vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
To whom it may concern, 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. 
My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Please delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send and updated credit report once the changes are complete to my contact information listed : My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Sincerely 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. 
My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Please delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send and updated credit report once the changes are complete to my contact information listed : My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-11-04 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:
these 3 items do not belong to me XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX i have attached an id theft report and a copy of my police 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 2024-11-04 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: LEXISNEXIS
State: FL

Complaint narrative:
these 3 items do not belong to me XXXX XXXX  XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX  XXXX  Account number XXXX i have attached an id theft report and a copy of my police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: MA

Complaint narrative:
In Accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681.

1. Us dept of education TransUnion : account number XXXX XXXX : account number 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 an 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 these following items of information

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 2024-11-04 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: VA

Complaint narrative:
This is In regards to the XXXX  XXXX response that was received. XXXX XXXX pretty much stalled when they sent out a letter and response supposedly wanting to verify it was me doing the dispute when they knew it was me doing the dispute because I called prior and spoke about the information being on my credit report and how it was wrong and misleading ( I have the conversation recorded ) this was prior to me even submitting a cfpb report which they can check here logs and see I called and they sent a letter stating how they were still going to report the account charge off monthly. This is googled information and a fcra law about misleading reporting. Misleading is multiple charge off reporting! Charge off are only done ONCE they do not report monthly at all. it reports the date it charged off and that still in charge off status since date of charge off NOT each month should not identify as a charge off. The second account was sold to a collection agency I already have that handed with them. The account starting XXXX this account is reporting the multiple charge off and late payments. So since you're listing what you're suppose to do you're also suppose to follow the fcra laws that apply tp this account and you're not. Per FCRA 15 USC 1681 A ( 2 ) ( A ) ( i ) -Exclusions- transactions are not included on the credit report. LATE PAYMENTS ARE A FORM OF A TRANSACTION. With late payments reporting to the credit report this is a direct violation of the FAIR CREDIT REPORTING ACT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. As shown you are doing exactly just that.I disputed multiple times to experian for XXXX  XXXX which are the ones you received. In your response you stated " XXXX XXXX reports the account 's credit data to the credit bureaus and the credit bureaus decide how to use the information reported to them and each may use the information differently. XXXX XXXX has no control over what the CRAs do and do not report. '' You have to report correct information and when I spoke with experian they always say to contact you because when I dispute they send it to you and you verify that what they are reporting is correct even though its not!

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to file a formal complaint against Equifax for ongoing issues with inaccurate reporting on my credit profile, along with their repeated failure to conduct accurate investigations into my disputes. Equifax 's actions have not only harmed my financial stability but have also caused significant emotional distress due to the repeated denials and humiliation I have faced. 

Here is a summary of the key issues I am experiencing : Inaccurate Reporting and Inadequate Investigation For years, Equifax has incorrectly reported multiple items on my credit profile, specifically my student loan accounts. Despite numerous disputes submitted by me, Equifax repeatedly failed to address or correct these inaccuracies. It was only after my final dispute, sent with a comprehensive invoice and formal demand for investigation, that Equifax finally removed these accounts, providing proof that their prior investigations were either incomplete or inaccurate and in violation of my consumer rights. 

Emotional and Financial Impact The extended period of inaccurate reporting has resulted in numerous denials and setbacks, including multiple credit denials and the resulting financial impact. This has led to feelings of depression and humiliation, significantly affecting my well-being. Equifaxs failure to investigate thoroughly, as required under the Fair Credit Reporting Act ( FCRA ), has exacerbated my distress and has impacted both my emotional and financial life. 

I am asking for the CFPB 's assistance in ensuring that Equifax complies with federal law, compensates me fairly for the harm caused, and adopts better practices in handling consumer disputes moving forward. I would greatly appreciate any help CFPB can provide in expediting this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: NM

Complaint narrative:
My monthly payments were set to increase from XXXX to {$1700.00} due to an escrow miscalculation. I asked for an explanation of why the miscalculation so egregious and was sent an explanation of my bill, which is not what I asked. 

I asked if I could pay {$1200.00} of the escrow shortage to reduce my monthly bill, and they promised my monthly bill would be {$1500.00} per month. 

I decided to pay a a lump sum of {$1500.00} and they adjusted my bill payment to {$1500.00} per month. I payed {$300.00} more than I said I would, yet my bill is still {$1.00} higher than what they promised me. A {$1500.00} payment should have lowered my bill to {$1500.00} using the formula they gave me. 

In short, Homeloanserv promised, in writing, that my bill would reduce from {$1700.00} to {$1500.00} if I payed {$1200.00}. I payed {$1500.00} and they reduced my bill to {$1500.00}. They did not even reduce my bill to the previous calculation. Before this, they were so negligent of their duties that they drastically miscalculated my escrow, which raised my monthly payments by 20 %. 

Homeloanserv has an egregiously poor accounting process, and it is causing them to misadvise their customers. This is XXXX XXXX, and I am considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo Bank never reimbursed me for unauthorized transactions of my debit card or bank fees that added up to {$1400.00}. My account was closed for this and would like my reimbursement.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$450.00} XXXX XXXX BALANCED {$3700.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$120.00} 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 XXXXXX/XX/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 2024-11-04 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: MN

Complaint narrative:
Ive contacted Experian multiple times to remove an address not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX is the address to be removed. I havent given any creditor to add or share any personal information on my credit report! If anyone has a permissible purpose following US 15 C1681 please share 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA
State: CA

Complaint narrative:
Thousands of students were scammed by American Education Services ( AES ) into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As a matter of fact, The XXXX XXXX was investigated by The U.S. Department of Education. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX  XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of XXXX against XXXX XXXXXXXX XXXX, and my Fed. loans of {$48000.00} were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXX  settlement for which I was a full class member. 
I am aware that Pennsylvania Higher Education Assistance Agency ( PHEAA ) was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that AES was XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXXXXXX XXXX These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for PHEAA, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. After the AG settlement, didn't AES also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't AES have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't AES been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which AES is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? AES knows who we are. Under the FTC " Holder Rule '' AES is liable for giving predatory loans in connection with for-profit schools. Time is running out for AES to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to AESs CEO asking to discharge these loans NOW! It's time AES do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of multiple data breaches from XXXX and a XXXX therefore, I need the accounts that been exposed, compromised, and/ or illegally opened as a result of these breaches, permanently deleted.

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 2024-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to use my Victoria Secret credit card in a store located in XXXX, North Carolina. Once I submitted my Victoria 's Secret store credit card for payment it was declined. I exited the store and immediately contacted the customer service phone number located on the back of the Victoria 's Secret credit card. 

The customer service representative informed me that my account had been closed due to lack of activity. I was told I would have to allow her to run a credit check in order to be able to use the card. 

I declined to submit to providing my information for a credit check as an inquiry could have possibly lowered my score. I was unaware as to why as a card holder in good standing I would have to submit to a credit check. I never received anything in writing informing me that I would be subjected to such treatment. 

On XX/XX/XXXX, Comenity Bank/Victoria 's Secret ( again ) closed my credit card due to inactivity, and this time my XXXX score declined by XXXX points and I was told the card would not be reopened. I would be able to apply again in 30 days if I wanted to be considered for another card. 

I am filing a complaint for misinformation about the status of my card ( XX/XX/XXXX, referring to the account being closed ) and the subsequent closing of my and the harmful effects to my credit despite my attempt to try to use the card. 

As a form or remediation, I would like my card reinstated as I was falsely told it was closed, and later told the same thing and was not offered the option to conduct another credit check. Also, I would like to report that the practice of re-running my report for a card currently in good standing seems like an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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