vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed Westlake financial XXXX this account is closed XXXX XXXX this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
LCI IS A THIRD PARTNER COMPANY WHO REPORTS BANKRUPTCIES ON BEHALF OF XXXX. THEY DID NOT GET MY PERMISSION TO PURCHASE ANY OF MY INFORMATION. NDER THE FCRA THEY VIOLATED MY RIGHTS TO PRIVACY. UNDER 15 usc 1681b ( aN ) 2 ). No consent to furnish any information. 15USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Public records is NEVER validated by the Recorder of Deds nor the U.S. court system due to FCRA Privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NV

Complaint narrative:
On XXXX XXXX a call was placed to Experian membership services on a recorded line, and got transferred to the dispute department after verifying identity. Once the dispute introduced herself and got a description of the purpose of my call, which was to correct inaccurate information on my consumer report that resulted in a denial of an application with a FDIC insured financial institution. The specialist was able to help me with correcting my name and current, and only, mailable address. However, she was claims she was unable to remove the inquiries that do not have authorization to remain on my consumer report because there was either no extension of credit offered by the companies, or no account was opened after an application was submitted to the companies. 

I informed her that I would not accept her inability to rectify the problem and stated on the recorded line that on that day of XX/XX/XXXX I reached out to her employer to correct an error and left my personal number for her superiors to reach out if that wanted to avoid a formal complaint. This conversation may be requested from Experian. 

I am submitting this complaint on Friday XX/XX/XXXX and Experian is now in violation of 15 U.S. Code 1681 which states XXXX  " 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. '' and 15 U.S. Code 1681b ( 3 ) Information Regarding Inquiries which states XXXX, " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' and my federally protected consumer rights ; Experian should remove all inquiries that have no record of an account or extension of credit on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Nelnet, Inc.
State: TN

Complaint narrative:
AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXXXXXX XXXX ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). 

See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited my payroll check at the local branch ATM. The ATM reported that the check was " jammed '' and it could not read or return the check, so it asked me to manually enter the amount. It then printed me a receipt for XXXX XXXX with a note stating that they were sorry for the inconvenience and until they could verify the check, the compensation hold was XXXX XXXX. I called their customer service department and they stated there was nothing they could do. My only option was to file a claim, which they have 10 days to even start reviewing!! This is theft and not acceptable. Their broken equipment is irrevocably affecting my credit score as I can not pay my bills on time due to WELLS FARGO faulty equipment and their claims department being a JOKE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: WI

Complaint narrative:
I noticed 2 inquires on my credit report that was not authorized by me and I asked to get these removed. following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent many letters to fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
The Mohela website says that processing of PSLF counts may take up to 30 days. I submitted this year 's form from my employer digitally, marked as received on XX/XX/XXXXXXXX I called customer service at 30 days and 60 days, last call on XX/XX/XXXX. Still no update no estimate of when this will be processed. I was just told to keep waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested for the companies to remove/delete a bankruptcy that is erroneous. I also requested for the company to provide detailed information on the process that they verify these types of accounts because its an error. The company has not deleted/ removed this from my report causing me a lot of financial damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Received a call from Sunrise Credit Services about a debt from XXXX XXXX. I requested proof of debt in writing. She informed me I received it already. When I stated I had not, verified my address and requested it to be sent. She Said it would be sent immediately. I have still not received anything in writing. This request was made in XXXX of 2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. 

Please remove this history immediately from my reports. 

I am giving 5 business days for this to be completed. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXX XXXX  ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). 

See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Last month I discovered that Synchrony/Amazon charged off an account for {$370.00}. The account number ending in XXXX. The last record I showed paying them {$130.00} in XX/XX/XXXXXXXX XXXX Apparently there was a balance remaining of {$67.00}. The last statement they provided me was for the billing cycle from XXXX. Since then, Synchrony/Amazon did not send any monthly statements nor any late notices nor demand letters letting me know the account was past due and that they were planning to charge it off. They simply charged it off affecting my credit negatively. I contacted them directly and they could not provide me with any additional information. I was referred to a collection agency. I contacted the collection agency and 18 days later ( today XX/XX/XXXXXXXX  ) I received the statements and I'm disputing the accumulated late fees and interest on the late fees totaling {$370.00}. As I look through the statements provided today, they have been charging a {$40.00} Late Fee and Interest on the balance of which includes late charges since XX/XX/XXXX at the rate of 29.99 %. On the statements provided today, it shows a very misleading and erroneous description of " INTEREST CHARGES ON PURCHASES '' for every month since the problem began. This company is a predator and they don't care about the consumer one bit. They are happy collecting late charges without providing the consumer due process to rectify an oversight on my part by not paying the balance in full. Instead, they simply charge it off and refuse to deal with the consumer past that point. If you look at the history on this account, you'll see that for a period of two years or so, I paid the balance in full every month.

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 monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to ask for transition assistance to avoid foreclosure from a divorce. I am on title and my ex spouse is the borrower. From my divorce decree. With my realtor I have sent over all required documents to postpone the sale date of XX/XX/2024. I am also going through a service transfer to XXXX. Because of the current sale date and the fact I am going through a service transfer I do not know the exact close of escrow. If I have to use an attorney to stop the sale date I will but I am trying very hard to avoid that. Based on mortgage banking guidelines SPS has all required documents need. Please check the XXXX. My property is PENDING. Again I am in an active escrow. I have been trying for a month to request the sale date be pushed back after being denied a loan modification. I am in a current service transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have been complaining about this exact issue since XX/XX/XXXX  with no valid proof received for the method of verification by the credit reporting agencies. The last contact I had with Credit Collection Service is a vague list of random transactions with no descriptions, no proof of my ownership of the said debt and no evidence of my wet signature or anything indicating what or who these charges were made for. I dont know who authorized these charges or what exactly the charges were for. 

They continue negatively reporting for a debt collection that they clearly dont actually own or know about since no valid proof has been provided to me despite my efforts to receive this information. Im asking for valid undeniable evidence on what this debt was authorized for and by whom.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX across XXXX XXXX XXXX, and Equifax , without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( XXXX & XXXX ), XX/XX/2023 ( Equifax ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey , yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by XXXX, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX across XXXX XXXX Experian, and XXXX XXXX without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( XXXX & Experian ), XX/XX/2023 ( XXXX ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey XXXX yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by XXXX, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX  unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MO

Complaint narrative:
It's truly unbelievable that Experian notified me again there working yet on another complaint and once again they are NOT working on anything but mean while constantly pushing high interest credit cards on loans with interest rates like a loan shark. Clearly it's a computer generated response and one persistent reading or addressing the problems

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion constantly violates my consumer rights by reporting incomplete information and by illegally updating the Date of Last Activity on a XXXX XXXX account. Transunion continues to re-age this account to reset the statue of limitations in hopes that this account will remain on my credit report longer than the law allows. My previous dispute letter was received on XX/XX/2023 and the tracking # is XXXX. I am attaching my previous letter along with receipts, numerous credit reports showing this illegal re-aging and the correspondence Transunion sent me which is dated XX/XX/2023 stating that Transunion investigated the information I disputed and the disputed information was verified as accurate which is not 100 % accurate because my credit report is still displaying incomplete information as well as illegal updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check on XX/XX/XXXX, {$200.00} it's was for holiday bonus in chase account the next day they freeze my account I don't know why until I call them they said they need more information for the check provider to find out after I keep calling them they said it's was no date on the check but why clear the check on XX/XX/XXXX if its no date and my check did not bounce back why restricted my account that's not fair to me. And the person that give me the check they said it's clear from their end so why all this problem I don't get it is it because I'm XXXX or what please I want more information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I was threatened to be sued by Portfolio Recovery account # XXXX without being provided with proof that I owed such debt. According to the 15 U.S.C. 1681 law there should not have been any damages on my credit report which was a defamation of my character. I was harassed at least 3-4 times a day by phone. I was eventually served court papers and was advised that I must pay such debt or risk being garnished. Although, I tried obtaining proof of debt prior to being served legal paperwork. On XX/XX/21 I agreed to settle the debt to avoid a judgement against me. I was already laid off my job as a result of covid and this additional burden was too much. I made a decision to agree to something that was not valid. I XXXX XXXX  at the time and the harassment caused emotional distress which resulted to me having a XXXX XXXXXXXX. As a result, I had my baby XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation