vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX : I sold my property at XXXX XXXX XXXX XXXX, XXXX TX. XXXX. Consequently loan number ending in XXXX was paid off to Truist Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. However, Truist Bank did not record the payoff until XX/XX/XXXX. 

XX/XX/XXXX : I changed the mailing address on Truist Bank 's website from the property in Texas to my new mailing address. 

On XX/XX/XXXX : I alerted Truist Bank that I still had not received my escrow funds. I was told by a bank representative that the escrow check was mailed to the mailing address for the property that I sold. I alerted the representative to the bank 's error, I was told that the check would be reissued. 

On XX/XX/XXXX : I called Truist Bank to advise them that I still have not received the funds. The bank representatives are refusing to send my escrow funds to me in a timely manner as per their obligations according to law to return the money within 20 days.

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 2024-01-15 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: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : 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 2024-01-15 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: FL

Complaint narrative:
I submitted a complaint ID XXXX dated XX/XX/XXXXXXXX  for XXXX XXXX XXXX and they never responed. Now, Apelles collection has send two letter dated XX/XX/XXXXXXXX  which I called them and explained I have already file a claim with CFPB about XXXX. Now, XX/XX/XXXXXXXX  Apelles sent a new letter with invoice dated XX/XX/XXXX. What I found on XXXX dated XX/XX/XXXXXXXX  is that they claim customer cancel-termination chg ( XX/XX/XXXX to XXXX no other printed. However, I never call to cancal my service on XX/XX/XXXX. 
XXXX they came to reconnect service because they were issues with XXXX always stating I was late on payments which was never the case. 
XXXX stopped undating my service and the alarm would go off every night from midnight to morning until I disable the equipment. Therefore XXXX canceled my service XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-15 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I trust this message reaches you amidst your responsibilities. It is with profound dismay that I write to bring to your attention the distressing findings of my recent investigation into my credit report, courtesy of your agency. 

Upon careful scrutiny, I have unearthed unverifiable, invalidated, inaccurate, and questionable items that your agency has negligently failed to ensure were reported with 100 % accuracy. This discovery has not only inflicted severe emotional distress upon me but has also highlighted a blatant disregard for the regulations outlined in the Fair Credit Reporting Act. 

As you are undoubtedly aware, the Fair Credit Reporting Act mandates a 100 % accuracy standard for all information on credit reports. Regrettably, the accounts in question, as identified under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this federal statute. 

Attached herewith are copies of all previous correspondences sent in a futile attempt to rectify these glaring inaccuracies. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to comply will leave me with no alternative but to pursue all available legal avenues to protect my rights. 

I anticipate your swift response outlining the concrete steps being taken to address and correct these inaccuracies within the next 10 days. 

Thank you for your urgent attention to this matter.

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 2024-01-15 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 trust this message reaches you amidst your responsibilities. It is with profound dismay that I write to bring to your attention the distressing findings of my recent investigation into my credit report, courtesy of your agency. 

Upon careful scrutiny, I have unearthed unverifiable, invalidated, inaccurate, and questionable items that your agency has negligently failed to ensure were reported with 100 % accuracy. This discovery has not only inflicted severe emotional distress upon me but has also highlighted a blatant disregard for the regulations outlined in the Fair Credit Reporting Act. 

As you are undoubtedly aware, the Fair Credit Reporting Act mandates a 100 % accuracy standard for all information on credit reports. Regrettably, the accounts in question, as identified under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this federal statute. 

Attached herewith are copies of all previous correspondences sent in a futile attempt to rectify these glaring inaccuracies. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to comply will leave me with no alternative but to pursue all available legal avenues to protect my rights. 

I anticipate your swift response outlining the concrete steps being taken to address and correct these inaccuracies within the next 10 days. 

Thank you for your urgent attention to this matter.

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 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never 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 explanation
Consumer complaint received 2024-01-15 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: MD

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, XXXX, or Transunion. They should be removed asap as this has hindered me from getting countless approvals for credit cards and car loans and mortgages because of the debt to income ratio. Credit reporting agencies have a duty to follow the law. If they would have followed the law many people would be in better positions. XXXX XXXX, and Transunion 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.

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 2024-01-15 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: MD

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, Experian, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards and car loans and mortgages because of the debt to income ratio. Credit reporting agencies have a duty to follow the law. If they would have followed the law many people would be in better positions. Experian XXXX, 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 XXXX5 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.

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 2024-01-15 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 trust this message reaches you amidst your responsibilities. It is with profound dismay that I write to bring to your attention the distressing findings of my recent investigation into my credit report, courtesy of your agency. 

Upon careful scrutiny, I have unearthed unverifiable, invalidated, inaccurate, and questionable items that your agency has negligently failed to ensure were reported with 100 % accuracy. This discovery has not only inflicted severe emotional distress upon me but has also highlighted a blatant disregard for the regulations outlined in the Fair Credit Reporting Act. 

As you are undoubtedly aware, the Fair Credit Reporting Act mandates a 100 % accuracy standard for all information on credit reports. Regrettably, the accounts in question, as identified under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this federal statute. 

Attached herewith are copies of all previous correspondences sent in a futile attempt to rectify these glaring inaccuracies. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to comply will leave me with no alternative but to pursue all available legal avenues to protect my rights. 

I anticipate your swift response outlining the concrete steps being taken to address and correct these inaccuracies within the next 10 days. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: GA

Complaint narrative:
I accordance with the fair Credit reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

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 instructions.

Please removes these negatives off my credit ASAP. 

1. XXXX XXXX ; on my XXXX and XXXX are reporting 2 different " LAST ACTIVE DATES '' in the attached file. 

2. XXXX XXXX ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 3. XXXX ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 4. XXXX  ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT

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 2024-01-15 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: GA

Complaint narrative:
I accordance with the fair Credit reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

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 instructions.

Please removes these negatives off my credit ASAP. 

1. XXXX XXXX ; on my XXXX and Experian are reporting 2 different " LAST ACTIVE DATES '' in the attached file. 

2. XXXX XXXX ; XXXX, XXXX XXXX and Experian are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 3. XXXX ; XXXX, XXXX XXXX and Experian are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 4. XXXX  ; XXXX, XXXX XXXX and Experian are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT

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 2024-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: VA

Complaint narrative:
In response to current pending complaint " XXXX '' ... There is no option to reply on that one! Really not helpful! 

A follow up on the XX/XX/XXXX ( 60 day breach and failure to respond ) email from you : " We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

" What I expect is the following from you : 1 - Any communication from Ed Financial be reviewed and tracked by you. Please consider engaging XXXX 2 - How and when will you hold them responsible? How and when will you " enforce federal consumer financial laws '' 3 - You should also hold studentaid.gov responsible as per the document and reasons I supplied ( attached to XXXX ). I have not heard back from neither of them regarding that document! Implying FRAUD!!!!!!!!!!!! 


This frustration has been going on with me since XX/XX/XXXX. I am glad it has taken, even you, 60 days for them to continue to show failures and incompetence which are legitimate indicators to fraud! I strongly recommend legal eyes on this.

Company response to consumer: Closed with explanation