vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: 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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX # XXXXXXXX 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 2023-12-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
These codes have been violated 15 USC 1681 ; 15 USC 6508 ; 15 USC 6802-6805, under my fair credit act.

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 2023-12-22 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: FL

Complaint narrative:
XXXX XXXX  or XXXX XXXX is not my account and I have been exposed to identity theft, I have never been provided a contract with my signed signature stating I owe this debt. Please delete immediately. I have never done business with any of these company 's not happy.

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 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Nelnet, Inc.
State: CA

Complaint narrative:
STOP CONTACTING ME! SEND ALL FURTHER COMMUNICATION TO XXXX XXXX  XXXX. XXXX I DID NOT REPORT IDENTITY THEFT! I REPORTED FRAUD - WHICH IS ONGOING! 

I DON'T CARE ABOUT YOUR PROCESSES OR LEGAL THEORIES! YOU ARE HARASSING ME! PHYSICS IS UPSTREAM OF POLITICS. I'M DONE WITH THE JURISDICTION! GO XXXX YOURSELF!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against American Express ( AMEX ) regarding an unfulfilled benefit associated with my XXXX XXXX XXXX ( s ).

In XXXX, I expended over {$75000.00} across all my XXXX XXXX XXXX, a spending level that, according to the card 's terms, entitles me to a specific benefit : the ability to bring an additional guest into the XXXX XXXX at no extra charge. Despite meeting this significant spending threshold, I have yet to receive this benefit for my card ending in XXXX. 

Upon realizing this oversight, I contacted AMEX customer service for assistance. The representative confirmed my spending had indeed exceeded the required amount of {$75000.00}. However, they informed me that they were unable to add this benefit to my card. This response is both disappointing and unacceptable, given the clear terms of the cardholder agreement. 

Enclosed with this letter, you will find a screenshot that evidences my communication with the AMEX representative, along with any other relevant documentation that supports my claim. 

I am seeking the CFPBs assistance in resolving this matter. It is imperative that AMEX honors the terms of their agreement and provides the benefits that cardholders like myself are entitled to after meeting the set criteria. 

I appreciate your attention to this matter and look forward to a resolution that upholds the standards of fairness and accountability in financial services. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I went in with my XXXX  to the Truist Bank Branch at XXXX XXXX XXXX XXXX, FL XXXX to remove my XXXX  from a secondary account holder and add her as beneficiary. We were both there to sign the necessary papers. XXXX XXXX the service representative, told us that we couldn't modify the existing checking account. 
She said we either close that checking account and open another with me as the account holder and my daughter as beneficiary or we could leave the bank and close the account. I was forced to open another checking account and my XXXX  was listed as beneficiary. Then she said she couldn't give me in writing that my daughter is a beneficiary. She said that information is internal. This has been the worst experience of my life. 

I have a very old checking account that has many benefits that I am not willing to loose. I left the old checking account with {$100.00}. The new checking account I was forced to open I withdrew the funds and only left {$6000.00}. I am not very happy with this bank. This bank needs to give their customers a copy of the signature card were the beneficiary is listed. That information is not internal. The customer needs that information for their records. Also, I didn't want a new checking account. I wanted to modify my existing old checking account and list my daughter as beneficiary. I have gone to many other banks to inquire about this and none of them treat their customers like this. I'm XXXX XXXX XXXX shame on you Truist Bank. This is elderly abuse. 

XX/XX/XXXX XXXX XXXX filed a complaint on my behalf with Truist and the way they do business. I put another complaint with the supervisor about XXXX XXXX the service representative. XXXX XXXX is very rude and shouldn't be dealing with the public. She needs listening skills. 

XX/XX/XXXX I went to XXXX XXXX the supervisor at the same Truist branch for help on my old account she sent an email so my daughter could be removed as secondary account holder and listed as beneficiary. I also requested a copy of the signature card. 

XX/XX/XXXX Truist answered her email and refused to modify my old checking account. They gave XXXX XXXX the supervisor the permission to give me a copy of the signature card. How ridiculous, what I went thru to get a copy of the signature card. 

XX/XX/XXXX I received an email from Truist Bank so I can rate the service I received. 
I gave them the worst rating possible. Then I put my phone number so they can call me. From the first complain to this one I have yet to receive a phone call. 

Please help me. I'm XXXX XXXX XXXX. I've had this checking account for almost XXXX  years. I don't want a new checking account. I want to modify my existing checking 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX owner of XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information on my commercial credit file Equifax claims my company under name XXXX XXXX XXXX XXXXXXXX as per Equifax letter Dated XXXX XXXX and Equifax Commercial Credit Report my company name under XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX My company name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax inaccurate information and Equifax reporting account number XXXX ending in XXXX, not from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also inaccurate company name Attached herewith Equifax letter dated XXXX XXXX, Equifax Commercial credit report Equifax account number XXXX I want inform that I never received any information for account number XXXX Account dates XXXX is XXXXXXXX XXXX years lapse in which I never was informed by Equifax or credit card company about it, being contradictory also during the last XXXX  years I never received any collections XXXX requesting Equifax to XXXX account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to send me a confirmation letter of account deleted within XXXX business days. 

This is harming my company profile. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email Address : XXXX XX/XX/XXXX Subject : Request for Removal and Correction of Inaccurate Information Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to bring to your attention certain inaccuracies in the information currently being reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I request that you promptly investigate and correct the following inaccuracies : 1. Removal of Non-Mailable Address : The non-mailable addresses being reported is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I confirm that this address is not valid, and I request its immediate removal from my credit report.

2. Correction of Full Name : My correct full name is : XXXX XXXX XXXX I have noticed that my full name is inaccurately reported, and I request that you correct it to reflect my accurate and legal name. 
XXXX. Correction of XXXX : My correct date of birth is : XX/XX/XXXX XXXX. Removal of Phone Numbers : The inaccurate phone numbers are XXXX and XXXX. 

The reported birthday is inaccurate, and I request that you correct it to reflect my accurate date of birth.

I would like to bring to your attention the specific provisions of the FCRA, 15 U.S. Code 1681s2, which prohibit the reporting of information that is known or believed to be inaccurate. Furthermore, according to the same statute, once notified of inaccuracies, reporting agencies must cease reporting such information until its accuracy can be verified.

Please investigate these matters promptly and provide a written response within the statutory timeframe. If, after your investigation, the information is found to be inaccurate, I request that you promptly update my credit report accordingly.

Enclosed with this letter are copies of documents supporting my claims, including proof of my correct address and identification. Please let me know if you require any additional information.

Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the applicable legal requirements. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Individual opened an account online in my name.At Citizen bank on XXXX XXXX XXXX. Initial depost of XXXX, I was not notified of this account until XX/XX/ due to the fact that it had become overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: PA

Complaint narrative:
I have inquiries on my transunion credit report. 

Inquiries 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5 XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX 7 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion Dispute Center, I am writing to formally dispute and seek the correction of inaccurate information on my credit report, specifically related to Employment Information and Addresses, in accordance with XXXX XXXX compliance standards. 

1. **Employment Information Dispute : ** The reported employment information pertaining to " XXXX XXXX XXXX is inaccurate and not in alignment with XXXX XXXX guidelines. I request a thorough investigation into this matter and prompt correction to ensure compliance with the XXXX XXXX XXXX XXXX. 

2. **Addresses Dispute : ** The following addresses reported do not adhere to XXXX XXXX standards and require immediate attention : - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I urge a meticulous examination of these address entries and the subsequent correction to align with the XXXX XXXX reporting requirements. 

In compliance with XXXX XXXX guidelines, I am prepared to provide additional documentation for address verification. Enclosed is a copy of my cell phone bill, which serves as a substantiating document meeting the requirements of XXXX XXXX reporting.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and do not know what is correct. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: OH

Complaint narrative:
Received a copy of my credit profile and incorrect information was being reported on it. incorrect addresses, employment and phone numbers

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 2023-12-22 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: GA

Complaint narrative:
Someone use my personal information to apply for credit from those companies and they just pulled credit report without my permission, thats why I locked my accounts on XXXX  and trans union. 
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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My loans were discharged in XXXX under the XXXX XXXX dispute. The Department of Ed sent me a confirmation letter that confirmed that those loans were 100 % forgiven and provided me with intruction to consolidate in order to finalize the forgiveness. 

I consolidated the loans with Nelnet. I have called numerous times regarding the loan group forgiveness for over a year and with each call, I receive the standard prompt from each representative claiming they dont have any idea what is going on with my loan. 

In XX/XX/XXXX, I called and spoke to a supervisor names XXXX who confirmed that Nelnet DID receive confirmation from Department of Ed to proceed with cancelling the loans on XX/XX/XXXX. She stated that it would be escalated to their " claims '' department. 

I followed up a few times after that call for subsequent representatives stating " they dont know what is happening with the loan. '' On XX/XX/XXXX, after being on hold for almost 2 hours, I called and spoke to another supervisor who promised me a call back because he confirmed that the loans should have already been processed. The supervisor stated he would give me a call on Monday, XX/XX/XXXX with an update. The call never came. 

On XX/XX/XXXX, I called about my loan. I was transferred to the " Solutions Department '' and spoke to XXXX, who rudely informed me that " he couldnt do anything about my loan he is just there to answer calls that want to be transferred '' as he proceeded to yawn on the phone. 

I waited another hour to be escalated to another supervisor by the name of XXXX who stated that he does not see any information on my account that my loans were to be forgiven and refused to assist any further. 

Nelnet has been provided with the letter from XXXX by the Department of Education confirming the forgivenss and were instructed by the Department on XXXX to proceed and are failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
GURSTEL LAW FIRM has sent a debt collection summons to me. They are representing a third party debt collection company XXXX XXXX XXXX. I don't have a contract with neither company and have never heard of them. I believe they are committing fraud. The summons shows a date of XX/XX/2023 but I received this XX/XX/2023. The envelope is post dated XX/XX/2023. They also included a certified mail number that hasn't even been processed. I believe this is in effort to time bar so that they can move forward with some judgement. They are committing fraud. Never have I received any correspondence from either company.

Company response to consumer: Closed with explanation