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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is directed towards the Credit Reporting Company, Experian, and is in relation to my previous complaint against XXXX regarding the same student loan account. My previous complaint ID was XXXX. 

The student loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. 

However, this information was still not updated with Experian, XXXX, and XXXX, so I had to utilize the dispute process to request corrections on this account with all three bureaus. To date, XXXX and XXXX have reported this data. 

Experian, on the other hand, has not. I just submitted the dispute again ( for the XXXX time ) today after speaking with their Customer Service representatives. They most recently updated the account to show incorrectly that I, XXXX XXXX, am the deceased person. This resulted in Experian showing me as " unscoreable '' since I am apparently dead. 

Upon speaking with them, they initiated another dispute ( the XXXX one ), that was resolved today without any change to how this account is reporting. They are reporting that I am deceased and they don't include any balance information. Their guidance today was to submit yet another dispute. 

In the meantime, Experian is indicating that I am deceased, which is resulting in issues with other creditors I do business with. XXXX, for example, froze shipment of a new credit card to me and will not provide me any credit information online. 

The failure on Experian 's part to thoroughly review this matter to resolve the dispute is having a material impact on my consumer credit. Hence, my formal complaint regarding this matter.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Today, I received a call from this XXXX of the Synchrony Bank. Caller ID XXXX, which does not relate with the Synchrony Bank. 

Voicemail Script Good afternoon my name is XXXX XXXX I'm calling from synchrony bank this message is for XXXX XXXX in regards to your teacher for words credit account and received correspondence regarding an issue were having and I was just wanting to touch base with you regarding that if you could please return my call at XXXX I would appreciate it thank you and have a great day I sometimes could hear the parts of this voicemail recording. And each time, the different parts are clear. I have checked the number XXXX, which does not relate with Synchrony Bank. Therefore, I decline to call back this number. Also, the number, XXXX, looks to connect with some private number ; therefore, I will not answer.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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.In accordance with the Fair Credit Reporting act. 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
The student loan company, Mohela, is required to send a billing notice at least 21 days in advance of the payment. My payment is due XXXX and the billing statement was sent on XXXX

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR A MEMBERSHIP I NEVER JOINED AND XXXX XXXX XXXX XXXXXXXX CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX DOLLARS. I REACHED OUT TO MY XXXX, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.

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: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: MN

Complaint narrative:
WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have a business account with square, to receive credit card payments. Now Ive been with them alittle over a year or so. I have received thousands in transactions and sales, being I am a XXXX. Well square is constantly holding my funds with no reason or rhyme. I asked them about it they said it was normal, I said why if my customer pays with a business credit card are my funds still being held, they had no answer for that other than this is protocol Im sorry thats not good enough. Banks shouldnt hold payments that cleared or credit card charges this isnt fair or right for consumers. Nowhere do they advertise that they hold allllllllll transactions. Not some, all. Which means my team cant get paid, expenses cant come out. Theyre holding up business operations for no reason. Im not sure what theyre up to over there but it cant be legal. Oh and they wouldnt transfer me to any supervisor, apparently management has no phone panel I call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX This is not mine 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 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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: EQUIFAX, INC.
State: TN

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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: LJ Ross Associates
State: CT

Complaint narrative:
The company, XXXX and XXXX XXXX has negative accounts on my XXXX account. I have disputed this multiple times I have spoke to XXXX and I have reached out to XXXX XXXX XXXX, and I was told that there is no count found in my name or with my Social Security number.

Company public response: Company disputes the facts presented in the complaint
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft. I sent my FTC Report and my Florida Driver 's license to Experian, XXXX, and XXXX. I will be filing a civil suit for reporting inaccurate and fraudulent information.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: MD

Complaint narrative:
I have a debit card from Netspend that my XXXX benefits go on every month. On XX/XX/2024 I had {$630.00} on my card in the morning I went to XXXX to pick up a few things. Within a few hours someone had charged XXXX withdrawals from my account in the amount of {$300.00} twice totaling {$600.00} dollars. When I contacted the company on XX/XX/XXXX, at first I was given the run around then I filed a dispute and complaint. Which they sent me a claim number and reference number. They are supposedly sending me a new card and launched a XXXX business day investigation and said if they are not done within that time they might give me provisional credit of my money lost. I am a XXXX woman who relies on my money every month to buy my essentials and medicine. I hope and pray that this matter gets looked at and the company puts back my stolen money.

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 — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from LoanCare stating that they do not have proof of hazard insurance, in which I ignored the letter because I knew that I had closed escrow on XX/XX/XXXX with XXXX XXXX XXXX XXXX with proof of insurance. 
On XX/XX/XXXX I received another letter second and final notice, at that point I contacted them and sent them the proof of insurance from XXXX. 
On XX/XX/XXXX I received a letter from LoanCare stating that the insurance will not suffice and that I had 30 days from the date of that letter or LoanCare will obtain their own coverage. 
On XX/XX/XXXX I obtained insurance with XXXX effective XX/XX/XXXX and had them sent the clause to LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare stating that they charged me {$560.00} against my escrow account because they placed their insurance from XXXX. 
I called LoanCare several times to dispute the {$560.00} charge against my escrow account, following dates. 
XX/XX/XXXX no name rep... 
XX/XX/XXXX spoke with XXXX employee # XXXX, said someone was going to call me back... 
XX/XX/XXXX spoke with XXXX, was advised the same thing... 
XX/XX/XXXX spoke with XXXX, told me the same thing... 
XX/XX/XXXX spoke with XXXX, was told the same thing... 
XX/XX/XXXX Spoke with XXXX employee # XXXX he escalated to XXXX employee # XXXX he escalated to get a case XXXX assigned... 
XX/XX/XXXX XXXX employee # XXXX, told me escalation was received and waiting on insurance department... 
XX/XX/XXXX XXXX called with decision, they dont agree to refund and will keep {$560.00} charge .... 
Fax # XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Virginia XXXX, VA 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 2024-01-11 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: WI

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX 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 2024-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested XXXX XXXX XXXX XXXX to remove their furnishing report that is still on my credit report ( excluding XXXX and XXXX ). They have continuously failed to report to the remaining major credit bureau, Equifax, to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ). 

Additionally, I have requested for my XXXX  to be changed to XXXX, which reflect my other legal documents, and they have yet to change that alongside placing an extended fraud alert even with the proper documents.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

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.

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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account XXXX has been charged off as of XX/XX/2020 and a balance of {$3200.00} remains showing on my credit reports with all 3 bureaus specifically TransUnion, XXXX and XXXX. It is my understanding when a creditor writes off a debt that no further payments are due. The balance should be set to XXXX on credit reference agency reports.

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