vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2023-09-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have faught and won against this same debt collection 3 times at this point. I do not owe this company any money as i have not business with them. I requested that XXXX remove this negative info from my consumer report and it keeps returning from a different 3rd party debt collector. The burden of proof is on the credit reporting agency to verify the accuracy and relevancy of all info reported. This is clearly described in U.S Code 1681i where is also mandates that once info has been certified as false, it must be " permantly removed ''. My ability to obtain credit has been negatively affected through a tarnished consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: MD

Complaint narrative:
I have warned you several times about the XXXX account on my credit report but you kept ignoring me. I have officially sued you. I am mailing you the court documents

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 2023-09-22 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: GA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference # : 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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On Thursday XX/XX/23 I took a personal check made out in my name by my brother in law in the amount of XXXX XXXX to an M & T bank to deposit it in my checking account. This was after an attempt to wire the money from XXXX XXXX to M & T bank failed. I was told that due to the amount of the check, it needed to be verified and my brother in law + XXXX XXXX would be contacted to confirm the checks validity. I found out XX/XX/23 that the check was not processed and was told to reach out to the other bank to inquire. XXXX XXXX told my brother in law the transaction was good on their end and the issue was in the hands of M & T. Later that day I lost access to my online banking app and was told my account was on hold. My account was running low so I took another check made out by XXXX for my recently totaled vehicle to M & T only to find out that the Fraud department had my account locked and no transactions could be made. What made things worse was today on XX/XX/23 my direct deposit from work was sent to M & T and I had no access to that or any of my other balance. The customer service representatives said there was nothing they could do and the fraud department said nothing can happen until the investigation was completed which could take anywhere from XXXX days. I am not fortunate enough to be okay with thousands of my dollars being held from me without good reason. I have bills to pay, living expenses, child care expenses that are not being met and its infuriating and utterly ridiculous that I can not access my own money in the XXXX century. I understand there was an issue with the check between the banks, but the issue should have been solved between them. Not taken out on an unfortunate consumer who relies on his biweekly paychecks to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TX

Complaint narrative:
On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
After being a model customer for more than 10 years - never missed a payment, they are shutting off my card due to a internal policy that they will not produce any documentation to prove exists. 
I had to change the name of my company, but there was no other change to the entity at all. The ownership, EIN, address, etc. all remained the exact same. They mailed a notice to the WRONG address to ask for account information updates. By the time I received the communication, I only had 4 business days left to get the name changed in their system before they were shutting down the card for this technicality. So I began the process to have the name changed, which after being given bad and conflicting advice from 2 different Bank of America departments, I was still willing to go through their process to change the name. Only to be told a day later by another department that it doesn't matter, there is no way to change the name on the account and keep it open, it will be closed. SO they would be closing the 10+ year account, that has NO problems on it, in 2 business days. Which is putting a hardship on my company. I requested documentation on this policy and was told by XXXX of Bank of America that they do not provide anything in writing, they only provide verbal communication. 
I believe they have lender liability issues in the manner they conducted themselves with this manner for he following reasons : 1. they will not produce documentation proving a policy exists for closing this account for this reason. 
2. they did not give proper notice or provide ample time to remedy the issue. They mailed their notice to the WRONG address. 
XXXX they gave the borrower wrong and conflicting advice through the interaction I took good notes and was informed all the phone conversations I had were recorded, so there should be ample evidence to prove my statements above.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: WA

Complaint narrative:
I had a balance with XXXX XXXX XXXX  which was well over the correct amount owed. I tracked down the debt and paid it through XXXX on XX/XX/20. The amount was {$3300.00} with a fee of {$97.00} for XXXX service fee. This account is still on my credit report being reported by XXXX XXXX XXXX with a balance of {$6500.00} as it's been collecting interest. I've reached out to the credit bureaus, to XXXX XXXX, and to XXXX XXXX XXXX. I have had no luck with reaching XXXX or XXXX XXXX who took the payment. This is drastically impacting my credit score and unfair as the debt has been well paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: PR

Complaint narrative:
I deposited a XXXX XXXX state government check for XXXX XX/XX/2023 at Axos Bank. The funds are on hold. The bank told me after reviewing that the funds will be available XX/XX/2023. Thats more than 10 days of holding my full amount. Im struggling financially because of this situation. I need to pay my expenses and bills in order to live a comfortable life. I think its unfair and undeserving since the check is from a government entity. I please request that funds be available immediately. Axos Bank advertises as a technology advanced bank and that the strive to be different from traditional banking. They did not hold true to these words.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: MD

Complaint narrative:
I have warned you several time about the XXXX account on my credit report but you kept ignoring me. I have officially sued you. I am mailing you the court documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TX

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATIONXXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 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 non-monetary relief
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATION/XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
According to the FCRA the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Account XXXX XXXX # XXXX Has violated my right. 
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 Also that account was paid in full in XX/XX/

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 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA 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 non-monetary relief
Consumer complaint received 2023-09-22 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: SC

Complaint narrative:
I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially Equifax and XXXX Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have no account associated with these companies no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I noticed my bankruptcy reporting on my credit report around XX/XX/XXXX  I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the 3 credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/XXXX  stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/XXXX  I then certified mailed XXXX, XXXX, XXXX, XXXX sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. XXXX rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: EdFinancial Services
State: CA

Complaint narrative:
I have made 2 separate payments that are missing with Edfinancial. One on XX/XX/XXXX with Confirmation Number # XXXX totaling {$29000.00} and another one on XX/XX/XXXX with Confirmation Number # XXXX totaling {$1900.00}. I have uploaded documents showing these payments and verification. I have even called them willing to give them the verification numbers for them to check and they refused. While these payments have been processed and taken out of my bank account, they have disappeared from my payment history and have not been deducted from my loan balance besides a {$21000.00} payment that was posted, which is only a portion of what I paid. Please investigate this matter and include the payments I have made as paid to deduct them from my outstanding balance, thank you. I can be reached anytime at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation