vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis nexis are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the XXXX court of XXXX, ga, which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. Thai bankrupcy is also fraud because I never applied for bankruptcy so its not my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX reporting inaccurate XX/XX/2023 late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Dear CFPB, On XX/XX/XXXX, I opened American Express Business Platinum card for my business XXXX XXXX According to American Express Terms & Conditions XXXX XXXX XXXX XXXX XXXX, I need to spend {$15000.00} in three months to get XXXX American Express Member Reward ( XXXX XXXX points. I met this spending requirement on XX/XX/XXXX of {$15000.00}. After deducting {$690.00} American Express Member Fee, I actually spent {$15000.00} before/on XX/XX/XXXX. This amount is more than {$15000.00} which is specified by American Express XXXX XXXX XXXX. 

However, American Express stated that I did NOT meet the spending requirement and therefore to NOT offer me the account open Member Reward points of XXXX. I have called and chatted with American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and American Express opened two cases ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) for the issue. So far, there is no resolution from American Express and they still insisted I did NOT meet the spending requirement even though American Express Card Transaction Activity clearly showed I spent {$15000.00} between XX/XX/XXXX and XX/XX/XXXX. 

I sincerely request CFPB help me resolve the issue. It has been lasted for more than 12 weeks and American Express must offer me the Member Reward points as it is specified when my account was opened. 

Thank you so much for your help. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AK

Complaint narrative:
I applied and qualified for PSLF when they expanded the program. I have been a State of Alaska employee since XXXX. I worked seasonally until XX/XX/XXXX, with a month to XXXX months off a year for several years, but sometimes working all 12 months as a government employee. For the past four years, I have been employed year round for the government. I submitted my second employment certification letter in XX/XX/XXXX. They reviewed it but did not certify any additional payments. I currently have 138 payments, 96 which have been certified. I need 24 more payments to qualify for forgiveness. My employment and payments have not been certified since XX/XX/XXXX. I requested a review of this since it was obviously made in error. Ive also called twice and have been told my account will be reviewed by a supervisor. They also put me on administrative forbearance through the end of XXXX to review my account. I made payments during that time ( since payments restarted in the Fall of XXXX ), and when I spoke with MOHELA they said I could request a refund for those payments since I didnt have to make them. I did. Today, I received an email stating my account was past due since I hadnt made any payments since XX/XX/XXXX. I called them and they said they will have a supervisor review my account. They also placed me in a processing forbearance and canceled the auto debit for XXXX since they need to figure out whats going on with my account. Its a lot of extra work for everyone since I have enough payments to qualify for PSLF, they just need to amend their mistake. But all I can get from them is that a supervisor will review my account. Its been a couple months now waiting for a supervisor to review my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had my Truist credit card fraudulently charged {$500.00} plus fees on XX/XX/XXXX. I opened up a fraud claim/investigation with the bank immediately by phone. I've been waiting for over a couple of months for the credit to be applied back to my card. I have called multiple times, gone to my branch bank, who also called for me, asked for someone to call me, and had the claim escalated and expedited. No response from the fraud unit. No one can tell me why the credit has not been applied back to my credit card. Initially, the bank said it would take up to 2 billing cycles to resolve. It is now in the 3rd billing cycle and nothing has been done. The service personnel that you talk to when you call can do nothing for you. They are there just to relay what information they have on file, which isnt much. The calls are worthless. There is no one to talk to directly about the status of the claim. The bank keeps adding interest charges and requesting payments on the account, which is illegal according to the Consumer Financial Protection Bureau. So now I have to make minimum payments on an unauthorized charge just to protect my credit, which is excellent. I was a customer of BB and T for years and never had a problem. This is the worst customer service that I have received from any bank. I think someone needs to do something. 
Sincerely,

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LoanCare, LLC
State: CA

Complaint narrative:
About XX/XX/2024 I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company Loan care nor was I notified of data breach. Since I have been made aware all payments have been posted. Loan care did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.

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 2024-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was denied credit from XXXX XXXX. I pulled my consumer report and XXXX XXXX is still misreporting on my Equifax report. The file is misleading, inaccurate and incomplete. I would like the CFPB to hold Equifax accountable for performing a reasonable investigation. 

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding Equifax and its adherence to the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Upon review of my report there are instances of incomplete or inaccurate reporting on my credit file, which directly impacts my financial well being I believe that it is imperative for the Consumer Financial Protection Bureau to investigate and hold Equifax accountable for ensuring 100 % complete and 100 % accurate reporting, as required by the FCRA. The reliability and integrity of credit reports are crucial for consumers to make informed financial decisions, and any deviation from the FCRA standards can have severe consequences. 
I kindly request the Consumer Financial Protection Bureau to take the following actions : 1. Initiate a thorough investigation : Please conduct a comprehensive review of Equifax 's reporting practices to identify any instances of non-compliance with FCRA guidelines.

2. Hold Equifax accountable : If violations are found, please take appropriate enforcement actions to ensure Equifax promptly rectifies the issues, implements corrective measures, and prevents future deviations from FCRA standards. 
3. Public disclosure : Consider providing consumers with transparent information about the investigation and any actions taken, ensuring accountability, and maintaining public trust. 
The accurate reporting of credit information is crucial, consumers rely on credit bureaus to handle their data with the utmost precision. Your intervention in this matter is essential to safeguarding my rights. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address and rectify any violations of the FCRA by Equifax. 
Thank you for your dedication to consumer protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2024-01-09 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 submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MCU Holdings, LLC
State: NY

Complaint narrative:
IT WAS STOLEN XXXX MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH THESE XXXX COMPANIES XXXX XXXX MCU HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT HAS ALREADY BEEN REPORTING TO THE POLICE DEPARTMENT FOR FRAUD.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Ive asked for Debt Validation Letter as I am disputing the claim that over {$900.00} was charged off as my only records are from my exs bankruptcy trustee, and show the balance of the creditors XXXX paid in full. I do not show any outstanding balance records. Furthermore, I was not notified AT ALL regarding any outstanding balance, not even once. It showed up on my credit report and that is the one and only reason I found out about this! My calls and emails to GreenSky have been met with replies such as well, thats what our records show or the charge off the charge off will disappear if you just pay the balance, but still, I have no detailed information regarding why the balance even exists, and why I wasnt even given the common courtesy of being notified about an outstanding balance. 

I have not received a single thing from the company since XX/XX/XXXX! All I have for records is the bankruptcy trustees final accounting statement showing GreenSky was paid in full based on the amount claimed in your Proof of Claim submitted on XX/XX/XXXX by XXXX XXXX. I have never once been notified firsthand about anything. Not one letter saying there was any amount outstanding, let alone sent to collections and being charged off! 

As Im sure you can imagine this is quite detrimental to my almost perfect credit score! Plus the fact that I was never notified firsthand about anything before green sky unilaterally decided to charge off whatever this unpaid balance was is extremely frustrating. Receiving emails that keep saying your records dont match our records is not at all helpful! 

I shouldve been notified and given an opportunity to discuss this long before it EVER hit my credit report, and again, I have never been contacted ONCE! All information I have is through a third party, and I only was notified about it in XX/XX/XXXX, because there was an alert through my bank about my credit score changing. Thats unacceptable! 

Finally, my position with the federal government is now in jeopardy because of this situation. I just can not believe I wasnt even given an opportunity to know what was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US court of XXXX, ga, which is false. I have a attached a letter from the US court of XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and experian is falsely stating this information on my credit report and have yet to remove this 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent late payments on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance.

Accounts 1. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete the late payments on this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation