vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
This complaint is due to my recent inability to download transaction histories on my Discover account, something I remain incapable of doing on my XXXX account, and recent coordinated efforts among other financial institutions to aid XXXX in their criminal endeavors. My current balance with Discover, is almost entirely undelivered items with some fraudulent and double charges thrown in. Around 90 % of that balance, is from XXXX XXXX XXXX. 

XXXX XXXX XXXX spent a good amount of time removing tracking information from my online account whenever I would make a request. They appear to be ignoring me now. I retain a response they sent to the Michigan State Attorney General claiming all these orders had been refunded. They have since appeared to put the tracking back despite attempting to claim it only remains for two months and then removing it for new orders. 

Most interestingly, my XXXX account shows an order that was placed to my discover card, for which I retain the XXXX tracking showing it was returned along with a refund receipt from XXXX. Yet my XXXX account claims it was delivered via XXXX. This order was refunded three weeks late, I believe in response to my previous complaints. There are several unrefunded orders from XXXX XXXX, a company that deleted my entire account history shortly after I filed a dispute with XXXX XXXX  because it showed them double charging every purchase, and shipping them to a random locations. They also seemed to have been allowed to issue manually entered transactions while my account was over its limit, due mostly to promised refunds I never received. XXXX seems to have gotten cold feet about the entire scheme and issued the refunds I was due in late XXXX. 

Why was I unable to download a transaction history. XXXX  XXXX XXXX clearly was confident enough that I wouldn't survive Discover 's dispute process to the point of lying to two Attorney Generals. Should I expect the same treatment that I have received from XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I requested to the credit bureau on XXXX that the information that they are sharing concerning a bankrupt incorrect and also they did not have my permission to share my information nor did they have permission form the courts. I also wrote to the courts asking if they shared my information concerning a bankruptcy to the credit bureaus they stated that they do not share any information with any third party credit bureaus.

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 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-06-17 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: TX

Complaint narrative:
I have requested information from the creditor of XXXX XXXX XXXX. They have sent me a letter which I will attach. The information on the letter did not match the account information on my credit report. I have submitted a dispute with the credit bureau with the appropriate documentation to have this item removed from my credit file. This bureau then sent me an email with a statement from the Fair Credit Reporting Act stating that they could not follow up with my dispute because I had not given them a reason. So I added another document to the file under the Fair Credit Reporting Act stating that inaccurate reporting must be removed. Knowing that an account is being reported inaccurately but not doing the requirements to resolve this issue is a violation. They seem to try to follow the Fair Credit Reporting Act when it seems convenient for them, but neglect to follow the law when it comes to the consumer. After I had provided the information that they were seeking, they " resolved '' my disputed item as updated XXXX hours later, but nothing has been changed. This was in the email they sent me : XXXX XXXX XXXX, Pursuant to Section 611 ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

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 2024-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
the loan has been paid off for over a year they continue to take XXXX every month out of my account., sent it to collections. paid an insane amount of interest the loan has been paid off for over a year. they take money and interest out of my account.. i called them they advised that its paid off and continue to charge every month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Good afternoon, I had a loan will Wells fargo for my car. I was notified my account was elligible for a class action payout due to added fees being added to auto loan accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time these emails came but am unable to get contact with anyone on status of my account or even show that i had a loan with them and what to do. I also had a checking account with them that qualified for a class action and they are claiming they cant find my information any where.

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 monetary relief
Consumer complaint received 2024-06-17 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I submitted a complaint to you ( CFPB ) on XX/XX/XXXX asking for a school misconduct form for my almost 20-year loans with Navient for an art institute school. On XX/XX/XXXX, I received a rejection of my school discharge application form Navient. When I requested more information and criteria as to why it was rejected, I received an even vaguer response about " holistic viewing '' of the entire app as the reason ( received XXXX ) My 34 page application provided evidence of the school intentionally distorting job placement stats, pressure from the recruiter due to my older age, and career placement assistance that was touted as top-notch. I only received job " leads '' for minimum wage restaurant positions, not in graphic design. I provided screenshots from the website in XXXX, when I attended, that showed great career placement stats and also provided the sworn XXXX testimony confirming the intentional fraud. 

The US Government has even identified these loans as predatory. 
I have never been in default and I believe this is why they refuse to release my loans. Navient increased my interest to 10 %, guaranteeing I will never be able to catch up and pay them off even though my previous interest was 3.5 % and I also have near-perfect credit. 

Responding that they look at the loans " holistically '' is not an answer to why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. This account is aged and past the statute of limitations which is XXXX years. XXXX continues to keep adding this account to my credit report every other month. This account was opened in XXXX and wrote off by XXXX in XXXX. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ).

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have an open auto loan account showing on my credit report through XXXX XXXX XXXX with a balance of XXXX XXXXThis account is closed and should show {$0.00} balance

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SANTANDER CONSUMER USA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Hello. 

I noticed a series of transactions that were charged to a credit card on XX/XX/XXXX / XXXX. The total amount charged was approximately {$5800.00}. I contacted Barclays immediately when i noted these on XX/XX/XXXX and notified Barclays of the unauthorized charges. I was advised that the charges would be reviewed/investigated and it could take a few days to investigate/ reverse the charges. A few days later I called them again to obtain an update. An update was not yet available. I contacted them again on XX/XX/XXXX. During the XX/XX/XXXX discussion with Barclays, Barclays informed me that my initial two calls were incorrectly processed by the bank and that nothing had been done regarding my account. I was then told that a proper request had now been submitted and that my inquiry would now be properly investigated and Barclays apologized for their error on the first two calls.

As of today, I still see the unauthorized charges on my account and Barclays has not provided any real explanation. Based on details and timing, i strongly believe that the charges were related to attempted fraud and that Barclays was at fault for allowing this to occur. This is just my belief as Barclays only provided details related to dates, etc. They did not provide me any more particulars. They did however confirm that my card was re-issued PRIOR to my first call or request for a re-issue. 

I would like these charges reversed and I would prefer to terminate the account given the poor customer experience.

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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
This company has sent me documentation of which I am clueless to what they are referring to. I applied ONLY for a forgiveness program and I have been signed up for a private student loan. I have sent in an email to rescind any and all documents due to fraudulent information provided. I don't know anything about this loan program nor have I given the permission to set up any accounts. Full disclosure was not provided to me. I have fully rescinded any and all documentation.

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