vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: NC

Complaint narrative:
Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Experian must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Experians duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors

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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
Beginning XX/XX/XXXX, I initiated the process to close my water delivery service with XXXX. I communicated with them repeatedly from XX/XX/XXXXXXXX  through XX/XX/XXXX requesting final bill for the water cooler and closure of my account. Finally on XX/XX/XXXX, in response to my inqury about the cooler once again, the company notified me that " ... we took a look at your account and saw that we took care of it. ". 

In XX/XX/XXXX, XXXX began sending me past due notifications with threats to send me to a collection agency. Every emailed notification and attachment indicated " Amount Due : {$0.00} '' and they would not respond to reply emails. 

Beginning XX/XX/XXXX, I began receiving notifications from Associated Credit Services presenting themselves as a debt collector and indicating I owed two separate amounts from my former ReadyRefresh account. 

I used their provided dispute method to submit a dispute of the debt at https : //payacs.com/contact-us/. Nobody has responded to my dispute and ACS continues to send threatening emails regarding amount owed with a deadline of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I applied for a furniture store account and for some reason they couldnt process the application. Ive grown accustomed to my credit and adviser action being used towards me when I tried to get any from of credit since I had Identity Theft happen to me accounts wont open for me. But they the companies and hackers and or harassment groups for hire can get loans in my name and use it to portray me to be this person thats the cause. Ive yet to by law the right to dispute and have the identity theft accounts removed. I cant even get a real credit report off XXXX is very sad when corporate giants are up against you. And the same laws dont apply.

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 2024-01-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX spoke to a rep as the executor of my fathers estate, he has a roth ira and a CD at USbank. 
XX/XX/XXXX got a copy and paste condolence response and a rep in charge of the case. 
6 calls and many emails later, still no responses. 
Sent a copy of the death cert and letters of admin, no confirmation of receipt.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or around XXXX I contacted XXXX XXXX XXXX after being denied for a home mortage loan for inaccurate late payment from XXXX XXXX XXXX even after are payment extention agreement please see oringinal compalnt in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or around XXXX I contacted XXXX XXXX XXXX after being denied for a home mortage loan for inaccurate late payment from XXXX XXXX XXXX even after are payment extention agreement please see oringinal compalnt in attachment

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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2024 I received a " Card Approval Notification '' e-mail and then a " Fraudulent Email Alert '' e-mail from Synchrony Bank the Credit Card company for my Sam 's Credit Card. Apparently, someone was able to get online and change my Home Address and Phone Number in that account. Then they were able to get a card sent to them and used it after activating it the same day. I called Synchrony Bank to get this resolved and they had to verify my identity using some phone app because the thieves had replaced my home address and phone number with theirs. Upon, trying to make this app work I had to take pic of my GA Drivers Lic. The front one worked fine but when I was taking the back one I tried XXXX times and even had my wife verify I was doing it correctly the last XXXX times and it rejected my image. So, I have to wait XXXX biz days to get a code to verify myself only problem is they never asked me for my actual mailing address so they will be sending that code to the actual thieves. I asked HOW this could have happened? How did someone hack my account and change that information? I received NO answer and now I am looking at trying to fix this.

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 2024-01-11 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: TX

Complaint narrative:
I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items.

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being.

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues.

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA.

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system.

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with 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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I received an escrow analysis from my mortgage servicer that my escrow balance was short nearly XXXX and my monthly mortgage payment was due to increase over XXXX monthly. I closed on my property XX/XX/XXXXXXXX  and prepaid 1-year insurance and also escrowed an additional 3 months at closing. I provided SPS with the copy of my closing documents as well as the canceled checks for the premiums sent. In XXXX on XXXX I changed insurance companies with a lower premium. There is no possibility after living in a property for 2 years and prepaying 1 year 3 months at close as well as paying monthly I can be XXXX behind. The math does not work. I disputed the escrow analysis in XXXX of XXXX  and still have not received assistance as they claim they need more time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: AZ

Complaint narrative:
I began receiving phone calls from Outsource Receivables Management ( XXXX ) about a month ago ( early XXXX ). When I spoke to the representative I asked where the debt they are trying to collect originated. I gave them my phone number as it is the one used by their auto-dialer and where they left voice messages. The representative stated that they could not find my phone number in the system, nor could they find my name in the system. I was advised to " just block the number. '' I did just that, I blocked their number. 

Now, every other day I receive a Voicemail from Outsource to contact them. The phone doesn't ring as I have it blocked, but will allow them to leave a voicemail. I have called them back SEVERAL times trying to have them either 1 ) Tell me what debt they are trying to collect ( they can't ) or 2 ) Delete/erase my contact information from their system ( they can't find ANY of my information in their system ). 

The ideal resolution for this is for them to stop harassing me with these unwanted phone calls or tell me what debt they think I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was charged {$59.00} in my checking account from CCB Bread XXXX  Payment XXXX  ACH on XXXX. I contacted Bread Financial at XXXX on XXXX at XXXX XXXX  central time and spoke with XXXX ID # XXXX. She said to send a screenshot of the charge so the financial team could review it. I requested to speak with someone in the financial department since they were the decision makers that could review this but was told I was not allowed to speak with those team members. I have followed up to an email XXXX sent with a screenshot of the bank draft per her instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-11 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: FL

Complaint narrative:
I have an inaccurate account on my credit report and i used the experian credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks

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 2024-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
We filed a XXXX XXXX  Bankruptcy in XXXXboth the first and second mortgages included and discharged, leaving us with debt against liens. We reaffirmed the debt with our first mortgage. Based on the information provided by our attorney, we decided to not reaffirm the second mortgage with Specialized Loan Servicing. Based on the information we received, we believed that SLS would not foreclose. Rather they would write off the debt or sell to a company that buys past-due debt. 
On Monday, XXXX XXXX XXXX we learned that a sheriffs sale had been scheduled. 
A neighbor who is a realtor saw our address and realized we were just 2 doors down. She provided the information she had from the XXXXXXXX XXXX. 

I called SLS and learned that a certified letter was mailed in XX/XX/XXXX and before that one was mailed in XX/XX/XXXX. The one in XXXX XXXX  was the notification and we should have known at that time SLS would be moving forward with the foreclosure process. 

The loan is due for XXXX and a payment was made on XX/XX/XXXX. Per SLS, they never sent any notification before the letter in XXXX. And then the one from 6 months ago. Without notification, they moved forward with the foreclosure process. The foreclosure was filed with XXXX XXXX XXXX, MN, and the sale date was scheduled for XXXX 

Due to the lack of notification that SLS was moving forward with the foreclosure, we very limited in ways to resolve the issue. We are also working on a very skinny timeline and may not have solutions that can be provided to SLS prior to the sale.

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 2024-01-11 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) for their failure to address and resolve a dispute I raised concerning inaccurate information on my ARS consumer file, specifically a public record related to bankruptcy. 

On XX/XX/XXXX, I requested a copy of my ARS consumer report, and upon reviewing it, I discovered inaccuracies in the public record section. On XX/XX/XXXX, I mailed a dispute to ARS challenging the accuracy of the following information : " Court : U.S. Bankruptcy Court Bankruptcy Filing Number : XXXX Reason : I dispute the accuracy of the public record listed as 'XXXX XXXX XXXX Date : XXXX ' on my credit report. I do not recognize this record in the reported manner, and I have confirmed with XXXX XXXX XXXX, the reported furnisher, that they supply information to XXXX, not ARS. I request the permanent removal of this disputed public record from my credit report. 
I included a copy of how the item appears on my ARS report, along with a response from XXXX confirming they do not provide information to ARS. '' Despite mailing my dispute on XX/XX/XXXX, I have not received any response from ARS regarding the investigation results. Subsequently, I sent a follow-up letter to ARS on XX/XX/XXXX, requesting an updated credit report. Unfortunately, I have not received any response to date. 

Enclosed, please find copies of my dispute letter mailed to ARS on XX/XX/XXXX, the follow-up letter mailed on XX/XX/XXXX, a copy of how this bankruptcy appeared on my ARS report XXXX and the response from XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CT

Complaint narrative:
My account shows an inaccurate balance. This account is fully paid off and should reflect a {$0.00} balance. This is killing my XXXX and making it hard to obtain financing.

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 2024-01-11 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a Bluebird Prepaid Debit Card by American Express. I purchased this prepaid card from XXXX over 10 years ago. Since about XXXX, I have had more issues accessing my account on the website and app. My password stopped working and I am unable to change the password because I did not receive the new card replacement which is required by the company. I have attempted to explain this issue to the card company hotline, but the card hotline representatives have only claimed that the new replacement card was delivered to my account address and I should have received it already. The card hotline representatives also claimed that I would not be able to close the account until the remaining balance is {$0.00}. The remaining balance is about {$4.00} and a few cents. I have requested more three times last year for the account to be closed. Up to now ( XX/XX/XXXX ), I never received the replacement cards and I never received the remaining check to help close the account. What concerns me is I keep receiving emails bank statements that I can't access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items.

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being.

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues.

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA.

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system.

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief