vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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:
IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

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 2024-02-09 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: NJ

Complaint narrative:
IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER XXXX5 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
In XX/XX/year>, I requested the refund of student loan payments made during the XXXX pandemic from my loan servicer, EdFinancial. In XXXX, EdFinancial confirmed that my requested refund had been approved and would be disbursed within 60 days. Since then, I have yet to receive any refund or update as to the processing of this request. I have been sent back and forth between EdFinancial, XXXX, and the Treasury as to which entity should be able to provide clarity. Most recently, the Treasury told me to contact the Dept. of Ed directly for assistance. Upon calling the Dept. of Ed, I was told to reach out to the Treasury again. 

It has been over six months since I was approved for the refund of these payments, I have yet to receive the refund. I can not afford my since-restarted payments without the refunded payments, and I am now accruing interest based on the delays caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor XXXX, XXXX, XXXX. My information will be erased and all data containing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Checkr, Inc
State: GA

Complaint narrative:
I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor XXXX, XXXX, XXXX. My information will be erased and all data containing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor LexisNeix, XXXX, XXXX. My information will be erased and all data containing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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:
On XX/XX/2023, I submitted a self-attestation along with XXXX XXXX documentation to Equifax via the USPS and online, requesting the removal of adverse information from his credit file. On XX/XX/2023, Equifax responded via E-mail, requesting victim determination documentation confirming that I am a victim of XXXX XXXX, despite having already provided it in the initial submission. By requesting this Equifax is indirectly alleging the documentation received is impaired, which contradicts Regulation V 1022.142 ( e ) ( 4 ) explicitly prohibiting the decline or rescindment of any block of adverse information related to XXXX XXXX within 4 business days based on the validity of the submitted documentation. Equifax 's actions constitute a blatant violation of this regulation, a deprivation of rights which is a criminal offense, and are causing undue delay in XXXX 's rehabilitation, further exacerbating his injuries. 

Additional details are provide in the documents/ information regarding the verifiable validation of the XXXX who issued the Victims determination documentation, by the name of XXXX XXXX XXXX, who is a Governmental Taskforce member is being attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
Privacy and confidentiality under 15USC 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 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, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: MD

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 my application was denied for an XXXX XXXX American Express card. Regardless of the reasons that were given for denial, there is currently an uneven exchange of value. According to your Prospectus / trust indenture, my credit application was turned into an asset and deposited as receivables, sold to your Depositor and then sold and pledged to your Trust. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. The bank deposited the asset for cash value and has not returned anything back to me of value. This signifies fraudulent conveyance and an uneven exchange. The application / asset was NOT A GIFT. The prospectus states receivables are being used as a significant source of funding to support the Banks business, including supporting notes the Trust issues to investors. The bank took assets of value from me that are supporting its business and I did not receive a card. Again, this is an uneven exchange. The prospectus also states that all credit acceptances and denials are determined by automated systems. This means my application was never reviewed by a real person or underwriting, therefore, true valuable consideration was never provided to me. Please note that FICO scores or lack of a consumer score has no basis regarding the bank depositing an asset I gave value to, and is not a factor here. To provide equal value, The bank needs to issue the card I applied for with no predefined limits, and my account should be credited each month with the dividend payment from the Treasury coupon. The bank and its affiliates may then continue to utilize any future receivables with no adverse action from me. Please refer to your prospectus, Trust Indenture, XXXX, XXXX, and other forms on file with the securities and exchange commission regarding your fiduciary duties. If equal value is NOT received within ten ( 10 ) days, I will open investigations and claims with ALL of your regulatory agencies for violations of fiduciary duties, file a suit in XXXX XXXXXXXX XXXX, and file Form 3949a listing the Bank and all affiliates listed in the prospectus. The bank may not take value from me without issuing a card in exchange, and I pray this matter will be handled in good faith. Thank you for your attention to this matter -- - XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: OH

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-09 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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. Please see the attached copy of my dispute letters that were recently sent to the bureaus

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 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II
State: IL

Complaint narrative:
I borrowed {$1000.00} last XXXX. To date I have repaid {$2500.00}. I am working with a financial consultant and have been advised to stop paying, as this was a predatory loan. The company will not close my account, they are harassing me daily at home and calling my work. The APR was 673.49 %, which is ridiculous. I have told them, that I will no longer be making payments, and they are not ok with that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took Westlake financial services to arbitration, the arbitration was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as per the arbitration clause the company was supposed to pay for arbitration they decided not to show up for arbitration my affidavit of Truth went unrebutted my default letter went unrebutted as per the law in unrebutted affidavit of truth becomes a judgment because of this I filed a XXXX against this company with the secretary of state, now this company is suing me for defamation because I filed a XXXX against them because they claim I didn't have a judgment but as per the law my judgment is my affidavit of Truth. I would like for this company to be reprimanded for this egregious act that they're trying to bestow upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
After receiving a copy of my TransUnion consumer report I noticed there was a total of ( 4 ) unknown and unwarranted and non permissionalble inquiries,4 inquiries that I didn't recognize nor have a open account with. After speaking to a representative from TransUnion they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-02-09 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: VA

Complaint narrative:
This is not my information i request that it be removed asap. I disputed it and they did not remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2023 and hard inquiries appears on my credit report from a company name CITI RETAIL SERVICES- US I dont recognize this at all I would more then like it be remove thank you

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 2024-02-09 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: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-09 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an auto loan account with JP Morgan Chase and on the app, i was provided an option to open checking and savings account online. I raised a request to open the account on XX/XX/2024 and provided all correct information and next day i got an email from Chase stating that my request has been denied. 
I called Chase customer care today XXXX XXXX at XXXX XXXX XXXX to understand why they have denied my request to open checking account even when i have auto loan account with them. However, i was just told that bank decided not do to any business with me for checking account and provided no further explanation.

Company response to consumer: Closed with explanation