vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, XXXX XXXX XXXX  is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and Equifax, XXXX, and XXXX are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, XXXX XXXX XXXX  is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and XXXX, XXXX, and Experian are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.

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 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
I recently moved from Florida. I must have not paid my last constellation energy Bill as I received a note in the mail regarding the outstanding debt. Since it was only {$110.00} I attempted to pay. 

I had received the letter from Mccarthy, Burgess & Wolff. They stated I could pay XXXX regarding acct. XXXX or XXXX The website would not let me enter despite putting in my XXXX, SS # and Acct. #. 

I called the company and at first they tried to get me to pay over the phone. I told them I wasn't comfortable and please help me pay online. They transferred me to someone else, who again tried to convince me to pay by phone. I told them again I wasn't comfortable. 

I then was transferred again and the gentlemen on th ephone tried to direct me to a different website then was in their letter. 

I told him I felt uncomfortable with that and I told him to let me know when the accept online payments, but until then please don't bother me. 

He let me know it was a debt I owed and had to pay, I told him the only reason I hadn't paid was because his company could not provide the payment opportunities that were promised in his letter. 

I then emailed the help email for payments and I received a XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit Union did not see anything unusual about a new and unusual {$250.00} charge ( set for monthly renewal ) by XXXX, made on XX/XX/23. The charge was fraudulent and I did catch it myself within XXXX days. I requested and obtained a block on that XXXX card. It took a painful 2-1/2 weeks to receive a new card! The very first charge of only {$9.00} was for a subscription renewal ... nothing whatsoever suspicious about a small, always renewed monthly charge by XXXX XXXX made on XX/XX/23 AND THIS CREDIT UNION HAS BLOCKED A CARD THAT TOOK 2-1/2 WEEKS TO OBTAIN! I refuse to jump through the hoops AGAIN to see what horrors this credit union has in store for me next. It does not deserve to be licensed to handle my financial affairs in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I want to Dispute with early warning services with information that was retained with out my knowledge that is incorrect. I Show three bank accounts that were not opened up by me. My Identity has been stolen. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/ Monday I called Equifax to report that I logged into Equifax com and could not see my credit report or my debts that were reported. I had to access XXXX XXXX to see my scores and debts that was on my credit and I'm not sure if it is even accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is the second time Truist has bought insurance with our escrow account money even though we have sent our insurance confirmation MANY MANY times. They sent a letter a few weeks ago requesting proof of insurance. We uploaded the proof of insurance ( to their portal ) and got a notice that it was not " accepted '' -- so I called and spoke to someone who said I was using the wrong term in the subject line of the email. So I sent the information AGAIN and AGAIN received a notification that the proof of insurance was not accepted. I called again and the person told me that because my condo association purchases the insurance, it was confusing the system, and that he would find my submission and manually put it through. Next thing - I get a letter saying Truist has purchased insurance ( {$830.00} ) using money from my escrow account. What is especially frustrating is that this EXACT thing happened last year and Truist did not remedy until I wrote to CFPB - then they corrected it and refunded my money. Do I have to go through this every year?? Our mortgage was with XXXX XXXX and XXXX XXXX XXXX  for many years and I never had this issue with them. Is it possible for me to move to a new mortgage servicer? It is very frustrating because they have access to my money and do not seek permission from me before withdrawing from my escrow.

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 2023-08-28 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: PA

Complaint narrative:
In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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 2023-08-28 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:
In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau to Transunion to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate XXXX XXXX XXXX XXXX XXXX XXXX No late payments on those and again verify the balance. XXXX XXXX XXXXXXXX Not my account, Its a corporate account company owned by my Ex -wifeXXXX XXXX XXXX XXXXXXXX Not my Account According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I never received any notice that my insurance increased via my insurance company or mortgage company. Also, I always sent in over payments ( about $ XXXX ) to be applied to my escrow account in case my insurance or taxes increased. XXXX applied my over payment to the principal instead. I only found out my account was 30 days late due to needing information for my taxes ( on the XXXX day ). 

They said ( conversation recorded ) that they sent me messages via the XXXX. My screensaver shows no messages. They said that they left phone messages. My phone history shows no calls from XXXX. They said they emailed me, but also admitted my emails were coming back ( also recorded ). My email address has not changed in about 20 years. So, they inputted the incorrect email. 

I can show they held my {$2700.00} over payment on XXXX ( due by XXXX ), but never notified me of their {$24.00} shortage, or sent the check back. As far as I was aware, my payment went through my bank account 20 days before being late. 

Note : my other mortgage ( XXXX ) notified me of an increase, and I made the necessary changes.

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 2023-08-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never received any notice that my insurance increased via my insurance company or mortgage company. Also, I always sent in over payments ( about $ XXXX ) to be applied to my escrow account in case my insurance or taxes increased. XXXX applied my over payment to the principal instead. I only found out my account was 30 days late due to needing information for my taxes ( on the XXXX day ). 

They said ( conversation recorded ) that they sent me messages via the XXXX. My screensaver shows no messages. They said that they left phone messages. My phone history shows no calls from XXXX. They said they emailed me, but also admitted my emails were coming back ( also recorded ). My email address has not changed in about 20 years. So, they inputted the incorrect email. 

I can show they held my {$2700.00} over payment on XXXX ( due by XXXX ), but never notified me of their {$24.00} shortage, or sent the check back. As far as I was aware, my payment went through my bank account 20 days before being late. 

Note : my other mortgage ( XXXX ) notified me of an increase, and I made the necessary changes.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hi. I have an account with U.S. Bank. They have closed my account stating I misused their name on social media. I have never posted about any accounts I have and have no clue as to why they would close out my account. They closed out my account without any warning and stated they will send a letter. Shouldnt a letter be sent out before you close out an account? I was also given a number that does not ring but can only leave a voicemail. I believe they no longer want to give me XXXXapr interest for the next 6 months and are punishing me because I refuse to open up additional accounts. I have never been late on any payments and have excellent credit. I would like a detailed explanation and to show me when & where I have ever commented about my us bank account. I would like my account reinstated and not forced to open up additional accounts.

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 2023-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: IL

Complaint narrative:
XXXX is calling the disputed amount ( {$390.00} ) an early termination fee. This is surprising to me because I have been a customer for 19 years straight. XXXX has automatically renewed my contract 9 times in a row. The early termination fee should have expired with the first contract. 

The FTC has ruled against XXXX over the matter of junk fees and surprise fees and ordered XXXX to refund these fees. Please read the FTC ruling at the links below. According to the ruling, I do not owe XXXX anything. XXXX has hired a debt collector SRA Associates to collect the early termination fee. This should not be allowed. 

Case Summary In XX/XX/2022, the FTC announced it stopped internet phone service provider XXXX from taking consumers money without their consent and creating obstacles to those who try to cancel their service. Under a proposed court order agreed to by XXXX, the company will be required to pay {$100.00} XXXX to refund consumers harmed by its actions, make its cancellation process simple and transparent, and stop charging consumers without their consent. 

Complaint : XXXX : XXXX Stipulated Order for Permanent Injunction , Monetary Judgment, and Other Relief XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: AZ

Complaint narrative:
On XX/XX/2023, I responded to an online ad to get a personal loan from XXXX XXXX in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. XXXX XXXX  should a credit score from TransUnion of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from Transunion ''. 

My Transunion credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech. 
I asked XXXX XXXX CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. XXXX XXXX CSR choose not to answer. 

XXXX XXXX representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan. 

After the denial of the loan, I asked XXXX XXXX CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested XXXX XXXX to remove and delete my private information they refused. I am now forced to close my bank 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 explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet claims to offer updates via email every ten days. I have submitted my documentation almost a month ago. No update available online or from the servicer. To reach someone, call wait time exceeds one hour. I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Complaint against XXXX XXXX for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with XXXX XXXX have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from XXXX XXXX in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to XXXX XXXX. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to XXXX XXXX and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.

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