vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I am disputing an account that appears on my credit report under the name of XXXX XXXX XXXX, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$XXXX} High Credit : {$XXXX} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with XXXX XXXX XXXX. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with XXXX, XXXX, and Equifax on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from XXXX XXXX XXXX : On XX/XX/XXXX, I formally requested verification and documentation of the account from XXXX XXXX XXXX. 

Impact This fraudulent account has negatively affected my credit score and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request XXXX XXXX XXXX to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 am disputing an account that appears on my credit report under the name of XXXX XXXX XXXX, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$XXXX} High Credit : {$XXXX} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with XXXX XXXX XXXX. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with XXXX, Experian, and XXXX on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from XXXX XXXX XXXX : On XX/XX/XXXX, I formally requested verification and documentation of the account from XXXX XXXX XXXX. 

Impact This fraudulent account has negatively affected my XXXX XXXX and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request XXXX XXXX XXXX to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

Thank you for your attention to this matter.

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 2024-11-22 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: FL

Complaint narrative:
OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : 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 non-monetary relief
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, XXXX  : # XXXX has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 2024-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
Subject : Complaint Regarding Federal Student Loans and Misrepresentation by School Loan Information : Loan Type : Federal Direct Subsidized and Unsubsidized Loans Servicer : XXXX XXXX ( Phone : XXXX ) Outstanding Loan Balance : {$XXXX} ( Principal ) + {$XXXX} ( Interest ) Schools Attended : XXXX  XXXX XXXX  ( XXXX ) Program : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Effective Date : XX/XX/XXXX ) XXXX XXXX XXXX : XXXX  in XXXX XXXX Enrollment Status : XXXX  ( Effective Date : XX/XX/XXXX ) Details of the Complaint I am filing this complaint regarding federal student loans serviced by XXXX XXXX, which were disbursed while attending XXXX  XXXX XXXX  ( XXXX ). I believe these loans should be XXXX under the XXXX  XXXX XXXX XXXX XXXX to Repayment program due to the following issues : Program Misrepresentation : XXXX misrepresented the value of its Bachelors in Psychology program by implying that completing the degree would lead to clear employment opportunities in my field of study. Upon further investigation and experience, I discovered that the program did not provide the career preparation or support necessary to fulfill those promises. 
Disproportionate Financial Burden : Loans were disbursed for a program that I did not complete due to the misalignment between the programs cost and its real-world outcomes. My withdrawal from XXXX on XX/XX/XXXX, resulted in no tangible return on investment for the {$XXXX} loan balance now being reported. 
Inadequate Loan Counseling : During enrollment, I was not adequately informed of my financial aid options or advised on how to minimize borrowing. This lack of guidance has compounded my financial burden and left me in an untenable position of repayment without the anticipated career benefit. 

XXXX Challenges : My loans are currently in repayment status, with payments scheduled to begin on XX/XX/XXXX. Given the circumstances, I believe this debt is unjust and should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within XXXX  days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX  XXXX  ( Regulation V )

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 {$XXXX} 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 : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-22 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: HW Holding, Inc
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently requested a new debit card from my bank ( Citi Bank ) because of fraudulent transactions. I received my new debit card and shortly after receiving it I received an email notifying me that my new debit card information was collected by the XXXX XXXX XXXXXXXX XXXX. I tried contacting my bank but was unable to receive assistance after multiple attempts. I then tried to contact the XXXX XXXXXXXX but their customer service number was experiencing technical difficulties. My last resort was to file a complaint because someone has leaked my personal banking information immediately after my receiving a brand new debit card from my bank.

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 2024-11-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, I already comply all the needed detail.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently observed all three credit reports with my name, my address, and job inaccurately being reported. XXXX, Transunion, and XXXX received copied proof for my reports to be corrected by now. I sent copies of my Driver License, my Voter Registration Card, Social Security Card, and my XX/XX/year> Final Divorce Dissolution signed by Senior Judge XXXX XXXX XXXX. To this date nothing has been corrected and errors continue to be reported even though every agency has been made aware of the incorrect reporting 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 2024-11-22 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 recently observed all three credit reports with my name, my address, and job inaccurately being reported. XXXX, XXXX, and EXPERIAN received copied proof for my reports to be corrected by now. I sent copies of my Driver License, my Voter Registration Card, Social Security Card, and my XX/XX/year> Final Divorce Dissolution signed by Senior Judge XXXX XXXX XXXX. To this date nothing has been corrected and errors continue to be reported even though every agency has been made aware of the incorrect reporting 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Monday, XX/XX/year>, I changed my mobile phone provider from XXXX XXXX XXXX to XXXX. It is now XX/XX/year>, and I can not access my online banking accounts. I spoke with no less than XXXX representatives from Citibank , and they all read the same script that they can not allow me access to my accounts due to possible security issues. However, they are unwilling to provide legal documentation on how they have the authority to block my accounts for five days ( and counting ) because I chose to change phone service providers. They say they can not text me ( a process that other banks could do without an issue ). However, they can see I'm calling them from my number and will use that number to call me back. Nor will they provide an alternative to " texting '' me a one-time passcode ( also a process that other banks could do without an issue ). They are making it impossible for me to pay bills, access cash, use XXXX, etc. My other financial institutions have no problem simply verifying the information. At this point, Citibank is unduly restricting my access to my money.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I just got evicted so families and friends helping me to get a place to stay so the were sending me money throw XXXX with is linked with my TD bank checking account. So as soon as TD bank so money in my account, the debited my account for the the money that was left on closed accounts. I did not authorize them to do this, the dont have any judgement on me, the did not notify me that the will be doing this. I spoke with them on XX/XX/XXXX to have my account unlocked so they should have told me than but the didnt. 
I have contacted them and was told that a manager will calling me but no one called me. I have sent them an email as well and no one emailed me back. I can be reached at XXXX

Company response to consumer: Closed with explanation