs terms. 

I am requesting that XXXX XXXX  promptly : 1. Remove any negative credit reporting that resulted from this misunderstanding.

2. Provide confirmation that my account is in good standing and that I remain enrolled in any applicable disaster relief programs.

3. Review the communication surrounding the program to ensure no further customers experience this issue. 

I have relevant documents, including communication from XXXX XXXX  or proof of disaster zone status that I can provide if necessary. I would appreciate a prompt resolution to this matter, as it is crucial for my credit and financial stability. 

Please respond to this complaint in writing within reasonable time frame, e.g., 10 business days to confirm the actions taken. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 2024-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Amerisave mortgage approved me for an unemployment deferment on XXXX XXXX through a verbal agreement until XXXX XXXX I received a letter from a different company ( XXXX ) and have not received any letters from amerisave but learned my sale date is XXXX i talked to amerisave and said the employee did not update in the sustem. It will not help in stopping the sale of the house even though I'm currently approved and in unemployment deferment until the XXXX XXXX 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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I ordered the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on Sun, XX/XX/year>, it has already been XXXX  months and i still have not received the product. 
Every time i contact them they told me my order is being fulfilled but due to large volume they are unable to give me estimated time of delivery. They created a shipping label but the item was never shipped. My last attempt to contact them to ask for a refund was met with no response I contacted my bank citi to initiate a dispute they told me to mail in documentation, which I did. I provided my receipt, purchase invoice, a shipping label created that was never shipped, and every interaction I had with XXXX customer service. They told me they can not look into the transaction because it has been too long and I need to reach out to XXXX directly XXXX name : XXXX Email : 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 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX  in 2017, loan was originally with Gateway One Lending and Financial.

Gateway One was bought out by Santander, so my loan was moved to Santander. 

I paid off the loan, and now when trying to remove Gateway One as a lienholder on the car title, I'm being denied because Illinois DMV wants me to prove the 'link between the two financial institutions. ' I have called Santander Consumer USA on several occasions, and am always eventually hung up on. It's the only means of contacting them. 

Without this document that only Santander can provide, I can not get my car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously sued your company for negligence and non compliance, which we came to a settlement agreement, just a few days ago.These accounts wasn't included in the lawsuit so i am now disputing these inaccurate accounts. i assure you its in your company best interest to take my disputes seriously. This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated or deleted. So please investigate these accounts due to the inaccuracies that are being reported.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-14 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
i have recently pulled my credit report and notice that there is a collection listing from your agency. i have never been notified of this collection action or that owed the debt. this letter is to inform you that i have the rights to request a validation of this debt and your ability to collect this money from me. i ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/year> I hope this letter finds you well I am asking for the cfpbs help in a system me or protecting my rights i have been violated by Equifax and XXXX I wrote to the XXXX XXXXXXXX XXXX bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to Equifax, XXXX or other credit entities. I also sent 3 dispute letters to equifax and XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankruptcy that is not mine also. I sent notarized affidavits also. I also sent Equifax a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite Equifax and XXXX failure to validate or deny the report to you directly as the natural person creditor. Equifax and XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why theyre there. I check my credit report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the errors remained. Now, Im really concerned and asking that the documents Ive sent be reviewed thoroughly, so I never have to deal with this stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
There was an account on my credit report in XX/XX/year> that I had removed with the credit bureau because it was not mine and then it showed back up on my credit report in the beginning of XX/XX/year> as a collections I submitted a previous complaint with CFPB and it was closed out with no resolution. I requested information from midland credit with a cease and desist letter and it was not provided. They sent Copies of statements from an original creditor to CFPB and The letter specifically states what I am requesting, if XXXX can not provide what I requested, this collection account needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETE ASAP XXXX XXXX XXXX -PORTFOLIO XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX I looked at my Equifax credit report on XX/XX/scrub>XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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