vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: OK

Complaint narrative:
I have submitted disputes to XXXX, Equifax, and XXXX on how my student loans have been XXXX as of XX/XX/XXXX. However, XXXX, Equifax, and XXXX are still reporting balances on my student loans to Equifax and XXXX. As of XX/XX/XXXX, balances are still showing on my Equifax and XXXX credit reports. In addition, my credit report shows a comment that the creditor ( XXXX ) has been reporting the information correctly ; however, they are still reporting balances to Equifax and XXXX. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my XXXX credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

XXXX has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: OK

Complaint narrative:
I have submitted disputes to XXXX, XXXX, and Experian on how my student loans have been XXXX as of XX/XX/XXXX. However, XXXX, XXXX, and Experian are still reporting balances on my student loans to XXXX and Experian. As of XX/XX/XXXX, balances are still showing on my XXXX and Experian credit reports. In addition, my credit report shows a comment that the creditor ( XXXX ) has been reporting the information correctly ; however, they are still reporting balances to XXXX and Experian. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my Experian credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

XXXX has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against 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 2024-05-10 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: NJ

Complaint narrative:
I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXXXXXX XXXX [ Account # 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Dear CFPB, I just looked at my credit report and I am writing to file a formal complaint against XXXX XXXX regarding their actions concerning account number XXXXThe collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to my understanding of the aforementioned regulations, XXXX XXXX has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. XXXX XXXX has not provided me with proper notification regarding the collection activities related to account numberXXXX 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. XXXX XXXX has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. XXXX XXXX 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. XXXX XXXX has failed to uphold this fundamental requirement. 

I am hereby requesting that this account is deleted from my credit report. 

Furthermore, if XXXX XXXX believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is fraud committed on my account and Bank of America has failed to return the XXXX whose is also illegally taken out of my account by the same person they allowed to walk in and take {$2500.00} on my account Bank of America did reimburse me to XXXX but not the XXXX the total claim {$3000.00}

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 monetary relief
Consumer complaint received 2024-05-10 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
With regard to actions I have taken to resolve the issue with the company, I have called and emailed the company over a week ago from today 's date XXXX. In addition, I have discovered new errors in my loan that suggest bad faith tactics at the hands of a predatory lender. Below I will clarify the issues I have contacted the company about and the new issues I have discovered in regard to my loan. 

Problems I contacted the company about on XXXX, I called and emailed : XXXX. My loan was agreed to have a FIXED interest rate of 5.69 %, but they have increased it to 5.94 %. 

XXXX. My monthly payment is currently {$220.00} because it increased from {$220.00} when it shouldn't have. 

The company 's response : They recognize the issue, but have no idea when it can be fixed. And currently I am still on tract to pay the higher monthly rate of {$220.00} New-found problems that lead me to believe this company is conducting predatory lending tactics : XXXX. My loan was supposed to be {$20000.00} at 5.69 % APR with payments made over 10 years. Now after calculating these numbers, my monthly payments from the beginning should have been {$210.00} after taking out the full {$20000.00} for school, NOT {$220.00} which they later increased further to {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NC

Complaint narrative:
i have sent them a letter to remove inquiries that don't belong to me and I've also sent the letter to XXXX and XXXXXXXX XXXXXXXX Equifax was the only credit reporting agency that didn't remove them from my report when XXXX and XXXX did with that being so Equifax has to be in confluence with the other bureaus in removing these last 3 inquiries : 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 explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been an experian member since XXXX until they introduced the digital banking which i signed up for. Been using the bank account for XXXX and XXXX transactions which also comes with digital visual debit card which can be used and accessed virtually. 

On XXXX  occasions there is always a problem using the card as recommeneded by them to link with your digital wallets such as XXXX, XXXX XXXX and XXXX  XXXX, so i tried adding to my XXXX  and the card keeps saying card number dos't exists or invalid when i have the correct and right number given on the account. So i tried to change the card whih replaces it instantly.Tried that a XXXX  times when i get that error message of invalid card number. On XX/XX/XXXX, i received an email saying my account was temporarily suspended, called them immediately becuase i was expecting a certain amount of XXXX XXXX days after, they said to me it was because i requested for too many card replacement and what i have to do is write to a particular email address explaining why i requested for lost or damanged debit card severally. I did that immediately and till now i haven't heard back. my money is stucked in my account till now, i call them almost XXXX  and they dont have an answer rather than i will get a response from the higher departmemnt soon. 
i need my money, thanks

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 2024-05-10 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:
I sent in letters to each collection company on my credit report stating my consumer rights being volitions and nothing was done its been over XXXX weeks already I sent in documentation regarding the LAWS and nothing was done. I need these accounts delete immediately! Its has caused me finical hard ship.

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 2024-05-10 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:
I sent in letters to each collection company on my credit report stating my consumer rights being volitions and nothing was done its been over XXXX weeks already I sent in documentation regarding the LAWS and nothing was done. I need these accounts delete immediately! Its has caused me finical hard ship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
For 18 years now all three credit bureaus Transunion, XXXX, XXXX credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years XXXX gave it to me in XXXX but the minute I started disputing stuff they locked me out of it again. Transunion just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. XXXX has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
For 18 years now all three credit bureaus XXXX, Equifax, XXXX credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years XXXX gave it to me in XXXX but the minute I started disputing stuff they locked me out of it again. XXXX just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. Equifax has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
XX/XX/2024, I inquired about a HELOC through my Mortgage Company, Carrington Mortgage Services. I was told that a light pull would be done for my Credit Report to see if and how much I would qualify for. I checked my credit report several days after the pull was made and I noticed that it was a hard pull that was done. I also noticed that the hard pull was done twice lowering my score tremendously. I talked to the Loan officer about the double hard pulls, he stated that he only pulled it once. I didn't debate with him I just addressed the issue and told him that he was wrong for doing it. He stated to me that I would take XXXX days for them to look over the application and they would email with an answer. 
XX/XX/2024, I received an email with the total breakdown on what I was able to receive and the closing day. 
I was told that I had approximately {$53000.00} worth of equity in my home that was available for me to use to pay off dept, home improvements etc. 
I requested a HELOC for XXXX  XXXX {$20000.00}. 
It was approved however, after all of their adding and subtracting, I was only going to receive {$6000.00}. 
I did not accept it. I was also told that it would be a total refinance. I was not requesting a refinance. I was only requesting a HELOC to upgrade my home and to pay off dept. 
I turned it down and I did not go through with it. 
XX/XX/2024, I received an email from Carrington Mortgage Services stated that my Home Equity is now at, {$74000.00}. I called in and I spoke with a Loan Officer. I asked, what would I need to do to re-apply for a HELOC.

The Loan Officer sounded like the one whom handle my application before. He was very rude, He also stated that he would need to pull my credit report again. I stated to him, " Please make sure that it's only pulled once and that it's a soft pull and not a hard pull this time.

He was very rude and said to me, " I don't need for you to keep repeating yourself to me, do you understand! '' I stated to him, that I would like to speak with a manager.

I was then just put on hold for about XXXX minutes then the call ended. 
I personally believe that Carrington Mortgage Service, has a problem with giving back money to help upgrade properties for Minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
Company refused to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CORELOGIC INC
State: VA

Complaint narrative:
You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ) According to FCRA 15 U.S. Code 1681s-2 ( 3 ), if a consumer disputes the accuracy or completeness of any data that an entity provides to a consumer reporting agency, that entity must not continue to provide that specific information to the agency without indicating that it is a point of contention with the consumer. In other words, the agency must be alerted that the particular piece of information has been challenged by the consumer and is currently under dispute. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items and gave you more than enough time as specified in the letters and you havent notated it as disputed. You have basically disregarded my written instruction, federal laws enacted by congress, and rights that I am entitled to. Not to mention more laws that you have not followed under this same section ... According to 15 U.S.C. 1681s-2 ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS - A person shall not furnish information relating to a consumer TO ANY CREDIT REPORTING AGENCY IF ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information ; and ( ii ) the information is, in fact, inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation