vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I submitted a dispute through the mail to the credit bureau back on XX/XX/ and it seems as if nothing was done. I am a victim of identity theft. I sent the required documents they asked for which were a copy of my driver 's license, FTC report, and social. There is still information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: NC

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX unit XXXX 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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
The student loans were past due from XX/XX/XXXX due to financial hardship. On XX/XX/XXXX Citizens did an offset from our bank accounts ( myself and my son ) and debited the money, to pay the loans from XX/XX/XXXX to the month of XX/XX/XXXX. In error, they debited the XXXX payment on XX/XX/XXXX, which wasn't due until XX/XX/XXXX. I put in a complaint and they credited my account on XX/XX/XXXX for the XXXX payment. 

AS OF TODAY, XX/XX/XXXX the payments that were debited have " not '' been properly credited to the accounts, on Citizens and Firstmarks operating systems. Previously, I have spoken with numerous agents and XXXX Supervisors and XXXX and they are still showing the accounts as 136 days past due {$480.00} pymt {$15.00} late charges/ {$930.00} past due pymt {$28.00} late charges and {$830.00} pymt past due late charges XXXX. When in fact, the account was paid current on XX/XX/XXXX. No one at Citizens Bank knew who how to correct this error or could explain why the payments haven't been posted. 

Today, I was transferred to numerous departments and requested to speak to a Supervisor, however I was not transferred to a Supervisor. In addition, Citizens has reported that these accounts were negative and they show as a major derogatory event, as past due 120 days to the Credit Bureaus on XX/XX/XXXX, which affects my credit score. When in fact the account was paid current on XX/XX/XXXX. 

On XX/XX/XXXX I also requested a detailed account payment history for all of my loans from inception to current and was told I should get them via email and NEVER received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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 called Equifax to get my credit report on XX/XX/XXXX  and after receiving it noticed there were some hard inquiries that do not have permissible purpose according to 15USC 1681b.I also attached my credit report and letter showing that XXXX is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I have been trying to get student loan forgiveness for years now I havent been working. Havent been able to find work been in the hospital. I dont have a way to pay any of it back. What do I need to do to get the student loan forgiveness Im just not able to make the payments at all, havent worked for years because of XXXX problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist assumed my mortgage from XXXX XXXX in XX/XX/XXXX. I was notified by Truist in XXXX that they had assumed the loan, and set up ACH automatic payments to be paid directly from my financial institution to Truist at the address they provided. Each month from XX/XX/XXXX- XX/XX/XXXX, the ACH funds were deducted and a check was mailed to Truist at the address on file. Each month, I called to confirm that the payments had posted, yet in XXXX Truist claims they did not receive payments. 

In XXXX, I contacted Truist again and asked to launch an investigation into the source of the ongoing payment issues. XXXX XXXX, and my financial institution representative worked to investigate the issue : it was determined that the remittance address that was saved in the ACH system was incorrect. We quickly worked to make the necessary address changes, I made several Overpayments to make the account current. Yet, Truist refused to report their clerical error to the credit bureau. This has resulted in many negative consequences to my consumer lending. 

I am trying to refinance my home. I need help from you since Truist is refusing to assist in clearing the reported late payments for XXXX XXXX. Please expedite this process if possible. 
I have attached all supporting documentation for your review. 


Thank you! 

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 2024-01-10 00:00:00
Product: Credit reporting 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 currently have 5 addresses on my report that are incorrect as they are non- mailable addresses that I would like removed immediately. I have made several attempts with Experian to do so with no success and it's been difficult with them. So I am formally filing a complaint with the CFPB. 

The Fair credit reporting act 5 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is consumer reporting agency and I am the Consumer.

And according 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. '' and 15 U.S. Code 1681b Permissable purposes Experian is violating my consumer rights by having inaccurate information on my 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Duvera Billing Services, LLC
State: WI

Complaint narrative:
On XX/XX/2023. I signed a contract through " XXXX XXXX XXXXXXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about XXXX or XXXX payments. After I paid it off in full on XX/XX/2023, I contacted Easypay Finance when it would be reported, On the first call the agent claimed that the report would pop up in XXXX months. 2 Months later, on XXXX, I see nothing on my credit report so I wait until XX/XX/2023, to see if it shows up, nothing yet. I called Easypay Finance today at XXXX XXXX, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the XXXX agent and the agent sees nothing about Easypay Finance on my report or any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: AZ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: AZ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I emailed AfterPay to let them know I filed XXXX  XXXX bankruptcy on my account with them and that they should cease automatic withdraws from my account. They stated that they had stopped the automatic withdraws. I noticed another one was taken out for {$150.00} on XX/XX/XXXX of my account and I contacted them via email. They informed me on XX/XX/XXXX that they reviewed my account and I was owed a refund and that I should provide my bank account information. I have not heard anything back from them since XX/XX/XXXX and the only way to contact them is via email to which they dont respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have several cards with synchrony bank. They have reduced my credit limit twice due to " high credit utilization ''. However, by reducing my credit limit after I pay, they are the ones contributing to my high credit utilization. The card that it keeps getting reduced on is my Verizon credit card. I also have a Venmo credit card that they are holding payments to them. I called today and they stated that the payments I made to them on the XXXX of XXXX will not clear until the XXXX of XXXX. Again, contributing to my credit usage. 

It feels like synchrony bank is in the business of damaging people 's credit. 

I did call and speak with them on XX/XX/XXXX and again on XX/XX/XXXX. Once to report that a large charge was a scam and they stated they can't help with that and hung up on me. I tried making a payment to cover it and they are not clearing it, when I called, I was " transferred '' but got a dial tone. The second time I was actually transferred and told they could not help. 

The advice I was given from them was that I needed to report them to the credit bureau before they would discuss any further with 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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
The company refuses to allow me access to my account and funds even after following all of their instructions and procedures. I have tried XXXX times to access my funds through their own instructions and they refuse to give me access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX, XXXX, and Transunion, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I called what I thought was the number to chime to get my credit limit raised on my bank card through and he sent me to a link and he started taking money out of my account he said thats how you raise the limit I told him to put that money back in there and he just kept reassuring me he was returning the money he claimed to work for Chime he took XXXX dollars out of my account called the number on the back of my card and disputed all 3 transactions and they have denied me 3 times I have also went to my local police department and filed a report and also called my state attorney general I sent chime all my documents and they still denied my disputes I want something done I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief