vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the the Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is against Experian ID XXXXXXXX XXXX XXXXXXXX XXXX. These two agencies are joined together in the restoration of Identity Fraud, and the fallout of Identity Fraud. Experian ID XXXX XXXX was contracted by XXXX XXXX XXXX XXXX to help with the results of my Identity being compromised by a Data Breach -- within XXXX XXXX. This placed my Personal Info. out for the World to see. My consequences due to this XXXX XXXX have been very financially draining, and have consumed 2-3 hours daily in the monitoring and repair of my financial situation brought about due to this XXXX XXXX. And the needed repair seems to be never-ending. XXXX XXXX has also joined with Well-Path, as a Provider of XXXX XXXX, and thus both are involved in this Data Breach. 

Experian ID works and XXXX XXXX in combination, offer ID Restoration and Recovery that I would recommend to no one. Their talk is great, but their results are no where to be seen. I filed a complaint against this Company on XX/XX/23, and it of course remains unanswered. During this entire time, I have requested from my Restoration XXXX, XXXX, the name and contact info. of the Supervisor, and also her Supervisor. There have been countless requests for the Supervisor 's name and contact info. over several months. I also requested the name and contact info. of the Supervisor within my CFPB complaint and again this complaint remains unanswered. Having to deal with a 2nd rate Company, in addition to the fallout relevant to identity theft -- transistons in to a predicament that I would wish on no one. I have lost {$8800.00} due to this identity theft which was drained out of my retirement savings with XXXX XXXX. And this was after I had deactivated and XXXX all my XXXX XXXX accounts. The total amount of money that Experian has helped me recover is {$0.00}!!! This has been a waste of time. And I was counting on Experian ID XXXX for help, as this is my first encounter with identity theft, and I have no training in this area.

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 2023-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
To Whom It May Concern : I am writing to express my dissatisfaction with Navient, my student loan servicer. In 2005, I consolidated my student loans with a different company, agreeing to a 2.25 % interest rate for 25 years. However, a few years later, my loans were sold to Navient. Navient informed me that my interest rate had increased to 2.85 % and that my repayment period had been extended to XXXX. As a result, my monthly payments increased from {$220.00} to {$280.00}. 

I have been paying my student loans faithfully for many years, but my balance has not decreased significantly. In fact, it has actually increased from {$43000.00} to {$52000.00}. I believe that this is due to the high interest rates and the extended repayment period. 

I am also concerned about the way that Navient has handled my account during the COVID-19 pandemic. I was unable to work for almost a year due to an injury, and I requested a pause on my student loans. However, Navient told me that I was not eligible for pause, and they instead placed my account on a forbearance. during this time i was out of work for almost a year. then i found out they took money out of my bank account without informing me. As a result, I was still required to make monthly payments, even though I was not able to work. 



I am writing to you asking if Navient practice and legal and legit. Ii had other loan and mortgage in the past that change lender, but can they change the terms and payments plan legally without my permission. I also want to know what legal right do I have in regard to my circumstance. 



I would appreciate it if you would contact me as soon as possible to discuss this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm reaching out in regards to inaccurate information on my Credit Report with all 3 reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy Court submitted the discharged result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to Experian and XXXX. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Having trouble closing deceased family accounts at PNC bank since XX/XX/XXXX. I went to bank location in XXXX MD with family members information and was told accounts were closed and XXXX XXXX would be scanned and placed on file. I returned tio follow up and Manager was no longer at the location and New manager explained info. was not scanned or on file. 

Recently followed up with another PNC location XXXX XXXX XXXX XXXX on XX/XX/XXXX. Spoke with rep. who advised I needed letter of administration to close account. I explained it's been 4 yrs. and i was told I only need the Death cerfificate and other identifying information to close and remove funds from account. 

On XX/XX/XXXX, XXXX recieved notice from PNC that an unknown person charged {$55.00} to my deceased familys Debit checking account. That evening no one could help telephonically at PNC from the telephone number listed. 
There was no signature of who sent this letter. or the other letter received stating an account was paid in full. 
I am asking for the closing of this account and funds be forwarded. I am the decedents daughter and have been diligently working to close these accounts since XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An amount of XXXX $ had to be paid that I forgot to pay but now I paid the full amount still collection is appearing on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: MI

Complaint narrative:
I got a 2 virtual visa gift card that were issued on XX/XX/2022 from prepaid digital solutions, one for {$25.00} and another for {$73.00}. I tried to use the card several times in XXXX  but both failed. Ive called the company but they were no help as they says the cards have expired, are closed and funds are forfeited. They do have an expiration date of XX/XX/2022 but Ive tried to use them before they were expired and always had trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
; Hi my name is XXXX XXXX, and my citi checking account ending in in # XXXX was closed down XXXX XXXX for no reason. I called the customer service at least a handful of times with no success of getting a reason. I have now visited the branch over four times now and I have still not gotten any response into why my account was closed. I have also talked to the bank manager XXXX XXXX at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. After talking to her I still do not know why my account was closed. I have my hard earned money in my account and my tax returns I received just a couple of days prior locked in my account with no real answers of why and when i will get my money back from citi bank and this branch. They are stating that my tax returns are fraudulent as if they are tax experts or accoutants but with no proof that i did anything wrong besides assumptions. On the other hand I have came into the branch with my identifications, my irs proof showing the amount that I was suppose to receive and the citi # XXXX it was suppose to deposit in, Everything on my end matches up. My name, my ssn, my dob, my refund amount and proof of it from the irs websites and my acct. lastly the irs before sending out the refunds they review it so if there was a problem with it, they would not have sent it out to me. I just want to be treated as an equal, when I have been in the branch, I see how im treated and looked at compared to the other people in there that do not have the same pigment in their skins as I do. They get there money with a smile from the clerks, but I ask for mine and it a problem for a XXXX XXXX  to have money, it must be a scam, it must be fraudulent. I have been disrespected and most importantly not getting any help on how I will be getting my money back.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It appears that bankruptcy XXXX  XXXX is incomplete and inaccurate on my credit report remain a faurd which close as order by the judge XXXX XXXX stated that XX/XX/2019 bankruptcy have been closed due to non verify information on credit report, so she submitted the documents to Experian fail to respond. Also department of XXXX submitted that 7 accounts with XXXX balance and it's been discharged completely off my credit report. I am requesting a investigation under the FCRA to removal of theses items of 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 explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In the past year as of XX/XX/2022, I have notified XXXX that 2 bankruptcies that XXXX continues to report as accurate and verified is still being reported on my report. Fact is since XXXX of XXXX  XXXX of which XXXX has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that XXXX persists to be accurate and verified. Turns out that XXXX has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to XXXXXXXX XXXX  unconscionable and illegal business practices of which they XXXX  DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In the past year as of XX/XX/2022, I have notified XXXX that 2 bankruptcies that XXXX continues to report as accurate and verified is still being reported on my report. Fact is since XXXX of XXXX  XXXX of which XXXX has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that XXXX persists to be accurate and verified. Turns out that XXXX has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to XXXX 's unconscionable and illegal business practices of which they XXXX  DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX and XXXX XXXX from 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

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 2023-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I do not have the dates of alleged information and I was not given any breakdown of fees and treatments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding the unjust investigation of three fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. 

To begin with, I want to emphasize that I only have a XXXX XXXX account since XX/XX/2023, and the two fraudulent transactions of {$110.00} and {$30.00} were both made from XXXX. I have no affiliation with XXXX-XXXX, and these transactions are undoubtedly fraudulent. Furthermore, a third transaction of {$4.00} was made at a place called " XXXX XXXX XXXX. '' As a XXXX, I do not consume candy, and I have no knowledge of such an establishment. 

I have taken all necessary steps to address this matter promptly. On XX/XX/2023, I filed a police report at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. A detective is currently handling my criminal case, further validating the seriousness of the situation. 

However, when I spoke with a female supervisor from TD Bank 's US headquarters on XX/XX/2023, I was shocked to learn that the investigation had been closed without a satisfactory resolution. The supervisor 's explanation that the transactions were not fraudulent because the thief would not stop at three transactions in a day and that I must know the perpetrator was both baseless and unfair. It is essential to note that TD Bank had already closed my account and reissued me a new card, making it implausible for additional transactions to occur with the canceled card. 

I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has severely infringed upon my customer rights. 

Therefore, I kindly request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TD Bank rectifies their significant errors promptly. I demand that the amount of {$110.00}, {$30.00}, and {$4.00}, which were fraudulently taken from my account, be permanently credited back to my account without any further delays. Additionally, I expect to be treated with the respect and dignity that every customer deserves. 

Attached to this complaint letter, please find my new TD Bank debit card information for your reference : Name : XXXX XXXX XXXX number : XXXX Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the the Fair Credit Reporting Act XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought my written instructions.

Company response to consumer: Closed with non-monetary relief