vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: SC

Complaint narrative:
Payment to student loan submitted on XX/XX/XXXX, and scheduled for withdrawal from my bank on my payment due date of XX/XX/XXXX is recorded as past due on my XXXX statement. It was withdrawn from my bank, I do not know why EdFinancial would show it past due. 

Secondly, my XXXX statement ( which is the only statement I can access now -- despite my loan history going back to XXXX ), is showing the interest rate on my loans as variable. All of my loans are Federal loans going back to origination dates of XXXX and should have FIXED rates. 

I have attached the XX/XX/XXXX statement showing both the payment error and the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-10-12 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: LEXISNEXIS
State: VA

Complaint narrative:
To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from Lexis Nexis, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

Lexis Nexis sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt Lexis Nexis to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved.

Additionally, I believe Lexis Nexis may have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent.

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
Kindly adjust my credit report and swiftly eliminate the public record currently shown. I've provided the essential documents to back up my request. I appreciate your immediate action on this issue.

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 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery appeared on my credit report XXXX. They claim that I owe them {$4700.00} even though Ive never done any business with this agency., nor have I accepted any funds from them. Ive disputed this report numerous times. On XX/XX/2023 I sent a handwritten letter to this company requesting the original copy for the debt in question. I received no response. Im not liable for this debt of Portfolio Recovery. I have NEVER entered into any contract with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
Company is reporting late payments on my credit report. Which is in violation of my rights. This is negatively impacting my credit score I am unable to purchase a home because of this. I need the late payments removed from my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and utilized this company to get a personal loan XX/XX/2022. I didnt know much about the XXXX XXXX how it applied back then but I was given a loan with an XXXX of % XXXX, just kissing % XXXX. I understand that there was a lawsuit with this company and wanted to validate if I was affected by it. I also currently have a loan with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that the bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify that the information reporting on my file is 100 % accurate. I investigated the issue further and found that Experian receives their bankruptcy information from a third party company called XXXX XXXX. Ive contacted this company and was told all false reporting of the bankruptcy has been removed from my file. However, Experian refuse to update my record. If this is not the case and bankruptcy information is not verified or validated through XXXX XXXX I asked the company to provide me with rightful information on their investigation method. I have not been able to get resolution to either. Instead, I was told that they can not verify my identity. I believe this to be an attempt to prolong inaccurate and damaging false reporting. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MD

Complaint narrative:
In XX/XX/, a replacement cell phone claim was filed with XXXX. XXXX failed to process the claim in a timely manner per their contract, causing undue delay and costs to our business when the replacement phone arrived five days later. I filed a claim with Elon financial to dispute the {$99.00} charge associated with the service. Elan financial denied the claim on the basis that I received the replacement cell phone. The basis, for the dispute was never that I did not receive the services. The basis for the dispute was that the products and services were not processed in a timely fashion according to the contract provided by XXXX. I requested an updated letter from Elan financial that corrected their mistake and correctly identified the basis for the claim. They refuse to provide the corrected letter. 
Elon financial also provided the documentation by the vendor ( Asurion ) in which their own contract guaranteed the replacement of the phone within XXXX hours. 
On several calls with Elan financial dispute resolution claim department, the contractual obligation in the documentation provided by XXXX was reviewed, and these facts in the legal docs were pointed out to them, but they still refused to enforce their terms of conditions - specifically use of the credit card ensures that the user will be guaranteed that the vendors will charge a fee only if and when they abide by the terms of their contract. In this case, XXXX failed to do that, and Elan financial refused to provide the corrected letter, describing the basis for the refusal. They also refused to honor their assurances and guarantees two card holders that they would receive services and products as described.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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 2023-10-12 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-10-12 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Informed the company that account was open fraudulently and they still will not take off my credit teport

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 2023-10-12 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: CORELOGIC INC
State: VA

Complaint narrative:
To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from XXXX XXXX, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

XXXX XXXX sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt XXXX XXXX to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved. 

Additionally, I believe XXXX XXXX XXXX have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent. 

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
It's been about XXXX weeks since I saw a notice saying my fund is not availabl for withdrawal, I tried to reach Capital One Bank the ask me to leave a voice mail message so can call me back, I did several time I havent heared from them. 
I cant pay my bills, all the bills are past due because of this. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
XX/XX/2023 I entered my bank info, it never left my bank account, so I paid it again on XX/XX/2023. On XX/XX/2023 I asked for the reason of my payments being rejected, they stated I was in fault for entering my information incorrectly. I gave them my information over the phone, still rejected my payment. On XX/XX/2023, the day I am writing this, they sent a rejection letter and I tried using my checking account instead of my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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