vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
My account is currently closed with EdFinancial because of the requirement by XXXX to change to a qualifying loan with XXXX. However, Ed Financial 's automated phones system requires that you enter in a social security or account number in order to proceed to talk with a customer service representative. If your account is closed, then you are NOT able to speak with a representative over the phone because the system will not connect you because the social security or account number is not recognized. 

I had to jump through a ton of hoops and spent hours trying to find ways to connect with a representative. I finally was able to connect with a rep on XX/XX/XXXX. I requested a historical accounting of my accounts because XXXX has denied my PSLF because my qualifying payments were not recorded. 

Ed financial said it would take several months just to receive an accounting. As a consumer I have a right to receive an accounting of my account within a reasonable time period. Several months, because " you are backed up '' is unacceptable. If I go into a bank and the bank says they can't give me my money because they are flooded with requests and because they have not appropriately hired enough people and thus it will take several months is just plain ridiculous. The lender is not fulfilling their responsibilities to the consumer... the financial institution has fiscal duties to provide services within a reasonable time period. 

Second, I requested to speak to a Supervisor. There is no escalation path for consumers. You are not allowed to speak with a supervisor. They will not connect you with one. They require you to submit a request and one will supposedly call you later. I never received a call back from Ed financial. 

Today I chatted with ed financial on XX/XX/XXXX because I was unable to reach a representative by phone. I was told by the representative that it would take XXXX business days to receive an accounting. When I told them I needed an accounting, they said that I needed to receive that from XXXX. But XXXX says they don't have records of my payments. I also have complaints about XXXX but that is another story. It seems that each financial institution just wants to point the finger at each other and no one wants to take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
I recently received a Visa gift card for {$100.00}. The expiration date isn't until XX/XX/31. When I tried to go online to XXXX to register it and entered the XXXX digit code on the front of the code, as well as the XXXX digit code on the back, the website said there was an error. When I called the number on the card, an automated voice told me a card could not be found with the information I provided. I attempted this several times. This is the second {$100.00} card I have had this problem with recently. It is a Visa Gift Card issued by U.S. Bank National Association.

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 monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting false and inaccurate information on my credit report. They are showing a balance of {$800.00} which is false and inaccurate. When I disputed with them, XXXX XXXX stated that they sold the alleged debt to a third party, XXXX XXXX XXXX. I then disputed the alleged debt with XXXX XXXX XXXX and requested they validate the debt. XXXX XXXX XXXX then sent me bills from XXXX XXXX. The last bill was dated XXXX XXXX for a balance of {$460.00}. According to my Transunion report, the date that account closed was XX/XX/2023 with the balance of {$800.00}. How is that within the same month there are two very different balances? Ive also requested proper debt validation and they have failed to provide me with such proof. XXXX XXXXXXXX is violating my right to privacy as a consumer, reporting inaccurate, false and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

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 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
The only reason I know this company is attempting to collect a debt is because I received an alert on my credit report a couple weeks ago. In reality, I have no knowledge of the account with the original creditor and have yet to be sent notice of my right to dispute by the debt purchaser. I disputed the collection account with the credit reporting agency as soon as I saw it and requested validation of the debt and evidence of my obligation to pay it, however the debt purchaser has not provided this information to me and the account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
City National Bank has been provided sets of notarized documents XXXX times that I am owed funds from an account that was closed. A Cashier 's check was issued by City National Bank in the amount of {$2600.00}. A STOP PAYMENT WAS PLACED ON THE CHECK AND FEES WERE ASSESSED AT XXXX XXXX XXXX I request that a proper Cahier 's Check be issued to me and that all fees related to the Stop Payment placed on the previous check be paid by City National Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and I noticed accounts on my report that are not mines. The credit bureaus are violating the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy They are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. I never gave them permission to list these accounts on consumer report. Congress said I have the right to decide what I deem private. I deem any information on my account to be private, and I DO NOT WANT THIS INFORMATION SHARED 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and I noticed accounts on my report that are not mines. The credit bureaus are violating the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy They are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. I never gave them permission to list these accounts on consumer report. Congress said I have the right to decide what I deem private. I deem any information on my account to be private, and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
XXXX Legend is Blank. 
XXXX Legend is Blank. 
XXXX  Legend is Inconsistently Listed as Green OK. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns. 
Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
XXXX Legend is Blank. 
Experian Legend is Blank. 
XXXX Legend is Inconsistently Listed as Green OK. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns.

Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter to all 3 bureaus asking who authorized them to report a balance on the consumer credit report. Received response stating 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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter to all 3 bureaus asking who authorized them to report a balance on the consumer credit report. Received response stating verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a letter to all 3 bureaus asking who authorized them to report a balance on the consumer credit report. Received response stating 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
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: LEXISNEXIS
State: TX

Complaint narrative:
They send me a mail in which my mom gave me I read the information about a credit report I never got this before, but I did understand what it has says I talked about this with my parents and dont really get it when I told them, Ive seen many information and cause about many hackers coming into your phone a lot in which I wont know so much about it because im not usually on XXXX only to search about some words I dont know or about XXXX in which is my XXXX  and my information from XXXX, I had being hacked once on XXXX and my emails and other etc. and got my information on my social media from someone anonymous last year and other people send me messages from my phone number and emails as well. The only things I put on my emails is on social media and for XXXX and in my games, this is very serious because and not understandable into things like that and super slow to things I dont even understand, I understand this could cause something on my phone but I sometimes I dont know after clicking things I wasnt supposed to and I was afraid until knowing on my social media about the warnings that people go through in your phone I hope you can understand this letter because I am really bad at grammar.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert J. Colclough, III
State: TX

Complaint narrative:
XXXX, XXXX, XXXX and Allied Collection has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt is outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This is not the original creditor and I have no contract with Allied Collection and have never done business with them. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management, XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened with Midland Credit Management, this debt is not a valid credit transaction that happened between Midland Credit Management is 100 % false and incorrect and should be removed from my credit file with the credit agencies. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

Company response to consumer: Closed with explanation