vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the XXXX XXXX XXXX in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX  and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take XXXX  to court for these illegal and shady business practices.

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 2024-01-09 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want all of these items deleted from my credit reports effective immediately I am attaching proof that the Equifax has admitted that I was, in fact, the victim of this data breach, and Equifax has done nothing, please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AE

Complaint narrative:
on XX/XX/23 a letter was sent Experian explaining my discontent with a late payment that was reporting on my credit with a company that reports to them. I have yet to get any correspondence from them processing

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 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was advised that I would be receiving money that I paid during Covid and never did. I also was told that I will not have any interest applied to my current student loan. I applied for the income driven save program under President Joe Biden and no interest were to be applied. I have since pay off the loan with the help from my parents. Would like to receive all the interest paid returned back to me, as well as the money pay during covid. Please feel free to contact me if you have any questions. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NC

Complaint narrative:
These accounts were wrongfully added to my consumer report, I have proof of no lien from any of these companies from the secretary of State via UCC11. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts were wrongfully added to my consumer report, I have proof of no lien from any of these companies from the secretary of State via UCC11. 

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
This company has failed to provide written confirmation of debt or other legally required notice of this debt and has also failed to provide me with a contract with my signature or any other proof of validation pursuant to 1692g /us 1006.34 since this debt can not be verified/ validated I demand it be removed or penalty for damages will be pursued duvara billing services llc XXXX furthermore this account is reported as a charge off but the company claims to have no 1099 for it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a one year CD account with Citi Bank, that matured on XX/XX/XX/XX/XXXX After it matured, Citibank said that I have a seven day grace period to make any changes to the account. Otherwise it would automatically renew on XX/XX/XXXX, it stated that in order to close the account I could withdraw the funds. I did not wish to renew the account so I set up an external transfer on XX/XX/XXXX, due to the holidays the transfer would not have been finalized till XX/XX/XXXX which would be two days after the account would be renewed on XX/XX/XXXX. As a result, I called Citibank on XX/XX/XXXX to inform them that I would be making a transferred to an external bank. They offered me to close it on the phone and mail me a check. I stated that I already started the transfer, so I did not wish to have it mailed. I then asked if the transfer would occur after the account was renewed would there be any penalties as a result the agent assured me that there would not be any. I then again confirmed this with the agent a second time. The next day I see that the transfer did not go through. I called Citibank to close the account but they said that there would be a {$220.00} penalty. I tried to make several complaints to get this waived as I was misinformed by the representative, however, the penalty was not waived. I was also informed that the reason the transfer did not go through was because Citibank only allows you to transfer the funds out of a CD into a Citibank account or to mail a check. This was also not disclosed to me by the original agent, either as I did inform them, it would be in an external bank account. This is now two pieces of crucial, misinformation that I was given by that representative it is not fair for me to pay a penalty when I was assured I would not be and also misinformed that my external transfer would be an option to close my account.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a SYNCB/CC reported on XX/XX/ and then two SYNCB reported on XX/XX/ and XX/XX/. I had a report for a XXXX on XX/XX/. I had two reports from XXXX on XX/XX/ and then 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 2024-01-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I SUBMITTED A DISPUTE TO EQUIFAX REGARDING UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE COMPANY DID NOT DO A PROPER INVESTIGATION INTO MY DISPUTE AND I WOULD LIKE THE CFPB TO ENSURE AN ACCURATE AND FAIR INVESTIGATION IS COMPLETED INTO THE PERMISSIBLE PURPOSE OF THESE INQUIRIES. 

As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my credit score. 

I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section 604 of the FCRA. 

Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.

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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
XXXX : made phone call to Mohela to see why loan forbearance was discontinued and way payment was due when no information was received on progress of teacher loan forgiveness. 

XXXX sat on phone for over 100 minutes waiting on them reviewing my account and telling me what the status of my loans was. They kept placing me on holds. Told me my school wasnt on list of qualifying schools and that the chief of school districts should have know. School is on the list located at student aid.gov XXXX customer service representative turned on automated hello I cant hear you and hung up. 

Issue was not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX and Navy Federal Credit Union were contacted by mail informing them of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: MO

Complaint narrative:
As absurd as it is Experian once again closing 1 complaint while working on another, THERE THE SAME ISSUE

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form NOV 219 26-8937. 

Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. 

We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. 

At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. 

You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. 

Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-01-09 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover Card fraudulently and irresponsibly issued to someone else a Discover Card in my name without using any due diligence whatsoever. 
This happened XXXX. The card was used for over {$10000.00}. 
Discover also allowed this with an incorrect address ... .I never lived in Florida XXXX 
My credit score for the last 30 or 40 years has always been over XXXX. 
XXXX has me listed with many many exceptional payment histories. Tried to get an XXXX credit card about a month ago but was denied because Discover Credit Card has dragged my score down to XXXX from over XXXX.that 's their fault not mine. 
Filed a complaint with XXXX but so far no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/2022, I ordered 200 boxes of XXXX XXXX XXXX XXXX XXXX XXXX from a website XXXXXXXX XXXX and an individual named XXXX promised to have the items delivered within 3 weeks. The amount I paid was {$880.00}. He provided a tracking # and a receipt that it was sent via XXXX XXXX. However, I have been trying to check for shipment updates on the XXXX website and the website is down and not working. I tried to contact him via email and emails are bouncing back. I have NEVER received the ordered items and I have filed a complaint with XXXX and Barclay credit card as I was told to do so. I have been scammed and I have requested my money back. Barclay credit card company customer service kept denying my claim for no reason. The merchant provided some " nonsense '' documents and Barkley customer service hasn't even looked at the documents that the merchant provided. Have they looked at the documents they would see that the documents are fraudulent. There was no tracking number, there is no shipping company with such a name as XXXX XXXX. The website of that company never existed. I have requested a refund from Barclay 's however they keep denying it for no specific reason. I would like to report unacceptable Barclay practices and I would like to have my money back.

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 monetary relief