vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: ID

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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-23 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: GA

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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights . Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I cant view my credit profile on any platforms and I need to view them to look at my report. Im a victim of id theft and need to view its its been 4 months and I need to see my XXXX and equifax report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: WA

Complaint narrative:
Just before a XXXX vacation, I logged into my Discover Bank high yield saving account that I set up for my son. I noticed that there had been a XXXX XXXX deposit, then the next day a {$150.00} and a {$120.00} withdrawal. The day after those withdrawals there was another one totaling {$8000.00}. These wire transfers or withdrawals went to XXXX XXXX in XXXX where they apparently charge {$500.00} per plate. This is a city I have never been to. XXXX has a website but will not answer phone calls, it is simply an automated message directing you to book on a website then disconnects. I am not convinced this restaurant exists. 
I called Discover and they closed that savings account and opened a new account and moved my remaining balance into the new account siting identity theft. Due to the new account being opened I no longer have access to the old account see where the money went. They then credited my new account with the amount of money that had been taken from me while they investigated. A few days later I got letters in the mail saying that the withdrawals were legitimate, and the money was moved into an account in my name and that I benefited from those transactions. I never moved money out, only deposits by myself and my wife each month. 
Since that time, I was a victim of an 'email bomb ' where my inbox was overloaded with spam and newsletter that I had apparently 'signed ' up for. I have also received two debit cards in the mail that I did not sign up for, a XXXX XXXX XXXX XXXX tied to XXXX in some way, and another from XXXX XXXX I called and closed both of those cards, and I am checking the mail every day expecting to see more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I received a letter from advantage loan servicer on their platform regarding 'loss of benefit ' because " you didnt meet this on-time payment requirement, the credit has been added back to your principal balance, increasing the amount you must repay. The alleged date in question is from approximately 11 years prior ; i am just being notified of this now as well as my responsibility for repayment of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NY

Complaint narrative:
I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes.

As outlined in the Credit Reporting Resource Guide ( CRRG ), any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards.

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: NY

Complaint narrative:
I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes.

As outlined in the Credit Reporting Resource Guide ( CRRG ), any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards.

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Original Creditor : 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 2024-01-23 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: TX

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: TX

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 2024-01-23 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: CA

Complaint narrative:
I have been affected by the Equifax Data Breach. My credit report indicates two illegal fraudulent accounts in collections that do not belong to me. I have attached a letter with the information. I have contacted the credit report companies, and nothing had been accomplished as far as an investigation to these accounts. These two collections have severely impacted my life due to my credit score being affected. I have also attached proof of Equifax admitting my personal information was affected making me a victim of the date breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/XXXX, disconnect 6 times. 
XX/XX/XXXX, disconnected 17 times. 
XX/XX/XXXX, my calls after waiting and spending most of my day, failing to accomplish any task as every call made I was never connected to representative in 33 calls. 

The list is much longer, but I digress. This unfair practice is costing and defrauding people of massive amounts of money.

The deception and malpractice in this industry is rampant, once one area begins to improve, another things takes its place. 

These companies are extremely crooked and the average consumer believes many lies and malpractices as truth because they interact with so many people, the average person would believe what they say must be true.

I do not even know where to classify the unjust and unfair practice, and the employees working follow procedures given to them when they dont actually know the truth themselves.

I gave give them legal, lawful, and actions which should be followed out pursuant to regulatory policy and or law, yet Im told a variety of things for example, they can not due this function, this isnt our company approval, call someone else, let me transfer you which doesnt solve anything, usually more disconnection and waiting to get a representative on line who has interests not favorable to customers, which is harming the public trust and benefits not the consumer but the few banks compared to those it serves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: CO

Complaint narrative:
I received a call from Frost Bank 's Fraud Department on Friday, XX/XX/XXXX that someone had successfully opened an account in my name. As of today, the account that had been opened has been closed but was requested to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: TX

Complaint narrative:
I have tried multiple times to upload documents that show I am currently on XXXX in the state of Texas since late XXXX XXXX. They have a website ( edfinancial.com ) and section to do so that is fairly easy to complete. Despite my multiple attempts of uploading documents with my name, social, and proof of current income I see no change in my Account Summary of how much is expected for me to pay. I have reached out via phone call to see what is the issue of why they are not acknowledging my request. They told me it is still under review and takes more than XXXX days for changes to be made. To me this is a no effort response while my payments keep getting tacked on and eventually effect my credit. On my end I do not see where they are saving my documents I am uploading or even a status report of what decisions they have made. 

This very frustrating and stressful as I continue to look for a job in this horrible market. As for a timeline I have been attempting to upload proof of unemployment since early XXXX and now its late XXXX and they are still trying to charge me missing payments. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: OH

Complaint narrative:
I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus XXXX, Equifax, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

These are the following companies and accounts numbers for XXXX : XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX  XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX XXXX XXXX {$560.00} -XXXX XXXX XXXX XXXX Balance {$3700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$600.00} -XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for Equifax : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXXXXXX  XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX  XXXX Balance {$2400.00} -XXXX XXXX  XXXX Balance {$3000.00} -XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXBalance {$12000.00} XXXXXXXX XXXX XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX XXXXXXXX {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: OH

Complaint narrative:
I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus XXXX, Equifax, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$3900.00} -XXXX XXXX XXXX Balance {$3000.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX  XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$600.00} -XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} -XXXX  XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX  XXXX Balance {$3000.00} -XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX XXXXBalance {$12000.00} XXXXXXXX XXXX  XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX  XXXX {$3700.00}

Company response to consumer: Closed with non-monetary relief