vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
To whom it XXXX concern, Attached you will find information I have found to be inaccurate and needs to be deleted from my report immediately.

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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I began alignment treatment with the XXXX XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX has filed for bankruptcy, thus is no longer in business. I was unaware that this was a possibility when just a few months prior I requested for another extension of my treatment. Of course the worker helping me either, didnt know, or couldnt tell me, that I would not have the opportunity to continue treatment. In all honesty, I have received countless emails from XXXX XXXX XXXX to pay off my account early and to buy retainers before my treatment was finished, and no attempt to connect me with my supervising dentist XXXX XXXX about how to finish my treatment. When I described by concerns being a fit issue, I was recommended to file my aligners down when the issue was that they were too small ( Contacted them XXXX ). 
In XXXXXXXX XXXX XXXXXXXX, I was approved for my touch up, and I requested to receive a scan in XXXX, to avoid further fit issues. Those aligners never shipped, and my appointment wasnt scheduled, and the rest of that treatment didnt go well. By XXXXXXXX XXXX XXXXXXXX, I contacted both HFD XXXX XXXXXXXX because I couldnt access either account. I think this is concerning to me because XXXX XXXX HFD worked deliberately to only access my account for payment, but no value for me as a customer. Healthcare Finance Direct was only the payment processor for XXXX XXXX XXXX. I was unable to gain access to my XXXX XXXX XXXX account because the app shut down, and then couldnt gain access to my HFD account. I also reached out to HFD and Better Business Bureau to discuss my concern about continuing payments for incomplete treatment. I have also reached out to my credit card company to help, and they couldnt stop payments without the approval from HFD. XXXX has not reached out to me to help, but instead sent HFD to collect payments. I have been dealing with this issue for the last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I am officially challenging you to review your data on file for me! I need you to fix any inaccuracies or deficiencies of reporting. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under XXXX XXXX compliance and FCRA law. This will ensure that youre meeting deadlines while maintaining accuracy! 
Attached a summary of the data in which I am challenging :

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 2024-04-13 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: PA

Complaint narrative:
I believe FCRA 605B says we must remove any wrong accounts from my credit report. Can you check the documents? Some of the accounts listed are wrong in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
I am writing to file a formal complaint against the TransUnion, XXXX and XXXX for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/XXXX has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/XXXX  has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX  actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by TransUnion, XXXX and XXXX. This action is a clear violation of both XXXX and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to TransUnion, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that Transunion cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my 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 non-monetary relief
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
I am writing to file a formal complaint against the XXXX, XXXX and Equifax for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/XXXX has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/XXXX has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX  actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX, XXXX and Equifax. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
I am writing to file a formal complaint against the XXXX, Experian and XXXX for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/XXXX has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of EducationXXXX  has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX  actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX, Experian and XXXX. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my 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 non-monetary relief
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge Experian, XXXX, and XXXX to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : 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 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 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 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 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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to express my dissatisfaction and frustration regarding the recent closure of my business checking account with Chase Bank XXXX My business, XXXX XXXX XXXX XXXX, has been a valued customer of Chase since XX/XX/XXXX, and I am deeply concerned about the abrupt closure of our account. 

XXXX XXXX XXXX, I received a notification stating that my business account was being closed due to reasons unspecified. This action has had severe repercussions for my business operations, including disruption in cash flow management, inability to process transactions, and uncertainty regarding the status of pending payments and payroll. 

As a legitimate business entity, XXXX XXXX XXXX XXXX has always maintained full compliance with all regulatory requirements and has never engaged in any unlawful or suspicious activities. Therefore, the closure of our account without prior warning or explanation is not only unjust but also detrimental to our business reputation and financial stability. 

I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my account and reconsider its decision. Additionally, I urge you to promptly release any funds held in the closed account and facilitate the smooth transition to a new banking institution. 

Furthermore, I expect Chase Bank to review its internal procedures to ensure that such arbitrary actions are not repeated in the future. Transparency and clear communication are essential in maintaining trust and fostering positive relationships with your customers. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Please contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXXE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/year>, I called Navient after losing my father 3 days before to let them know that my co-signer that was paying my student loans passed away and that I would not be able to maintain the current payment that he was making as I just had my XXXX XXXX XXXX XXXX prior. I was told that they would review and recalculate the amount that I would need to pay based on my financial profile. Navient never changed anything about my payment, they continued to suggest that I defer my loans which just increased the interest on my overall owed debt and eventually the amount that they were asking was far more that what I would be able to pay and live. I was never met with any type of doable payment and was even told the only way that other options would open up would be for me to lapse in payment and go into default. Eventually I gave into the suggestion. I made sure to answer anytime that navient called, even the times that they harassed me about where my co-signer ( e.g. my dead father ) was even after I provided them a death certificate numerous time. They frequently call my mother asking for my father ( her late husband ) causing her agony and grief. This company never intended to make my loans that faithfully had been paid prior to my fathers death payable, their only goal was to ensure that I would always be indebted to them and never have the ability to maintain a livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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