vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: CA

Complaint narrative:
Checking my credit report a few months ago, I discovered errors regarding the account of XXXX  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The following Hard Inquiries are fraudulent and doesnt belong to me. Needs to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to SYNCB/HOME. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-07-29 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: TX

Complaint narrative:
Experian XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX The late payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is inaccurate and needs to be corrected. My mortgage is not deferred. I am current and not deferred on my mortgage. Please remove the deferred comment. Also, remove the comment of account in forbearance as that is in correct. This is my XXXX request with documentation. XXXXXXXX XXXX XXXX XXXXXXXX XXXX loan XXXX loan was transferred to XXXX XXXX XXXX XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXXXXXX XXXX. Remove the late payment as my account was closed with XXXX XXXX XXXXXXXX XX/XX/XXXX. This is my XXXX request. XXXX. XXXX XXXX Credit Card XXXX account has been paid for in full. Still reporting it as a charge off and written off even in XX/XX/XXXX. This account has been closed and paid off. This is my XXXX request in mail and in writing to correct this account and you are still not reporting it correctly. XXXX. XXXX XXXX. This account has been closed and paid off since XXXX. You are reporting is as a charge off. This is my XXXX request in mail and in writing to correct this account and you are still not reporting it correctly. XXXX. XXXX XXXX XXXX reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my XXXX request in mail and in writing. XXXX. XXXX XXXX XXXXXXXX reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my XXXX request in mail and in writing. XXXX. XXXX XXXX Credit Card. I do not have an open credit card with XXXX XXXX XXXX. You are reporting an open account when I do not even have an open credit card or bank account with this bank. This account was paid in full and closed in XXXX. This is my XXXX XXXX. XXXX XXXX XXXX XXXX do not have an open auto loan with XXXX XXXX XXXX. You are reporting an open account when I do not even have a bank account with this bank. This account was paid in full and closed in XXXX. This is my XXXX request.

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 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8400.00} in accordance with XXXX Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to USAA Federal Savings Bank/ USAA Credit Card Payments on XXXX XXXX, 2024 ( XX/XX/2024 ). They accepted my instrument, but did not credit my account correctly. I did call on XXXX XXXX, 2024 and spoke with XXXX who submitted the dispute and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My Chase checking account went negative due to a low balance fee but I didn't receive any notification from them. After a month, they charged a second fee but still no notifications. I don't check that account often so I had no idea this was happening. One day I checked and immediately transferred money to cover the negative balance. During the time it took to transfer the funds, Chase charged me a XXXX fee, so I made another transfer to cover that too. Then a day later, the account simply disappeared. I could no longer see it online nor could I access past statements or tax documents. It had simply vanished and still no correspondence from Chase. So I called Chase and they confirmed that the account was automatically closed due to a XXXX balance for XXXX  days. I asked them to send me all of my statements and they complied. I asked why they hadn't sent me any notifications and the agent changed the subject. When I tried to ask again, he spoke over me on some other topic so I gave up. 
My complaint is not about the fees because I recognize that part is XXXX XXXX on me for overlooking those specifics in the terms and conditions. My complaint is that I received zero correspondence from Chase. Not an email, call, text, push notification... nothing, not even in my spam folders. While this ordeal didn't really impact me much, I feel that this could really hurt others who get blindsided by this as I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: WA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX  Transunion 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 2024-07-26 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX  Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-07-26 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX  Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-07-26 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-26 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: PA

Complaint narrative:
XXXX XXXX XXXX forced me to pay {$170.00} to remove a XXXX  off my credit profile on a insuance policy that was cancelled... i paid the XXXX  off in full so please update to paid and full or delete from my credit report the recietps are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: PA

Complaint narrative:
XXXX XXXX XXXX forced me to pay {$170.00} to remove a XXXX  off my credit profile on a insuance policy that was cancelled... i paid the XXXX  off in full so please update to paid and full or delete from my credit report the recietps are attached

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-07-26 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of XXXX XXXX and fraud. These fraudulent accounts consist of a XXXX cable account opened XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX account opened XX/XX/XXXX Account number ( XXXX ), XXXX XXXX account opened XX/XX/XXXX Account number ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 2024.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.

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 2024-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: WA

Complaint narrative:
I accepted federal student aid for college in 2017 from Ed Financial. My parents paid the interest between 2017 and 2020 on the loan amount. I graduated in XXXX  2020 and paid the remainder of my federal student loans in XXXX  installments and they were paid in full by XXXX 2020. 

In late summer/early fall of 2022 ( I am in the process of obtaining my phone records ), we contacted Ed Financial to inquire if I qualified for student loan XXXX  even though I had already paid the loans in full. I was told by the customer service representative that I was eligible and they could send me a check in the amount of {$20000.00}. I received a check in XX/XX/XXXXXXXX  2022. There was no verbal agreement of the terms and conditions or a document to sign indicating my knowledge and understanding of the terms and conditions. 

In XXXX  2023, I began receiving emails indicating I had a balance in the amount of {$20000.00} plus interest and my payments were past due. Of course, I thought this was a mistake so I began calling Ed Financial. Please see the attached phone call log documenting each phone call to Ed Financial. 

I was never informed this forgiveness was expected to be paid back in the future. I would never have accepted the forgiveness check if that had been explained to me. My parents wouldn't have worked hard to pay the interest while I was in school, for me to then pay my entire loans off in XXXX to then turn around to owe them again. 

After I made XXXX phone calls to Ed Financial since XXXX  2023, the customer service representative indicated in XXXX  2024 that this was a XXXX refund and I am required to pay the money back. She also said my loan is in " XXXX XXXX '' and has been since XX/XX/XXXXXXXX  2024 although there has been no resolution. This will hit my credit in XXXX  2024 and will ruin my perfect credit score. 

In all phone communication with Ed Financial prior to XXXX  2024, they indicated that they had changed loan servicers and that it was most likely a system error because they could see my loans were paid in full. It was never made clear to me until XXXX  2024, that I am actually likely being billed for the XXXX  check. Ed Financial has committed acts of unfair, deceptive, misleading, and abusive practices. 

Thank you in advance for helping me hold Ed Financial accountable and helping me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: AL

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