vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ATTENTION EXPERIAN! 
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. 
I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX Balance : {$32000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$15000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease

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 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I sent a debt validation letter to the United Collection Bureau about a debt I did not recognize. The United Collection Bureau sent me documents that had multiple discrepancies. The document shows the case was closed and sent to collections on XX/XX/XXXX. The United Collection Bureau shows a reminder letter sent to pay debt was sent XX/XX/XXXX. How was a reminder letter sent on XX/XX/XXXX? The case was closed and sent to the United Collection Bureau on XX/XX/XXXX. On XX/XX/XXXX, the United Collection Bureau show in the comment section I owe XXXX XXXX XXXX attorney hours. XXXX XXXX was not my attorney on XX/XX/XXXX. XXXX XXXX was my XXXX XXXXr on XX/XX/XXXX. XXXX became my XXXX XXXX after XXXX withdrew from my case which was XX/XX/XXXX and that is when XXXX took over as my XXXX XXXX. I no longer needed a XXXX XXXX because the Judgement of Conviction was prepared XX/XX/XXXX. The amount owed is inaccurate since XXXX XXXX XXXX was not my XXXX XXXX on XX/XX/XXXX. 

Also, the United Collection Bureau has violated the Social Security XXXX act by having my full social security number on the document sent as validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Unauthorized charges to my XXXX  XXXX  account. Account was closed on XXXX, I was charged an additional 30 days after I cancelled insurance. I paid the amount owed and account still shows in my report, no refund provided. Ive attached proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, has violated my rights. I looked at my TransUnion credit report on XX/XX/year> 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 generallf, 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 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: WA

Complaint narrative:
I have been calling and usps mailing this bank my information to delete the mortgage and or remove it from my credit reports since 1st letter mailed XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the 9th and FINAL letter XX/XX/XXXX. I am attaching the divorce decree that proves i have no legal right to this home and am requesting you remove the account immediately. 

This defaulted late payment account has now hurt my credit score and made me not qualify to buy a home here in my now home state of Washington.

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 2024-05-31 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: WA

Complaint narrative:
I have been calling and usps mailing this bank my information to delete the mortgage and or remove it from my credit reports since 1st letter mailed XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the XXXX and FINAL letter XX/XX/XXXX. I am attaching the divorce decree that proves i have no legal right to this home and am requesting you remove the account immediately. 

This defaulted late payment account has now hurt my credit score and made me not qualify to buy a home here in my now home state of Washington.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected accounts 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 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 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 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 2024-05-31 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: GA

Complaint narrative:
This is the filling of my complaint to XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC.
State: PA

Complaint narrative:
XXXX XXXX, took my info, failed to review or pass it over to underwriting, made me lose multiple opportunities due to not doing her job. She prides herself of her XXXX - XXXX hour turnaround time, it has been nearly XXXX weeks since I engaged her

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: U.S. BANCORP
State: FL

Complaint narrative:
Please help me clean up my repots due to issues at po box . I am never late

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 2024-05-31 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: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> I called the company ( Chime aka XXXX ) to let them know that I noticed unauthorized charges on my credit card. They said they would open a claim and investigate. On XX/XX/year> I logged in to check the status and realized my claim was denied the same day I opened it which was XX/XX/year>. I called them and they could not provide a reason. They said the team who handled the claim didn't provide a reason. They said I should have received an email. I never received any information about a decline. I found out via their mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
My name is XXXX XXXX. On XX/XX/year> I have sent my FTC Report and my license to TransUnion. I have unauthorized accounts reporting on my consumer report. I will file a police report. I will be filing a civil suit also against transunion for violating federal United States Code.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I spoke with Synchrony care credit and spoke with them and they told me that they sold my debt to XXXX XXXX I requested the information to be sent to me and have yet to receive the information. I received a request to pay this collection from XXXX XXXX BUT CARE CREDIT is also listing the same balance for the debt 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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, my phone, debit card, identification, and credit cards were stolen from my hotel room in XXXX XXXX, LA. In a span of of a few hours the induvial that stole my items were able to spend {$4300.00} in various stores, {$96.00} purchase at a bar, and withdraw {$600.00} from an ATM. I informed Chase of the situation as soon as I could. I filed a claim with them and was denied all except the purchase of {$96.00}. They state that there was no way anyone should be able to use my pin, which is why they were denied. 

I contacted Chase to inform them that my PIN was compromised, but they refuse to investigate further. My concerns here are they approved the claim of {$96.00}, accepting that my card was used in a fraudulent matter, but deny the other claims. I have been a customer for Chase for over 10 years. They have history of my purchases. I have never spent this amount of funds in a span of few hours. I have informed them to do better in their investigation, but they will not take responsibility nor give me their investigation. 

I offered to provide the incident report that has an assigned detective to, but they told me that this can be falsified and not acceptable proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, I am filing a complaint due to a bonus rewards issue with Truist Bank. 
I used the TRUISTXXXX ( {$400.00} bonus ) promo code when opening up my checking account. According to my bank statement, my checking account was officially opened on XX/XX/XXXX. I received ( XXXX ) direct deposit of {$500.00} or more on XX/XX/XXXX. I also made ( XXXX ) qualifying transactions within 90 days of opening my account. Today, I received an email from Truist saying I wouldn't qualify for a bonus reward of {$300.00} because I didn't have ( XXXX ) qualifying direct depots of {$500.00} or more. They applied the wrong promo code to my account, i.e., the TRUISTXXXX ( {$300.00} reward ) promo code, even though I applied using TRUISTXXXX ( {$400.00} reward ). TRUISTXXXX promo code is Valid for new Truist XXXX Checking accounts opened online from XX/XX/XXXX through XX/XX/XXXX. I have called Truist several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Truist customer service tells me that since I didn't have ( XXXX ) direct deposits, I did not qualify ; however, the requirements are not the same for the {$400.00} reward that I applied for. For the {$400.00} reward, XXXX direct deposit of {$500.00} or more is required within 90 days and I qualified based on that. They go back and forth about the TRUISTXXXX promo code and are not giving me information on whether I qualify and why they are trying to apply a promo code I did not authorize. If they wanted to change the promo code, they should have contacted me before the time when the bonus would be awarded. 


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 explanation
Consumer complaint received 2024-05-31 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: WA

Complaint narrative:
For the last week ( XXXX, XXXX  ) I have been unable to access my student loan account on MOHELA. I have been hoping to look at my loans and statements, and make my payment ( usually around {$110.00} ) which is coming up XX/XX/year>. However, there is no way to log in because of their transition to federal student aid platform. The only way to pay is via check apparently, but I am still unable to go on and look to verify information and payment. This also means if I want to pay more toward principle than interest, I can not actually see any of this information to be able to calculate. And I absolutely do not trust the post office or MOHELA to deliver and receive this check transparently and correctly. I am concerned this will affect my payment status and credit, especially since I have never missed a payment. 

Screenshot is attached- this is what it says when I attempt to log in. Not one of the buttons at the top is functional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian penalized my score because I vigorously attended to my credit to have my credit and credit score correct. My score was XXXX with some debt, but I complained to keep my credit report correct, and Experian dinged my credit score XXXX points, even when I got to XXXX debt, because Experian was angry you had to do your job. I want to exhaust with Consumer Financial Protection Bureau all remedies to redress my grievance with Experian. I will then take it to the next level until Experian fairly treats me, and truthfully and honestly reports my true credit. I will guess this is my last remedy for redress of my grievance with your company, Consumer Financial Protection Bureau. 

I do have recording of each conversation if you need to have a transcript. 

I called twice to Experian, and I was rudely hung up on further prohibiting me my due process right. This will set up my next remedy in Superior Court.

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 2024-05-31 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: NY

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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