vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to address serious violations committed by XXXX XXXX XXXX XXXX XXXX, XXXX and Transunion regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( XXXX ) Under XXXX, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ XXXX XXXX ] or XXXX, XXXX and Transunion to disclose or report my educational records. 

XXXX only permits disclosure without consent in limited circumstances ( XXXX XXXX  XXXX ), such as : * To school officials with legitimate educational interest. 
* To comply with judicial orders or lawfully issued subpoenas. 

No such circumstances apply here. If [ XXXX XXXX ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002.

Violation of 15 U.S. Code 6801 - Protection of Nonpublic Personal InformationExperian, XXXX and Transunion have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically : 1. You failed to secure my records and protect them from unauthorized disclosure. 
XXXX. You unlawfully furnished my private educational records to credit bureaus like TransUnion, XXXX, and XXXX, which have experienced multiple data breaches. 

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation. 

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications. 
* Adverse actions that have affected my financial stability, reputation, and overall quality of 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to address serious violations committed by US Departament of Education XXXX, Experian and XXXX regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( XXXX ) Under XXXX, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ Creditor Name ] or XXXX, Experian and XXXX to disclose or report my educational records. 

XXXX only permits disclosure without consent in limited circumstances XXXX XXXX XXXX XXXX XXXX such as : * To school officials with legitimate educational interest.

* To comply with judicial orders or lawfully issued subpoenas.

No such circumstances apply here. If [ Creditor Name ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002.

Violation of 15 U.S. Code 6801 - Protection of Nonpublic Personal InformationExperian, XXXX and XXXX have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically :

1. You failed to secure my records and protect them from unauthorized disclosure. 2. You unlawfully furnished my private educational records to credit bureaus like XXXX, XXXX, and Experian, which have experienced multiple data breaches.

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation.

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications.

* Adverse actions that have affected my financial stability, reputation, and overall quality of 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank With this credit card. There were fraudulent charges onto the account. I was only notified days later after the account had been charged. I requested the account to be closed and statements to be sent to me and for an investigation on the fraudulent chargers, and to be re-credited to my account the investigation happened and no recredit came back and they sent me a new card after I had explained to close the account. I then requested my account closed after I thought it was closed. They continued to charge my account. I requested documentation and clarification on why my account was continuously being charged. Then I had their attorney for a collection agency. Send me a document requesting me to pay the amount owed.

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 2025-02-07 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: GA

Complaint narrative:
These negative Items does not meet the FCA reporting requirements. I do not recognize how and why this is reported. 
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer Reports. Delete Immediately! Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ), Reports must be in accordance with Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a collection account that appears on my credit report, managed by XXXX XXXX XXXX. This account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect. 

Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor, a copy of the original agreement or contract that created the debt, a full account history showing how the debt was calculated, and proof that the agency has legal authority to collect the debt. 

The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account. This invalid account is negatively impacting my XXXX XXXX and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Subject : Complaint Against Experian Failure to Verify Hard Inquiries, Accounts. 

Dear CFPB, I am filing a complaint against Experian XXXX XXXX for failing to verify Inquiries and Accounts on my credit report. Under FCRA 609 ( a ) ( 1 ) ( A ), I requested verification, specifically the original contract with my wet ink signature, proving I authorized these inquiries. They have failed to provide this documentation, and it has now been over XXXX  days. 

Per FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted immediately. Experian & XXXX are now legally required to remove these accounts within four ( 4 ) business days, yet they have not done so. 

I request the CFPB to investigate and ensure Experian complies with federal law by removing these unverifiable inquiries from my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I recently noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account being associated with me. As a victim of identity theft, my personal information was used fraudulently, resulting in this item appearing on my report despite having no connection to it. Following TransUnion 's instructions, I filed an FTC report and submitted it along with supporting documentation. However, the fraudulent item still remains on my credit report, causing ongoing frustration and stress.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was divorced XXXX  years ago. My ex-Wife continued to use the XXXX XXXX Card that I was an Authorized user on. She became delinquent on the card. This is showing up on my credit report. I would like to have it removed off the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have exausted every avenue possible in obtaining my report and data that CLARITY SERVICES is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Credit card issued payment to PayPal 30 days later cardholder disputed payment saying he did not approve. XXXX! For sod delivered to his home, how could he disputes it? It was ordered delivered XXXX hours to his house. I have text messages proving he ordered. 

PayPal withdrew the funds after credit card company disputed payment. 

PayPal sent all info proving he ordered sod.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed a copy of my credit report, and I noticed some late payments posted on my credit report : 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX ) has violated my rights 15 USC 1681 section 602 a states, I have the right to privacy. 15 USC 1681 SECTION 604 A section 2 : it also states, a consumer report agency, can not furnish an account without my. Written instructions. I have tried to resolve this issue too many times with this company. It is truly A shame How I'm being done and mistreated and violation of my constitutional rights.. hurting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX ) has violated my rights 15 USC 1681 section 602 a states, I have the right to privacy. 15 USC 1681 SECTION 604 A section 2 : it also states, a consumer report agency, can not furnish an account without my. Written instructions. I have tried to resolve this issue too many times with this company. It is truly A shame How I'm being done and mistreated and violation of my constitutional rights.. hurting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD

Complaint narrative:
Took out a loan of XXXX and I have been paying XXXX biweekly but still owe XXXX. Interest rate is 699.72 % which is illegal in the state of XXXX and was not informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
To Citizen Bank Case # XXXX On XX/XX/XXXX, I went to the XXXX XXXX location of Citizens bank on XXXX XXXX XXXX and opened a saving and checking account. 
I was presented with a Fyler stating Fall into {$700.00} {$100.00} would be given for opening the personal checking and up to {$600.00} for making a single of multiple deposit totaling {$15000.00} On the back of the Fyler it noted : XXXX XXXX savings offer XXXX XXXX the requirements note account to be open XX/XX/XXXX XX/XX/XXXX, met on XX/XX/XXXX {$500.00} into checking within XXXX days : meet XX/XX/XXXX Total deposit into saving within XXXX days : XXXX XX/XX/XXXX Saving balance required till XX/XX/XXXX met on XX/XX/XXXX Bonus will be paid by end of day XX/XX/XXXX : Received $ XXXX, instead of {$600.00} XXXX {$500.00} Payroll was deposited on XX/XX/XXXX meeting the requirements for he {$100.00} {$10000.00} was deposited into the saving on XX/XX/XXXX and an additional {$15000.00} was deposited into the saving on XX/XX/XXXX As the {$15000.00} was deposited within the XXXX days of the account open the other {$10000.00} was withdrawn leaving the saving account at XXXX till XX/XX/XXXX to be certain that the XX/XX/XXXX exceeding the requirements I called in multiple times to verify that all requirements were met On XX/XX/XXXX I logged into my account and saw {$500.00} was added with the notation BALBLDR BONUS. 
On XX/XX/XXXX at XXXX am I called XXXX and was on the phone XXXX minutes with a representative who advised she could not find the promotion, I offered to send a copy of the flyer and read each line of the flyer. 
She suggested that I contact the branch that I opened it at. 

After requesting to speak with a supervisor. He was quickly able to find the promotion referencing XXXX. I was told that my account shows the requirements were made and it would be escalated. 

On XX/XX/XXXX I received a call advising the matter was researched and there would be no adjustments made. 

The reason for the {$400.00} + XXXX bonus instead of the {$600.00} + XXXX Bonus was because the {$15000.00} did not meet the requirements I checked my XXXX account of which the {$15000.00} was sent from. And it shows that the withdrawal was complete XX/XX/XXXX at XXXX XXXX, It was reflected in XXXX bank on XX/XX/XXXX which would be 10 days As I have met the requirements for the {$700.00} total bonus I am requesting that I receive that amount I am happy to share the documentation to support the statements above. 


Thank you. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: DE

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since the inaccurate accounts are still there, I request a thorough review of the documents I've submitted so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
There is incorrect personal information on my credit report, which has led to an unfamiliar and inaccurate account being linked to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account that I have no connection to. As instructed by Equifax, I filed an FTC report and provided all necessary documentation, yet this fraudulent item still remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Originated mortgage in XX/XX/XXXX with XXXX XXXX. They sold to Fifth Third Bank, my XXXX insurance provider was notified but Fifth Third Bank never talked with XXXX to send them insurance payments from my escrow. 

As a result in XX/XX/XXXX I had to make payments out of pocket to XXXX to cover the insurance. When I called Fifth Third Bank, they said they couldnt do anything until XXXX communicated with them. I called XXXX and they also didnt know how to solve this problem. Now I am taking an emailed bill from XXXX, and submitting that to Fifth Third Bank in case it will help, which I doubt. 

If I hadnt been checking on whether Fifth Third Bank had paid my insurance from the escrow I have been paying for XXXX months ; I would have taken a credit score hit and accrued unpaid bill interest because of their incompetence. 

I believe Fifth Third is deliberately defrauding me with unfair, deceptive, and abusive servicing practices. They have billed me for Escrow until the false pretenses that those funds were being used to pay my home insurance as is typical. I suspect this gross negligence and system failure to service my mortgage might also extend to their correct calculations for principle, interest, and tax payments. This is a significant breach of fiduciary duty from Fifth Third Bank that has created inaccurate and delayed insurance billing. This egregious error has jeopardized my homeowners insurance coverage. 

I expect the CFPB to investigate this willful disregard for mortgage servicer obligations and make immediate regulatory intervention if deemed necessary. Because I have not been able to resolve this over several phone calls, I am forced to ask the regulators for resolution of this issue.

Company response to consumer: Closed with non-monetary relief