vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: IL

Complaint narrative:
I opened the account in late XXXX and signed up for online banking, including mobile banking. 

I signed the agreements and all the required documents, yet the website kept logging me out immediately and says " looks like you aren't enrolled in any Laurel Road  products just yet '', even though I still receive emails every month that my account statement is ready. 

I'ver called and emailed the company on two separate occasions in XXXX, the first time I got an email saying the issue has been fixed and I should be able to login now. Following the email, I immediately tried to log into the account, but to my dismay, the issue was still there. I contacted them again and this time I even sent a screenshot to show them the error, but has yet to hear back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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:
This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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:
This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NV

Complaint narrative:
The company " AmeriCollect '' calls to collect a debt we don't owe. We're on the Do-Not-Call-Registry ; they shouldn't be calling us. They call from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: MA

Complaint narrative:
PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT BXXXX 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 non-monetary relief
Consumer complaint received 2023-10-23 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:
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 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 has violated my rights. Or a 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 2023-10-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-10-23 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: GA

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 : XXXX Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: GA

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 : XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-10-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an auto loan with fifth third bank. I've consistently paid my bill, and set up autopay so that I didn't have to remember to manually pay the bill each month. 

For my bill that was due on XX/XX/2023, the autopay did not process. This led to be missing a payment, hurting my previously excellent credit score, and causing additional fees. 

I

called and requested additional information as was told that they didn't know why the autopay didn't process and that nobody in the company would be able to tell me that information. I asked that the credit issue be removed as it was due to an error which they said they could not do. When I mentioned that I would be filing a complaint they offered to waive the fees, but maintained that they would not remove the credit issue. I asked to speak to someone at a higher level and was told I would receive a call in the future. The call never came. I eventually paid off the balance due because I didn't want to be 60 days in default, and at that point also had to pay the late fees. I can only wonder if the company is intentionally cutting off their autopay in order to create additional fees for customers. I simply would like this black mark removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MA

Complaint narrative:
they have gone to far out all the evidence that i have sent in of Fraud and their violating of me i have nothing else to say. this has become a legal matter civil and criminal. the lawyer 's will handle this. Experian has every piece of documentation, they probly did not bother to print them out.most likely ignored. I did stated that this person has done this before and got away with it but not this time they ( experian worker )

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 2023-10-23 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, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I had a crown put on my wisdom tooth and when the crown was placed it had a hole in it. They were supposed to schedule me to come back and replaced the crown which they never did. Also, they did not tell me that I owed that amount until I was questioning them about the fee that they was charging me concerning another procedure. XXXX the office manager became very rude to me because she was charging me a higher fee than what she was charging my insurance company. Which she waited to provide the information to the insurance company and that is when I was told about the fee that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NY

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 XXXX : XXXX Account XXXX has violated my rights. Or a 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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I am writing to file a formal complaint against Mercedes Benz Financial, the organization that originally financed my vehicle. My complaint pertains to their handling of the vehicle financing, which, as per my understanding of the Security Exchange Act, has raised concerns of potential violations, securities fraud and tax evasion. My promissory note/certificate of indebtness was securitizied and the company received full payment for the vehicle. it appears that Mercedes Benz Financial received a CUSIP number and engaged in trading activities. This raises concerns that the account should have a {$0.00} balance as the debt should have been fully discharged. According to the 10k Form XXXX XXXX XXXX XXXX XXXX is the Indenture Trustee with XXXX XXXX as the respective officer. On XX/XX/2023 I sent USPS registered mail # XXXX mail to XXXX XXXX, XXXX XXXX delivered on XX/XX/2023. I spoke to XXXX XXXX on XX/XX/2023 and was given his email which was sent and shows delivered. I have not received a response as of yet and my account is still showing a balance, which again should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
After a re-appraisal of property value for my home, I formally requested private mortgage insurance deletion as the 80 % loan to value criteria has been met ( 77.9 % according to PennyMac representatives and letter received ). I am not being told my loan to value must be below 75 % which is not a referenceable criteria outlined in the Homeowners Protection Act of 1998, which seeks to protect consumers and homeowners from this kind of nefariousness.

I have formally requested a review of this from PennyMac in early XXXX and have not received response. Multiple follow-up calls have not yielded any resolution.

My final correspondence with PennyMac on this subject was on XX/XX/XXXX where I was transferred to a supervisor by the name of XXXX XXXX who effectively read the letter which I received nearly two months ago and did nothing to further escalate my request for review and subsequent deletion based on above outlined criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
There are hard inquiry on credit report i have not allowed : 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 2023-10-23 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: LA

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 : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief