vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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:
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 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : 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 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 2024-01-29 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-29 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: GA

Complaint narrative:
I havent did anything on my credit report in over 10 years do to XXXX  some one has been using my name etc trying to get cards an purchase things some stuff have actually been obtained by them now I have debts an hard inquiries thats not me I notified some of the companies with no answer or actions on any level

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Starting in XX/XX/2023 I made several credit card purchases with a Citi Bank credit card where I had previously rolled a larger purchase into an installment loan at a favorable rate ( approx 5 % ). 
I judiciously prepaid these subsequent card purchases in advance of the billing cycleto avoid the 22 % + standard credit card interest rate. 
Citi inappropriately charged me interest on these subsequent purchases at the high rate. Their bankers pointed out that my prepayment in advance of the billing cycle caused a system glitch whereby the normal hierarchy of payment applications didnt work. They refunded my interest twice but claimed they could not refund more than twice ( regardless of it being their system error ). Something is wrong and many customers may be getting over charged.

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 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
CREDITOR : XXXX  Date reported XX/XX/year> DATE ASSIGN : XX/XX/year> AMOUNT XXXX Account # : XXXX I have collections that don't belong to this account which can cause harm to my credit. Also getting reported on different accounts under different names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I havent did anything on my credit report in over 10 years do to XXXX  some one has been using my name etc trying to get cards an purchase things some stuff have actually been obtained by them now I have debts an hard inquiries thats not me I notified some of the companies with no answer or actions on any level

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 2024-01-29 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: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sentry Credit, Inc.
State: NJ

Complaint narrative:
This is not my account or debt I disputed it with the credit bureau several times they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There should be no other addresses on my report. I demand for each Transunion, XXXX, and XXXX to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.

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 2024-01-29 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: VA

Complaint narrative:
I submitted a dispute through Experian regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of XXXX XXXX ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but XXXX XXXX fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
When I was approved to the loan 2 years ago I didn't have good credit and wasn't making a lot of money but the bank still approved me for the loan with a high interest rate knowing that at some point I wouldn't be able to keep up with the payments. Now that I'm out of work I can't afford my monthly payments and my credit score has decrease. I believe the bank did this on purpose so that they can capitalize of the negitive equity as Preditory Lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
My loan is currently being serviced by Mohela, and I am utilizing PSLF.

I began repayment post COVID, with my first payment in XX/XX/XXXX, and my second in XXXX of XXXX. However, my XXXX payment did not get billed and I was notified in XXXX ( after I had made my payment ) that I was placed in administrative forbearance. I had several phone calls with Mohela to clarify this, and shared my intention was to complete by 120 payments in XX/XX/XXXX, so I did not want to do anything to jeopardize this. I was willing to make a XX/XX/XXXX payment, if they would just tell me the amount and enable a way for me to do this. This was declined and I was told that my XXXX payments also should not have been made, and that these could either be returned to me, or applied to a future payment. I requested they be applied to a future payment. However, in XXXX I was once again billed, and these were not applied to the XXXX payment, so I went ahead and made my XXXX payment. I called Mohela again and they told me that my request to apply to future payments was not processed and they would instead process a refund. 

The online system shows my payment count short of 120, with the XX/XX/XXXX payment showing as ineligible as I was in administrative forbearance - the forbearance I did not request to be put in, and the one that multiple representatives assured me would count towards my payment count, even though I was prevented from making an actual payment. 

I have already spent hours on the phone with Mohela trying to resolve these issues. I have just received a XXXX bill. I do not have my refund back for XXXX and XXXX yet. I feel like my only option is to go ahead and pay XXXX as well, because it does not seem that XXXX is going to be updated anytime soon, and I desperately want to get to the 120 payments and be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
FREEDOM MORTGAGE LOAN AN ADDITION {$1600.00} DOLLARS IS BEING PULLED FROM MY CHECKING ACCOUNT LAST MONTH. This appears to be continuing each month as they are projecting I will need insurance in XXXX when my current policy becomes due. I will continue my current policy, but some how Freedon Mortgage has predicted on a letter from them dated XXXX that I should begin prepaying my escrow account based on their best ( unfounded Guess ). this will result in me being charged at the current rate of {$1600.00} X XXXX = {$19000.00} ALL with no found reason an expense I can not afford to wait to be refunded or resolved. 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 explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the removal of a fraudulent account on my credit reports by the credit bureaus. I have discovered a fraudulent account that was opened under my name and I have written a letter to the credit bureaus requesting their thorough investigation into this matter and the removal of this fraudulent account via USPS Certified Mail on XX/XX/2023. However, they did not conduct an investigation and refused to remove this fraudulent account from my credit file. These are the details of the fraudulent account : Creditor : XXXX XXXX ; Account number : XXXX ; Balance : {$450.00} ; Date opened : XX/XX/2023. Upon discovery of this fraudulent account, I immediately took steps to address this matter, including filing an identity theft report with the FTC and placing a fraud alert on my credit files. Despite my efforts to remove this product of identity theft, the account remains on my credit report, continuing to negatively impact my financial standing and credit health. Under the Fair Credit Reporting Act and the Consumer Protection Act, I am entitled to have fraudulent accounts removed from my credit report. Therefore, I request the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this fraudulent account from my credit records.

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 2024-01-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the removal of a fraudulent account on my credit reports by the credit bureaus. I have discovered a fraudulent account that was opened under my name and I have written a letter to the credit bureaus requesting their thorough investigation into this matter and the removal of this fraudulent account via USPS Certified Mail on XX/XX/2023. However, they did not conduct an investigation and refused to remove this fraudulent account from my credit file. These are the details of the fraudulent account : Creditor : XXXX XXXX ; Account number : XXXX ; Balance : {$450.00} ; Date opened : XX/XX/2023. Upon discovery of this fraudulent account, I immediately took steps to address this matter, including filing an identity theft report with the FTC and placing a fraud alert on my credit files. Despite my efforts to remove this product of identity theft, the account remains on my credit report, continuing to negatively impact my financial standing and credit health. Under the Fair Credit Reporting Act and the Consumer Protection Act, I am entitled to have fraudulent accounts removed from my credit report. Therefore, I request the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this fraudulent account from my credit records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to report inaccurate information on my consumer report without my permission and they do not have authority to do so. My name is XXXX XXXX there should be no other names on my report, my ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deleted any other addresses. Any number listed is not mine and should be deleted immediately. Furthermore my name and any other property belonging to the estate of XXXX XXXX is copyrighted and LexisNexis does not have the permission from the estate to use the likeness of any of it's property to sell for profit of LexisNexis. Since I have equitable interest in my estate this encroachment has caused me serious harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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'm writing to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

Company response to consumer: Closed with explanation