vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/2022 POLICE REPORT FILED

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 2023-09-08 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: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
I have never had a bank account with XXXX XXXX XXXX but according to my credit report it says i have and I owe {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have had several weeks of unemployment benefits loaded to the ReliaCard. My mailing address on file with ohio unemployment is : XXXX XXXX XXXX XXXX, OH XXXX. ReliaCard issued and mailed a card to an unknown address they refused to specify even after verifying my identity. They agreed to mail a new card overnight to the correct address. I got the new card XXXX days later but it was already locked for " fraud ''. My funds were frozen. When I asked them why they refused to give an explanation and said I must submit my photo ID to a verification site and wait 2 days. I submit the ID and called them 2 days later. They claim a request came from XXXX XXXX  to close the card for no reason. I asked for explanation of that and proof also they refused to communicate about my own account. I was refused documentation. They have treated me unfairly... not held up thier own card agreements and refuse to allow access to my rightful funds. They also flagged my account for fraud before it was even activated. How can fraud be possible without a single transaction or even an active 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
The problem is with CREDENCE RESOURCE XXXX I'm not liable to pay this debt because my original contract was with XXXX XXXX XXXX and I did not authorize them to sell my information to this company this account has been deleted on it's own under XXXX XXXX XXXX so they basically resold my information which is against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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 a paid charge off that has been reporting on my credit for a couple of years now. This paid charge off has a huge impact on my ability to secure favorable credit terms and financial opportunities. I have attached supported documents from the ACTUAL creditor. I kindly ask that you conduct a thorough review of my account and consider the removal of this paid charge off. I trust that this documentation will aid your evaluation and decision-making process.

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 2023-09-08 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT INQUIRIES SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went into the XXXX XXXX, Fl branch to deposit a cashier 's check on Monday XXXX. The check was quite substantial ( $ XXXX ), however I was depositing into my existing checking account. The teller indicated there would be a hold on the check for XXXX days -- - even though a casher 's check is suppose to be as good as cash and typically available the next day. The teller brought the XXXX XXXX XXXX up to see if any thing could be pushed sooner -- XXXX XXXX XXXX said she would try to get it through within a couple of days. Our account has been in the negative more than positive over the last 8 months, due to my husband being diagnosed with XXXX XXXX XXXX. I did not share this with the teller or XXXX XXXX as I am not looking for sympathy, I was hoping the check could be pushed as she had indicated. I called ( Thursday XXXX ) to speak with XXXX XXXX, her XXXX message indicated she would be out until Monday. I asked to speak with a XXXX. The XXXX XXXX got on the phone and I explained to him the situation. The check still had not cleared and we have obligations ( especially medical bills ) to deal with. He said there was nothing he could do. I then asked if perhaps he could reverse the deposit and I would take it to the bank the funds originated from which was XXXX. He said that they could not do that and I would need to issue a stop payment and then have the funds wired. I wasn't aware that you could have a stop payment on a casher 's check? He continued to say because I had a negative in my account, there was no way he would be able to do anything -- - My account could not accommodate the funds!!!! How unprofessional for him to even say that. He was rude, unprofessional and this was totally unacceptable to be treated like this. I will tell you when I had hundreds of thousands of dollars in my account -- I was certainly not treated the same way like I was from this individual. He was totally disrespectable & discriminating and then hung up on me!! Is that how he treats all his clients or just the ones that have a negative balance. I was very clear, that we had a great deal of funds coming over the next few weeks and they can be assured we will not be using Truist for our banking needs.

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 2023-09-08 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: MA

Complaint narrative:
I am writing to formally dispute and request corrections for inaccurate information on my Equifax credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To this date, Equifax has not responded. Below are the details of the inaccurate information and the necessary corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Action Required : Please remove this account from my credit report. 

You are reporting the XXXX XXXX XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$2300.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

The information indicated on the DIGITAL FED CREDIT UNI account is imprecise : Date Opened : XX/XX/XXXX Balance : {$680.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$680.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

I require that you verify the account identified as XXXX  XXXX : Date Opened : XX/XX/XXXX Balance : {$6300.00} Past Due : [ Remove this ] Action Required : Verify and correct the reported balance to reflect the accurate amount. 
Remove the Past Due information. 
Mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX BANK XXXX {$1100.00} XX/XX/XXXX XXXX XXXX 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Approximately one month ago I received a letter from the mortgage company ( Carrington Mortgages Services ) stating that a disaster had been declared in our area and we would be eligible for forbearance if needed. I ignored the letter as we know of no disaster and are not in need of any assistance. XXXX  I received a letter from them stating that they received a request from me to voluntarily cancel our forbearance plan and that as of the date of the letter my loan is no longer in forbearance. This statement implies that they put it in forbearance at some time! I called the company XXXX  ( XX/XX/23 at XXXXXXXX XXXX XXXXXXXX - spoke to XXXX XXXX and told them at no time did we request assistance or any kind of plan and that I wanted a letter from them stating that my loan has never been in forbearance and that they did not report any such info to any credit bureau. They stated that they called me last month and that I said that we didn't need any assistance. I do not recall that phone call at all. However, even if I did receive the call and told them no assistance was needed, I am still angry at the implication that my loan was in forbearance at some point and I want something in writing from them saying that it was not. They refused, saying that that was the only letter they could send me. I also want in writing from them that they did not report any forbearance activity to any credit bureau. That is my main concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: MOHELA
State: SC

Complaint narrative:
- notified that my loans were forgiven on XX/XX/XXXX - my effective discharge date is XX/XX/XXXX - Mohela will not provide me with the following information - access to my payment history for the life of my loans - amount of refund I should expect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I made a purchase XX/XX/23 for {$490.00} on from XXXX  XXXX XXXX XXXX XXXX XXXX ( multiple company names for some reason ), through Goldman Sachs. 

They are not an accredited educational institution to issue XXXX XXXX XXXX certifications per my employer. I explained this to Goldman Sachs, the provider of my Apple Card multiple times and I am on my third unsuccessful attempt to dispute the charge with them. 

Each time they side with the merchant. The only evidence the merchant has provided is a receipt. Per the Fair Credit Billing Act, I have a " good reason to be dissatisfied with the items and services I have purchased '', therefore my chargeback stands as legitimate. 

On XX/XX/23 after multiple attempts to get this dispute settled, and Goldman Sachs repeatedly declining to rule in my favor, I cancelled my Apple Card and will no longer do business with Goldman Sachs.

Company response to consumer: Closed with explanation