vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion XXXX refused to remove all disputed hard inquires from my credit report ; although the inquires are there against my consent which is illegal according to the FCRA. If the issue is not rectified immediately, I will take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I 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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX XXXXXXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXXXXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX  Date : XXXX ( XXXX XXXX XXXX DATA Date : XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX ( XXXX ) XXXXXXXX XXXX Date : 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 2023-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX NOT PROVIDED XXXX {$190.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX NOT PROVIDED XXXX {$190.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if 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 2023-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I requested a refund on payments made to my student loan servicer EdFinancial during the COVID pandemic. My loan balance has since went up by XXXX. I have reached out several times requesting a timeframe for refund and everyone is telling me XXXX to a year. They wont even provide me with proof I requested refunds despite the balance going up. If the balance of the loan has gone up then I should have received my money. I am worried about interest accruing for money I don't even have on hand. 
I would like to receive the refund the way the payments were made ie into the checking account linked to my EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app closed my account that had {$760.00} in it. When I tried to reach out to someone at cash app I get the run around. I called and was hung up on twice. My account got taken on XX/XX/2023. I have been trying to get this issue resolved since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.

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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I tried to open an account with XXXX XXXX they advised me that a company called early warning systems had a bad report on me for checks. I explained to them in XXXX someone tried to use my bank account that I had with XXXX XXXX XXXX all my identity was stolen. I dealt with the same problem with XXXX XXXX  and they verified that it was fraud and that I had nothing to do with this. XXXX XXXX  removed it I also sent them a police report showing them my identity was stolen in XXXX, XXXX, then again XXXX this has been a on going problem I believe its a family member who lived with me. This person has opened accounts, credit cards, applied for apartment 's and charged cards up that i had. she has had my Identification, bank cards and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Recently upon reviewing my credit report I reviewed several tradelines reported by Ed Financial that were reported to my public consumer file on XX/XX/XXXX. The tradelines total up to over {$56000.00} in student loan debt. I am not familiar with Ed Financial. Upon reviewing the online account information by Ed Financial there is a paid in full status and a {$0.00} balance. Further I never attended XXXX XXXX  - ever. This is the reason that any loans pertaining to that school in my name were discharged. On XX/XX/XXXX I received a notice regarding the approval of my borrower defense case regarding all loans associated with XXXX XXXX. I in fact should be due a refund of over {$3000.00}. Ed Financial has reported an account that is of 12 years in age and is reporting that I owe over {$56000.00} in student loans. The reporting of the tradelines also state that a dispute was resolved and customer disagrees and that a last payment was made on XXXX XXXX. This is not factual information and is not in line with the Fair Credit Reporting Act. All tradelines reported to my public consumer file should be removed immediately. Please see the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: NM

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am seeking help with resolving fraudulent charges by XXXX XXXX from my Bethpage credit union checking account. On XX/XX/23 XXXX ( XXXX ) separate transactions of {$180.00} were debited frommy account by XXXX XXXX. I contacted the Bethpage Dispute Department to report the fraudulent charges. They advised they would refund the monies and investigate the charges. In addition to the fraudulent charges, I was penalized with XXXX ( XXXX ) courtesy pay fees of {$10.00} each and an overdraft fee of {$29.00}. On XX/XX/23 Bethpage credited my account XXXX ( XXXX ) charges in the amounts of XXXX each. On XX/XX/23 Bethpage debited my checking account XXXX ( XXXX ) charges of {$180.00} and an overdraft fee of {$85.00} from my savings account.I contacted Bethpage today XX/XX/23 about the debits on my accounts and was told that they completed their investigations and the charges by XXXX XXXX were verified and substantiated therefore the monies have been debited from my accounts and I take the loss. Beth page informed me that the XXXX XXXX activities were to XXXX. I know no one in XXXX and authorized no XXXX XXXX transactions.Appalling to me is that Bethpage  has no explanation on why there were no safeguards in place to protect my monies. After XXXX transactions of the same amount within the same timeframe, there ought to have been some red flags to shut down my accounts or verify the transaction with me. Instead, Bethpage allowed XXXX transactions for {$180.00} to be deducted from my account and unapologetically state this is unfortunate for me. I placed my monies in Bethpage thinking they had safeguards and insurance to protect my small assets.Incidentally on XX/XX/23, the same activities by XXXX XXXX were done to my XXXX XXXX account. XXXX transaction of {$180.00} went through and a hold was placed on my account when another attempt to withdraw the same amount was done. Unlike Bethpage, XXXX XXXX  had safeguards to protect my account from fraudulent activities and refunded my account for the fraudulent debit. Please, please assist me with regaining my funds and putting an end to Bethpage 's nonchalant operations. 
Bethpage operations sent me documentation from XXXX XXXX that satisfied their investigation. The documents listed my address incorrect, the funds were sent to XXXX and I know no one in XXXX, A XXXX XXXX was used and I don't own one, the IP address was from Texas and I am in New York. I look forward to your response and assistance. The dispute # with Bethpage is XXXX and I spoke with XXXX in their operations department. ( XXXX ) XXXX. 
Sincerely,

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 2023-06-14 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: IN

Complaint narrative:
I was making payments to the company off {$150.00} I thought this was my new payment. Then I received a call saying I was no longer enrolled in this program. My family of XXXX and XXXX XXXX  are struggling. The company asked for all my bills and I gave them everything and they could clearly see I can not afford to repay this without sacrificing food, housing, utilities and transportation for my family. No one cared and told me I was basically out of luck. Now I have defaulted on my loan and it is negatively effecting my credit score making it impossible to crawl out of this hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: OH

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX  has failed to respond according to FDCPA 15 USC 1692g sec 809 this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Experian and XXXX have inconsistency as far as this account goes. 

Experian reported this account being opened on XX/XX/XXXX XXXX reported this account being opened on XX/XX/XXXX Experian reported that the account number is XXXX XXXX reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal

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