vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these ITEMS in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-06 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-04-06 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: NY

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 2024-04-06 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: PA

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 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 2024-04-06 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2024-04-06 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: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the items several times and each investigation has not fixed the errors.

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 2024-04-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I applied for a home equity loan with Sofi and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my XXXX XXXX is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the XXXX credit report and XXXX says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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:
There are a few accounts on my credit profile that are 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 2024-04-06 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: VA

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 2024-04-06 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: Figure Technologies, Inc
State: TN

Complaint narrative:
I applied for a home equity loan with XXXX and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my credit score is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the XXXX credit report and XXXX says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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 federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 361  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 Services 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 its 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 Services 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 Services 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 Services 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 Services is a complete nightmare to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: IL

Complaint narrative:
I am not reliable for this debt XXXX XXXX XXXX, I do not have a contact with Summit AR, They did not provide me with the original contract as I requested a debt validation not a hear say letter from a fraudulent company. XXXX XXXX XXXX is not a real company in the state of Illinois Secretary Of State website no business by this name can be found under this alleged company claiming I owe them money. When I found out XXXX XXXX is not a real business all equipment was return back to them and I have my postal receipt included in this complaint. Summit AR is not licensed or bonded to collect on a debt in the state of Illinois. I ask that they cease all communication via phone & postal mail because their doing the same fraudulent activity as XXXX security services knowing their not licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: VA

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 2024-04-06 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: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the items and it was not fixed.

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 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: DE

Complaint narrative:
I have two separate fraudulent transactions that were obtained through my money lion account. Which is connected to my XXXX XXXX XXXX XXXX XXXX. I received a text from money lion stating my account was locked. Once I clicked the link, I than received debit card alerts for {$480.00} and another for {$770.00}. I didn't authorize either transaction. And both are pending through my credit union interfering with my rent payment that I submitted through billpay. It also shows that the card uses ended with XXXX. Money lion gave me a ticket number of XXXX. But did not provide any further information of a timeline or the exact process to return my money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is inaccurate information on my credit report. I disputed the items and it was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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 explanation
Consumer complaint received 2024-04-06 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: TN

Complaint narrative:
I applied for a home equity loan with XXXX and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my credit score is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the Experian credit report and Experian says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over two years.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the privacy notices and opt-out statements provided by XXXX XXXX , as a data furnisher to Experian. It has come to my attention that XXXX XXXX may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually in writing, as mandated by federal laws and regulations. 

As per regulatory requirements, financial institutions such as XXXX XXXX are obligated to provide privacy policy notices to customers initially and annually in writing. These notices must detail the institution 's policies regarding the collection, sharing, and protection of customers ' non-public personal information ( NPI ). Additionally, customers must be provided with clear instructions on how to opt out of certain information-sharing practices. 

It appears that XXXX XXXX may not be fully complying with these rules, which are designed to protect consumers ' privacy rights. Specifically, I have not received privacy policy notices in writing from XXXX XXXX as required, nor have I been provided with an opportunity to opt out of certain information-sharing practices. 

According to federal regulations, XXXX includes any information collected from customers in the course of applying for financial products or services, as well as information obtained from transactions involving financial products or services. Therefore, if XXXX XXXX collects sensitive information such as name, address, Social Security number, or other personal details from customers, they are required to provide annual privacy notices in writing for the duration of the customer relationship. 

I demand that Experian investigate this matter thoroughly and take appropriate action to ensure compliance with federal regulations regarding the privacy of consumer financial information. Specifically, I request that Experian hold XXXX XXXX accountable for any violations and require them to provide me with the necessary privacy policy notices and opt-out statements as mandated by law. 

Furthermore, I urge Experian to implement measures to prevent similar violations from occurring in the future and to ensure that all data furnishers adhere to their obligations under federal laws and regulations. 

Please provide me with a written response detailing the steps Experian will take to address this dispute and ensure compliance with privacy regulations. Your prompt attention to this matter is greatly appreciated.

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