vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-10-17 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: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX  XXXX # XXXX XXXX # XXXX Closed Account : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: SC

Complaint narrative:
I Am a Natural person, I am a living being, I have rights under XXXX XXXX XXXX Equifax is Govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to15 USC 1681 : I have rights to privacy, and I did not authorize Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
Hey I am writing to dispute the following information on my report. 
This item Account XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Equifax and XXXX I also asked Equifax and XXXX for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Equifax or XXXX nor the original creditor was able to do so the last several months Equifax and XXXX Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate********

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I called the number on the back of the gift card on XX/XX/XXXX. I was told they needed a copy of the receipt, a copy of my ID, a copy of the front and back of the gift card. After the phone call, I sent all the information that they asked for on XX/XX/2023. The company said it would take up to 45 business days. So I waited and received a email from them on XX/XX/XXXX that asked me to send the receipt as if I did not send it on XX/XX/XXXX. Todays date is XX/XX/2023. I have called on a number of occasions and the information that I requested which was for them to let me know what emails they were able to see that I sent and the company is unable to provide me with the information. I have been waiting for three months for the company to issue me a new gift card because the first one that I purchased was defective. The front of the card only had 12 numbers in the back of the card did not have a security code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I contacted Freedom Mortgage regarding a letter that I received after my mortgage was transferred from XXXX XXXX to them. I have a VA loan and I only owe {$25000.00}. I received a letter dated XX/XX/2023, that stated that my mortgage was increasing from {$1600.00} to {$1800.00}, a difference of {$260.00}. According to their figures regarding my escrow account, the Projected Minimum Balance is {$690.00}. The Required Minimum Balance is {$1500.00} making the total needed {$2200.00}. I asked the question, if I pay the Required Minimum Balance will my mortgage payment remain {$1600.00}. I was told No. When I asked why I was told it was because of escrow shortage. I was told that they needed an additional {$180.00} per month to cover the escrow shortage that I was pay off in a lump sum of {$2200.00}. I have talked with XXXX different representatives of Freedom Mortgage. It appears to me that this might be a case of elderly financial exploitation. Your company required Freedom to stop unlawful activities and pay a {$1.00} XXXX civil money penalty. To get the additional money that they need to pay their {$1.00} XXXX civil penalty they will " nickel and dime '' their older customers. If I pay off the escrow shortage my payment should not increase. Please review.

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 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
The Company is failing to acknowledge the US bankruptcy # XXXX and how it dissolved the XXXX. XXXX. They are also failing to obey Presidential orders to dissolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax not only was unwilling to look into the inquiries that were a direct effect of having been the victim of identity theft caused by XXXX County Department of XXXX XXXX XXXX and their negligence resulting in a data breach and my birth certificate being stolen out of their file for my case with them. Also I had to pay out of pocket for this document to be replaced and still haven't been recompensed. 

But also my birthdate and social security number weren't correct in Equifax XXXX database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
Received XXXX texts from an XXXX XXXX XXXX asking to speak to me regarding " changes in my account. '' I that any changes to an account agreement has to be sent as a written notice. I also asked that he stop texting using the number he had used, as I had not consented to text messages. 

He replied that he would send the " changes '' in writing via email. 

I was expecting changes to the terms, however, what I got was a XXXX request to fill and signs forms for auto-pay. 

I imagine some people who don't read or feel flustered by this type of communication from a bank would just fill and sign the form without question. 

This is a PRESSURE tactic to have consumers agree to automatic debits from their accounts. This was not a requirement of the agreement to have a credit card with Bankers Health Group, and clearly is an underhanded attempt at having customers agree to a service they did not ask for or wanted in the first place. Of course, for those who sign without reading or knowing any better, the tactic allows BHG to say they did actually agree to direct debiting and have a signed document to prove it. I agreed to open this account because it was promoted by a professional organization I belong to - I regret having a business relationship with this company as this is not the first time they use pressure tactics to try to get me to agree to more of their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Thank you so much for the professionalism and patience in responding to my inquiries. 

My accounts were correctly enrolled into the SAVE program, but I noticed that I was placed into an involuntary IDR Proc Admin Forbearance that I did not request. It is my understanding that interest will capitalize on my account while under forbearance. I requested a forbearance removal on XXXX. Through a phone call to your wonderful reps, a supervisor was requested to review the account and it was confirmed that the forbearance removal was submitted, but that it will take almost 30 days to process that removal. 

As this was an involuntary forbearance, I am seeking resolution on any capitalized interest accumulated while this status affected my acccount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
I have asked the credit report to remove this account from my credit report more then XXXX time as it has been on my report for more then XXXX. It was open on XXXX XXXX and closed on XXXX XXXX. The name of this company is US Dept .of Education. I have written letters asking for this to be remove from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received a mail invitation to apply for the Chase XXXX XXXX XXXX, addressed to my business name ( XXXX XXXX XXXX ) with a QR code to scan. I read everything on the advertisement to make sure there was no mention of a credit pull on personal credit. Went through the application process, read the disclosures there, still no indication that a hard pull ( or any pull ) would occur to my personal credit. When I applied, I was denied ( they had stale information from XXXX, which factored in the decision, and I should also note that I didn't care about the denial ) and then I started getting alerts from the various credit monitoring services I use that there was a pull on my credit. I called Chase immediately and conversed with XXXX operators, who said that this was " just the way they do it ''. I asked for the disclosures and how I was supposed to know that they would perform this action and they could not point me to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
On Thursday XX/XX/XXXX my ex-boyfriend XXXX XXXX had stolen my purse containing all of my credit cards and my identification. He got gas at XXXX and here in XXXX Indiana went to the casino in XXXX and withdrew all of my money I probably reported this to current to lock my card however they didn't block it and he was able to take more money out and he also went to XXXX 's. I reported this on XX/XX/XXXX and they denied my dispute as of yesterday XX/XX/XXXX that is not enough time for them to properly investigate this. When I asked them for evidence that they did their due diligence and their judicial responsibility they denied sending me any documentation to validate their decision. This isn't fair at all. I would also like to add that I inform them that I banned from the casino all casinos no matter what state so therefore I can not get past the door and I submitted documentation that I am banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  is refusing to remove an account that has past the 7 year time period for reporting derogatory accounts under the FCRA this is a violation and the account listed below should be removed immediately. 

XXXX XXXX XXXX XXXX - # XXXX. 

This alledged account is reporting a Last Payment Date XX/XX/2016 which is more than 7 years ago. 

Delete this account it too old. 

Please see partial copy of my Trans Union 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 explanation
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
I have asked the credit report to remove this account from my credit report more then XXXX time as it has been on my report for more then XXXX. It was open on XXXX XXXX and closed on XXXX XXXX. The name of this company is US Dept .of Education. I have written letters asking for this to be remove from my 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 2023-10-17 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: MOHELA
State: PA

Complaint narrative:
On XXXX XXXX XXXX I made a payment of {$660.00} to Mohela. I did this because had received a notification that day stating that my auto-debit withdrawal had not been processed on XX/XX/, and I was under the assumption that the payment was already deducted from my account. I did not expect to have missed a payment and I would have clarified this earlier. I went to pay the amount for both months due as my monthly fee is {$330.00}. However, when I made the payment, I realized that the entire amount went toward the " interest '' and was not applied to my principal. Consequently, I had to make an additional payment of {$660.00} on XX/XX/XXXX to apply it to the principal. This situation was quite unclear and confusing to me. Now I have paid a total of {$1300.00} in XXXX month which has lead to hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation