vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: IL

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 U.S.C. 1681. 
Account Name : XXXX, Account Number Ending in XXXX Account Name : XXXX XXXX XXXX Account Number Ending in XXXX These accounts have violated my rights. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that 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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I spoke to a representative XX/XX/year> over live chat at XXXXXXXX XXXX through Navy Federal regarding being hit with an overdraft fee that transpired on my account due to transactions posting a week/days later that were made when the funds were in my account but once posted my account balance was in the negatives. 

She told me that a transaction that I made transferring money from my account to XXXXXXXX XXXX caused an overdraft on my account then money was taken from my savings account to cover the overdraft balance without my knowledge I called to speak to a representative over the phone ( I have a call recording ) XX/XX/scrub>XXXX XXXX XXXX XXXX & she stated that it was a different transaction that caused my account is be overdrawn than the transaction that the representative I spoke to earlier in the day told me which was very strange/suspicious Transactions I made a week ago just posted today XX/XX/year> along with transactions that I made days ago. I had the funds at the time when all these transactions were made yet they charged me extra fees & even refunds I was supposed to receive back to my account disappeared after it stopped pending with no trace ; the funds from the refunds were never put in my account to begin with either so they just taking my money left and right with no valid explanation as to what is going on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: UT

Complaint narrative:
According to MOHELA Loan 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 * There is a considerable disparity {$530.00} in what XXXX XXXX and MOHELA claim I owe. My actual debt confirmed by MOHELA is {$10000.00} so the amount XXXX has on their site needs to be updated to reflect present day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

{ XXXX XXXX XXXX {$16000.00} opened XX/XX/year> } { XXXX XXXX XXXX {$890.00} } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Please look into revoving this from my credit report. I have requested the required orignial contract with my name and signure to verifiy debt from this company and have not recieved anyhing back from this company. 
Please Validate [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, Fl XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Jefferson Capital LL ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, MD XXXX ] Re : Request for Removal of Debt from Credit Report Dear Jefferson Capital LL, I am writing to formally request that the collection account listed under the account number XXXX be removed from my credit report. I have reviewed the information on my credit file, and I believe that this debt has either been paid, settled, or should no longer be reported. Please find the details below regarding my request : Account Number : XXXX Original Creditor : XXXX Amount Owed : XXXX $ Date Reported to Credit Bureau ( XXXX ) : XX/XX/XXXX Current Status of Debt : - Date of Last Payment or Activity : XX/XX/XXXX last reported Dispute Process & Next Steps Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request the validation of this debt. If you do not provide sufficient proof or respond to this request within 30 days, I will consider the debt invalid and request its removal from my credit report. 

Please provide me with a written response within 30 days from the date of this letter. If the debt is validated, I request that it be updated to show that it is resolved and that any negative information be corrected or removed. 

Thank you for your time and prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-11-14 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: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: OK

Complaint narrative:
I have so much issues with this XXXX XXXX XXXX jump the XXXX to my drop add date and caused me a overpayment that won't give me clarity proper documents and now ed financial keeps telling me they don't bave the reformation paper work I'm about to file a civil rights claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank randomly closed my Amazon credit card because I supposedly submitted a " Stop payment '' on two of my payments. I did NOT submit a stop payment. My account was being paid. I used my Amazon card OFTEN for groceries and business use and I was planning on continuing to use it regularly for many years to come ( they're losing out on a lot of money... ). I was never notified of this weird clerical error until after they closed the account and the ding on my credit report showed up through my credit monitoring software. 

I did try to resolve this by first calling Synchrony and asking them to resolve THEIR MISTAKE. They wouldn't help. I contacted my bank, to ask if any stop payments had been erroneously made, and they had no record of any stop payments being made ; unfortunately, there was no way to resolve this without a transaction number or something from Synchrony. I work two jobs and don't have time to go down to the bank and go back and forth between the two companies because of a mistake SYNCHRONY made. 

Synchrony closed my account that was in good standing and completely tanked my credit score, right when I was trying to lower my cost of living by moving to a new apartment. This causing me to not be able to move to a cheaper apartment because it brought my score too low. 

Towards XXXXXXXX XXXX, I had a better financial situation, and was able to completely pay off both cards I had through them ( Care Credit and Amazon ) . It wasn't even a total of {$4000.00}. The care credit debt was from XX/XX/year> WHEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today, XX/XX/year>, I got a letter in my e-mail stating that my account had been closed for " highest ratio of balance to credit limit over the last 3 months is too high on this account '' ( again, this card was PAID OFF ). " Recent delinquency on this account '' ( I had a balance of {$17.00} that I was unaware of AFTER I had paid it off, that I paid right away when I saw it ). " The number of months since this account was opened is too low '' ( What? ) and " The percentage of times payment was greater than amount due on this account over last 12 months is too low '' ( Again... what? ) This company 's policies are predatory and they do not try to work with you to resolve issues before they arise. They made no effort to contact me before closing my accounts by phone or by mail ( and I didn't receive any e-mail notifications, even though I have it setup to do so! ) Unacceptable.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I was insured by XXXX XXXX XXXX XXXX until I was XXXX with my mothers insurance. At XXXX I got in an accident and they doctor accepted my insurance and then told me they wouldnt after receiving treatment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hard Inquiry List : 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 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

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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
Breaking the law i told them contact pso.i.currently have a account i have told them to validate with PSO and remove off my credit report immediately after this i will be taken to 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 2024-11-14 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
They said they are closing my account because I violated their policy but dont know what I violated. Nor they dont know what I violated. I had the account for about a month. Never did anything bad and when I deposited a check they thought I was violating but they couldve just declined it and said it doesnt work. Even though the check is valid. The first time I called the lady said it was because of the check I had the person that gave me the check, they had to check with them but now its my problem even though all I was doing was depositing a check I was given. I have not been given updates or anything in my account and Ive called many many times but the same thing everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my bank account was closed. When I went to the bank to ask for an explanation, I was told that they have the right to close accounts without providing a reason. Currently, I have approximately {$5000.00} locked in my account. I inquired about when I would receive my money and was told it would take approximately two weeks.. It has now been 40 days, and I still havent received my money. 

I am an international student who recently graduated, and I have not conducted any unusual transactions. I don't have any sources of income. At present, I am unable to pay for rent or buy food, and I urgently need my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-11-14 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief