vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I've raised disputes regarding a particular account with Equifax multiple times over the past XXXX XXXX months. However, after each purported " investigation, '' the outcome consistently asserts the accuracy of the reported information. It is imperative to emphasize that Equifax bears the responsibility of exclusively reporting precise and truthful information. Attached to this formal complaint are supporting documents tor verification. It is truly unreasonable for me, as a consumer, to invest my time in rectifying errors made by one company through the intervention of another.So, I do want to thank CFPB for their time and dedication to holding company 's like Equifax accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I received a telephone call from a company called Portfolio Recovery Services indicating that I owe over {$200.00} that they are trying to collect from me for a debt from XXXX. They insisted that I provide my address, and social security number for them to discuss this debt collection any further. This debt occurred in 2019 according to their records. They indicated that I previously lived at an address that was incorrect so that I could verify my current and past addresses. Approximately 1- 1/2 years ago someone informed me that my XXXX account was delinquent and I responded to an email address and provided personal information including my mothers maiden name. I realized afterwards that it was a phishing attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: Weber & Olcese, PLC
State: CO

Complaint narrative:
Once I connected on phone-lady said to ignore it because possibly the wrong address. 
second try to contact a man would not send the information by certified mail to check SS #, signature, address, and loan info on loan company. The man wouldn't identify himself only to state that I owed XXXX and when was I going to pay it. The man stated that I received the loan in XXXX, and spoke to them in XXXX promising to pay XXXX ; XXXX as a settlement. I am in the automobile business and was on unemployment in XXXX & XXXX. No company is going to loan that much money with no job! The man said the funds came from XXXX. I asked him on 3 occasions and he repeated XXXX witch to my best guess is XXXX XXXX XXXX XXXX??? The biggest problem I am currently trying to refinance my home. there is no need to tell you that the finance company is giving me all kinds of grief. The last piece of info is my wife and I did a complete credit report search 2 years ago and this is a total surprise and disgust that people are trying to get what is not theirs.THE Company involved is XXXX in XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Garrison Investment Group
State: FL

Complaint narrative:
I did not enter into a contract with XXXX XXXX XXXX of Maryland furthermore that is not my mane and signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.


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 2024-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-02-01 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: AZ

Complaint narrative:
I reached out to all 3 credit reporting companies and no one has sent any correspondences in regards to my request in the past XXXX  months after several attempts. I need this data removed off of my files immediately.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Account was closed for the investigation of fraud, which never occurred. The bank is holding my social security funds. I have repeatedly asked for the funds, they will not give until they finish the investigation which they acknowledge is now clear!

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I requested to be opted out for third party reporting agencies and credit bureaus. I want to be opted out and these companies to stop reporting information to the credit bureaus as I requested.

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 2024-02-01 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet is reporting that I have {$360000.00} to XXXX. I called Nelnet and they confirmed I have no loans with them. My loans being serviced by XXXX. My credit report now shows double my actual student loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Lender : NewRez LLC Loan number : XXXX In XX/XX/XXXX, I noticed that there was escrow account created which had negative balance, I tried to reach them through email but did not get any response, through call which they did not pickup after 1 hour waiting, I searched for all documents I found a document, Insurance - HAZARD - BIND LETTER - XXXX - LP LETTER - - XXXX - XX/XX/2023 - Prior. In this document they said since I don't have hazard insurance they placed hazard insurance on XXXX, and put the, three months premium of - {$1100.00} in escrow which means they are charging from XXXX. And for XXXX again - {$370.00}. Even after raising multiple request from their site I just get " Thanks for contacting us! We'll respond as soon as we can ''. But never a response. 
I waited for 2 hours on call and was able to explain them that I always had insurance, and forwarded the documents to ( as mentioned by chat agent ) XXXX, ( as mentioned by call agent ) XXXX and ( as mentioned in the above mentioned notice letter ) https : XXXX. Now I see in the insurance section my insurance document and escrow amount corrected by {$390.00}, still the negative escrow balance of - {$1100.00} The chat agent on XXXX refuses still states that I don't have hazard insurance which I see on their site, she don't see it. Still they are deducting {$2400.00} instead of XXXX. Trying to reach them again several times, I am not getting any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
a XXXX XXXX  account was opened on XX/XX/2021 in my name for XXXX without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a letter via USPS with may name and address. It was from Online Information Services, XXXX XXXX XXXX, XXXX, NC XXXX ( phones : XXXX & XXXX. It stated that they were a debt collection agency wanting to collect a debt of over {$100.00}, on behalf of a company called XXXX XXXX, XXXX. I contacted XXXX XXXX and they stated that they never had my name nor my address in their system ; they also said they did not do business with the above mentioned company or scam people. They suggested this was a scam and recommended that I ignore it. I however, do not wish to have some erroneous error/scam ever placed upon my unblemished XXXX  scores. This is the reason for this submittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc.
State: MI

Complaint narrative:
I requested to be opted out for third party reporting agencies and credit bureaus. I want to be opted out and these companies to stop reporting information to the credit bureaus as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: MI

Complaint narrative:
Re : Account # XXXX XXXX XXXX XXXX I am writing to bring to your attention an issue I am experiencing with XXXX XXXX regarding the reporting of a late payment on my credit report. Despite my efforts to rectify the situation with XXXX XXXX directly, the late payment remains on my record, adversely affecting my creditworthiness and, consequently, my ability to secure a home loan. 

On XX/XX/24, I contacted XXXX XXXX to address the late payment appearing on my credit report. I explained that the only late payment was a result of their system failure, which prevented my payment from posting on time. Despite acknowledging the technical issue on their end, they have refused to remove the late payment from my credit report. 

This situation is deeply concerning to me as it unfairly impacts my financial standing and ability to achieve important milestones such as homeownership. I have diligently maintained a positive payment history with XXXX XXXX prior to this incident, and I believe it is unjust for their system failure to penalize me in this manner. 

I kindly request your intervention in this matter to ensure that XXXX XXXX takes appropriate action to rectify their error and remove the late payment from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation necessary to assist with your investigation.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the 2 collections on my report are fraud. XXXX XXXX was open in the amount of XXXX on XX/XX/ and the other was open in the amount of XXXX on the date XXXX  without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Applied on XX/XX/XXXX for a capital one card. They pulled my credit ( all 3 bureaus ), i made one charge, paid it and today on XX/XX/XXXX, theyve closed my account after charging and Ive paid my annual fee of {$390.00}. 

They wouldnt give me any reasoning other than terms and conditions. 

This is unacceptable. So now my credit went down because of 3 hard pulls, Im going to show an account opened and impacting my ability to get other credit cards with other issuers, and they have my money without receiving ANY of the perks. 

Had they just declined the card, thats fine. They can not want to do business with me : but to open an account and then less than 2 weeks close it without any reasoning is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
They provide statement show loan payoff according to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Case No. XXXX ( XXXX. XXXX XXXX XXXX XXXX ) But not an itemized statement of the refund amount. There conflicting payments on the website and on the statement Refund amount XXXX ( not received ) XXXX ( Not received ) Check by the treasury was sent for {$16000.00} They told that where in the process entering the refund amounts manually. 
Could not get a date as to when the amount be updated And all refunds issued. 
I also received a letter of fraud alert on account while could not access for several months. 
As after conflicting information, They told me, it was dismissed but stayed on my credit for several months until I request from credit to debute. 
I had to request that credit agency debut and remove from my credit after over 180 dismissed of loans. 
I Asked should I be concerned You have no itemized of the amount to refund other then payment toward loans And total loans cleared It should bec noted as to the amount of the refund Overpayment was agree as payment amount paid dismissed in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Case No. XXXX ( XXXX. XXXX XXXX XXXX XXXX ) Edfinancials is not my server where the loans were paid to it was paid to XXXX XXXX XXXX, was my server at time Edfinancial said you should get the money from dept of education or treasury department.we have nothing do with a refund. Dept of education said server responsibility Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: IL

Complaint narrative:
I applied for US Banks secured credit card which I understand requires a credit inquiry. I applied on XX/XX/2024. 

Application went into review and the next business day ( XX/XX/2024 ) US Bank ran another credit inquiry resulting in XXXX credit pulls for one application. 

Both inquiries were only processed on my XXXX credit file. This 2nd inquiry should be removed as I only have authorization once.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I deposited two checks into bank account number XXXX Routing # XXXX date was XX/XX/24 One check in the amount of XXXX ck # XXXX And XXXX ck # XXXX and chase bank froze the funds due suspicious fraud because they werent able to verify the checks with the check maker. I tried giving chase the phone number to verify the checks which they had already on file and were unable to get through but when I call the number while one the phone with them The call goes through. They refuse to release the funds or return funds to check maker. The check maker is willing to reissue check but chase wont release funds back to them. I am now out of XXXX dollars which is frustrating and chase wont resolve my issue after multiple calls and in person attempts. I dont know where else to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
The constant harassment, phone calls, mailing letters and threatening of this company collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " CREDIT CONTROL SERVICE '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation