vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
I received two letters from different debt collectors for the same account for the same amount of money owed. The first is XXXX XXXX XXXX that gave me three options for payment. I called the customer service number to pay one of the options offered and was told the account number of XXXX could not be found and I told them the account had been paid off at least two years ago. I then received a second notice from another debt collector from Radius Global Solutions LLC with reference number XXXX with a pin of XXXX. This debt collection is for the same exact amount from XXXXXXXX XXXX and the previous debt collector. two debt collectors for the same account from the same bank seems like fraud to me especially when the account has been paid off.

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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: HI

Complaint narrative:
On XX/XX/XXXX loan servicer, Edfinancial, has added interest charges of $ XXXX to my account, back dated the interest charge to XXXX of XXXX, then applied credit adjustments to the back dated interest charges. 

When I asked Edfinancial why they charged me interest of $ XXXX in one days time, I was first told, it was due to my daily interest rate. When I explained that XXXX  % interest on a $ XXXX balance does not equate to $ XXXX interest being charged in a single day, Edfinancial then said they would research it.

I received a call back from an Edfinancial supervisor who said they looked into the matter and advised me that the $ XXXX in interest was per instructions from the Dept. Of Education to provide me with a $ XXXX interest CREDIT. When I pointed out that they incorrectly charged that interest to my account instead of applying it as a credit, I was again told that it would be looked into, yet no timeline could be provided as to when it will be corrected. 

Meanwhile, Edfinancial now reported to XXXX that my account balance is $ XXXX HIGHER due to the wrongfully added interest. 

More importantly, they applied other credits after back dating the $ XXXX interest charge, which should've been applied to my principal. They basically back dated an income interest charge and stole my credit adjustments by applying it to interest that should've never been applied. 

Edfinancial has an email system geared to frustrate the consumer. After trying to submit an email on their portal it kept refusing to submit due to an " invalid character. '' Yet their website does not advise you of which character is invalid. It took me about XXXX minutes of trial and error, and I discovered that their website won't accept the characters : - or '. Thus you can't shorten words such as " can't '' which eat into the XXXX character limit Edfinancial allows. Such an opaque means to send Edfinancial an email must be a method to deter the end user from contacting them.

I finally received a response from Edfinancial, yet they provided me with first, an email that didn't even address my question and only directed me to contact XXXX. Keep in mind if I asked XXXX questions about this, they direct me back to my loan servicer. Secondly, they responded after I pushed for further response, with an email that yes, the interest was applied incorrectly, yet they've done nothing to correct my account balance and interest continues to accrue based on an principal balance that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you please review the documents? Several of the listed accounts contain inaccuracies, causing me considerable unease.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Experian to remove old addresses because they were nonmailable. The representative said that Experian can not remove old addresses because they're apart of my credit profile. On XX/XX/XXXX I submitted a complaint to the CFPB. On XX/XX/XXXX I received the dispute results and Experian removed all but one old address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding a recent issue with my account. Specifically, I am concerned about how the Truist Bank corporate system has delayed addressing a transaction that exceeded the negative buffer protection, a feature designed to safeguard my account from overdrafts and financial stress. 

On XX/XX/2024. I initiated a transaction on my account which, unbeknownst to me at the time, exceeded the predetermined negative buffer limit put in place by the banking system. While I understand that occasional discrepancies can occur, the gravity of this situation is compounded by the systems failure to promptly address the issue, leaving me in a precarious financial position. 

Despite relying on the supposed safety net provided by the negative buffer protection, I am dismayed by the lack of timely intervention from Truist Banks corporate system. This delay has not only caused undue stress and inconvenience but has also eroded my confidence in the reliability and effectiveness of your banking services. 

As a loyal customer, I expect Truist Bank to uphold its commitment to providing secure and efficient financial solutions. However, the failure to promptly address this issue has undermined that expectation and has left me questioning the integrity of your systems and protocols. 

I urge you to thoroughly investigate this matter and take immediate steps to rectify the situation. Additionally, I request transparency regarding the cause of the delay and assurance that measures will be implemented to prevent similar occurrences in the future. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution. 

Thank you for your understanding and cooperation. 

Sincerely,

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those. 
customers nonpublic personal information. '' ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those. 
customers nonpublic personal information. '' ( XXXX, XXXX XXXX XXXX XXXX XXXX  ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-03-19 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:
I have encountered an issue with TransUnion regarding their failure to remove inaccurate account information from my credit report, despite clear evidence provided that supports my dispute. XXXX and XXXX have already acknowledged the inaccuracies and have accordingly removed the disputed accounts from their reports. However, TransUnion has not taken similar corrective action, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, under 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable investigation of disputed information within 30 days and remove or correct any inaccuracies. Despite submitting proof of the inaccuracies, TransUnion has failed to remove these disputed accounts, which raises concerns of non-compliance with this provision of the FCRA.

Moreover, the continued reporting of incorrect information by TransUnion contravenes 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy in their reports. This persistent inaccuracy in my credit report is causing me undue financial harm and could unjustly affect my credit score and borrowing capabilities.

The lack of action from TransUnion seems to constitute a willful neglect of their obligations under the FCRA, potentially subjecting them to legal liabilities as outlined in 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Given the evidence I have provided and the corrective actions taken by XXXX and XXXX, I expected TransUnion to comply with these legal standards and correct my credit report. 

I am seeking the intervention of the CFPB to ensure that TransUnion adheres to the FCRA 's requirements by conducting a proper investigation into my dispute and by removing the inaccuracies from my credit report immediately. The failure to correct this information not only violates federal law but also continues to unjustly impact my financial well-being.

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 2024-03-19 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-19 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: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was notified by my credit report that WF card services, aka online Wells Fargo did a hard inquiry on my credit as a result of an application for a card. I have not, and have never applied for credit of any kind to include a card with Wells Fargo. The inquiry immediately made a negative impact on my credit score which alerted me and caused me to look into the inquiry. I have not applied for any new cards within the past five or more years. I did make Wells Fargo aware, and Im currently awaiting additional contact from their fraud department. I also opened a dispute with XXXX, and will upload this completed report as well.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I believe that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
These are unauthorized inquiries on my credit report. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2024-03-19 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 did not give consent for these inquiries and strongly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report. Supporting documents have been provided for your perusal.

Company response to consumer: Closed with explanation