vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
This is the information I sent on XX/XX/XXXX to EdFinancial : On XX/XX/XXXX I made a payment in the amount of {$18000.00} from my bank account. My intention was to pay off my oldest loans.

Someone at EdFinancial applied it as three separate amounts : ( {$570.00}, {$14000.00}, and {$3400.00} ). Of much greater concern, they backdated the payments as though they had been made on XX/XX/XXXX. And even MORE concerning, they entered these payments as \ '' Paid By Discharge And/Or write-off.\ '' This looks like fraud to me. '' Right around the time I made this payment, EdFinancial emailed me to let me know I was entitled to partial forgiveness of my loans as I had been on an income driven repayment plan for many years. I have never received any of these funds. AND before I saw that email, I paid the balance of my loans off to avoid paying interest ( the interest rate had increased substantially since XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: LA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts have collectively and individually violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 602 ( a ) states I have the right to privacy.

15 USC 1681 604 ( a ) sec. 2 states a consumer credit reporting agency can not furnish an account without written instructions submitted by the consumer.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: OH

Complaint narrative:
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V states that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete, and this has not taken place. I have repeatedly tried to contact credit bureaus and resolve this issue and have been unsuccessful. I will include a copy of my police report and XXXX report with these complaint as advised to do so by credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to know if I am eligible for compensation due to the recent Wells Cargo identity theft lawsuit settlement.

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 2024-06-12 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used a city furniture/ synchrony card for a purchase a year ago ; when signing up for the card, they did not disclose that the amount financed had to be fully paid in 12 months. As per Synchrony Bank, that was a promotion period of 12 months. I have been paying more than the minimum payments for the card since last year. I financed {$4600.00}, paid for 12 months bringing it down to {$3200.00}, now effective XXXX XX/XX/year>, synchrony bank without giving me any notice added {$1500.00} to my balance of {$3200.00}, bringing the total back to {$4600.00}, so technically I have not only paid {$1400.00} but now with the new balance of {$4600.00}, I have to pay {$4600.00} on top of {$1400.00} that's being already paid. That is extremely unfair, and Synchrony Bank is thugs cheating law-abiding citizens of the US and this treatment of them is racially motivated against me. Please help me.

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 2024-06-12 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:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to 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 2024-06-12 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: DISCOVER BANK
State: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604a section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.under 15 uscs 1666b a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Ulta Beauty credit card charged me a {$30.00} late fee. Its the first time that Im late. I called and advised them that they can only charge me {$8.00} as I called the CRPB and federal law now restricts over charging late fees. The representative told me that Ulta is exempt from that law and they dont have to lower their late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I filed XXXX separate claims for fraudulent charges on my checking account. I explained to them that I need the credit and filed XXXX separate escalation requests. I have several bills I am behind. I had to take a payday loan out to pay my rent and explained to the bank that the institution I Cash my checks with is who gave me the loan and I can not do business with them until the loan is paid. I cash my checks there to build and show proof of income as they are the only people who will give me a loan. They refused to give me the credit. Told me I have to wait XXXX days and allowed the institution to overdraw my account. Im now negative XXXX in my account and called the bank and explained to them that I dont have money for food or anything now and they refused to escalate the claim or issue me a temporary credit. Ive been with this bank for XXXX years and the fact that they are willing to let me starve while they investigate XXXX separate claims of fraud that they let happen is disgusting. Ive called XXXX times in XXXX hours and constantly get a different answer from everybody. Ive had to get XXXX different debit cards in XXXX days because they block or hold my account for every transaction. Theyve made me habitually late to work and now Im going to get fired for not having a way to be transported back and forth to work because they refuse to give me the credits and took what little money I had left to pay the loan. And left me negative money. Ive never been more disgusted in my entire life. I havent had anything to eat in XXXX hours and they expect me wait XXXX  days for a credit to be issued. I told them my phone was going to be turned off and a XXXX told me to use a pay phone. Are you kidding me? A associate and supervisor I spoke to XXXX when I asked to speak to his manager told me he didnt have one, was rude, dismissive and disrespectful the entire time and habitually lied to me and gave me wrong information because he didnt want to deal with me. Put me on hold everytime he felt like he didnt want to hear me and completely disregarded the fact that this bank is willing to let me starve than escalate my temp credit. Ive never been more disgusted my entire life.

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 2024-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have not had an account with XXXX XXXX for a few years, but my husband does still have an account. I suddenly received a notice from a debt collection agency, Jefferson Capital Systems, saying that XXXX turned over a debt of {$3900.00}. 
We have never had debt with XXXX or any other company that was unpaid. We still have accounts with XXXX, in good standing. 
I believe this is fraud. XXXX has no record of any debt. I would appreciate assistance in having this company cease and desist, I believe it to be unscrupulous. And harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Nelnet, Inc.
State: OH

Complaint narrative:
I have reached out to this company several times in attempt to get information on an accounts thats being reported on my credit profile that I have no knowledge of. This is not my debt and XXXX being held responsible for it. This company has failed to provide me with any information or proof of ownership of the said account. I would like this item removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: OH

Complaint narrative:
I still have numerus unauthorized inquires on my TransUnion report. 

I did not authorize these inquires below that are reporting on my TransUnion credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, 2024... Please delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX  on XXXX XXXX, 2024..Please delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX, XXXXPlease delete this inquiry XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX  I did not authorize the inquires Please advise Please remove these accounts. I did not authorize the inquires Please advise

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 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
synchrony bank/lowes ( SYNCB/LOWES ) is illegally reporting late payments consistantey to the credit bureaus till this day on a closed/charge off account which is consistantley lowering my credit score with al three bureaus that I have complained about directly to them. The account was first fraudently closed with out my permission and had an available balance of {$7000.00} that I never got to use that I also received a inquiry on, and never got to use and WITHOUT MY PERMISSION WHICH IS FRUSTRATING IN ITSELF, and it only had a balance of {$850.00} and I'm still getting late payments reported till this day! 
The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES. 15 USC 1681s-2 ( B ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I am not asking for verification or validation of this account. the only response to this letter is the Deletion of the inaccurate information being furnished. Delete the following account from all three of my consumer reports : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each infraction

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 2024-06-12 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : 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 2024-06-12 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief