vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I have recently review my consumer report and notice several accounts that were opened/changed without my knowledge or 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 non-monetary relief
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After closely reviewing my most recent credit report, I've noticed discrepancies that require immediate attention, especially concerning this particular account : XXXX XXXX XXXX XXXX. 

Ensuring the integrity of my creditworthiness is paramount to me, and I'm greatly troubled by the compromise of my credit report in this regard. I have confidence that you will address this matter with the urgency it demands and swiftly correct the situation.

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 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My credit limit on the Comenity and Victoria Secret is visible on their website. A few months ago I requested an increase. This increase request has been sitting as pending ever since, and I have gotten no response about it, which I believe is illegal. 
I called comenity today to inquire about the increase and ask for a replacement card, and was told by customer support my account was closed awhile back. However, my account is not closed, it shows as active on the Comenity/VS website account, and the account reports monthly as available credit on my credit report. I have not received any notifications of my card closing. 

Either comenity is lying to me and refusing me access to my credit, or they are lying to the credit bureaus. Both should be considered fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second notice of fraudulent accounts on my credit report. I never benefited from any of these accounts or any transaction from these accounts. Per the FCRA, these fraudulent items have to be blocked and deleted from my 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
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
XXXX XXXX company XXXX XXXX keeps running my credit and I keep having unauthorized inquiries and equifax will not remove them. I have a freeze on my report and an ftc report. Equifax sent a letter saying they verified them and they are accurate and they are inaccurate. I have sent all info and called several times to get them removed and equifax will not remove these unauthorized inquiries my credit report has been frozen since XX/XX/2022. XXXX XXXX keeps harassing me and sending unsolicited emails to esign documents when I never been in contact with them to refinance or have new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
I kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.

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 2024-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AK

Complaint narrative:
XX/XX/XXXX. 

this debt was sold to IQ data collections without a written consent from myself and was latter reported negatively to my credit report. 
no known actions were made aware to my till XX/XX/XXXX. of XXXX that such an account of debt was brought to my attention. 
when contacted with the collection agency of XX/XX/XXXX it was brought to my attention that they not only had this debt against my credit but also increased the payment due to interest on said account I had no knowledge of. 
Also when asked for a letter for credit deletion they withheld and refused to provide me with any letter and any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: Kikoff Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors : XXXX -Kickoff Lending XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C 1681 section 602 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 an account without my written instructions under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
I spoke with XXXX back in 2020 to inform them we were leaving the company I then contract bought out with another company and my roommate ran off with his so I shut down. Didnt hear anything about it until now. It flagged my credit so I requested dispute because they got merged their not a company anymore so I dont know who this collection agency is. And claiming they will damage my credit more if I dont pay and being horrible if you look below I was the XXXX number and XXXX bought my contract the XXXX was my roommate but I never heard about so I thought they dealt with him

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I took out private student loans with Navient to attend XXXX XXXXXXXX XXXX XXXX XXXX XXXX between XXXX, which later changed its name to XXXX XXXX XXXX , before closing its doors completely in XXXX. 

XXXX engaged in inflated tuition and deceptive marketing practices during my time there. I have been unable to attain a high paying job, and since graduating, my loans have doubled in value due to only being able to make interest only payments. 

In XXXX I applied to release my co signer, which is my sister. Despite having met all the criteria for release, I was denied because XXXX payment came from her account. 

Since XXXX XXXX closed its doors, I attempted to apply for the closed school discharge, but that did not apply to my private loans. In XX/XX/XXXX I applied for XXXX XXXX to repayment and was notified I would be granted relief as a full class member of XXXX XXXX XXXXXXXX on XX/XX/XXXX. 

I have contacted Navient several times to understand why I am being held liable to repay loans for a school that was found to have defrauded borrowers. 

On XX/XX/XXXX I contacted Navient about the school misconduct program that is being piloted, but I was not been given much detail. 

I think this is a violation of my consumer rights and I believe my Navient private loans should be in an administrative forbearance while I wait for the school misconduct application to be made available to the broader population.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Reporting Services LLC
State: IL

Complaint narrative:
XXXX I do not recognize who this is. but my credit was inquired from this place of business twice in 2023. There are XXXX reports from this company I would like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
In XXXX, I cancelled cable service from XXXX XXXX due to moving to an area where the service is not available. I requested my final bill and returned their equipment. I paid my final bill and it cleared on XX/XX/XXXX. The company confirmed they received this. XXXX then billed me once more afterwards and I contacted them about this account being closed and paid. They agreed to me on the phone, but sold the erroneous bill to a collection agency. I contacted all XXXX credit bureaus and the collection agency as well as XXXX about this. The dates reported are incorrect since this was XXXX, reported as XXXX. I provided proof of payment repeatedly in disputes to the credit bureaus to only be denied updates. The collection agency told me they would investigate and give me information, they never did. XXXX told me theyd investigate and provide me with payment and billing evidence, they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

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
Consumer complaint received 2024-04-03 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: TX

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: VIAMERICAS CORPORATION
State: PA

Complaint narrative:
Hi I initiated a money transfer with XXXX on XX/XX/XXXX. When I initiated website showed it will be credited to my account in XXXX on XXXX XXXX after the completion of the transaction, it said it would take 6 days. so I immediately sent a cancelation request, next day on XXXX XXXX I saw a withdrawal from XXXX. 

After series of email exchanges, they said money will be refunded after 7 days, and sometimes XXXX business days which is supposed to be XXXX XXXX. 

No one wants to own the problem and resolve and they have taken the money against my approval TX ID for ref : XXXX They entice people initiate transfer stating 2 days and everything changes on completion of transaction. 

I'm attaching a sample clip where it always shows money delivered in 1 day

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

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 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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-03 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: CO

Complaint narrative:
My student loan servicer is Edfinancial. On XX/XX/2023 or 358 Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest it ; s accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans. Recently i found out that Edfinancial took that money and put it on Loan 4. I never asked or consented for that money to be placed on Loan 4. I literally call Edfinancial on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial is a complete nightmare to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
Nothing happen and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX pm, I, XXXX XXXX XXXX, XXXX secured private creditor under UCC file XXXX XXXX, went to Bank of America at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX I had an appoint to open up a non-interest bearing account, which I had disclosed to them when I had arrived. After a few questions and other informational matters, XXXX XXXX XXXX, relationship banker, asked me for my Social Security Charter Vessel. I disclosed to XXXX XXXX that I had legally terminated my S.S. charter vessel in accordance with XXXX XXXX XXXX. XXXX XXXX then stepped outside. After a few minutes she came back with the XXXX, XXXX XXXX XXXX. He merely said that they needed my S.S. Vessel to open an account. I informed them that the bank could not be held legally responsible by anyone for failing to obtain a SS vessel from me pursuant to 31 CFR 103.34 ( a ) ( 1 ) and I informed them that under the Internal Revenue Code Section 6041, that they were not even required to provide any taxpayer identification numbers on the Form 1099 that they file with the IRS at the end of the year, and I informed them that pursuant to 26 CFR 301.6109-1 ( c ) that they were under no legal obligation to obtain a SS vessel from me, and I informed them that 42 USC 408 makes it a FELONY to use threat, duress, or coercion to try to force a person by fear or deceit to provide his SSN in an unlawful manner. I asked for a reason as to why they required a S.S. Charter vessel if according to 46 U.S. Code section 57308, the SS Vessel is to be terminated at the age of 25 and is to no longer be used in commercial. However, neither one of them were able answer my question. Not only that, but they defrauded me as a secured private creditor in pursuant of 25 CFR 11.423 by encumbering with property subject to a security interest of mine, with purpose to hinder that interest. In addition to defrauding me, they deprived me of a right/privilege pursuant to Title 18 section 242. In the end, ignorance of the law excuses no one - 16 Am Jur 2d sub-section 178.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief