vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified : 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 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 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
I deposited {$50000.00} in a saving account on XX/XX/XXXX. It took XXXX business days before I could access this money. Then I find out they put extremely low transaction limitations on my account. 
Mobile Deposits : Daily {$750.00} and Weekly {$1500.00} Sending Money : Daily {$1000.00} and 30 day {$3000.00} These low limits don't work for me so I decided to cancel the account. When I cancelled the account, an interest deposit for {$100.00} was placed in my account and them immediately removed. I also received a paper statement showing interest earned this period of {$100.00}. 
I've contact US Bank on XX/XX/XXXX regarding the interest and they were unable to explain why it doesn't show. I called US Bank on XX/XX/XXXX same result and was told this would be escalated to their Customer Car Unit. I was suppose to receive a communication within 24 hours. Two days later on XX/XX/XXXX I contact US Bank again. Same result, unable to help and suggested I see if anything happens. Communicated that isn't acceptable and said I would be contacting banking regulators to file a complaint.

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 2023-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing because XXXX is reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with the following creditors. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Capital OneXXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX CAP ONE N.A. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received and deposited 2 bank checks into my JP Morgan Chase checking account associated with the sale of US domiciled property where chase bank was the mortgage lender Chase bank also received a bank check from the same financial institution for pay down of the mortgage loan balance. 

Chase processed the check to pay down the mortgage loan within 3 business days but put my checks are on hold for 7 business days. Despite repeated calls to release the funds, chase continues to hold and is not depositing the sum into my bank account. They say they must speak with the financial institution before releasing ( which they presumably have already done, given they released /processed the funds the institution had addressed to Chase ). 

Chase refused to work on resolving the release of my funds unless I remained on hold while they tried to contact all necessary institutions and individuals. I was told if I hang up, they will move to the next case. After 2 hours on hold they tell me they could not contact the institutions and my hold would persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
I have been a registered nurse for 15 years and have been paying on my student loans since XXXX. I attempted to apply for student loan forgiveness as I have been working for a non profit organization for the past 8 years. Also previous employers also qualify for the non profit. I was rejected for loan forgiveness with no explanation as to why. The system confirms my employer is a non profit and qualifies for this loan forgiveness. I had to apply for a loan consolidation and an income driven plan which is going to significantly increase my payment. I had no choice but to to apply for this, I couldn't just consolidate my loan. I have enclosed a pdf of the document available from my lender ED Financial. There is no record of any of my previous payments showing on this statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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 DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : 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 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have not requested these companies to access my Transunion consumer reports. They have committed identity theft by not getting my permission Inquiry : XXXX XXXX XXXX Dated : XXXX Inquiry : XXXX XXXX Dated : XXXX Delete this information from my consumer file.

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 2023-08-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
So on XX/XX/XXXX I was to have my package delivered it wasnt after trying to talk to the merchant for week they said stop calling and we aint gon na take your calls anymore so I contacted the card company, gave them screenshots of order and info that XXXX wasnt helping even a lost package report from XXXX then they dispute {$1100.00} then sent letter and even on call told me it was closed and no need to worry they did the credit then two month later they drop the charge on my account again so I just redid the dispute and they told me today it closed and they gave the credit just like the last time and I dont wan na be used again so if you guys can help they keep telling me it is closed just to reopen it later

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 2023-08-31 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:
I recently made a complaint about XXXX reporting inaccurate information on my report. XXXX removed everything from my report as ask. XXXX AND EQUIFAX have been illegally reporting information on my credit report and I need them all to be removed. I have made an address change and everything and collections and inquiries are still not removed but have been removed completely from XXXX. They need to be removed from equifax and XXXX as well asap. Below is proof that it was removed from XXXX  but not the other two

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: GA

Complaint narrative:
Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: GA

Complaint narrative:
Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.

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 2023-08-30 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: TX

Complaint narrative:
How can Equifax say this " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number '' I have a credit score for Equifax! There are fraudulent items and inquiries reporting on Equifax! They should remove them immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: LA

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 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 non-monetary relief
Consumer complaint received 2023-08-30 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: LA

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 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 2023-08-30 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:
I was sick with XXXX, in XXXX and XXXX of XXXX. I called and set up a payment arrangement with XXXX XXXX in XXXX, but still received notices about my missed payment, so I called back in XXXX. I set up a payment arrangement on the two credit card accounts I have with them, on XX/XX/XXXX. As part of the arrangement, an auto draft was supposed to have been set up on my account. I called and spoke with a Representative at XXXX XXXX, today, and was advised that they do not have record of me being late or being assessed any late fees from XX/XX/XXXX forward, however, my credit report reflects late payments from XX/XX/XXXX through XXXX of XXXX. I advised of this, and was instructed to dispute the late payments with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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:
I was sick with XXXX, in XXXX and XXXX of XXXX. I called and set up a payment arrangement with XXXX XXXX in XXXX, but still received notices about my missed payment, so I called back in XXXX. I set up a payment arrangement on the two credit card accounts I have with them, on XX/XX/XXXX. As part of the arrangement, an auto draft was supposed to have been set up on my account. I called and spoke with a Representative at XXXX XXXX, today, and was advised that they do not have record of me being late or being assessed any late fees from XX/XX/XXXX forward, however, my credit report reflects late payments from XX/XX/XXXX through XXXX of XXXX. I advised of this, and was instructed to dispute the late payments with the credit bureaus.

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 2023-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Amount : {$5000.00} I sent a letter to the debt company regarding to this wrong collection record on XX/XX/2023. However, I haven't receive any feedback from the debt company yet. 

I never live in this community before, so the debt collection record is unacceptable. I talked to the staff from the community, they confirmed that there was another person 's name exactly the same as my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: I.C. System, Inc.
State: TX

Complaint narrative:
Please delete this account from my credit report. The account is close and is showing past due. By law no account should ever show any pass due amount because its a violation of consumers privacy rights. This information on my credit report is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. Also the Creditor is not the original creditor and i did not give this company permission any written consent to furnish my information publicly

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 2023-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
The XXXX XXXX XXXX  XXXX/Velo Law Debt Collectors are contacting me regarding a debt that I do not owe. at inconvenient times and places. On XX/XX/2023, I have told their receptionist that this debt had been placed into XXXX  XXXX bankruptcy the receptionist made a threat to me over the phone, stating that their attorney would garnish all my wages due to a Judgement against me at the 46th District Court in XXXX, MI. In addition, the receptionist stated I do not care if you make a complaint to the state or the bankruptcy court ; we will get our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint is involving Equifax. They recently were reporting my Bankruptcy incorrectly and I contacted them. It was showing active instead of discharged. The dispute was resolved and my score went up from XXXX to XXXX. Then three days later it went down XXXX points from XXXX to XXXX. The reason they sent me was due to my student loans updated with new Comments. Then when I called the comments changed to say paying as agreed. These were the alerts and reasons provided to me on my Equifax.com. When I called to discuss they were giving me totally different reasons. Once the comments were changed from unfavorable to favorable so should my score have changed. Equifax is not providing solid reasons bs, but giving basic reasons why my score decreased XXXX points, which is a hard hit. This is very upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: 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.

has violated my rights. Or 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