vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: Early Warning Services, LLC
State: MI

Complaint narrative:
WITHOUT MY WRITTEN CONSENT, XXXX and Early Warning Services has UNLAWFULLY shared personal information pertaining to my credit and have violated Federal Law as well as the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, 15 United States Code 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX XXXX Solutions have not abided by these reasonable procedures. I have repeatedly instructed them to discontinue violating my privacy and they have failed to abide by their lawful agreement and ensure the fairness of me as the consumer. IT IS MY RIGHT to OPT OUT of their reporting of my information and their LAWFUL DUTY to discontinue reporting it. 15 United States Code 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( 2 ) also states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' As it relates to XXXX XXXX XXXX  I NOW REVOKE ALL WRITTEN, VERBAL, NON-VERBAL, ASSUMED and UN-ASSUMED or IMPLIED consent to furnish my personal credit information. Any and all consent to any creditors whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Finally, 15 U.S. Code 1681 ( e ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Under that explanation, XXXX XXXX XXXX and Early Warning Services are not abiding by those very reasonable procedures. So, per FEDERAL LAW, specifically 12 CFR 1016.7 which states that " A consumer may exercise the right to opt out at any time '', I am opting out of your reporting services. Discontinue your unlawful practices and provide WRITTEN confirmation that the above instructions have been carried out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: MA

Complaint narrative:
Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all 3 credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all 3 credit agencies.

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 2024-03-06 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.

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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Ive reviewed my report and noticed that I didnt authorize for this company to use my information. The dates are from XX/XX/2022 through XX/XX/2022.

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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
This is the second time that Coinbase unfairly and through no due process just decide to restrict my account because they somehow had suspicions of fraud. The first time I had filed a complaint was when they decided they need to verify my account, again without any justifiable cause. 

Withholding and preventing me from transferring my funds out of my account for 30 days is not only unreasonable, it is outright abuse of power. From posts in online communities, it is also obvious, this is a common trend and I am not sure why it's not important for Coinbase to fix this process. 

Lastly, I request Coinbase to give me access to my funds so that I can cash out and close my account. I hoped the first time you restricted my account that this is just a one-off glitch and I was just unlucky. But now, it doesn't look like it. 

If you have reasons to believe I violated TOS, please clarify so that I am aware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I lived XXXX XXXX from XXXX XXXX XX/XX/XXXX after I moved to XXXX XXXX 
XX/XX/XXXX My credit card limit was decreased from {$10000.00} to {$4300.00} and the reason shows delinquent/late payments. This prompted me to pull my credit report and it showed mis information which I did not recognize nor did I have any knowledge of ; a collections agency XXXX XXXX XXXX  on behalf of XXXX XXXX in XXXX I then called XXXX XXXX XXXX XXXX ( XXXX XXXX ) they advised there was a delinquent account but has since been placed in collections with XXXX XXXX XXXX XXXXXXXX XXXX rep stated an account had been open and used multiple times from XX/XX/XXXX through XX/XX/XXXX balance placed with collections showed {$2100.00}. I advised it was not me nor did I consent to any use of my personal information. The only time I used XXXX XXXX XXXX was when I lived XXXXXXXX XXXX at the following addresses while attending XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Immediately after I moved to the state of XXXX where I still currently reside. I filled a police report for identity fraud, I completed dispute forms required by XXXXXXXX XXXX Submitted I called for the company for the past 2 years and sttill no resolve. XX/XX/XXXX my credit score dropped XXXX points now im in the low XXXX Debt is currently with Transworld System Inc whom I contacted and advised of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-06 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-06 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I opened my XXXX XXXX  account for the first time in a long time and noticed that my credit score was atypically low. I usually have excellent credit and it is now average. Upon further investigation, I noticed that JP Morgan Chase was listed many times over, across several credit agencies. I have never opened a JP Morgan Chase card in my life. 

I spoke with XXXX ( ID Number : XXXX, Department direct line : XXXX XXXX XXXX ), from their Fraud department. He informed me that someone had opened an XXXX card in my name in XXXX and charged around {$4500.00}. I also noticed that on my credit report, my social security number is listed several times, as well as my email, as " compromised ''. To compound the issue, I just relocated to XXXX so I am limited in what I am able to do from here. I reported it as fraud with the company and now I am submitting reports with any agency I am able to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : 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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
They have been harassing me by calling incessantly since XXXX XXXX. They do not leaving a message, and I do not take calls from strangers or companies with whom I have no business. 

Today, I received a text message from them indicating that they are a " Debt Collector '' and using my daughters name in the body of the text. 

They harassed me and violated my adult daughter 's right to privacy. There is no point seeking resolution from them because the damage is already done. They can not undo it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-06 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: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
In XX/XX/2023 I applied for an income driven repayment plan. This remains in process as of today XX/XX/2023 without any clear update as to when this will be reviewed. I have submitted multiple inquiries regarding the status and attempting to expedite review with Aidvantage. Additionally I have utilized the Student Aid.gov grievance submission form on more than one occasion. I have not received any sort of meaningful communication from aidvantage aside from a message every few months stating they're reviewing my case. Most of my friends who graduated at the same time as I did have already been approved, therefore making managing their loans possible. I have been unable to have any control over or manage any of my loans since I graduated in XXXX XXXX XXXX 

Additionally I applied for student loan discharge as several of the loans were taken out on my behalf by a borrower who has since passed away. These loans were taken without my understanding what the implications were. Further loans that I had to take out were for a XXXX XXXX XXXX  that had ethically questionable practices and did not deliver what they promised to deliver per their handbook. I submitted information detailing many of the incidents that took place during my time in this program for review in XXXX XXXX Since then I have received correspondence from aidvantage several times stating there is someone reviewing my case without any clear update. 

Because of the delay, my loans have been placed on administrative forebearance WITHOUT my consent. Because of this I have not made any progress in paying back my loans or working toward forgiveness even though I am working for a company, accepting far less pay than my peers that is considered non-profit for the purpose of 10 year service based student loan forgiveness. Had my initial income driven repayment plan be reviewed in a timely way, I would be working toward my initial plan for forgiveness after 10 years. Since they placed my loans on administrative forebearance without my consent, my loans are continuing to accumulate interest at an alarming rate as I have now over {$220000.00} owed. This is becoming detrimental to my ability to ever overcome the substantial amount of debt that I've accrued in my time working to become a XXXX XXXX 

I am completely at my wits end and considering seeking legal action against Aidvantage. These practices are completely unethical and sounds like a breach of the contract I had with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

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 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