vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Credit Bureau : According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of iters prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

This account must be deleted its been past 30 days and Experian has not follow the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) and must delete this account National credit systems which I already provided proof of clam is identified as identity theft this account is inaccurate In should not be deleted immediately. EXPERIAN HAS BEEN CONSTANTLY REPORTING INAPPROPRIATE AND INACCURATE INFORMATION ON MY CONSUMER REPORT I HAVE ALREADY GAVE THEM ALOTS OF PROOF OF CLAM. ITS BEEN PAST 30 days in this account is not valid it should be deleted according to Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a )

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 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I applied for one way financial XXXX XXXX XXXX to help build my credit up, I was approved and they sent out a card to the address provided but the card never made it to the mailbox. I have notifications from XXXX  to tell me what to expect in the mail and didn't get that notification. I got notifications from a text asking if I was trying to withdrawal money from a XXXX around XXXX XXXX. I was still sleeping and when I woke up I had several notifications about withdrawing money from multiple sources. I was confused because I hadn't even received the card at all. So I called the one main financial to report the discrepancies and they said they couldn't find my information that I provided because it had change to a different email and phone number than my own. They provided an email and instructed me what to include in the email, address. i.d . phone number and pictures of the transactions and emails saying my password had been requested to be changed. But I hadn't requested that either. No one from the agency was responding to the email and they also wouldn't help me any further on the customer services via phone. I'm am currently getting harassment text and letters saying it's going to go to collection. I found this odd because a first payment hasn't even been due a week for a card that was applied for in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CT

Complaint narrative:
In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CT

Complaint narrative:
In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business

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 2023-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX Vystar Account This incident started during the time Vystar was having major systems issues. My daughter participated in XXXX ( Data Buster Sunmer Program ) were the earned money for the participation. And as XXXX recieved her wages by paper check she would then upload them to her account. And with Vystar system issue it was not notifying her that the online deposits were processed or accepted. She made multiple attempts to deposit in both her Checking and Savings Accounts, which caused her to have two additional payments deposited into her checking account and one in her savings account. 

When XXXX noticed the overpayment she made me aware. And I then contacted multiple agent over the phone at Vystar to assist with the matter. At first I was told nothing could be done. And finally, an agent contacted the deposit team at my request to place the funds on hold. And now being under the impression this matter has been resolved. The explanation given was that once the federal reserve notices the duplicate checks ( quadruple to me ) they would then reverse the payments in her account, which then would allow the funds on hold to balance her account. The hold would be released in the account after 10 business days and then an extended hold would be added if needed. 


I no longer worried about the matter, under the impressionthe matter was resolved. To then recieve a letter for both of us regarding a negative blaance for both her Savings and Checking Account. To find out when I contacted Vystar the money was added back in her account and XXXX requested the payments be returned and now she's owes a balance in the over six months later is absurd. 

I was told it took six months for them to realize the checks were duplicate payments. And only allowed them to use XXXX  or XXXX XXXX. I never received statement from them during the duration of her membership, nor did she request electronic statements. Or information to notify her the her account was in the negative. 


But the worst part of all was I was listed as an joint owner that I did agree to. I asked for the same type of account my daughter who is also a member to have that did not require me to become joint member.

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 2023-09-24 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-09-24 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Per their website, I called TD Auto finance to get a lien release letter or some sort of documentation that I paid off my loan. Im trying the get a title since i never received the original title in the mail. 

Each time I call, Im told that they can send me the form by mail ( within 5-7 days ) or fax ( within an hour ). I chose mail the first 3 times, waited over a week but never received the document. I have also asked to have it faxed and never received the fax. Ive had to tell them my new address on at least 2 occasions which means it wasnt changed in the system as I had been lead to believe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: LA

Complaint narrative:
I've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus Transunion, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.

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 2023-09-24 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: ME

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX AND EXPERIAN are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022XXXX XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: CA

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

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 2023-09-24 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have recently submitted a CFPB complaint against Bull City Financial Solutions. The responded with a generic blanket statement and the complaint was closed. Again, they are stating that i have an alleged debt with them in the amount of {$1100.00}. 

I sent a debt validation letter requesting specific information to which they did not supply. I asked for not only proof that I owe them anything ( a contract/agreement with them with my wet-ink signature and a good or service i received from them. ) They did NOT produce such documentation. I requested in the validation letter as well that if they could not do so within the legal allotted amount of time that they cease with their collection efforts and immediately remove the their derogatory remarks from my consumer report. They have done neither. 

In the XX/XX/XXXX CFPB complaint I listed all of the things that they were in violation of and I again requested immediate removal of their reporting to all three of the CRAs. Their response was conducive with the fact that they are in willful violation of the FDCPA, FCRA, and the Privacy Act of 1974. I've stated with them the laws and compliance matters with the Acts and they refuse to move on them. 

They are in violation of 15 USC 1681 for the information in my consumer report provided by them, permissible purpose, and a blatant violation of compliance procedures. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Bull City Financial is in violation because they have not and can not prove, in fact, that I owe them anything. They have not produced any accounting ledgers, statements, or again, a contract or agreement with my wet signature binding me to them and a service or good I received from them. 

12 CFR 1016.1 : they are again in willful violation because as stated in my debt validation letter as well as my last CFPB complaint, i asked to immediately be opted out of them reporting any information about my on my consumer report. I am NOT a customer of theirs and i DID NOT consent to them reporting anything in the first place. 

So again, I request they they immediately remove reporting of me to any and all CRAs that they are reporting to. I demand to be opted out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Please remove these accounts from my personal credit 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 2023-09-24 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: Mercedes Benz Financial Services
State: ME

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: SC

Complaint narrative:
I requested a bill statement from the creditor, and account holder. The information enlisted on the report is incorrect. Please remove the following accounts and information from my personal credit report including XXXX, XXXX, XXXX, my social security number and address. It does not belong to me. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AR

Complaint narrative:
I applied for a Loan Consolidation and a XXXXncome Driven Repayment plan on XX/XX/2023. I have been attempting to contact Edfinancial once a week ever since then as both applications listed below are pending due to waiting to receive documents from Edfinancial. Like everyone else my student loans will start again in XXXX. I'm attempting to contact Edfinancial to either get them to send the documents or allow my loan to be in deferrment until they are able to process my application ( which states 28 days to complete and we are well beyond ). Each week I call and the wait time is above XXXX minutes, I wait as long as I can, but I never get through, when I give up on hold, I attempt to use their call back option, however, they have not returned any calls. I have emailed each week and they do not respond. I attempt their chat option and live representatives are not available only automated responses that are unable to help. It has been 2 months with over 10 different attempts vial email, phone, and chat, and I have exhausted all other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: WA

Complaint narrative:
I have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my 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 explanation