vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Minnesota Office of Higher Education
State: MN

Complaint narrative:
I began attending the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX I was seeking a XXXX XXXX XXXX XXXX I applied for FAFSA and was fully enrolled. I began attending XXXX, and I recall being called to the schools financial aid office to sign additional documents. I believed I was obtaining federal student aid loans, and was unaware that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was a private loan through the state of MN. The school used false advertising practices, aggressive and pushy sales tactics and deceptive behavior to ensure my enrollment and payment through these loans. They failed to explain the terms of this loan, that this loan was private and intentionally misled me regarding the details of this XXXX loan. My original loan was for {$15000.00}, dispersed in three separate {$5000.00} increments on XX/XX/XXXXXXXX XXXX XXXX XXXX  The loan has been administered through XXXX XXXX. Beginning XX/XX/XXXX, the loan will be serviced by XXXX. That XXXX XXXX XXXX, this school location announced they would be closing and students could either move to another state or attend online if they wished to complete their degree. I intimately chose not to re-enroll until their closure as I had began hearing of credits not transferring or being recognized by other schools/institutions. As of today, more than XXXX XXXX worth of loans are set to be forgiven for anyone who went to an XXXX XXXX XXXX between XXXX XXXX XXXX XXXX XXXX The XXXXXXXX XXXX said the chain of schools lured students with pervasive lies, falsified data and knowingly misinformed students. Unfortunately, this forgiveness currently only applies to federal student loans, despite the fact that the same lies, false data and misinformation was used to aggressively push me into obtaining these loans by the 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your 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 explanation
Consumer complaint received 2024-05-30 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: OR

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-30 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: OR

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have an existing savings account at Citizens Bank that has been subject to fraud. 

Citizens and I have agreed to set up a new account. I wish to opt out of the arbitration clause in the new account agreement -- which provides for opt out ( see attached ). 

Citizens says it will not permit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, a merchant charged my Chase Freedom XXXX XXXX XXXX for {$660.00}. This charge was posted on my XXXX statement payable in XXXX. In XX/XX/XXXX ( within 90 days of the statement ), I disputed the charge as being invalid in writing using Chase 's messaging system. Chase never responded to my inquiry. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple follow-up requests. In XXXX XXXX, Chase responded that because the charge was outside of the timeframe ( i.e., the charge was posted on my XXXX statement and it was XXXX ), they will not dispute it. 

In XX/XX/XXXX, I contacted the Chase XXXX XXXX who confirmed that they received my message in XX/XX/XXXX and that they never responded to it. Chase XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NV

Complaint narrative:
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. 
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, have all violated my rights, 15 U.S.C. 1681a ( 4 ) 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.

15 U.S.C 1681 Section 604 A section 2 : states that a consumer reporting agency may not furnish an account without my written consent or intructions.

15 U.S.C. 1681a ( 5 ) Section 603 States, I must CONSENT to anything being reported to my credit report.

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

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NV

Complaint narrative:
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. 
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  have all violated my rights, 15 U.S.C. 1681a ( 4 ) 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.

15 U.S.C 1681 Section 604 A section 2 : states that a consumer reporting agency may not furnish an account without my written consent or intructions.

15 U.S.C. 1681a ( 5 ) Section 603 States, I must CONSENT to anything being reported to my credit report.

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

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-05-30 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:
Please be advised, you are currently reporting incorrect information on my credit reports. I have recently took XXXX XXXX XXXX to arbitration/federal court due to the same errors made on my credit reports and due to their failure to conduct reasonable reinvestigation and follow reasonable procedures to ensure maximum accuracy. As a result those accounts were removed promptly ( see attached ). Failure to comply is will noncompliance and willful negligence in which I will have to take legal action. Ive experience damages such as credit application denials, emotional and mental distress and in therapy. This is my final attempt to settle this matter outside of litigation.

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 2024-05-30 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: TX

Complaint narrative:
Alright, lets get straight to the point. Im reaching out because theres this debt on my credit report from XXXX XXXX XXXX, and let me be clear I have no contract or agreement with them that has my signature. None. XXXX. So, I need this whole thing DELETED ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of this debt. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a CONTRACT with XXXX XXXX XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be DELETED

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 2024-05-30 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: IL

Complaint narrative:
I have previously requested that XXXX and XXXX investigate the accuracy of XXXX XXXX XXXX XXXX  and please remove inaccurate information. Both credit bureaus list a different date opened for the account. An incorrect balance, the high credit limit is different, the last reported date is different, the date last active is incorrect, and the date of last payment is wrong. They both show various information. Experian shows nothing 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, XXXX, and XXXX all have XXXX auto account # XXXX listed with inaccurate information, wrong and different dates opened, incorrect balance, incorrect terms, and incorrect last reported date. All 3 list an inaccurate date last active and date of last payment.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I transferred debt to this company based on the 18 months no interest promotion. I transferred {$18000.00}. Multiple times I set up autopay to pay {$1000.00} a month. The payment kept not going through and I would go back online and make sure it was set up correctly. The payment continued not to post. I called in and set up payment information with a telephone operator. The payment posted to my US Bank account but did not come out of my checking account. I then got a letter that the payment had been returned. I called US Bank and was told that since I had made multiple late payments that I was going to be charged late fees and interest. I had the supervisor check the information I had provided and found out the previous person had put my account information in wrong. The supervisor told me she would see if she could reverse the late fees and interest and would call me back. She did not call me back. I called in and I was told she left a message for me that the interest and fees would be credited back to my account. I then went back to autopay and yet again it did not work and my payment was late. In XXXX I just prescheduled payments as far out as the online system would allow. I do not receive paper statements so I went back to my account several days ago and noticed I have been charged interest. After discussing with supervisors for XXXX minutes they told me they would not reverse the interest fees they have charged to this point but would reinstate the 0 % interest. Then she told me autopay can now be set up on the phone. I really do believe these are fraudulent practices to promote a 0 % interest and then make it difficult to make payments in order to revoke the promotional interest rate.

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 2024-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I requested that my PMI be removed from my mortgage due to my home being valued at {$300000.00} and I only owe XXXX. They stated I was an eligible because my loan originated after XXXX. Every article that Ive read online states that I should be able to have my PMI removed.

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 2024-05-30 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: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-30 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: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX has been disputed once more to Equifax via XXXX XXXX submitted on XX/XX/year>. I received the last response from Equifax via CFPB portal on XX/XX/year> stating that I disputed XXXX  XXXX before and this time Equifax failed to state what the results were. 
I have sent Equifax a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) more than once demanding the procedures that were used that led Equifax to verify when they sent results regarding the prior disputes. After receiving results each time in accordance with FCRA 611 ( A ) ( 6 ) ( B ) ( iii ) I requested ALL the records that would reveal the reason my PRIVACY is being so blatantly VIOLATED but yet my disputes were verified.

Therefore, I also requested the name ( s ) of the person ( s ) that they spoke with along with their Business Name, Address and Telephone Number in accordance with FCRA 611 ( a ) 6 ( ) ( B ) ( iii ) and Equifax has FAILED each time to adhere to the requirements in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within the 15 Days required by Federal Law and Equifax sent me NOTHING and has totally IGNORED the requirements in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).

Equifax clearly violates Section 1681i.

Their failure each time could lead to my financial compensation in a Court of Law.

Equifax is the entity that is in VIOLATION of FCRA 602 which states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) which states that a CREDIT REPORTING AGENCY CAN NOT Furnish an ACCOUNT without my WRITTEN INSTRUCTIONS and this is the reason I demand Equifax to remove XXXX  XXXX from my credit report immediately.

Company response to consumer: Closed with explanation