vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX website address is www.PenFed.org I am writing to formally submit a complaint against Pentagon Federal Credit Union Please review the documents attached as I believe they are relevant to the case. My account is being reported as a charge off that should not have a balance according 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies but the attached financials show they are reporting not as a charge off but as a Recorded Investment ( 1 ) Recorded investment is defined as the unpaid principal balance, net of unamortized fees, costs, premiums, discounts, or other basis adjustments, net of charge offs, and accrued interest receivable.

For the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to all 3 credit reporting agencies. This misinformation has adversely affected my credit score, approval of credit and all together my financial standing. 2. Misuse of Federal Reserve Loans : I am concerned th
at Pentagon Federal Credit Union may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: WA

Complaint narrative:
Contacted Ed Financial 3 times. XX/XX/year> is when the request was made to receive statement records of all payments made to the student loans. The loans were transferred from XXXX and I wanted records showing Ed Financial has a record of all the payments that were made. 

I was given a service level agreement time of 26 days to process. I still have not received any communication, email or standard mail regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
Being denied credit based off what Lexis Nexis is sending to companies that differs from the XXXX credit bureaus ( XXXX XXXX XXXX ). I did not give Lexis Nexis permission to have my personal information or share my personal information with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I requested for the investigation to be more accurate and to show me th prrof of the bebt they never did I feel tierd and I am XXXX  and cant do anything more

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: LEXISNEXIS
State: MA

Complaint narrative:
I requested for the investigation to be more accurate and to show me th prrof of the bebt they never did I feel tierd and I am old and cant do anything more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed three persona saving account and XXXX business accounts on us, and refuse to give us any reason, plus they reported a " Close for Cause '' violation to XXXX XXXX which has caused us loses in opening account with other banks. I had these accounts from XXXX to XXXX, and the business account even longer. I have never over draft or done anything to deserve this treatment. Plus Wells Fargo never notified me, they just close all the accounts with no warning, no email, no message to their application on my phone, no mail, no phone call. They sent mail " ONLY '' after the accounts were closed. I called them several times and got the run around as to why they closed the accounts, was not able to get an explanation, what is worse now is a negative in the reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We certified mailed the following letter to Navient on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Navient XXXX : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Goodwill Adjustment To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to Navient resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our Navient account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXX 's security breach occurred in XXXX and lasted for weeks. I contacted Navient and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that Navient falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to XXXX, XXXX and XXXX for the aforementioned reasons. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XXXX I walked into home Depot to purchase a washer and dryer, up on speaking to an employee ( XXXX ) working in the appliance department I was offered a deal for a revolving credit card account with a soft inquiry by him. I proceeded with said offer as he is sitting behind a desk and computer asking for my information to process a revolving credit card account that he said is an soft inquiry as a credit pull. As I completed giving him my information I received notification that a hard inquiry has been made on my XXXX credit report. I was even told after the account was approved and a temporary shopping pass was issued by one of the managers ( XXXX ) for immediate use. The pass did not work the manager did not come up to check the situation leaving an employee to try and figure out what went wrong to no resolve. Over the next few days of visiting the home depot and not being able to use the product I finally find out from manager ( XXXX ) that employee XXXX has incorrectly submitted my information for a different type of account than what I was applying for. Manager ( XXXX ) told us sorry and he would have Regional Manager ( XXXX ) Who dealt with Home Depot/ Citi bank credit card issuers reach out and get the issue resolved, which to date has not happened. I ultimately had to spend hours at Home Depot and on the phone with City Bank trying to figure out who handles these kinds of issues with no one had answers. I reached out to XXXX via dispute in which this inquiry remains on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This account was opened around XX/XX/year> and closed by XX/XX/year>, after the credit card never arrived at my mailing address. I try multiple times to obtain the card but was impossible due to the delays on XXXX XXXX nationwide for the XXXX Pandemic. In other words, I never had the opportunity to use the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these debts. Midland credit management- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
This scam lasted for about XXXX months. I was looking to learn more about stocks and cryptocurrency when XXXX XXXX ads led me to a person with contact number of XXXX who intrduced himself as XXXX who is a receptionist in XXXX XXXX. Later they made me join a crypto whats app group called XXXX XXXX XXXX. Initially, I was inactive and didnt invest much. A few days later, I connected with a woman ( XXXX ) in the group who mentioned XXXX XXXX long history. Intrigued, I researched and found XXXX XXXX  website, where I saw that XXXX XXXX was the main financial representative. Finding his profile on the XXXX XXXX website and XXXX gave me more confidence, and I began investing more. Another group member, a seasoned trader named XXXX XXXX, claimed to know XXXX XXXX well. When I mentioned that I didnt have enough money to invest, XXXX sent me {$20000.00} on the trading platform ( which I later realized was part of the scam ). Unfortunately, that same day, everyone in the group suffered major trading losses, and I lost everything. Although I was devastated and ready to stop, both XXXX and XXXX encouraged me to recover my losses. Feeling pressured, especially since XXXX had given me {$20000.00}, I took out {$120000.00} loan and invested it as they suggested. They talked about a XXXX trading cycle. 

When the cycle ended, XXXX advised me to pay taxes to XXXX XXXX immediately, warning that delaying payment would result in a higher tax percentage on my tax return. I invested {$35000.00} out of the {$74000.00} I owed, and XXXX sent the rest to a crypto address provided by XXXX XXXX ( which was also part of the scam ). However, when I tried to withdraw my money, the app ( XXXX ) we were using denied my request, demanding my bank credentials, drivers license, passport, and other identity verification documents. I complied, but then they asked for XXXX XXXX of the amount I was trying to withdraw, which I couldnt afford. This raised my suspicions, and after some research, I realized the entire operation was a scam. The contact info for the XXXX XXXX app is XXXX which was provided to me by XXXX XXXX XXXX XXXX XXXX ). 
In hindsight, I believe the main reasons I was scammed were their use of a reputable company name like XXXX XXXX and the app they used, XXXX XXXX, which closely resembled the legitimate platform Coinbase. I even checked the XXXX XXXX XXXX ( XXXX ) registration and, seeing XXXX listed, felt more confident in the app.I have other related information and screenshots of the scammers profile and contact number but was unable to send it with this form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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