vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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. 

MICHIGAN XXXX XXXX XXXX : # XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, 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:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Items are being reported inaccurately on my report. Please see attached.

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check into my JPMorgan Chase account and they put a hold for a long time, and then they freezed the account and then closed it, and now they drag around with the funds, and I can't pay my mortgage, and mortgage company says that my house is going to be foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX incorrectly listed my name as XXXX XXXX XXXX, deceased. I discovered this via XXXX XXXX. It showed that Selene Finance reported the deceased status. 
I contacted XXXX approximately XX/XX/XXXX and was told they corrected the issue- the next day my report on. XXXX was reinstated. XX/XX/XXXX my status was again deceased via XXXX. 
XX/XX/XXXX all XXXX bureaus list me as deceased. XXXX is the only bureau with the incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This is a follow-up to prior complaints. I have a mortgage with Select Portfolio Servicing. I became delinquent on my mortgage account and successfully completed a 12 month repayment plan, of nearly {$2800.00} per month, in XX/XX/2022. Please keep in mind that this repayment plan amount is double my normal monthly payment. When I entered into the repayment plan, I was advised that I could file a loan modification at any point during the repayment plan period. When I was approaching the expiration of the repayment plan, I applied for a loan modification. I was denied a loan modification by SPS, stating that I must wait until the completion of the repayment plan. Following the successful completion of my repayment plan, I submitted another loan modification application. I was denied. I issued a similar complaint with your office and was offered another repayment plan of the same amount, nearly {$2800.00} per month. I contacted the Obudsman Department at SPS, and spoke with XXXX. XXXX stated that he would request a lower repayment plan by extending the term. I contacted SPS for over 3 weeks, as I did not receive a response from XXXX, and could not reach anyone. I continued to leave voicemails and send emails. I finally spoke to someone on today 's date who stated that my reduced payment request was denied. The payment under the repayment plan is excessive and does not solve any problem with the mortgage as it ends with a balloon payment, which can not be fulfilled, as to why I was directed to file the loan modification with the original repayment plan, which also ended with a balloon payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Financial Services Solutions, Inc.
State: MD

Complaint narrative:
I originally signed up for beyond finance in XX/XX/2019 and paid a little over XXXX a month until recently. I paid a little over XXXX and they closed 3 accounts which were not close to that amount. They kept telling me for months they were in settlement while my credit gor worse and then finally after years of service and realizing my money was being stolen I asked to close my account. They said I only had XXXX in the account and they were keeping it. I paid them for years only to have 3 accounts closed but then I don't get my money??? Where did the XXXX go????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Hello, I reached out to Mohela on XX/XX/XXXX to inquire about the status of my PSLF. It has been well over 90 days since I submitted my application from XX/XX/XXXX so there should be an update. On XX/XX/XXXX, I saw this status update : XX/XX/XXXX Duplicate Form A duplicate application was processed as Canceled. 

I immediately called on XX/XX/XXXX to inquire about what the duplication application cancelled status was about. I stressed to the representative that I have thoroughly checked my application over a dozen times and there was no duplicate application. I stated that everything is dated from my years of employment XXXX - present. She informed me I was correct and there is no duplicate application and she is unsure why that was written. She also informed me my XXXX were processed XX/XX/XXXX and she confirmed she will write a note in my account. When I logged back on Mohela, I see another status update : XX/XX/XXXX Received in Process Please allow up to XXXX business days for processing. A notice will be sent upon completion. 

I message Mohela to follow up, requesting clarification. Am I to understand that I have to wait another 90 days before I get another update regarding my PSLF status? I don't understand how I have to wait about 6 months now to get an update on my PSLF when there was no error from my end. I asked for this confirmation in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, 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:
There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, XXXX, TRANSUNION, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, XXXX, XXXX, and EXPERIAN are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
The debt collector company name is Shermeta. I already set up monthly payments and finished my payments in XXXX and I just recently seen that this company has set up a wage garnishment at my workplace to take even more money from my job on a bi-weekly basis. I had no notification about this, no phone call. When I tried to clear this miscommunication, no one answered the phone and/or called me back. Now after I paid my full amount of the debt I owed, I don't see how charging me more from my workplace in such a sneaky way is fair. I now need to figure out how to dispute this extra {$200.00} dollars and hopefully I will be able to receive it back and stop these automatic payments from getting taken out. I have emails of proof of my payments and bank statements to prove it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: OK

Complaint narrative:
In XX/XX/2022, I was informed that I was late on a payment for my credit builder account for the first time due to my payment not being processed. I was only told today that I had been delinquent from XXXX 2022 for payments of {$35.00} for a credit building service. The account was not helping my credit so in XXXX I cancelled the account on the phone, which the company said they had no record of today. I was also altered by email in XXXX that the account would be closed by Self for nonpayment when I made no changes other than cancelling. I cancelled the account and they kept charging me {$35.00} per month in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told I needed to pay {$130.00} in late charges to get my account current today- XXXX months after I cancelled it. When I told them I refused to pay and cancelled my account again- they only then informed me that I did NOT in fact owe {$130.00} and that my account would no longer be reported on. The deception is criminal!! The real issue is that Self reported my payment on a XXXX XXXX account that was cancelled as not just XXXX but XXXX days late, this despite the fact there was money in the account to cover any payments " missed ''. Instead my credit building account is now severely damaging my ability to get a mortgage. I need this XXXX and XXXX late payment removed from my credit report immediately and a letter stating the debt is resolved without prejudice. I can not believe a service dedicated to helping credit would ever do so much to damage mine AFTER I CANCELLED the service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my 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