vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Duplicate Student Loan Accounts Reporting Incorrect Balance I am writing to formally dispute inaccurate information on my credit report regarding my student loan accounts. It appears that my student loans are being reported as duplicate accounts, causing my total balance to be incorrectly reflected as double what it should be. This error is negatively impacting my credit profile, and I request an immediate investigation and correction. 

Details of the Disputed Accounts : Lender Name : XXXX Account Numbers ( Last Four Digits ) : XXXX, XXXX ( Duplicated Accounts ) Incorrect Reported Balance : {$160000.00} Actual Balance Owed : {$84000.00} Upon reviewing my credit report, I have noticed that my student loans appear multiple times under different account numbers or with slight variations in reporting, despite them being the same obligation. This duplication is causing an inaccurate representation of my debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that your bureau conduct an investigation to verify the accuracy of these reported balances. If these accounts are found to be erroneously duplicated, I ask that the incorrect entries be removed or corrected immediately to reflect my true balance. 


Please confirm receipt of this dispute and provide updates regarding the investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2025-02-12 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: ID

Complaint narrative:
Violation of FERPA and the Privacy Act, when XXXX XXXX and his subordinates infiltrated the XXXX XXXX XXXX XXXX and Department of Education computer system on XXXX XX/XX/year>. I demand immediate investigation into this matter, as my loan servicer and the Department of Education are responsible for ensuring the security of my private data. If my rights under FERPA and the privacy Act have been violated, I expect appropriate legal and financial remedies including potential loan forgiveness for contract breach. I expect this to be resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I deposited {$77000.00} to my TD bank checking account from coinbase ( a crypto currency exchange ) & it instantly cleared. The next day my account was put into a no check status & for the past two weeks I have had XXXX access to my funds. I have called them countlessly every single day & visited a few of the branches. I get the same outcome everytime : " We can not help you with this issue, the front office is reviewing the account ''. This was a life changing ammount of money that I deposited & the hold is now becoming detrimental to my life. My account was restricted 3 days before the XXXX of the month & I have not been able to pay my rent or my bills. If this issue isn't solved immediately I will get evicted. I have also informed them that I may be evicted soon & they have not escalated the issue. I beg you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am writing to formally file a complaint under FERPA, The Family Educational Rights Act and Privacy Act regarding the unauthorized access to my personal and financial information by XXXX XXXX and his employees through the Department of Education 's database. 

On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who aren't school officals nor authorized represenatives, accessed databases that include my personal and financial educatinal information without my knowledge or consent. I am aware that the usage of this database is monitiored, recorded, and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights.

It is my understanding the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. This is a clear breach of my protections. I respectfully request that your office investigate these matters and ensure my information is protected. If so, I request that you immediately cancel and discharge my student loan debt in full. 

Lastly, the Department of Education no longer exists, therefore my loans should be canceled and discharged.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-12 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MS

Complaint narrative:
Beyond Finance offered to settle XXXX accounts however after collecting XXXX from me over the course of 12 months, only negotiated or attempted to negotiate XXXX accounts and paid a total of {$660.00} combined to those XXXX creditors leaving the others to go to collection or charge off. When my score continued to drop after paying months into the program, I inquired and attempted to cancel at which time I was passed on to sales partners to keep me enrolled. Frustrated and confused I stayed enrolled until XXXX of 2025 when I further investigated what exactly is being paid on my behalf with the money Beyond Finance is collecting from me. I confirmed that XXXX accounts were negotiated and being paid on with the rest untouched. Beyond Finance charged me without settling the debts promised, or negotiating settlements with creditors, and mislead me about the companys fees and ability to negotiate directly with all of my creditors. This company appears to be a new name for XXXX XXXX XXXX and they mislead me to believe all fees were paid after all accounts were negotiated. 

When I was finally able to cancel it required XXXX minutes on the phone and being passed to several agents who demeaned and ridiculed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TN

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

Company 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 2025-02-12 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: TN

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

Company 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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
dispute an ongoing issue with the handling of my dispute related to two transactions charged to my account on XX/XX/year>. The total disputed amount is {$1400.00}, which was mistakenly duplicated by your team in the dispute process. To clarify, I made two separate transactions of {$1400.00} each, which were for the purchase of a total of XXXX tickets. 
Instead of disputing the correct transaction, your team disputed both transactions for the same amount, thereby complicating the matter further. 
For the past two years, I have made numerous calls to your customer service department to resolve this issue, yet there has been no resolution, follow-up, or proper documentation provided to me. Additionally, I have requested the manifest that should detail the flight information to demonstrate that the flights in question were not completed, but I have received no clear response or follow-up emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I contacted TD Bank regarding a 30-day late payment that was incorrectly reported on my credit report. I spoke with XXXX, a Customer Service Manager, who confirmed that TD Bank had an internal reporting error related to their minimum payment system, which impacted multiple accounts, including mine. 

XXXX acknowledged that the 30-day late payment was a mistake caused by TD Banks system error but stated that no immediate resolution was available and that they were still investigating the issue. She did not provide a clear timeline for when the correction would be made or when it would be reflected on my credit report. 

I requested : Written confirmation from TD Bank stating that this was a reporting error. 
A timeline for resolution and when the credit bureaus would be updated. 
Immediate correction of the inaccurate late payment with XXXX, XXXX, and XXXX. 

Despite acknowledging the issue, TD Bank has not taken immediate action to correct my credit report. This incorrect late payment has negatively impacted my credit score, and I am requesting CFPBs assistance in ensuring TD Bank corrects this error promptly. 

Requested Resolution : I request that TD Bank immediately update my account with all credit bureaus to remove the inaccurate 30-day late payment and provide me with written confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I never received a XXXX form and its reporting it as a charge off in my report.. the charge off is being reported multiple time that a false information sincenyou only have charge it off XXXX. This is for td bank XXXX account XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/year> -- completed capital one offer for XXXX miles, paid {$16.00} for purchase of XXXX subscription, miles not given XX/XX/year> -- completed cap one offer for XXXX miles, paid {$16.00} for purchase of XXXX and XXXX XXXX miles not given XX/XX/year> -- completed cap one offer for XXXXXXXX miles, paid {$12.00} for XXXXXXXX XXXX miles not given XX/XX/year> -- completed cap one offer for XXXX miles, paid XXXX for subscription, miles not given

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Under the Fair Reporting Act ( FCRA ) ,15 U.S. C. 1681 et seq. I am asking for a full investigation and removal of all credit inquires, charges and Accounts as Equifax and Experian, and TransUnion has violated my Fair credit Act as stated. Unwarranted appropriation of credit information amongst credit companies Account statements showing the alleged default documentation of all inquires sold. 
reoccurring credit charges and default and debts EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Reporting Act ( FCRA ) ,15 U.S. C. 1681 et seq. I am asking for a full investigation and removal of all credit inquires, charges and Accounts as Equifax and Experian, and TransUnion has violated my Fair credit Act as stated. Unwarranted appropriation of credit information amongst credit companies Account statements showing the alleged default documentation of all inquires sold. 
reoccurring credit charges and default and debts EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANS UNION 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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Unable to log into account to pay bills and change password. Citi tells me that they can not help me because they can not authenticate me when they have my authentication information. This happened to me as well when l tried to open my account. 

They informed me that l have to wait to receive a letter from them Please note that l was able to enter my account previously.

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
This company marked my dispute with the CFPB as duplicate which its not! XXXX ... This company is not properly licensed to collect in the state of Alabama or New York XXXX I asked them to provide proper license. Also, I don't have a contract with this company and never done business with them. Since you can't provide the proper documentation consider this a cease and desist.

Company response to consumer: Closed with explanation