vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 I PREVIOUSLY DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Colony Brands, Inc.
State: OH

Complaint narrative:
I have asked for the late payment to be removed. I was told it could not be remove because it is correct. 

In accordance with the Fair Crediting Report Act this creditor has violated my rights under 15USC 1681sec602 states I have the right to privacy 15USC 1681 sec 604A sec 2 also states a consumer reporting agency can not not furnish an account without my written instructions under 15USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plant as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX 'Discover It ' opened a credit account for me with a credit limit of {$2000.00}. I was paying $ XXXX month through my credit union checking account autopay service for approximately 9 months. When I attempted to charge some products at a local retail store, my Discover card was declined, resulting in my confusion & embarassment. 
I telephoned the company & was informed that my account was closed because I had failed to " verify '' my identity by responding to an email the company had sent me several months ago. 
Looking through my emails, I found an email from some other company I never heard of asking me to complete an IRS form. Since I hadn't recognized the company asking for my personal information, I thought it was a scam & hadn't answered the email. 
I informed the representative of Discover that since I did not know that Discover was trying to verify my identity, I had ignored the email thinking it was a scam. It was an honest mistake on my part that was unrelated to my payment history or creditworthiness. I requested that my account be reopened, in light of the fact that I had never missed a payment. Discover refused to reopen my account, but advised me to continue making payments because of an outstanding balance of {$1500.00}. 
I have continued to pay my bill on time, but I reduced my monthly payment from $ XXXX. to $ XXXX. 
In XXXX Discover increased my minimum monthly payment to $ XXXX, with interest rate of approximately $ XXXX. I sent 2 autopayments, one on XX/XX/XXXX for {$50.00}, & one on XX/XX/XXXX ( Discover 's closing date ) for {$10.00}. Discover charged me {$30.00} in late fees because the due date for my payment was XX/XX/XXXX. I called the company & was informed that although the statement closing date was XX/XX/XXXX, there is no 'grace period ' between the payment due date & the closing date, & that my {$10.00} payment was late. The company did agree to waive the late charges for this month. But my minimum payment due on XX/XX/XXXX is now {$65.00}. 
I do not believe Discover has been dealing with me in good faith. First, a sneaky attempt to get me to reveal personal information to a third party that neither Discover nor the third party informed me that it was acting as an agent for Discover. Second, closing my account without informing me of the reason, resulting in my confusion & embarrassment when I attempted to use the card at a local retail store. Third, refusing to re-open my account, which was in good standing, because I chose to be careful about revealing personal information to Discover 's undisclosed agent via email. Fourth, I am paying a variable APR of 28.24 %, 20 % + over the prime rate set by the federal reserve on a credit card which I can no longer use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit report on XX/XX/2023. It has been over 45 days since I sent my inquiry but still have not received a response. I am writing to formally bring to your attention a matter of utmost importance concerning my consumer rights under the provisions of 15 U.S. Code 1681c-2. It has come to my attention that a consumer reporting agency has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. I am a victim of identity theft and have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency in question has not acted in accordance with the law to promptly delete this information from my file. This situation is not only causing me significant distress but also threatens my financial well-being. Furthermore, I would like to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, and none of those circumstances apply in my case as I never granted written consent for the inclusion of these accounts in my report. Please treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NC

Complaint narrative:
I has come to my attention, that XXXX XXXX XXXXXXXX, XXXX Bank has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I became member at an local citizens bank official.. After a year I was asked to leave the online bank citizens bank. I was remoted as individual banking client to phone banking only due to bad behavior. I received information on withdrawals and/or transactions. In XXXX, I left citizens bank official, withdrawing both my savings and money account due to poor treatment. Information regarding investigation still has not been provided. In XXXX my federal and state income taxes are still being audited as problematic due to poor handling by this bank, Citizens Bank official in local XXXX New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Disputed public record with TransUnion on XX/XX/23 and 3 days later, XXXX, I received dispute results stating its been verified. Obviously, there was no investigation done. My credit report showed the same last date reported. Violation. Per FCRA, I'm entitled to an accurate credit report. TransUnion is not reporting accurate information so therefore I want the account deleted. I have included there dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Greetings, I am including my congressional representative in my correspondence since he has been with me in this and guiding me in the process ( Rep XXXX XXXX ). 
From the beginning : I cosigned a student loan ( approx XXXX ) in XXXX for my ex wife with Navient ( XXXX ) I divorced in XXXX ( XXXX yrs ) I found out she has not been paying the loan, and it is now near XXXX ( last few yrs ) I have been barraged by calls from Navient to repay the loan. ( ongoing for the last few yrs ) I contacted Rep XXXX ' office, and they were able to get an advocate involved from Navient ( XXXX XXXX ). XX/XX/XXXX In the meantime, the loan has been moved to Navient Recovery. ( XX/XX/XXXX ) I offered to use one of the vehicles that Navient has available- " Cosigner release '' ( 12 months of payments in ordere to get released from the loan ). 
I offered to pay the 12 months + 8 months ( missed payments ) to resolve the matter on my end ( approx $ XXXX ) ( XX/XX/XXXX ) I was told that since it moved to Recovery, that was no longer an option, and that the payments had to be made by my ex-wife to be considered ... huh? ( XXXX XXXX ) She ( XXXX XXXX said I MAY Be eligible for " cosigner waiver '', but I had to go through the recovery department. ( XXXX XXXX ) Congressman XXXX office went and got AN ADVOCATE in company to avoid the run around I am experiencing. 

That is the short version. Navient has ruined my credit, and turned this into a nightmare. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 2023-09-27 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: TN

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: MA

Complaint narrative:
Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : 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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I called the Credit Management Company listed on my XXXX report that has a balance of {$1700.00}. The lender allegedly was XXXX XXXX XXXX XXXX. I spoke with the collection agency and they told me that the account was no longer with them. It is with another company XXXX XXXX XXXX which is not on my actual credit report. Credit Management Company did not have any other contact or account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: IN

Complaint narrative:
I recently checked my credit report & noticed XXXX XXXX XXXX was on there.. XXXX is a 3rd party debt collector according to the XXXX. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I'm still waiting on the response from Wells Fargo legal department please see the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please see attached file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 non-monetary relief
Consumer complaint received 2023-09-27 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: MA

Complaint narrative:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 2023-09-27 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: EdFinancial Services
State: CA

Complaint narrative:
Edfinancial ( student loan servicer ) is MISAPPLYING PAYMENTS TO MY ACCOUNT AGAIN! 

Once again, Edfinancial is ADDING INTEREST TO MY LOAN IN VIOLATON OF THE DEPARTMENT OF EDUCATION RULES AND ALSO IN VIOLATION OF THE LAWS FOR LOAN SERVICING. 

My monthly payment in the amount of {$580.00} ( under the Income-Based Repayment Plan ) is due XX/XX/2023. I paid it early and in full by XX/XX/2023 which covers interest and some principal. On XX/XX/2023, however, Edfinancial did not apply this interest in full but instead applied only some of the interest to my loan and applied most of the payment to the principal resulting in outstanding, unpaid interest in ERROR to date! 

This is exactly the type of illegal practices I dealt with when XXXX serviced my loans for 31 years. They want you to have outstanding, unpaid interest so they can capitalize your loan balance over and over and over again. Like XXXX, Edfinancial is making numerous interest errors and payment errors! 

This needs to stop NOW! 

The state AG 's office needs to get involved because this is why people are going mad! 

I called Edfinancial today and my hold time was a minimum of 485 minutes. 485 minutes!!! I opted for a call back and the automated message said it would take at least 24 hours. 

This complaint, among other complaints, have not been resolved and every day it is another GRAVE ERROR on the part of Edfinancial. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NV

Complaint narrative:
After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( 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 ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 non-monetary relief