vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: TX

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 supposed to modify accounts that aren't reporting correctly. 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 2024-05-01 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: NJ

Complaint narrative:
I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information or to furnish inaccurate information. Experian, the offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I was a victim of Identity Theft, my former roommate opened two Upgrade , Inc. accounts in my name and pretended to be me racking up XXXX  of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN THIRTY 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
Im authorizing equifax to review my credit & to analyze the accounts that are in the files. To delete all inaccurate accounts & inquires that were made by me expeditiously. These accounts & inquires were made against my will .XXXX & I never authorized any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NV

Complaint narrative:
Recently I've noticed the following accounts on my credit are incorrect. I'd like the following removed as I do not recognize any of the following/there have been errors found. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance of {$1000.00} should be {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
To whom it may concern, I am writing to you as I am formally requesting the Navient School Misconduct private loan discharge application. 

My former school ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has knowingly misled students by falsifying data, cheated borrowers who were mislead into attending the school, as investigated and determined by the US Department of Education. In XXXX  XXXX reached a $ XXXX settlement with the Justice Department over allegations of illegal recruiting tactics.

I filed a Borrower Defense to Repayment in XXXX and my application has been reviewed and approved by the US Department of Education with full discharge for all federally-backed loans for enrollment at this school. 

I have reached out to Navient many times throughout the tenure of my private student loans requesting information for discharge, and I have never received any application for use to relieve me of the financial hardship that I have undergone in response to these loans. I believe Navient has a duty to offer relief to students who attended for-profit schools with the hopes of bettering their lives and careers, but instead have been trapped in a vortex of unaffordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
On XX/XX/year>, I sent EXPERIAN a NOTICE regarding adverse accounts appearing on my consumer report, as of XXXX, XXXX  I have not received a response. This is the NOTICE I sent EXPERIAN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN is the Consumer Reporting Agency and I am the Consumer.

15 USC 1681 602a ( 4 ) of the FAIR CREDIT REPORTING ACT, " There is a need to insure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6801 ( a ), " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681b a ( 2 ), " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 1681C ( a ) ( 5 ), " Except as authorized under subsection ( b ), 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. '' I have been granted the right to ensure my private information isn't shared and I was never informed of my right to exercise my nondisclosure option. The above re : accounts are adverse items and are reporting without my permission and EXPERIAN is not maintaining reasonable procedures. I require Deletion of re : accounts Also, 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. This is NOTICE that I am opting out of your reporting services of the above mentioned re : accounts. The financial institution and the Consumer Reporting Agencies EXPERIAN do not have my consent to furnish this information and they certainly do not have my written consent. To be clear, any and all consent to EXPERIAN, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED on the ABOVE MENTIONED RE : ACCOUNTS.

Exercising my protected Consumer Rights,

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We have a mortgage loan with Freedom Mortgage, Loan # XXXX. Their property tax department number is XXXX. 

Our property was re-assessed in error by XXXX XXXX XXXX Tax Assessor. We have spent months working with the Tax Assessor 's office to get this resolved. It now is fully resolved with the Assessor 's office. They sent refunds for excess property tax payments for the years XXXX and XXXX to our home and we cashed those checks. 

For the year XXXX, though, they sent the refund to Freedom Mortgage, through their property tax company, XXXX XXXX. This refund of {$3200.00} was sent out on XX/XX/XXXX. The payment cleared the bank on XX/XX/XXXX. 

I have called or emailed Freedom Mortgage at least 10 times over the last 71 days to figure out what exactly was holding them up from posting this refund to our escrow account or issuing us a repayment of the taxes by check. 

They take messages, and I have been promised twice now that this would be resolved, but it is XX/XX/XXXX and they still say it is in the escalations department and they have not posted this balance to our account. 

I have a receipt of the payment from the XXXX  XXXX XXXX XXXX, which I sent along to Freedom Mortgage, but still nothing. 

This company is shady and disreputable. They have not given me any timeline for resolution of this 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in contact with wells credit card department I had scheduled a payment so they wont close my account they told me to make the payment so the account can remain open and they did schedule the payment and it was processed and they still closed the account even though the payment was made

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
First instance happened on XX/XX/XXXX. Went into the pnc branch to talk to someone about overdraft fees that kept my account negative. That was happening since XX/XX/24. This all happened because the ATM ate my money a couple days before the XXXX. 

I kept calling them and they finally said they can only give three fees back out of 20 fees in XXXX. That is when in XXXX they only gave me back a total of 7 fees out of the 20. After escalating the situation. 

Because of this in XXXX I was over drafted because of the fees not given back for a total of another XXXX fees. XXXX in XXXX, XXXX in XXXX. And right now XXXX in XXXX. 

So they only gave me back a total of 7 fees out of 52 fees. 

These fees accrued because I was never able to recover all the way as if I was given all the fees back in the first place. 

So I would like my 45 fees back totaling {$1600.00}. 

I have been a pnc customer for a long time and dont get how much the company takes and never gives back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I mobile deposited a check into my savings account over a month ago. There was a hold on it and Chase verified they received it and would be removing the hold. I called in the next week and they claimed there was now no record of ever receiving the check and I was instructed to deposit the check into the ATM. I clarified several times to ensure this wouldnt be an issue, they told me no. As soon as I deposited the check, I received the funds, then Chase adjusted it as a duplicate item. I called in and they said there was nothing that could be done because it was a duplicate and that I should reach out to the check issuer ( State Tax Return ). The state verified that Chase had received the funds so they would not issue another check. After countless hours on the phone it was finally told to me that the check was somehow sent to someone elses checking account. I was informed over and over that I would receive a resolution. Every day I called in I was told I would hear back in 24 hours. I even went into a branch and met with the manager who had no idea what to do and failed to call me back. After many more phone calls I thought it was resolved after a Claims rep told me that a temporary credit would be issued within 1-2 business days. When that didnt come I went to another branch and met with another manager who called the claims department and they said the case was CLOSED. I have waited over a month and still can not get any kind of resolution into this. {$950.00} state tax return has been stolen from us. It is absolutely insane to be able to take an endorser government issued check and make errors like this. This is theft and my finances are not secure with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank sued me for an alleged debt on XX/XX/year>. ( Case Number : XXXX ) However I disputed the debt with Synchrony Bank and they honored my claim by shutting down the account, cleared my responsibility and notify the credit agencies. Unfortunately I experienced pain and suffering from their false claim. I've had difficulty receiving credit, renting a house and purchasing a vehicle due to their mistake. This has negatively affected my life. I'm seeking {$10000.00} dollars for their wrong doing. Im willing to avoid seeking further litigation if my request is granted in the next 10 business days.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
Recently i took a look at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure accuracy. 

Here is the account im asking that you investigate XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-01 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:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1996 Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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