vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my profound concern regarding the assessment of my credit profile and the unprofessional behavior I have encountered from your representatives. Despite my diligent financial management and a strong credit history, it appears that my credit profile does not accurately reflect my financial responsibility. 

Here are the specifics of my credit situation : 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 Throughout my credit history, I have NEVER had any derogatory marks, late payments, or collection accounts. Every account has been managed positively. 

Furthermore, I have made multiple attempts to address my concerns with your representatives. However, I have been met with dismissive behavior, including being hung up on multiple times. I can not help but feel that this treatment is due to XXXXXXXX XXXX  as I am XXXX. Such behavior is not only unprofessional but also discriminatory. 

In light of the above, I would like to draw your attention to the Equal Credit Opportunity Act ( ECOA ), a United States law that prohibits creditors from discriminating against any applicant based on race, color, religion, national origin, sex, marital status, age, or use of public assistance. The ECOA mandates that all applicants should be treated fairly and without bias. Given my credit history, financial standing, and the treatment I have received, I am deeply concerned about potential violations of the ECOA. 

Based on the principles of the ECOA, I believe I should have fair access to credit and should not be unjustly denied or provided with unfavorable terms. I request a thorough review of my credit profile in light of the ECOA 's provisions, an investigation into the behavior of your representatives, and an explanation for any discrepancies. I have always prioritized my financial responsibilities and expect my credit profile and interactions with your representatives to reflect the same. 

I urge you to rectify any potential violations of the ECOA, address the unprofessional behavior of your representatives, and ensure that my credit profile is a true representation of my financial history and responsibility.

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 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I opened a business account. Account # XXXX in the name of XXXX XXXX XXXX XXXX at JP Morgan Chase Bank On XX/XX/2023 I deposits a official cashier check from XXXX XXXX  in the amount of XXXX they put a deposit hold on there until XX/XX/2023. On that day I went to make a withdrawal and and my card declined so I stepped into the branch and they told me my account was restricted and that they was in the process is closing my account and the reason they gave me didnt make any sense and its been almost a whole 2 months and I havent gotten this situation resolved because every time I visit the branch they give me a different reason why my account is closed and my funds are restricted I provided all necessary documentation and receipts and still they refuse to either reopen my account or send me my funds back to me. I spent countless hours on the phone talking to representatives and going back from the issuing back to chase bank to try to resolve this matter and still havent gotten anywhere I have all receipts and transactions receipts from XXXX XXXX  issuing me a cashier check in the amount of XXXX to me opening business account at Chase and to me making the deposits at the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: MI

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

Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
On XX/XX/ I sent Loan Depot the following Letter : ''I would like to pay for my own Property Taxes. This way, I will not have surprises from LoanDepot regarding a shortage in my Escrow. I have been dutifully paying them on time. Thus far, from my calculations, I am in the positive of ( {$390.00} ) in my Escrow account, but your analysis are saying that I have a negative Escrow of XXXX. I have paid into Escrow for the past 10 months. I have been paying XXXX in Escrow monthly. The analysis sheet sent to me on XXXX XXXX XXXX indicates that I have been only paying {$470.00}. They are claiming a shortage of {$30.00}. Which, I have been paying. In conclusion, because I can no longer trust the analyses that are being sent to me ( in order to bill me a shortage of {$1800.00} ), which is ludicrous, I will pay for my own taxes. Therefore, I can not be sent unscrupulous billing from Loan Depot. 

Also, you have an erroneous amount for my XXXX taxes. What is due is {$1400.00}, which I would like to pay myself. Thank you in advance. '' They also are trying to charge me for RBP, which stands for RISK BASE PRICING, which I googled and found out that this is illegal. I am already paying a mortgage insurance in my Escrow and this should cover any problems in my Escrow. I have never been late on my mortgage or Escrow so what is their problem? Even though, my taxes and insurance have increased there is enough money collected out of my Escrow to cover the costs. After looking at how much I paid in Escrow and how much all of my Escrow came to I would be short approx. {$31.00}. I paid {$6000.00} in Escrow and the total that needs to be paid out at the end of the year is {$6000.00}. Why do they need {$1800.00} claiming a shortage of this amount. 

Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Sage LLC
State: WA

Complaint narrative:
I am writing to file a complaint against Credit Sage LLC. On XXXX  XX/XX/2023, Credit Sage LLC made an unauthorized charge to my debit card for the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without my permission, credit sage accessed my social security number and my credit report without my permission, they accessed one of my personal identity theft protection and credit monitoring service accounts and changed my password, they misled me to thinking they were a different company ( I was trying to reach XXXX XXXX XXXX ). I have attached a copy of my bank statement and my correspondence with Credit Sage LLC to this complaint. Credit Sage 's unauthorized charge to my debit card violated several of my rights, the Electronic Funds Transfer Act ( EFTA ), the Fair Credit Billing Act ( FCBA ), the Consumer Fraud and Deceptive Practices Act ( CFDPA ), and Washington state laws RCW 9A.56.020 ( 1 ) ( b ), RCW 9A.56.030 ( 1 ), RCW 9A.56.040 ( 1 ), and RCW 19.29A.030 ( 1 ), The Truth in Lending Act ( TILA ), The Gramm-Leach-Bliley Act ( GLBA ), The Computer Fraud and Abuse Act ( CFAA ), The CFAA prohibits unauthorized access to computers and computer systems . Credit Sage LLC used my SSN to access my credit report and other personal information without my permission, they are violating the CFAA. Credit sage LLC is actively engaging in the act of violating the Federal Trade Commission Act ( FTC Act ) : The FTC Act prohibits unfair or deceptive trade practices and the XXXX XXXX Consumer Protection Act : The XXXX XXXX Consumer Protection Act prohibits unfair or deceptive trade practices in XXXX XXXX. The full refund amount is not enough for the laws that they have broken and the stress they have caused unto me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
I, XXXX XXXX, sent Experian and XXXX a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but Experian and XXXX have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that Experian and XXXX follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : 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 2023-10-25 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: OK

Complaint narrative:
See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.

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 2023-10-25 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: OK

Complaint narrative:
See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted PSLF  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.

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 2023-10-25 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: GA

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint last month. They removed the accounts, however the collection agency then changed names and re reported them.

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 2023-10-25 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:
I submitted a complaint last month. They removed the accounts, however the collection agency then changed names and re reported them.

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 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
In XX/XX/2023, EdFinancial listed my IBR loan as forgiven on their website. ( I also have much public service, but no technical qualification due to dates. ) In detrimental reliance on that information, I made several significant changes in my life. My current payments are XXXX XXXX and as I understand it, I need to wait about 5 more years for forgiveness under IBR, but I'm upset by being misled about status, and consequences of their reneging. Is there anything to be done? Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: PA

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. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 information is accurate.

Company response to consumer: Closed with explanation