vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2023-11-24 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: TX

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediately. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXXXXXX Reported balance {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: IL

Complaint narrative:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: NY

Complaint narrative:
I filed an identity theft report with the ftc ( XXXX ) about XXXX card - XXXX XXXX illegally sharing my private personal information in violation of my rights and equifax didn't promptly remove the account as required by law. I plan to file complaint with various oversight agencies and them file a lawsuit in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Right after pre approval I received electronic communication from One main requesting bank and personal information I entered this information then I received multiple calls from loan companies representing themselves as One main offering me different loan products. After receiving these calls I called One main and was advised that I qualify for XXXX as an unsecured loan and would need to use my vehicle to qualify for the XXXX secured personal loan. I referred the gentleman to the ad where I choose the unsecured product. After giving the matter some thought I decided to accept the XXXX unsecured loan. I called the XXXX branch today spoke to a representative as well as the main number spoke to XXXX both advised me that i was not approved for either loan. I called the inquiry dispute department and was advised to send them a request to remove the inquiry letter which I did. I would like to lodge a complaint against One main for false and misleading advertisement and the damage done to my credit report. as well a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
I want to file this complaint with EXPERIAN. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. I have also attached the FTC report with the report 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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new checking account on fifth third banks website and I still have not received the {$350.00} promotional bonus advertised for opening a new account. The promotional code XXXX was successfully applied when I opened this account and I have had {$500.00} direct deposited into my account from my job. I have met all requirements for this bonus and yet I am being told by customer service the code was not applied. I did everything required to receive this bonus, please correct this asap. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-24 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: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Transunion, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Transunion. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Transunion. 

Enclosed herewith is a copy of the most recent correspondence I received from Transunion, dated XX/XX/2023. Contrary to their representation, Transunion has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal. 

Transunion 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer. 

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Transunion 's failure to take corrective action is unacceptable. 

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Transunion 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record. 

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Company in question is Transunion. For the last few months, it appears my credit report is in " transition '' and for what reason I am not sure. I did place a freeze on my credit report about a year ago and now want it lifted so that I can apply for a new loan. The company I applied with requires reports from all three bureaus, not just one. 

On XXXX XXXX, I contacted Transunion seven times by phone and spoke with various people to access my report and lift the freeze. I was transferred from one department to another and told to call different numbers but to no avail. I have attached a communication from them regarding my file, but it is the same letter I received months ago and still no action. 

Transunion uses a somewhat complicated phone system to access their site and, at best, is repetitvie with no clear instructions as how to solve problems one may have with them.

I can't believe Transunion can not locate my file and respectfully request your intervention in the matter. Thank you for your valued assistance.

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 2023-11-24 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: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Experian, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Experian. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Experian. 

Enclosed herewith is a copy of the most recent correspondence I received from Experian, dated XX/XX/2023. Contrary to their representation, Experian has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal.

Experian 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer.

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Experian 's failure to take corrective action is unacceptable.

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Experian 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record.

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.

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 2023-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I am writing to file a formal complaint against Freedom Debt Relief, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Since beginning my payments in the summer of XXXX, I have encountered significant discrepancies in the management of my account. 

The financial details of my interactions with Freedom Debt Relief are as follows : Total Deposits : {$72000.00} Current Account Balance : {$16000.00} Expected Allocation for Debts and Fees : {$44000.00} However, the settlements reached to date total only {$17000.00}, detailed as follows : {$6400.00} settlement for XXXXXXXX XXXX 
{$7900.00} settlement for XXXX XXXX. 
{$2700.00} settlement for XXXX. 
This situation has resulted in an unexplained discrepancy of {$27000.00}. My attempts to have Freedom Debt Relief address this issue have been unsuccessful. Additionally, they have recently locked me out of my account by resetting my password, preventing me from accessing detailed statements to provide as evidence.

This lack of transparency and denial of account access raises severe concerns about Freedom Debt Relief 's business ethics and practices. The potential mishandling of my funds and the obstruction in accessing my account information warrant a thorough investigation.

Given the substantial amount in question and the potential infringement on consumer rights and financial regulations, I am urging the CFPB to promptly investigate this matter. While I am currently unable to provide a copy of my statement due to the restricted account access, I am prepared to furnish further details and any available documentation. 

I appreciate your immediate attention to this distressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
RE : Westlake Portfolio Management Servicing/ XXXX  According to the contract with the above referenced, I financed {$2300.00} at 25 payments of {$99.00} per month. 
I have made 33 payments of {$99.00} = {$3200.00} a difference of {$900.00} ( overpaid ). 

I contacted the company on XX/XX/2023 and was informed that my account had been closed for nonpayment and I have a balance due of {$120.00}. I asked how this could be since payments are automatically withdrawn from my bank account. The representative stated that he did have the details and that I needed to pay the {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email that a payment was due on my account. I called in and spoke to a representative and they notified me that I had a missed payment. I was told on previous occasions that Navient does not report missed payments to the Credit Bureaus until they hit 90 days. The gentlemen that I spoke with also confirmed this and said that as long as a payment is made by XX/XX/XXXX there would be no negative Credit Impact. I immediately scheduled a payment. 
On XX/XX/XXXX, I received a credit alert that I am 60 days late ( attached ). 
The account never went over 30 days late and I believe that payments were improperly applied. 
Looking back at my bank records and online Navient Profile this is inaccurate for multiple reasons. 
Going back to XXXX, there was a payment made on XX/XX/XXXX then on XX/XX/XXXX, the account had never gotten 60 days behind. 
Also, the Online Portal shows payments for all three months being received back to XXXX, which contradicts what is being reported to the credit bureaus. 
Also, the account went from 0 Days Late to 60 Days Late. How can this be possible? There would need to be a 30 Days Late. A 60 Day Late payment has a much bigger impact than a 30 Day Late, which is unfair to the consumer. The consumer should be alerted to be given the chance to correct anything before it hits 60 Day Late Status. 
Enclosed is documentation supporting my request : Please investigate this matter and correct the disputed items as soon as possible. For many reasons I believe this should be corrected. Most Notably, I was told inaccurate information from the Customer Service Rep on XX/XX/XXXX, who clearly stated that there would be NO CREDIT IMPACT AS LONG AS PAYMENT WAS MADE BY XX/XX/XXXX, which can be heard from the recording of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXXXXXX RE : inquiry removal While, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX Best regards,

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 2023-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised these accounts listed in letter was fraud. Said company had days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is nor request EQUIFAX to provide the documentation used to determine the accounts was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet take signature, consumer is Not asking for an XXXX  report. if EQUIFAX does not have documentation to show these were in fact authorized it evast be removed asap. SAID company is liable under the SEC to follow certain reles. EQUIFAX Commission file number.XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief