vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: AL

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
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: DISCOVER BANK
State: FL

Complaint narrative:
Upon reviewing my credit report Hard Inquiries were identified from : XXXXXXXX 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 Discover Financial Service, Inquiry Date XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I left XXXX 13 years ago, homeless. I am receiving XXXX calls a day from Portfolio Recovery, they use about XXXX phone numbers. Never telling me what they want. I let them go to voicemail. Not XXXX message left. Its becoming harrasment. I m on disablility. I want them to leave me alone. I had a credit card with a balance, but I dont know if im correct...... .The state of Illinois statue XXXX limitations is 10 years. It looks like my debt was bought out by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 explanation
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to unfreeze my credit report at XXXX, Transunion, and XXXX. In all XXXX it was extremely hard because they " hide '' the feature for customers who haven't upgraded to the paid service. I ended up paying for XXXX from Transunion and then spend an hour on tech support chat to delete that subscription. Both XXXX and XXXX require persistence to unfreeze credit report. Freezing and unfreezing should be readily available on home page of FREE service. All 3 bureaus purposefully make it difficult in order to up-sale you.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Unauthorized credit usage I was a victim of trafficking, and during this time, my personal information was used without my knowledge or consent to obtain credit. As a result, there are fraudulent accounts and charges under my name that I did not authorize or benefit from. I kindly request your assistance in investigating and addressing these fraudulent activities, and in taking the necessary steps to clear my credit record of these unauthorized accounts. Your support in this matter is crucial as I work to rebuild my life and regain financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit 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 non-monetary relief
Consumer complaint received 2024-08-12 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: EdFinancial Services
State: PA

Complaint narrative:
A payment of XXXX $ has disappeared from my payment history on the edfinancial website even though the credit was taken out of my account. Since Ive made this payment on XX/XX/XXXX of XXXX additional interest has accumulated. The confirmation number was XXXX. After talking to edfinancial customer service it appeared they had no clue what happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: SD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I have a fixed rate loan managed by Firstmark Services. 

Originally, the loan was from XXXX XXXX XXXX  ( origination in XXXX ). As XXXX XXXX was sold to XXXX XXXX, the loan was taken over by XXXX XXXX and in turn the loan was sold to XXXX XXXX XXXX XXXX and managed by Firstmark Services XXXX XXXX of XX/XX/XXXX ). 

My loan payment over the past XXXX plus years has been {$820.00} at the fixed rate of 3.1 %. For XXXX of this year ( XXXX ), the payment has increased by XXXX cents to {$820.00}. 

I called Firstmark ( on XX/XX/XXXX ) and asked why the payment increased and Firstmark Services said the loan was reamortized. Firstmark said the loan is reamortized every XXXX, and indicated there was nothing wrong on their end. Given that I have always paid on time and have not made any additional payment, the reamortization should not change the payment of this fixed rate loan ( increase the payment, which has happened ). 

Given that this is a fixed rate loan, the payment should not increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to express my deep frustration and disappointment with how Wells Fargo has handled my account, resulting in significant and unnecessary inconvenience for both my father and me. 

In XXXX, I have moved to state of XXXX. I informed Wells Fargo that I no longer wished to be associated with my fathers account, which I had stopped using entirely by the end of that year. At the time, I was told that I could only remove my debit card information and that my father, as the primary account holder, would need to take further action to remove me from the account. My father attempted to do so, but the issue was never resolved. 

Recently, Wells Fargo froze my fathers account due to an address discrepancy tied to a XXXX XXXX XXXX temporarily used for a few months from XX/XX/XXXX to XX/XX/XXXX. This XXXX XXXX was never provided to Wells Fargo, as I had already ceased using the account by the end of XXXX. Additionally, all of my addresses have been Louisiana locations, and it is baffling that Wells Fargo would rely on outdated information from an address I used only briefly and never provided to the bank. The fact that Wells Fargo latched onto this outdated information from an account I no longer use, and then created additional issues for my father by freezing his account, is both unacceptable and unjustifiable. 

As a result of this freeze, my father is now facing a three-day wait period for Wells Fargo to update my address. During this time, he can not access his account to pay his bills, and his direct deposits are being disrupted. This delay is causing significant stress and financial strain, all because Wells Fargo failed to properly address my request to be removed from the account in XXXX. 

Adding to this frustration is the requirement for both my father and me to visit a branch together to resolve this issue. I live in Louisiana, where there are no Wells Fargo branches, and the nearest branch is in XXXX, Mississippi, XXXX miles away. Wells Fargo suggested that I either visit a branch while in my hometown of XXXX XXXX, NY, or walk into a branch at the same time my father does, regardless of where I am located. This is a completely unreasonable request and an extreme inconvenience, especially given that I have not been an active user of this account for nearly XXXX years. 

It is also concerning that Wells Fargo may have relied on outdated federal mailing information, despite my having consistently updated my address with all relevant entities since moving to my current residence.

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 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
This company is calling regarding a credit card I have with Synchrony Bank. I have fallen into financial difficulty and they call me multiple times per day, everyday including Sundays. I have asked them to stop calling and they continue to call from robo numbers from the XXXX area. 

For example, on Friday XX/XX/XXXX the calls were as follows : XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX They call repeatedly, I am at work during the day and they will not stop harassing me by calling several times each day. I am aware of my debt and will take care of it when I can.

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
BILT offers rewards. 

But they don't post the, Have to repeatedly and time-consumingly work with customer support who don't read your responses but post form/irrelevant responses. 

This time they can't even comprehend the problem hence can not post the rewards earned over a few months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit collection serv is a collection agency that reported that I owe them {$320.00} I sent a letter requesting a copy of the original purchase agreement showing proof that they purchased the alleged debt showing my correct information. They failed to provide any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry 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 2024-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
Started lease transfer via BMW financial services on XX/XX/XXXX with documents signed by both parties. XXXX transfer process near completion. Informed on XX/XX/XXXX that car has new recall and now can not lease transfer. Attempted to fix recall immediately however was told that no fix is available ( no parts available ) with no timeline available - told by service center at dealership it could be months. This recall is for brakes and per the recall could cause increased risk of injury due to this recall. I called BMW financial services, recall center, and corporate to attempt to either continue transfer, attempt payoff myself to sell car, or return car to dealer. These were all denied, per BMW. I checked in again on morning of XX/XX/XXXX with dealership and corporate- was told that fix is still not available and I have no recourse. I am stuck in a lease with a car that is not safe to drive ( I have a XXXX  and XXXXXXXX XXXX XXXX  ) and yet can not get out of lease. I am submitting this to CFB to help as I am likely not the only customer in a similar situation ( this recall likely effects thousands of customers. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
There are multiple accounts/inquires on my credit report that are not mine after multiple failed attempts to get them verified and receive information to do such I am left to attribute them to fraud or identity thief. Attached is my ID and a FTC report with all unauthorized and fraudulent accounts/inquires.

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