vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : OFFICE OF THE ATTY GENER-OAG 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: DC

Complaint narrative:
Many attempts to contact via phone and chat to no avail. The chat feature is simply never available and the phone lines are always busy. I was able to contact studentaid.gov customer support and they informed me that it is the responsibility of Ed Financial to finish the last steps of my application. I submitted my application XX/XX/ and it is now XX/XX/. It has been two months and I know it can be a downward trend from here since it is very possible that Ed Financial may not even be aware of my application for an unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: PA

Complaint narrative:
I am Not liable for these accounts listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.

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 2023-10-02 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 Not liable for these accounts listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: HI

Complaint narrative:
Edfinancial consistently reports my loan balance being {$20000.00} higher to the credit bueau than what is reflected on its website. My balance has been $ XXXX since the end of XX/XX/2022, however, for the last several months they continue to report my balance as $ XXXX + $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Company sent me a copy of the lease, The signature is no my signature, they use a passport That passports was missing, I tried to talked with apartment but they doesnt exist anymore I going to report this with police department The company professional debt mediation Said they cant provide information about who hired them They messed my credit up I really need a clean credit to buy a home I dont know what I can do about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
My identity was compromised and someone tried to apply for credit under my name on XX/XX/2023 from a company called 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 2023-10-02 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: AZ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: AZ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
I sent an email to Comerica Bank or Direct Express on Sunday, XX/XX/2023, which was three days after the investigation into my claim dated XX/XX/2023 had started, requesting to receive a provisional credit in the amount of {$550.00}. When I sent the email, I had not yet received their letter dated XX/XX/2023 nor the letter 's enclosed Questionnaire of Fraud form. 
Comerica Bank or Direct Express never issued me provisional credit in the amount of {$550.00} as they said they would in their letter dated XX/XX/2023, which I finally received on Saturday, XX/XX/2023, which stated the following : " If the completed Questionnaire of Fraud or a letter outlining your claim details is received within 10 business days from XX/XX/2023, and the investigation is not complete, a provisional credit will be issued to your card account by that date ''. 
In opening my claim over the telephone on XX/XX/2023, Comerica Bank or Direct Express refused to review or go over or to provide all of the transactions posted to my account after the deposit of my 2023 XXXX monthly benefit amount NOR gave me the amount of my claim, so I didn't, and I still don't know, whatall transactions were among those Comerica Bank or XXXXirect Express decided to dispute as unauthorized and to include in my claim in the amount of {$550.00}. 
Despite my having sent an email to them requesting provisional credit initially on Sunday, XX/XX/2023 ( which is attached ), I went ahead and resubmitted my second request for provisional credit by completing and faxing the Questionnaire of Fraud to Comerica Bank or Direct Express on Sunday, XX/XX/2023, as their letter dated XX/XX/2023 instructed to be done within 10 business days. However, no provisional credit was ever received or credited to my account. 
I received another letter from them the very next day after faxing back their completed Questionnaire of Fraud form on Monday, XX/XX/2023, which was dated XX/XX/2023 - just 4 days into the start of their investigation into my claim, saying my claim was denied without citing any evidence contrary to what I had claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2023-10-02 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: HI

Complaint narrative:
I was previously on the Revised Pay as You Earn Plan ( " RPAYE '' ) with my prior loan servicer, XXXX. This was set at a monthly payment amount of {$240.00}. 

Biden 's administration announced that with repayments starting, individuals had the option to go on the new Saving a Valuable Education ( " SAVE '' ) plan, which would immediately reduce you monthly payments by nearly half. Those who were already enrolled in RPAYE needed to take no action, as they would automatically be enrolled in SAVE with their payments amounts updated automatically. 

I've attached proof that I was previously on the RPAYE plan with XXXX with the payment amount set at {$240.00}. 

Now that EdFinancial handles my loan, they've sent me statements indicating my payment amount has not changed ( still at {$240.00} ) and also, that I am on an IDR plan. Their website indicates that I'm on the SAVE plan with a {$0.00} payment amount. ( Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: AP

Complaint narrative:
My student loans with Sallie Mae have 2 fixed interest rates at 11.750 % and one variable rate that has now reached 14.875 %. I am currently in school trying to avoid the $ XXXX monthly repayment because I can not afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
This hard inquiry is fraudulent I didnt authorize it XXXX XXXX XXXX XXXXXX/XX/2023 please delete it from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i have disputed information many times for removal, my request was to provide all statements with charges and balance information for XXXX thru XXXX due to being held in a XXXX XXXX XXXX XXXX my agreament was with XXXX XXXXXXXX not LVNV FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
On XXXX XXXX my Equifax credit score was a XXXX. On XX/XX/2023 my XXXX XXXX XXXX card was reported to Equifax with a {$30.00} balance. Equifax dropped my score XXXX points which is absurd and has resulted in me getting denials, not to mention hard inquiries for their mistake. I have good credit and there is NO WAY my score should've dropped XXXX points. No way!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flexible Finance, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I made two separate payments that totaled {$790.00}. I have sent multiple emails and complaints via CFPB as well as three bureaus about the matter. Flexible XXXX has been reporting incorrect information and failed to remove this information from my credit. According to the FCRA, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. I have attached relevant information of proof to verify my testament. They may view the incorrect information found on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I took a 0 interest balance transfer and during the time I opened the balance transfer I made a purchase of {$6.00}. I began noticing a XXXX cent interest charge each month. On XXXX XX/XX/2023 I called Citi XXXX to find out why I was being charged interest on a 0 % balance transfer. The associate I spoke with was nearly impossible to understand. His accent was so strong. This associate told me the purchase I made was accruing interest and I would have to pay the balance of the balance transfer before Citi would apply payments to the {$6.00} purchase I made. I told the associate that I had been paying {$600.00} per month when my minimum payment is only {$110.00}. I demanded him to pay the {$6.00} balance first. He said he couldn't. I requested a supervisor. I was able to have the supervisor pay the {$6.00} and return the interest charged. I checked online with the regulations in the Federal Register regarding interest and payments. I found in Section 1026 that banks must pay any overage to the interest accruing balances first. I decided to file a complaint. If Citibank is doing this to me they have to be doing it to others.

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 2023-10-02 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: CT

Complaint narrative:
I AM WRITING TO DISPUTE THE ACCURACY OF INFORMATION IN MY CREDIT REPORT. I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN AND DISCOVERED THAT THERE ARE ADDRESSES LISTED THAT DO NOT BELONG TO ME. I HAVE ATTACHED A COPY OF MY CREDIT REPORT WITH THE INCORRECT ADDRESSES REFERENCE. ALSO, I NOTICED THAT SOME ELES NAME IS ON MY REPORT. WHICH MAKE MY REPORT INACCURACT. 

( ADDRESS ) NAME : ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ) I WANT TO EMPHASIZE THAT I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES NOR HAVE I HAD ANY ASSOCIATION WITH THEM. THIS INCORRECT INFORMATION COULD POTENTIALLY AFFECT MY CREDITWORTHINESS AND FINANCIAL STANDING, AND I AM CONCERNED ABOUT THE POTENTIAL NEGATIVE IMPACT IT MAY HAVE ON MY ABILITY TO ACCESS CREDIT OR SECURE LOANS IN THE FUTURE.

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