vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MD

Complaint narrative:
I submitted a refund request for my last student loan payment on XX/XX/XXXX. I was told that my loan refund request had been submitted when I called on XX/XX/XXXX however in my most recent call on XX/XX/XXXX I was told it was submitted on XX/XX/XXXX. The process went as follows : ( XX/XX/2022 ) - I called edfinanical and requested a refund for my last payment made which was made on XX/XX/2022 for {$11000.00} ( XX/XX/2022 ) - I called edfinancial and requested an update on the refund. The rep said that it had been submitted but could not give me a time frame on when it would be completed due to the high rate of refund requests. 

( XX/XX/2022 ) - I called edfinancial to request an update on the refund. I requested information on the status of my refund from the first rep and was then transferred over to a different rep who I was told handles these types of requests. The new rep said the refund was submitted for processing on XX/XX/XXXX and can not provide any further updates as they do not have any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Filed dispute with Westlake Financial Services and received confirmation via Certified Receipt Return Mail. 

Dispute the fact that I had XXXX XXXX XXXX XXXX XXXXXXXX XXXX early in the morning before I signed alledged loan documents. 


Moreover, informed financed XXXX from XXXX XXXX, I had XXXX XXXX XXXX XXXXXXXX and I wasnt coherent to respond to anything about loan for XXXX XXXXXXXX XXXX. 

XXXX XXXXXXXX just pressured me into signing loan documents while I was XXXX. 

Told XXXX XXXXXXXX I was not in my right mind. 

Took car back XXXX XXXX and told XXXX XXXXXXXX I dont remember buying car and did not want it. XXXX XXXXXXXX advised me that the car is mine and there is nothing that he could do. He told me Westlake Financial Service is the finance company that I would make XXXX payments. 

Westlake Financial Services are in violation of the Fair Debt Collection Practices Act, The Truth in Lending Act and relevant section of the XXXX XXXX and the Consumer Financial Protection Act.The following illegal debt collection tactics were used such as pretending to call from a XXXXXXXX XXXX  and threatening me to pay and informing me that my car would be repossessed. Call ID stated different companies. Companies on call ID wanted money from me to pay Westlake Financial Services car payment for my XXXX XXXX. Westlake Financial Services called XXXX XXXX XXXX XXXX XXXX without my permission. Westlake Financial Services disclosed loan information without my permission to my family, friends and employers such as my car would be repoed and that I would severe consequences. Will mention the severe consequences if I file complaint with the Consumers Financial Protection Bureau.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have spent feverishly hours with Experian, XXXX and XXXX to help clear up the abuse and fraud on my credit report. After many days and hours and exhaustion, I am requesting help from you! 

As a veteran of the Country and all sacrifice, I have given, I have never seen something so miss treated in my life. Because of COVID and a bad year and doing everything right, all three credit bureau and the Crediter can not get on the same page and clear all the information as requested under 15 USC168b permissible person I never was contacted by anyone?

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 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My Citibank credit card was closed by the bank based on what I believe was an error on their part. I had a monthly auto-pay amount and when I changed from one credit union account to another, I neglected to update the autopay source with my new account but did so as soon as I was notified of " declined funds '' from Citi. Though my source fund was updated on my Citi account, the autopay still had information from my previous ( now closed ) credit union account so the following month I received another " declined funds '' notice and my account was immediately closed by Citi. This was clearly a Citibank error ; I did everything to update my financial source information, and was able to use those funds listed as my source funding to pay my balance as soon as I was notified of the acct issue -- I even got one of the reps on the phone to remove the {$29.00} " bad check '' charge because she agreed Citi accounting was off. I have been unable to find out why my account was closed, and to subsequently be able to explain the Citibank mistake. Now my credit rating has plummeted, I lost over XXXX reward points I'd been saving up, plus City owes me {$29.00}, since my account has a credit for that amount. The last person I spoke with said I should " forget about '' this 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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow up for Complaint # XXXX. I spoke with XXXXsupervisor at Equifax dispute dept and advised him I will be taking legal actions if the following accounts are not corrected to a positive payment history and balance zeroed out. I also demanded him to remove inquiries as well. Reporting inaccurate information on my consumer report is against the law and my right to privacy. It has also caused me severe hardship ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00} INQUIRY : XXXXXXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX SERVICE DATE : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
Urgent action needed NFCU and XXXX  XXXX are aware of the Urgency and delicate situation of XXXX XXXXXXXX with my husband, their negligence in providing an agreement caused me to possibly loose my home my husband and his lawyer took advantage of me ( I dont have a lawyer ) I ( am the victim ) and lied to the judge an order of selling my home was placed as neither the mortgage company NFCU XXXX XXXX XXXXXXXX ( both refused ) to write a letter to say pending or status. On XX/XX/XXXX they send an agreement of deferral payment and I agree but the process involves my husband my abuser signature and he wont do it he wants the home sold to punish me as he was found guilty sentence and charged for XXXX stalking. I want to to over the mortgage payment he has not reside or pay the home since XXXX and abuse me by controlling the acces to the mortgage account. The Bank and program are aware of the severe financial hardship he caused me as welll of my health. I am low working the grant is approved since XX/XX/XXXX but the judge ordered to sell. I need urgent help by XXXX or I loose the grant and my home becoming homeless and the abuse from him continues. I am recovering my financial independence and o need urgent attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE INQUIRIES ARE FRAUDULENT, I NEVER APPLIED FOR THESE ACCOUNTS ON THESE DATES, MY INFORMATION MIGHT HAVE BEEN IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FIDELITY CAPITAL HOLDINGS, INC
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ FIDELITY INFORMATION CORPERATION 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over XXXX  years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over XXXX different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. 
I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of XXXX  and changing my life this is a step back for me especially because this isn't my debt. Please help me 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 2022-12-06 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:
I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over 12 years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over 12 different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney.

I was a victim of Identity theft years ago and noticed upon my release from XXXX  that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of XXXX  and changing my life this is a step back for me especially because this isn't my debt. Please help me 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 2022-12-06 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: GA

Complaint narrative:
I filed a dispute in regards to the incorect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

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 2022-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I can not reach ANYONE at 5th third bank. No ability to go online to even register without a " Pin Number '' which I do not have. I am not receiving any monthly statements on my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
PLEASE NOTE, I'M NOT USING ANY XXXX XXXX FOR THIS MATTER, I represent myself by myself and this is not a duplicate complaint. I'm sending this complaint due to new evidence. XX/XX/2021, I sent a letter to the XXXX asking do the report bankruptcy to the credit bureaus and I got a letter response dating XX/XX/2021 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX  Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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. 
According to : 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. 
I'm sending tis complaint as well to the XXXX XXXX 
Also ONLY TRANSUNION CREDIT BUREAU HAS REPORTED THIS RECORD ON MY REPORT. 
I HAVE INCLUDED IN MY DISPUTE A COPY OF : Letter to the court, letter from the court, copy of my ID, copy of my SSN, proof of address.

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 2022-12-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Multiple attempts to remove outdated and inaccurate addresses on my credit report have been made to TransUnion and XXXX. 

On attempts dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

After multiple attempts outdated and inaccurate addresses remain on 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 2022-12-06 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: NY

Complaint narrative:
I have been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXX XXXX XXXX. A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with Transunion, XXXX and XXXX. I have submitted letters and proof of the receipt to all 3 bureaus and XXXX showing that the status was false. 

XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my XXXX XXXX to decline. 

The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from Transunion, XXXX and XXXX. None of the companies named have provided a detailed report of the investigation.

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 2022-12-06 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: MO

Complaint narrative:
Hello i am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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