vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I'm XXXX XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my XXXX XXXX. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
An account with Navy Federal Credit Union on my credit report for~XXXX USD was closed and the contract was cancelled I'm XXXX. Navy Federal has been asked several times since XXXX to remove the amount from my credit history because they are reporting it as charge off/bad debt. In XXXX Navy Federal updated the account to report the last payment made was in XXXX and now the fraudulent report allows the charge off account to appear recent and verified. Navy Federal has no integrity and it is apparent. I am requesting for the XXXX time for this old navy Fed account to be removed from my credit history due to its age, accuracy, and fraudulent nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple requests for Experian to remove the fraudulent addresses due to identity theft and they continue to deny my dispute AND CONTINUE TO VIOLATE THE LAW ILLEGALLY. I will be filing complaining with the CFPB until they remove addresses THAT WERE MADE DUE TO IDENTITY THEFT AND ARE tied to accounts that are not MINE due to identity theft. The addresses are below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ONLY XXXX ADDRESS SHOULD XXXX XXXX XXXX MY EXPERIAN CREDIT REPORT, AND THAT IS XXXX XXXX XXXX XXXX XXXX, TX 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I XXXX XXXX, Consumer and natural person Am aware of all rights, that i have and which are Protected by the congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681 * XXXX XXXX * XXXXXXXX XXXX  XXXX  * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 604 section 2 It also states A consumer reporting agency can not furnish a account without my written instructions. 

Delete the accounts immediately unless you want to be held {$1000.00} per violation

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I went to XXXX XXXX for a week between XX/XX/2022 and returned on XX/XX/2022 on XX/XX/2022 my WSFS Debit card was frozen because I was spending our of my local area. I was unable to view the account online. I called and verified the current charges on the account and the account was made available. I returned home and went to use my WSFS Bank card on my phone and discovered it was compromised I was not aware that I had lost my card. Unauthorized Charges in the amount of {$9600.00} were billed to my Debit Card on the XXXX, XXXX, and XXXX I was not aware my card was missing because I often use my phone to tap transactions and in that instance my PIN number is also used. I received a letter from WSFS Bank on XX/XX/2022 stating that the disputed transactions were not going to be reviewed and that I was responsible. I spoke to the Customer Service area and was provided transactional info and merchant phone numbers. 

XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX separate transactions {$2300.00}, {$500.00}, {$400.00}, I called the merchant and was advised that he spoke with the security department of WSFS Bank ( XXXX XXXX and advised that there was Video Footage and receipt detail and he informed her on how to get the detailed information. XXXX XXXX XXXX XXXX called me back on XX/XX/2022 and informed me that no one from WSFS has reached out to the Loss Prevention area of XXXX XXXX to request the information. 

There were also two XXXX charges also on the same post date XX/XX/2022 {$1000.00} and XXXX, I spoke with the general manager XXXX, he informed me that he had spoke to someone by the name of XXXX at WSFS Bank and provided him the information that an ID was present and and a receipt was available. However this transaction was processed after I was already in Delaware. But no one at WSFS is trying to help in this instance I did speak with XXXX 's XXXX, XXXX XXXX and she is of no assistance either I have also sent information to XXXX XXXX of WSFS Bank in the last four days and I have received not response. XXXX XXXX informed me that she would not open the dispute and advised me if I wanted the merchant receipts that I should go into a WSFS Branch and request them. there are many more transactions processed on the same date they include over 50 transactions and a total of {$9600.00}. I have also filed an online police report with XXXX XXXX, Nevada and I have listed all charges.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I received notification that I should have seen 4 removals on my XXXX report, that should help update my credit report and score, but I have pulled my most recent reports, and I do not see any such removals taking place, which leaves me to believe that this is misleading or the credit bureaus are not responding to the updates that are required to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Previously I disputed Commonwealth Financial with the credit bureau in which they said the credit reporting was validated as accurate. So I filed a complaint recently with CFPB XXXX complaint number about the reporting from Commonwealth Financial reporting XXXX the bureaus and how I thought my Hippa rights were violated. In which Commonwealth Financial responded by stating they were in compliance with the Hippa laws in which I was complaining about. However, I also asked for full validation of this alleged debt. I asked that Commonwealth Financial send me documentation of the original contract with the original creditor or provider of services which is XXXX OF XXXX with my signature, and a breakdown of all fees and services rendered but they have NOT provided it. They have failed to meet the requirements to validate this alleged debt. Commonwealth Financial also sent me a letter showing that the account holder aka CURRENT CREDITOR of this alleged debt is XXXX XXXX XXXX. 
XXXX XXXX XXXX is a debt buying agency aka debt collections agency itself. How is Commonwealth showing XXXX XXXX XXXX as a current creditor in the documents they sent me? This is a lie and a violation within all violations! How is Commonwealth Financial collection agency attempting to collect a debt for another collection agency? And why is Commonwealth Financial still reporting this alleged debt to the credit bureaus if XXXX XXXX XXXX owns this alleged account? Why isn't XXXX XXXX XXXX this to the credit bureau? What I do know is that I do not have a written agreement or contract with Commonwealth Financial and they have failed to validate this alleged debt with me. They have no right to be reporting this alleged debt on my credit report especially since they do not own this account. I would like for commonwealth to provide answers and documentation to all my questions and for them to stop reporting this alleged debt to all cra 's. At this point Commonwealth is in Violation of 15 USC 1692e A debt collector can not use false or misleading representation or means in connection with the collection of a debt, 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debts, 15 USC 1692f Unfair Practices attempting to collect an alleged debt, 15 USC 1692f ( 1 ) Attemtpting to collect a debt unauthorized by an agreement between parties and 15 USC 1692b ( 5 ). There is a {$1000.00} fine per violation but I will settle out for {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: FL

Complaint narrative:
I requested a {$3500.00} refund from EdFinancial back in XX/XX/XXXX. My loan was fully paid prior to my request ( closed ) and paid after XX/XX/XXXX. EdFinancial stated that there is a 150 day minimum processing time followed by a 10 day wait for a physical check ( even though I paid online ). This could land the refund after the possible forgiveness timeline. Also, I do not receive any confirmations, so I have to call to check up on it. I called today and they stated that it hasnt even been processed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens Financial have allowed a Fraudulent lien on the Home Title. We have NO Business with XXXX. This is the second Mortgage type Fraud, their Lawyer XXXX XXXX XXXX XXXX, XXXX. supposedly cleared the last fraud for Fed lawsuit I filed & Won 1:18-cv-09226 [ XXXX settlement signed XXXX XXXX in court. NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Acount # XXXX, has violated my rights. 15 U.S.C 1681 section 602. A States I have The right to privacy. 15 U.S.C 1681 SECTION 602 A. States a consumer reporting aenc can not fumish an account with out my written instructions

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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/22 Spirit Elite card application applied for fraudulently through Bank of America. My credit file was locked Approx XX/XX/22 Another application for the same card was applied for from Bank of America previously. Spent hours on the phone, had to confirm my identity at a local branch to stop the application. They opened it anyway. Called their fraud department a 2nd time and they shut it down

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Car got repossessed back in XXXX of 2020 and the account is closed but I'm still getting late payments on my report for that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
i applied a home loan but my loan was not approved due to low XXXX score and when i checked my XXXX XXXX XXXX no is not matched. the XXXX  shows in XXXX  report is belongs to someone else.all other details like XXXX number, email id and mobile number are mine but XXXX  number is not mine due to this loan numbers shown in my XXXX  report are not belongs to me

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on 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 2022-10-07 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: UT

Complaint narrative:
I have contact Edfinancial Services after learning about Biden 's Student Relief Act taking place. I wanted to take full advantage of the program so I requested a refund on all amounts I paid on my student loans to Edfinancial. I called the company in XXXX and they confirmed that I would get a refund of {$3100.00}, but it would take 150 days and it will be deposited via ACH. I was then told that once I get the refund, it will reflect on my account and I could apply for debt relief. As more information about the debt relief act came out, I started to learn that the 150-day mark is not sufficient for the timeframe of when I can apply for the relief. It goes MONTHS after. 

I have contacted Edfinancial Services again and have not heard back. I keep calling until I get someone to handle my case appropriately. This timeline is not okay to give refunds when they know the application is done this month!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I noticed a collection on my credit report and asked for debt validation as I have entered no contract and have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a text message at XXXX XXXX XXXX XXXX  alerting me about the XXXX in debt through Wells Fargo Text support for a XXXX. 

And had a website to click to approve funds. 
I didnt not click the website but the number is : XXXX I am scared someone has my phone number and applied for this without my knowledge or consent

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Great American Finance Co
State: IL

Complaint narrative:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
They pulled my credit report without my Authorization.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Experian. Proof was sent as an additional reference from XXXX to Experian. Late payments have been posted to both accounts ( Experian, XXXX ) inaccurately. On Experian it says that I was 30 days late on XX/XX/XXXX, but on XXXX it says I was 60 days late on XX/XX/XXXX. 

In addition, there are several inaccuracies of late payments. Per Section 15 U.S.C. 1681i. I requested Experian to delete the following account for inaccuracy on my credit report. This letter was sent on on XX/XX/XXXX. I received response on XX/XX/XXXX saying that the account was verified.

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