vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MD

Complaint narrative:
I applied for an auto loan. XXXX XXXX, XXXX - XXXX XXXX was used through some of the banks listed on several of my CFPB complaints on file already. That credit score was half ( and much lower ) than what was reported by the other three credit bureaus. 

I just opened all of my notices from XXXX XXXX. There is no report attached. Lexis Nexis claims they could not verify my identity. So, they are unable to produce a report. 

How did the banks obtain that information if Lexis Nexis was unable to verify my identity? 

All legal documents were produced heavily with secondary and tertiary style identification. 

How am I supposed to dispute an alleged low credit score through XXXX XXXX, XXXX - XXXX XXXX if they can't pull the report. And how were they able to provide a credit score to the bank, but I can not get a copy of my own report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to express my dissatisfaction regarding the handling of my previous complaint against NCA ( National Credit Adjusters ), which I filed with your agency. I believe my complaint has not been thoroughly investigated, and I kindly request that you reopen the case and review all the documentation I have provided. 

On XX/XX/2023, I submitted a complaint to the Consumer Financial Protection Bureau regarding NCA 's practices. Specifically, I raised concerns about the documentation provided by NCA, which I found to be unsubstantiated and not in line with my requests. Despite my efforts to address this matter, it appears that my complaint has not been taken seriously by your agency. 

In response to the lack of progress from the CFPB, I have taken additional steps to address this issue. I have filed a complaint with the Illinois Office of the Attorney General, seeking their assistance in investigating the actions of this debt buyer. I believe their involvement will help shed light on the matter and ensure a fair resolution. 

I kindly request that you reconsider my complaint and conduct a thorough review of the documentation I have previously provided. It is my sincere hope that by doing so, you will gain a more accurate understanding of the situation at hand and take appropriate action. 

I have attached copies of all relevant documentation to this letter for your reference. Please review these materials carefully as they provide evidence to support my claims. I trust that by examining the evidence, you will recognize the significance of this matter and act accordingly. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
I want to report some fraudulent inquiries that are on my TransUnion credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : XXXX XXXX XXXX XXXXXX/XX/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 2023-09-08 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: NY

Complaint narrative:
I checked my account and noticed unauthorized transactions that totaled up to {$4500.00}. I instantly called chase bank and filed a claim. The specialist stated that I needed to show proof so then I spoke to another specialist and they noticed that there were atm withdrawals coming from a different states only minutes apart so he noted the strange activity on the claim but it was still denied. 

My debit card must have been compromised because I used it on XX/XX/XXXX @ XXXX XXXX in XXXX, NY XXXX XXXX XXXX XXXX and an unauthorized withdrawal was made on XX/XX/XXXX @ XXXX XXXX, location XXXX XXXX XXXX XXXX XXXX , NJ XXXX. 

I dont understand why my claim is being denied because it is impossible for me to get from New York to New Jersey in under 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BMO purchase Bank of the West but is not supporting account holders in getting this document. It is not available on client portal site. Nobody on phone seems to know how to get it to me. I've spent hours on the phone for this very simple request.

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 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-09-08 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: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: TX

Complaint narrative:
An identity theft report was filed by me on XX/XX/2023 stating that this account was opened without my consent, and that the balance on the account does not belong to me. Sallie Mae responded with contradictory information riddled with discrepancies and used that inaccurate information to claim that the loan was opened by me. I responded with a letter pointing out their numerous inconsistencies in their validations, and even sent a copy of a letter from the University where they claimed the loan was used that confirmed I was not in attendance during the term the loan account was opened. They responded with a letter stating that an investigation would be reopened, however they have not made any attempts to remove the account from reporting to the bureaus, which is in direct violation of the provisions set fort within the FCRA specifically 15 USC 1681 s-2 ( a ) ( 6 ) ( b ). Furthermore, Sallie Mae is in direct violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A ), since evidence of errors have been brought to Sallie Mae 's attention, and Sallie Mae has sent a response stating that they are investigating these errors, that is evidence of knowledge to these errors. This provision prevents the reporting of known errors. Additionally 15 USC 1681 s-2 ( a ) ( 1 ) ( B ) prohibits reporting after notice and confirmation of errors This is yet another provision in which Sallie Mae is again in violation of. If these errors are not remediated immediately, I may have to take it upon myself to pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX charged off as bad debt on XXXX  yet they continue to report as missed payments monthly on my credit report. Also the amount last owed was {$4900.00} as of 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 2023-09-08 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: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a letter from Aidvantage saying I needed to start repayment on my {$9200.00} student loans on XXXX XXXX. I paid off my three loans for a total of {$9200.00} on XX/XX/XXXX. Aidvantage has no history of my loan payment as the loans were paid off when my loans were serviced by XXXX. Aidvantage is now saying I need to produce bank statements proving the payments had been made. I can not access XXXX  to show proof of payment as that website no longer exists. Studentaid.gov shows that one payment of {$9200.00} has been made but I still owe another {$9200.00}. I never took out {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-09-08 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: EdFinancial Services
State: MO

Complaint narrative:
It seems in XX/XX/2023, EdFinanical sent either a letter or an email to me indicating that they were changing their systems and as such had created a new account number for me. I don't remember receiving said letter/email but I admit I might have missed it. I can't tell you if it was a letter or email but I have been told by the company that I have gotten both but they can't provide a copy of it. Because of this missed communication, my payments from XXXX, XXXX, XXXX, XXXX and XXXX have not been applied to my account. I discovered this on XX/XX/XXXX and called the company and was told, if I could provide proof of the payments they could put in an escalation to process my payments faster. I faxed over this information on XX/XX/XXXX and called again on XX/XX/XXXX to confirm receipt. I have called back several times asking for a supervisor because all the call reps can tell me is that payments will be applied within 120 day ( sometimes 120 business days ). I got a call back from the supervisor and she was also going to escalate it. I didn't hear back from her again. I then sent a letter to the CEO and put in a complaint with the XXXX  so then the call reps wouldn't talk to me to except to say that a response would be sent. The response was be patient we have the records for your XXXX thru XXXX payments and they would apply them as quickly as possible. I responded to that complaint with they were missing my XXXX payment and they haven't replied. I called last week and requested a supervisor call me back. I never received a callback. I have also requested a copy of my full payment transcript as they changed systems and I no longer have access to that information. I have never received that information either. It is now past the 120 days for the XXXX payment and it still hasn't been applied. I don't understand why it is taking so long to apply electronic payments when I have provided them with the dates, amounts and tracer numbers. I have also been told that they never sent out any additional letter/emails when they received payments with bad account numbers. They now have {$850.00} of my payments that they have yet to apply and their only response is be patient. I am tired of being patient and talked down to because they didn't bother to create a system that when payments were received with an old account number on it that they could easily find the new account number. I am also tired of being patient when I have provided them the information that they requested, are ignoring it. All I want is my payments to be applied in a timely manner and at this point XXXX from the date each payment was made is too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Today XX/XX/XXXX the financial business check my credit score without my permission and XXXX XXXX XXXX XXXX  do the same two times without my permission and this was affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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.
State: NJ

Complaint narrative:
I reached out to Tranunion via dispute several times to investigate this late payment on this account. When a dispute was open i requested that they verifiy this information to be correct and send method of verification. They failed to do so and still are reporting as late when the other credit bureas are reporting 100 % on time payment. I sent them this proof as well. In addition under 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 any purpose I am demanding that they update this account to never late and 100 % payment history as this is damaging to 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 2023-09-08 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: Mercedes Benz Financial Services
State: IL

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with ( XXXX XXXX ) ( MB FIN SVCS ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: BUSEY BANK
State: IL

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with ( BANK BUSEY ) ( XXXX XXXX XXXX  ) ( XXXX XXXX  ) ( XXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation