vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items im getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and ftc report EXPERIAN WILL BE SUED and lawyer will be contacting experian if these items are not removed in the next XXXX weeks!!!!! 

1. Account number : XXXX XXXX  XXXX Please remove this inaccurate information from my credit report. 

2. Account number : XXXX Please Investigate and delete from my credit report 3.XXXX  XXXX 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 2022-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Hello, I refinanced my loan from Santander USA with XXXX  XXXX XXXX. On XX/XX/XXXX my loan with Santander USA was paid off. I have been requesting a release of lien letter from Santander USA since XX/XX/XXXX. Santander USA has hung up on me numerous times, transferred me from titles department to another department who then tries to transfer me back to titles. They have REFUSED to send it to me, told me XXXX XXXX XXXX needs to request it from Santander and that I, the customer, can not request it, etc. My state has a title correction deadline of XX/XX/XXXX and I can not get a simple release of lien letter from Santander USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian has removed my credit report from online. When I log on their site it shows a credit report from 2 years ago!!!! They are using this as a tactic so that I am unable to view what's on my credit report this is a violation. As consumer reports are supposed to be made available online and not just by mail. Update my credit report on Experian.com immediately!

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 an account without my written instructions

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 an account without my written instructions

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under : 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 an account without my written instructions

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My ex-husband had a credit card with Wells Fargo that I did not know I was an authorized user on. Our divorce papers clearly state that he was responsible for all credit card debts, and was to remove me from all cards. He passed away, and Wells Fargo moved the card into my name. I have continually contacted Wells Fargo concerning this since XX/XX/2022. I was denied identity theft as of XX/XX/2022 ; which was what I was told to do first. I have been denied mediation as of a letter dated XX/XX/2022. I contacted Wells Fargo XX/XX/2022 and was told by the fraudulent claims department that it was still open for mediation and to contact them. I contacted meditation directly after and was told it is not open for mediation that it is open in fraudulent claims. I have tried diligently to find out how I was ever an authorized user, and have been told by Wells Fargo that it was automatic. I never had a card, never signed to be an authorized user, and never used this card. I would like this debt to be taken out of my name.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: NY

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: January Technologies, Inc
State: NY

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer 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 2022-05-26 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: AES/PHEAA
State: TX

Complaint narrative:
Hello! 

FedLoan Servicing is my student loan servicer. On XX/XX/XXXX, I called FedLoan and requested refund of payments made during XX/XX/XXXX through XX/XX/XXXX as part of the CARES Act. The payments totaled {$6700.00} and were as follows : XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, and XXXX XXXX {$960.00}. 

I was informed the refund request was not initiated until XX/XX/XXXX. At the time, I was told the process could take up to 60 days. I was told the refund process includes FedLoan initiating the request who then sends the request to US Dept of Education - Federal Student Aid ( FSA ) for review and approval. After waiting approximately 60 days, on XX/XX/XXXX, I called FedLoan to check on the status of this refund request since I had not received it and I was told the process can now take 90 days. FedLoan informed me they have submitted the request but are waiting on FSA to approve it before they can take action. And I was told the refund would come in the form of mailed US Treasury checks since XXXX was my loan servicer prior to being transferred to FedLoan in XX/XX/XXXX. I continued to wait another 30 days and called XXXX in XX/XX/XXXX and was told the process is taking longer than expected and to wait longer. As of XX/XX/XXXX, I am still waiting for this refund request. I have wait well over 150 days for this refund request. 

I know FedLoan is working incredibly hard to process thousands of PSLF Waivers and refunds over 120 payment counts. I feel that my request is not being processed in the order it was received and there is something wrong with my particular request. I do not feel that FedLoan and FSA are communicating appropriately to handle my request. I do not receive any communication for my request and each time I call FedLoan, I can receive conflicting information and need to escalate my call to a superior representative to get consistency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex 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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under : 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 an account without my written instructions

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient is contacting me too frequently : For the week of XXXX XXXX, in these 5 days, I received 22 calls from Navient. Before and since this week, there has been very little change in the frequency of these calls. They are always within the hours of XXXX, but they are very difficult to deal with and each call is usually followed by a voicemail. 

I also receive 5-10 emails per week about my loans from Navient, but half of these only say I have a notification or new balance, not many specifics. 

And I also receive between 10-15 postal letters each month from Navient. It does not matter if my loans are current or delinquent, the calls, emails and letters never decrease in frequency or volume. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a dispute to all 3 credit reporting agencies. In accordance with the fair Credit Reporting Act The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) they also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) the law clearly states the credit bureaus have 5 days to notify me from they receives my disputes also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( 1 ) ( ii ) the clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly detete the information from the file of the consumer.

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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union in the news for massive incompetence corruption has OUTRIGHT LIED to me about getting me my final balance from my account I closed with them. 

I was referred to one XXXX XXXX who does NOT answer his phone all week at the bank and XXXX XXXX who told me she was over-nighting my final check certified overnight -- it never arrive and XXXX XXXX never answered her phone again. 

Then I was told when that failed that they were wiring me the money -- - that never materialized either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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