vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against Equifax regarding their failure to properly investigate my disputes, as well as their violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute by mail to Equifax, outlining the inaccuracies on my credit report related to the accounts from XXXX XXXX XXXX and XXXX XXXX. In response, I received a letter from Equifax dated XX/XX/2023, stating that they were unable to process my dispute due to the inability to verify my identity. However, I had provided a copy of my photo ID, social security card, and proof of address as requested. Despite this, Equifax did not proceed with the investigation of my dispute. 

In an attempt to rectify the situation, I resent my dispute to Equifax on XX/XX/2023, hoping for a prompt resolution. However, to my disappointment, I never received any response from Equifax regarding this dispute. 

In light of the lack of communication and response, I sent additional disputes to Equifax on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Despite these multiple attempts to seek resolution, Equifax has failed to conduct a proper investigation and has not provided me with the results of their inquiry. 

One of the disputed accounts is from XXXX XXXX XXXX, and I have not received any information properly validating this debt. I believe this debt to be inaccurate, and without proper validation, it should not be reported on my credit report. 

The other disputed account is from XXXX XXXX, which is reporting inaccurately as an installment loan with a remark that I was previously 60 days past due. I can confirm that I have never had an installment account with this creditor, and this information is erroneous. My direct disputes to XXXX XXXX have been returned as undeliverable multiple times, indicating that this debt is unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
Since late XXXX I have been unable to view any information about my outstanding loans on my servicer 's ( Edfinancial ) online portal. The only loan that shows is a XXXX XXXX  that I paid off completely years ago which now has a XXXX balance. However, I have several other XXXX  student loans that total approximately {$48000.00} and none of them are visible on the portal. On XX/XX/XXXX, I received an email form Edfinancial stating " Effective XX/XX/2023, Edfinancial Services will begin moving your loan ( s ) to a new student loan servicing system to better serve you! ... Two weeks after the transfer begins, you will need to register for a new online account at Edfinancial.com/XXXX Once you log in you can view your new account number in your 'Profile '. If you previously signed up to receive electronic correspondence, we will continue to send correspondence electronically to you after your loan transfers to our new system. '' On XX/XX/XXXX, over two weeks after the start of the transfer, I logged into my new account and still only see the same paid-off XXXX XXXX  XXXX On the same day XX/XX/XXXX, I called Edfinancial to get information about my loans because payments will presumably be restarting in barely a month. Their customer service representative confirmed that my loans were still in the transfer process and once the transfer is complete I will be able to see them in the portal with the new login I created. I asked when my next payment would be due. I was told they are unable to tell me at this time. I asked how much my next payment would be. I was told they are unable to tell me at this time. I asked what repayment plan I was currently enrolled in. I was told they are unable to tell me at this time. With payments resuming sometime in the next month or two ( I am unable to know the exact date due to Edfinancial withholding the information from me ) I am unable to make an early payment, enroll in an income-based repayment plan, or even adequately plan for the resumption of payments. Because they have already missed their own timeline, I am concerned that they will not have the information available to me before my payment is due, and that once they do have it they will backdate interest and penalize me for missing a payment. I am also concerned I am not enrolled in the most advantageous repayment plan available to me, but I am not able to determine what plan I am on or apply for a different one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed information with transunion they information regarding a bankruptcy from XXXX  is not complete and not reporting accurately via XXXX XXXX. It is not properly vetted via the clerk of courts. I asked them to remove from my credit report over 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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. 


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 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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NE

Complaint narrative:
I was a victim of improper account deactivation. I am unfamiliar with their Chime app and by mistake, I added funds to my Chime account from my XXXX account. I tried to cancel the transaction but there was no such option on their Chime app. Now, they closed my account. In every email, they weren't clear regarding what documents Chime wanted from me. They questioned my source of funds and I sent them everything from my current salary slips, ID documents valid visa status. They wanted documents and I sent those to them according to what I best understood. I am a XXXX working at XXXX XXXX XXXX  and now Chime is holding on to my money. 

I by mistake transferred {$2700.00} to Chime and now they have closed the account and are refusing to refund my money. They are not being clear as to why are they forfieting my money There is no question of source of funds as I am on legal XXXX status and employed by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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 Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I opened a checking account with the U.S. Bank and deposited of {$15000.00} on XX/XX/. When I opened my account, I did not include " XXXX '' as part of my middle name as I remember it shows optional on the registration form online. My account with the U.S. Bank is under XXXX XXXX. The U.S. bank closed my account on XXXXXXXX  and sent me a letter explaining that they believe the account was opened with someone's else name and personal information. My fund of {$15000.00} is now being held indefinitely by the U.S. Bank on their hold over account. The fund was deposited using my XXXX XXXX account which is also under my name. I have since spoke to them twice about the account with their Customer authentication and Fraud Experience ( CAFE ) Department who originally sent me the letter about the closure of my account. On the first encounter on 07//21//2023, I spoke to XXXXXXXX. She mentioned that the fund is being held because they can not verify the identity of the account until I sent them the copy of my Driver 's license and Social security number to their email provided which is XXXX and she provided me the reference number for it XXXX. I sent them both of documents requested through email. Today on XXXX, I called the CAFE department again to ask about the status of my fund, the first customer service said they could not find anything about the fund being released, so I asked to speak with the higher up person. I spoke to XXXX XXXX from the CAFE department of the U.S. bank and she now mentioned that the fund will be held indefinitely because they can not verify the account. I asked her what I can do to show that the account belongs to me, and she said there is nothing else she can do to release the fund. I have provided all the documentations needed to show that the account belongs to me. I even provided the copy of social security number which is the same I used to open the account. My driver 's license shows my correct address and date of birth. I really needs help to have my fund released. I can provide all the documents needed.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased my mobile home in XXXX and secured a 20 year loan through Bank of the West. 

The area I live in is considered a flood zone and Bank of the West requires flood insurance for the loan. 

For many years, I was using a broker XXXX XXXX who purchased XXXX for the insurance. 

Almost from the beginning, I would receive automated notifications from Bank of the West they were missing flood insurance. 

My broker from XXXX, XXXX representatives, and myself would send emails and fax declarations. I would also go into local branch offices for support, but all they would do was say they would " contact someone '' at Corporate.

One year, the Bank of the West forced insurance onto my loan although I had purchased it. When that happened, I placed a formal complaint with CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX In XXXX, I received notice from XXXX that XXXX would no longer provide flood insurance. 

I did some shopping and found XXXX XXXX. 

I communicated with a XXXX XXXX and purchased what I believed was needed *before* my current policy expired on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX sent the new Insurance policy ( including Flood ) to the Bank of the West. 

On XX/XX/XXXX, I received notice from the Bank of the West they had not received Flood Insurance. 

On XX/XX/XXXX, XXXX XXXX tried to contact the Bank of the West to no avail. 

On XX/XX/XXXX, I sent the following attached letter through US Postal. I also emailed the Escrow Department that same day. 

On XXXX Thursday, XX/XX/XXXX, I received the very first non-automated email from XXXX XXXX stating saying explaining the coverage received was {$20000.00} and needed to be {$69000.00}. 

Although I will agree my *new* broker made an error in the coverage amount, I believe I am being penalized for a lack of communication as to what was needed. 

Their email to me on Thursday, m XX/XX/XXXX was the first non-automated email I received from the Bank of the West. 

And now you are penalizing me for a forced place flood gap that could have been avoided had the Bank of the West communicated with me when they first received the new insurance from XXXX ( before my previous insurance expired )

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae continues to call and text XXXX times per day. We have talked to them and we have submitted paperwork that loans are not due yet because still a student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/23 XXXX and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/23 expirian and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has been forcing me to make payments on my federal loan during the entirety of the Federal Loan pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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