vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: MI

Complaint narrative:
I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with EDfinancial XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My student loans are covered under the CARES act extension in XXXX. My servicer is Great Lakes. I logged in to my XXXX account to check my XXXX Score and noticed that the score had dropped about XXXX points. There are no changes anywhere that would cause this and then I remember that my student loans and gone out and back under CARES. 

When I looked at the status, the loans show under 'deferment ' not 'administrative deferment ' which means the status indicates I requested they be placed in deferment. I did not. 

Great Lakes was sued over this once already : XXXX XXXX XXXXtrXXXX XXXX XXXX XXXX I contacted them today and asked them to modify the reporting and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I received a letter from Credit Bureau Systems , Inc. dated XX/XX/2022. It stated, " If you do not apply within 30 days of the mailing of this notice, it is our intent, to file a lawsuit and seek a judgement against you. '' The letter further goes on to state ( in bolded font ), " The above actions will not be taken sooner than thirty ( 30 ) days from the mailing of this notice. '' I however received a letter from the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX dated XX/XX/2022 stating they were notifying me that they have been instructed by Credit Bureau Systems , Inc., " to prepare a lawsuit against you regarding the attached medical bills. This action is being taken because, despite previous notices requesting payment, you have failed to make payment on the debt. '' Credit Bureau Systems , Inc. did not give me 30 days from the mailing on XX/XX/2022 to respond, apply, reach out, etc. before I received a threatening letter from a local attorney 's office. 

The Credit Bureau Systems , Inc. letter dated XX/XX/2022 only addresses ( Reverse side of letter ) legal action against a balance of {$5200.00}. Whereas the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 addresses legal action against a balance of {$7800.00}. 

I did not receive notice from Credit Bureau Systems , Inc. about the potential for interest to be accrued in their XX/XX/2022 letter, the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 has in the subject line : " {$7800.00} plus interest from XX/XX/2022. '' The topic of interest is not discussed in any further in this letter but grossly assumed. 

I also received a Settlement Discount Program letter dated XX/XX/2022 from Credit Bureau Systems , Inc., authorized to offer certain tax season settlement discounts to XXXX XXXX patients. This offer was allowed to me if I responded within 30 days from the date of notice. However, I received the " Legal Action '' letter from Credit Bureau Systems , Inc. dated XX/XX/2022, less than 30 days of the dated Settlement Discount Program offer letter. 

Furthermore, XXXX : XXXX XXXX XXXX XXXX XXXX failed to mail multiple bills to my mailing address. I did not receive or was made aware of different bills totaling at least or at minimum {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit report act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXhas 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 explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After previous dispute was closed, complaint to the CFPB # XXXX. A collection account was deleted, then allowed by Equafax to be re inserted and RE-AGED ( A serious violation to the FCRA ) as a new account : XXXX XXXX  XXXX, deleted then re inserted as ( Original Creditor XXXX XXXX XXXX ) with a new re opening date of XX/XX/XXXX. XXXX XXXX, XXXX REMOVED IT'S NAME AND JUST LEFT ( Original Creditor : XXXX XXXX XXXX ) but the collection company name has been removed. It previously had an opening date of XX/XX/XXXX, also changed the comment section, copies of credit report sections are provided. The statue of limitations have expired to collect, in the State of Texas a returned check has only a two year limitation which has expired and are illegally trying to collect as a current collection. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX OR XXXX XXXX XXXX Account # XXXX has violated my rights under 15 U.S.C. 1681 section 602 A States I have the right to privacy, 15 U.S.C. 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Citibank offered {$700.00} bonus for {$50000.00} transfer. On XX/XX/XXXX I opened a Citibank account. On XX/XX/XXXX I sent the {$50000.00} to Citibank. On XX/XX/XXXX Citibank closed my account and froze my funds. They cited that my external bank where I transfered funds from said I was not the owner. I verified with my external bank that the transaction was valid and there were no problems. They said I could show my account statement as proof.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED ( past the 6year statue of limitations for reporting student loans ) I have 6 of these accounts reporting to Transunion alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Two of the six accounts are big balance transfers ONLY being reported to Transunion .All six account status are ( Collections /Charge off ) and they are showing a balance due.

Also I have 2 new accounts that are not reporting to Transunion with is negatively affecting my credit score. ( XXXX XXXX XXXX XXXX and XXXX XXXX ). 

Inquiry Removal - XXXX XXXX  XXXX never applied for this account

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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This complaint concerns Citizens Bank of Massachusetts Account Name : XXXX XXXX, XXXX. 

On XX/XX/XXXX, XXXX wrote check # XXXX in the amount of {$10000.00} to XXXX XXXX XXXX XXXX, a company we do business with. On XXXX XX/XX/XXXX, we were notified by XXXX XXXX that they had not received payment. We confirmed that the payment had cleared our bank and funds withdrawn from our account on XX/XX/XXXX. On further investigation, we confirmed that the check had been paid, to a company named XXXX XXXX XXXX XXXX We have no business with XXXX  XXXX XXXX do not know who they are, or why they obtained our check. 

I immediately notified Citizens Bank ( at XXXX EST on XX/XX/XXXX ) by telephone of a potential fraudulent activity and/or an error and asked that they return the funds to our account immediately. I was told by phone that they would investigate and reverse the charge if confirmed. I have a copy of the canceled check that shows the depositor name is not the payee name ; it is clear that this is a Citizens Bank error, but they refuse to acknowledge it. 

On XX/XX/XXXX having heard nothing about the issue, we visited our local branch manager and were advised that the claim was still being investigated. I was promised a call back within XXXX hours by the branch manager. On XX/XX/XXXX, I called him and was told the claim was still being investigated. 

Approximately, one week later, I called the manager and demanded the funds be returned to our account. I was given contact information for a more senior regional manager, XXXX XXXX ( tel XXXX ), Citizens ' " XXXX XXXX XXXX ''. 
I immediately called XXXX XXXX and was told the matter was still being investigated, but that I would hear back from him in XXXX hours. I have heard nothing back. I left him one voice mail that he didn't return. I have since tried to call him two other times, but his voice mail box is now full and I have no where else to go. I've left two messages for the local branch manager, and he has not returned either of them. I think they are just ignoring the issue and hoping I will go away. 

At this point, as far as I'm concerned, Citizens Bank as misappropriated our money. It has been more than 3 months since I first notified them, and I've got nothing to show for it. I have attached a copy of the paid check and a copy of our initial claim notifying Citizens of the issue. 

Any help you can provide would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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.

15 U.S.C 1666B : States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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.

15 U.S.C 1666B : States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RELIANCE FIRST CAPITAL LLC
State: TN

Complaint narrative:
To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX XXXXXXXX to run my credit! XXXXXXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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

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