vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: DISCOVER BANK
State: IL

Complaint narrative:
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. 
Account name : XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX ACCOUNT # XXXX, Account name : DISCOVER BANK ACCOUNT # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
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 2024-01-31 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: NM

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 2024-02-01 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: CA

Complaint narrative:
This is my final attempt to get this matter resolve with Equifax. I am clearly being ignore as my concerns are not being address properly with these inaccurate items. All violations are being documented for possible legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: 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 {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 : XXXXXXXX XXXX, XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} 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 2024-02-01 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-01 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Equifax Infromation Sevices LLC. Despite notifying them over XXXX  days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I was charged by XXXX for transactions on my Truist account that I did not authorize, one for {$160.00} and the other for {$580.00}. There was also a singular transaction before the XXXX transactions for around {$12.00} that was for another state, for some reason it was not picked up by their fraud system. I tried to lock the card that was used, but their unreliable service was down for maintenance. Went to sleep so that I could dispute the transaction when I woke up. Disputed it, only later to find out that the XXXX XXXX transaction disputes were denied because " I previously have done business with them ''. They put the entire claim under the first transaction and called it a day, more than likely not even seen by a human. So around XX/XX/XXXX, I called and went down to the nearest branch to dispute the denial, only to be told entirely separate things between on the phone and at the branch. Both told me either side could fix my problem and to talk to them. Despite this, I was told to also email evidence that this was not a transaction made by me via my XXXX order history to their claims department. So I did that and was first informed that I would receive response before XXXX was over. That did not happen, so I called in XXXX to ask what is going on, and so far I keep getting the same response that someone will look into within the next XXXX business days and I'll get a response. So far, I have not received e-mail, mail, call, or text about anything happening with my case. Honestly, so far I think they denied it first time around so they did not have to give me credit while they investigated, and are dragging their heels when it comes to my claim, if there has been any investigation going on at all.

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 2024-02-01 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which had severe XXXX on my report. I found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-01 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which had severe XXXX on my report. I found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-01 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: NM

Complaint narrative:
My loans are serviced through Aidvantage. 

I enrolled in the SAVE plan prior to the resumption of loan payments last fall and I received notifications that I was approved and everything was good to go. Once repayment resumed, everything seemed normal and I was paying my monthly bill. About three months in, however, Aidvantage stopped billing me without any notice or justification why. During this time, I want to note, interest continued to accrue causing my principal to increase. I wasn't immediately sure that billing had stopped, but by XXXX it was obvious, and I reached out. After a few weeks, they responded that my account had been put into administrative forbearance while they 'processed my SAVE application ' and told me repayments would resume in XXXX, 2024. Again this was without any correspondence, and despite after having been told that Aidvantage had already processed my application. ( see the attached screenshots from the FSA website ). I don't understand why this forbearance was placed, and why my interest is accuring. There is zero reporting of the interest that is accruing and so even if was trying to pay it off, I'd have no idea what the amount I would need to pay. But as I'm enrolled in the SAVE plan, this interest should never have been allowed to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
XX/XX/year> I spoke with an agent to enquire why I am unable to use the balance transfer option to pay down loan as this is listed as an option on my online account. The agent stated that they are unable to pay loan using balance transfer however this was not found on the balance transfer section on my main page. This also was not in the promotional emails I received nor was this in the " transfer a balance '' screen where it prompts that I can input information to send funds to a loan. I have tried to do this many times and previously I was offered a balance transfer to my checking account. I feel as though Barclay should honor the offer that they had sent to me for this 0 % balance transfer with the promotional rate until XX/XX/year> as they had sent to me via email and on my online account to be utilized for my loan. When trying to input my loan number the only information that I received was to enter a valid account number and the institutions information which I had done. When I spoke with the agent I asked if there was anyone else I could speak to so that this could be done as I felt as though it was deceptive that this was the offer that I received and I am not able to utilize this due to no fault of my own as even on my statement it does not explain this. The agent advised that no one would be able to assist with making this change however this again is what I was offered and I just would like to use the balance transfer offered as it is promotional.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
THE AWA COLLECTION AND XXXX  XXXX  ILLEGAL COLLECTIONS REPORTED A FALSE BANKRUPTCY IN XXXX I FILED BANKRUPTCY IN XXXX AND HONORABLY DISCHARGED XX/XX/XXXX THESE AGGRAVATED FALSE REPORTS FROM THE 3 CREDIT BUREAU 'S ARE DAMAGING MY LIFE FINANCIALLY PERSONALLY AND EMOTIONALLY. 

ALL RECORDS AND SCAMS REQUESRS FROM TRIPLE AAA AND XXXX XXXX WERE DISCHARGED THE BANKRUPTCY NEED TO BE REMOVED IMMEDIATELY ENTIRELY BECAUSE IT'S BEEN 10 YEARS SINCE XXXX AND THEY REPORTED A BANKRUPTCY IN XXXX THIS IS SLABDEROUS IS DESTROYING MY FINANCIAL LIFE AND IS FEDERALLY ILLEGAL TO REPORT FALSE STATEMENT in my ALL CREDIT BUREAU 'S I FAXES THE FILING XX/XX/XXXX AND DISCHARGED HONORABLY IN FEDERAL COURT RECORDS PROVIDED XX/XX/XXXX IN ADDITION ARE AT LEAST XXXX XXXX UNATHORIZED INQUIRIES THAT NEED TO BE IMMEDIATELY RE.OVED BECAUSE REQUESTED ILLEGALLY AND SO GOES FOR AT LEAST 12 COMPANY INQUIRIES NEVER AUTHORIZED NEED TO BE IMMEDIATELY REMOVED WITHIN 72 HOURS FROM TODAY XX/XX/XXXX THESE ARE DEROGATORIES FALSE REPORTS AND THE MAJOR CREDIT BUREAU 'S reported THEM WITHOUT CHECKING FIRST??? WHAT KIND OF DIRTY BUSINESS ARE INDEED CONDUCTING??? I DEMAND TO HAVE EVERYTHING REMOVED WITHIN 72 HOURS AS PER CALIFORNIA STATE AND FEDERAL REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: GA

Complaint narrative:
I AM DEMANDING TRANSUNION TO UPDATE THE FOLLOWING ACCOUNTS AS " PAID AS AGREED NEVER LATE, AND TO DELETE ALL LATE PAYMENTS ON MY REPORT. 

A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXXCompany responded with generic response please see attachment. 

A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXX. Company responded with generic response please see attachment. 

A complaint was submitted on XX/XX/XXXX with the CFPB complaint ID XXXX ) regarding Transunion reporting inaccuracies on my consumer report. The company responded that the following information will be updated and I will receive an updated report which I haven't. 

Im not understanding how the case was closed without the following information being updated. I checked my credit report on XX/XX/XXXX. The company has not updated the information nor provided supporting documentation validating the late payments reporting on my consumer report. 

The following accounts are still reporting inaccurately : XXXX. XXXX XXXX {$4000.00} - Unverified Late Payments XXXX XXXX Late payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX {$2000.00} Unverified Late Payment XXXX XXXX Late payment : XX/XX/XXXX. 

I have been a proud member with XXXX  XXXX since XXXX, the creditor nor I has given Transunion the consent to report these inaccuracies.

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 2024-02-01 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-02-01 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-02-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( Equifax ) to remove who then gave me the run around a then no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
In XXXX I took out a personal loan with One Main Financial. Part of my payment included the insurance to cover me in case of job loss or medical issue. I became unemployed in XXXX XXXX XXXX In XXXX, I called to verify that I had insurance to cover in my case of job loss. I was told that I did and that was part of my payments for the loan. I took advantage of the loan. Now it is tax season and I received a 1099 MISC in the amount of {$900.00}. If If it was explained to me that I would be taxed on a service I paid for, I would have tried to make other arrangements. This is deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
TransUnion provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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