vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Violation of 15 U.S. Code 1681s1 ( 2 ) - antedates the report by XXXX years or less. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Dear EQUIFAX DISPUTE DEPARTMENT XXXX I am writing to formally dispute the information regarding the ACCOUNT NAME : XXXX XXXX XXXX  ( Account Number : XXXX ) that is currently being reported on my credit file. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX, and it antedates the report by more than 7 years, constituting a violation of 15 U.S. Code 1681s1 ( 2 ). 
Equifax has violated my rights by reporting this child support for over the 7 years reporting period. XXXX XXXX XXXX has been reporting since XXXX Equifax is prohibited in reporting past XXXX  years which would have been in XX/XX/XXXX. Equifax intentionally and willfully violated my FCRA rights by allowing this account to continue to report past statues of limitations and past the date of first delinquency. There is no FCRA law that states a paid judgement, lien, or child support must report for XXXX years. I have exhausted my remedies with disputing this account and I seek civil liability for reporting past statute of limitations. This account remaining on my consumer report has cause financial hardships such as higher interest rate, purchasing a home, denied personal loans and denied an auto loan. I will use this CFPB complaint as evidence that Equifax continues to violate consumer 's FCRA rights. XXXX, XXXX, and Equifax have court cases about reporting judgements, lien, child support, and tax liens. Equifax continues to give me an automated response XXXX and properly investigate consumer 's complaint. Furnisher gives a returned automated response instead of investigating consumer 's complaint. Equifax must give consumer 's dispute with all attached documents to the furnisher. However, Equifax 's does not do this but instead reduce the consumer complaint to a single XXXX code dispute. FCRA clearly states that the CRA and Furnisher to investigate consumer 's complaint. Remove this account Immediately from my consumer report. 

Furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX States reporting information to the credit reporting agencies must also comply with the federal Fair Credit Reporting Act, which imposes certain responsibilities on those furnishing data to the agencies and provides specific rights to individuals whose data is reported. These requirements ensure the accuracy and integrity of the data on child support delinquencies that is included in credit reporting. 

I have attached Government issued Driver License and current utility bill. 
I have attached evidence the Equifax and their customer ( furnisher ) continue to violate my consumer FCRA rights : attached other CFPB complaints, XXXX Notice, and etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently purchased a new XXXX XXXX from a car dealership in XXXX XXXX ( I do not need to name the dealership as they are not the subject of my complaint ). My wife and I were pre-approved for a car loan through Truist Financial. The car was purchased and final docs were signed on XX/XX/2024. The following day, I received a call from the car dealership and was told that Truist was requesting a copy of my wife 's green card. I am a XXXX citizen and my wife is a legal permanent XXXX Resident with a valid green card. I am also a veteran of the XXXX XXXX. We immediately sent the green card document to the car dealership to forward to Truist. On XX/XX/2024 I received another car from the car dealership informing me that Truist was retroactively canceling my auto loan deal due to my wife 's residency status. This is absolutely outrageous, and clearly discriminatory. The dealer arranged alternate financing through a different lender, but I want to document the racist business practices that Truist exhibited during the past week of dealing with them.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally complain regarding unauthorized credit inquiries and identity theft that have severely impacted my credit report and financial standing. 

Unauthorized Credit Inquiries : On obtaining a copy of my credit report, I observed an unauthorized credit inquiries 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  I did not consent to this inquiry nor authorize any entity to access my credit report for this purpose. These inquiries are incorrect, unverified, and unauthorized. They are negatively impacting my credit score and loan applications. 

I request that this inquiry be investigated and removed from my credit report immediately, as it does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I have been a victim of identity theft resulting from a data breach compromising my Social Security number. To address this, I have filed an FTC Report, a copy of which is enclosed with this correspondence. Under 15 USC 1681c-2 ( a ), you are required to block and remove all information associated with this identity theft from my credit report within four business days of receiving this complaint. 

Details of Unauthorized Accounts : 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  These accounts have been reported without my written consent, violating 15 U.S. Code 1681b. As such, they must be immediately removed from my credit report. 

Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S.C. 1681i ( 7 ) - Method of verification Violation under 15 USC 1681a ( 4 ) - Right to privacy Violation under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I demand immediate action to block and remove these fraudulent accounts and inquiries from my credit report. Should you find any authorization that was supposedly obtained for these inquiries, please provide such documentation promptly. Failure to comply will result in me seeking monetary damages through small claims court. This complaint has been shared with the Attorney General 's Office, the XXXX XXXX XXXX  and the Federal Trade Commission. 

Please acknowledge receipt of this complaint and provide a timeline for its resolution. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I have not completed my education, I am still enrolled and taking classes. The last class I took was finished in XXXX. To my knowledge and understanding of the law, student loan servicers are not permitted to request payments or charge interest on payments until XXXX months after the student has been out of classes. However, I am continuing to be harassed by nelnet claiming I owe money. I have spent over XXXX hours of personal time attempting to contact them and I have yet to speak to a human on the phone. I have sent multiple emails and submitted multiple deferment requests, all of which are being ignored. Meanwhile they continue to charge me, email me and call me with automated messages telling me I owe them increasing amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - 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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I opened a new credit card with synchrony Bank, prime card in XX/XX/year>. The first payment was due XX/XX/XXXX. I made a payment from my XXXX XXXX XXXX account. Several days later I got a call saying my payment didn't go through. I immediately called synchrony and again tried to pay over the phone ( thinking perhaps I got the wrong routing number or account number ). I verified both numbers and provided the correct information again. I thought that was it. A few days later my prime synchrony card stopped working. I called synchrony and they told me it was because I had not paid my bill. Again. A. Second time the payment had been rejected. I called my XXXX XXXX  and verified the information and also noted that there were more than sufficient funds to pay the bill. 
XXXX couldn't find an issue on their end. 
Again I called back synchrony and tried to pay with a different checking account for a different bank ( using a checking debit card ). They said they couldn't process the debit card. It was decline. I called my other bank. I verified funds and they reported that the debit card should work. I called back synchrony and gave them the debit card number again. They said they could not process the payment. 
I have no late payment history and they will likely report this to the credit. 
I am livid. I have never had this much of an issue paying a bill and I have opted to write them a check and mail it to them.

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 2024-06-14 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: FL

Complaint narrative:
After reviewing my credit report I found some fraudulent activity being continuously reported on it ( See attached identity theft reports ) which are limiting my possibilities to get credit from financial institutions. 
In my Experian credit report different versions of my name have been reported several times. Please correct my name in the credit report as it appears in the attached identification documents : XXXX XXXX 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 2024-06-14 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: OK

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
ChexSystems Inc. furnished a response to 15 USC 1681s-2 FTC Affidavit in violation of FCRA rules and regulations regarding FTC Fraud and Identity Theft reports of victims. ( SEE ATTACHED ). In response to a fraud affidavit and supporting documentation, ChexSystems Inc. uploaded 4 documents for a total of 17 pages, ChexSystems outlines 9 bullet-points with 5 being grossly erroneous and negligent, and in direct violation of the FCRA and CFPBs laws governing reports of victims of Identity Theft. ChexSystems has engaged in a pattern of deceptive and harmful practices, including : Manipulation of Data : ChexSystems manipulated inaccurate information ( name and address ) within a fraudulent account, instead of deleting the fraudulent account entirely. This is a severe allegation, suggesting potential fraud and deception by ChexSystems.

False Denials of Communication : ChexSystems falsely claimed not to have received prior communication regarding the dispute, contradicting the consumer 's evidence of previous contact. 
Incorrect Interpretation of Identity Theft Report Requirements : ChexSystems allegedly requested a law enforcement signature on the identity theft report, which is not a requirement under Regulation V. The statement argues that the FTC Identity Theft Affidavit should suffice.

Unauthorized Communication with Financial Institutions : ChexSystems is exceeding their authority by communicating with financial institutions on the consumer 's behalf without consent, and in direct violation of Consumer Financial Protection Laws. ChexSystems is in violation of The Privacy Act of 1974 ( 5 U.S. Code 552a ), and ChexSystems violates the Gramm-Leach-Bliley Act. 
Mischaracterization of Dispute as Accuracy Issue : ChexSystems appears to have treated the fraud claim as a simple accuracy dispute, rather than an identity theft issue, intentionally delaying resolution.

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 2024-06-14 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: FL

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX in XXXX. I entered the school without my GED at the time and was enrolled right on the first visit, taking out federal and private loans. ( Received my GED after 1 week of school ) I was lied to about transferring credits to a university in XXXX. I had to complete my 2 years and then had to start as a freshman in the university in XXXX. Upon graduation, my parents paid off 2 of the private loans, because of the the interest rate at 13 %?! I have one private loan I am still paying on from the XXXX XXXX. I have currently made payment sum of {$31000.00}. on a loan principle at {$20000.00}. Total Fees at XXXX. Total Interest accrued {$11000.00}. My federal loans were all discharged from borrowers defense case from school misconduct. I firmly believe that my case should be automatically approved for school misconduct discharge. I did not receive any information from Navient about the discharge or application. I stumbled across the information from XXXX, considering reconsolidating the loan. I have downloaded the application and emailed it. Please review it. I have attached email transcript between the school XXXX concerning credit transfer denial due to accreditation, school transcript of entering as a freshman and having to take out more loans to complete 4 year program instead of XXXX with my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-14 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridgecrest Acceptance Corporation refuses to remove the trade line connected to the consumer report after confirming that the account has been discharged via 1099c. In addition they have no right to enforce as the contract for the account itself was assigned, meaning that Bridgecrest never had legal standing to pursue any debt collection or repossession of property. They also never perfected any alleged security interest by way of lien nor were they the original lien holder of the transaction. Please note this organization was just recently sued and lost due to these exact complications of the transaction they claim to have rights over. In addition the XXXX terminal has revealed that the Note for the XXXX XXXX XXXX  was securized and traded on the secondary market where Bridgecrest directly made more on the Note than the alleged obligation consists of. By way of laws of equity and as equitable owner I'm entitled to the proceeds received by Bridgecrest at a rate of XX/XX/XXXX in addition to compensation for the violations committed by Bridgecrest in the actions taken to enforce a contract they had no actual legal right or ownership over.

Company response to consumer: Closed with explanation