vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Chase checking bank account was closed by Chase on XXXX  with no reason. And then I went to branch on XXXX and they said the check of my balance has been mailed out.Then I have called the customer service on XXXX, they said my check will arrive on XXXX. And I called Chase today, they said my check has never been mailed, said it is under legal review and don't know when can send back my money. They are lying to me giving me false information about the money will mail to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BoA has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX XXXX XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. 

Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by BoAe because it was greater than the balance. 
I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. 
Bank of America then marked my account as delinquent. 
As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. 
Steps I have taken : I started a dispute process with Bank of America 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. 
I opened a dispute with XXXX XXXX XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. 
I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from BoA, and they did not communicate any of the failings of their autopay system. 

Best, 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 2023-12-18 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:
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 XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  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 non-monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
I sent a letter asking experience to reinvestigate my accounts. Everything is not 100 % accurate. This is causing me stress, I feel helpless because the credit bureaus are not doing their job. 

According to 15 USC 1681i, Experian, XXXX and XXXX have thirty days to investigate and send me results which I have not ever received. 
They are in violation of 15 USC 1681i 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 ( 1 ) 15 USC 1681 ( b ) ( c )

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 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: AR

Complaint narrative:
PNC Bank will not mail our statements to our po box .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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. The following hard inquiries have been disputed several times and they are still on my XXXX XXXX and Experian credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA

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 2023-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Consumer Portfolio Services ( CPS ) for unauthorized contact and privacy breaches. Despite multiple requests to CPS account managers to refrain from such actions, on XX/XX/2023, my new account manager contacted individuals who are not listed as my references. This contact includes past co-workers, previous employees, and even children.

These actions have not only breached my privacy but also appear to be an attempt to shame and discredit me, potentially impacting my employment opportunities and legal standing due to my debt situation.

This behavior by CPS is a severe violation of ethical standards and privacy rights. I have maintained open communication through email with CPS, yet they have chosen to disregard my requests and continue with these invasive practices. I believe this to be a deliberate strategy to use my personal information against me.

I urge the CFPB to investigate these practices by CPS and take appropriate action to prevent further privacy violations and harassment.

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NJ

Complaint narrative:
Inquiries were made without my authorization I have filed a FTC report. 
FTC report # XXXX The followings inquires were not authorized ; Transunion 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 2023-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lima One Capital, LLC
State: TX

Complaint narrative:
Per the contract, the transaction was to close on XX/XX/XXXX. 

XX/XX/XXXX I received an email from the lender stating that the final terms have been finalized. The new terms lowered XXXX than originally quoted which increased my cash to close approximately {$15000.00}. I informed the lender that I will not move forward due to the final terms and requested that my appraisal be transferred to a new lender. The lender denied my request stating that the deal is still viable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023, i sent a verbal and an electronic message to representatives of Suncoast Credit Union requiring them to immediately close all of my accounts associated with Suncoast Credit Union due to their predatory fee policy. This wish was not honored and as a result, i have a negative balance on my Suncoast Credit Union checking account because of NSF fees charged to this account after XX/XX/2023. My accounts had positive balances when i sent the verbal and electronic notices requiring the immediate closure of all my accounts at Suncoast Credit Union on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
Around XX/XX/2023 I tried to get a pre approval from Fairway Mortgage Co. in XXXX, Ca. During the application process the loan Agent did a hard inquiry on my credit report instead of a soft pull. It was my understanding that they would do a soft pull first and a hard pull in escrow. After the loan agent miscalculated my approval and I was not able to purchase the home and had a bad feeling about using them. 
So I decided to go another route and when the soft pull was done I found that my score had dropped XXXX points and was going to be there for at least two years. This is my first time trying to purchase a home and felt taken for granted. I have been working hard to improve my credit and would like to purchase a home in the future with out this mark keeping me from doing so. Because of this inquiry I will not be able to purchase a home unless I use Fairway Mortgage Co. 
My financial plan is to rent one more year, get this mark removed and pay off some debit so I will be ready to purchase a home in the near future. Please fill free to call with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it 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 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The debt is from XXXX  and I had no idea that this was a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: LEXISNEXIS
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Lexis Nexis for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S. Code 1681s2 ( a ). The details of my dispute and the events leading to this complaint are as follows : On XX/XX/2023, I submitted a " Dispute and Request for Verification of Bankruptcy XXXX under FCRA XXXX ( a ) ( XXXX ) '' letter to Lexis Nexis. This letter was accompanied by my valid ID and current utility bill. The correspondence was sent via certified mail, and the United States XXXX XXXX verified its receipt on XX/XX/2023, with tracking number XXXX. 

Despite the certified mail confirmation, Lexis Nexis claims to have reached out to me via email on XX/XX/2023. To my knowledge, no such email was received, and considering that all necessary documents were sent on XX/XX/2023, there should have been no need for additional verification of my identity. 

It appears that Lexis Nexis is reluctant to provide the information I requested regarding the verification of the alleged bankruptcy, specifically, the details of whom they verified the bankruptcy with at the US Bankruptcy Court. 

In a letter dated XX/XX/2023, Lexis Nexis informed me that I could access my Lexis Nexis consumer report. However, upon attempting to do so and entering the provided PIN, I encountered technical difficulties as the PIN did not work. 

As of today, XX/XX/2023, a second letter " Dispute and Request for Verification of Bankruptcy Information under FCRA XXXX ( a ) ( XXXX ) '' is being sent via XXXX XXXX Mail with Tracking ID # XXXX. Enclosed are my valid ID and XXXX XXXX XXXX. I am also requesting the unverified information to be deleted immediately. 

I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the FCRA by failing to respond adequately to my dispute, requesting unnecessary verification, and providing inaccurate or inaccessible consumer report information. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Lexis Nexis for potential violations of my rights under the FCRA, specifically under 15 U.S. Code 1681s2 ( a ). If necessary, I am prepared to pursue legal action to rectify these violations. 

Enclosed with this letter, please find a copy of the original dispute letter, certified mail receipt, tracking information, the letter from Lexis Nexis dated XX/XX/2023, and the second dispute letter with its corresponding certified mail receipt and tracking information. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dates not accurate unfortunately, but latest request was on XXXX XX/XX/XXXX asking EXPERIAN to for third time to remove 2 credit cards for XXXX XXXX ending in XXXX and XXXX along with XXXX checking account ending in XXXX which they want me to reconnect BUT have been cancelled in XXXX and replaced by new accounts which are active. Also have been attempting to have EXPERIAN to add my personal checking account with XXXX XXXX XXXX XXXX XXXX  to XXXX scoring as I pay all my utility bills by check or auto payment from bank - which they say does not exist as I DO NOT USE A CREDIT CARD.by that bank. This should NOT lower my scoring as I have never missed any payments. What they are trying to make me do IS open another form of credit thru them ( XXXX XXXX which is debit ) but i refuse- one credit card is enough. This is another tax scam as they list their Headquarters as being in XXXX, XXXX but contact address is in XXXX, Texas. 
I believe my XXXX score should be higher if they add my missing checking account.

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 2023-12-18 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : 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 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
Although I am on the SAVE Plan with a {$0.00} payment, I am still being incorrectly charged interest on my student loan. I have called numerous times and spent hours on the phone to get this corrected and each time I am given various excuses on why it has not been corrected and a new timeline on when it will happen. I am one of the numerous people that never received my bill for XXXX which started the issues. I was assured the interest would be removed from my account, I would receive a copy of my billing statement, and I would receive credit for the month but none of those items has occurred. I still have not received a copy of a billing statement or any documentation after multiple requests to prove that I am receiving credit towards PSLF or income driven payments with my {$0.00} SAVE plan payments so I have no faith that they are correctly tracking those items. MOHELA is not following the stipulations of the SAVE plan as evidenced by my ballooning loan balance.

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