vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: OH

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/ XXXX XXXX mistakenly processed XXXX from my Chime checking-within moments they cancelled the transaction. They sent me the cancellation and said funds never transferred out of my Chime checking account. Chime said I had to wait three business days anyway. I have and Chime now says they will return the money XX/XX/. I am not clear how they can just keep my money- my account has gone negative and I have no way to live this week. Seems like predatory use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had a balance of {$310.00} remaining on my account to be paid before the end of XXXX. It was paid by the end of that period and should have been paid with my payment on XX/XX/2023 of {$310.00}. I put it in for payment for arrival before the due date stated of the XXXX. 

On XX/XX/2023, I initiated another convenience check for {$1000.00} as it advertised to give me a year to pay it off with 0 % interest for 1 year from the date of use ( with 5 % fee ). 

When I received my statement, I realized that Citibank had applied my payment to the newly established balance that was to be paid in the coming year and NOT to the prior balance that needed to be paid in order to receive the 0 %. It was now incurring interest. 

I called Citibank, XXXX XXXX XXXX  ) to ask that this error be corrected. The customer service rep told me it was not a mistake, that was how they did things. She was hard to understand and hard to hear and said she could not call me back. I asked several times to speak to a supervisor and finally got a person who told me it was not right, would be corrected within 9 days and I would NOT be charged interest. So after long holds and many transfers, I hoped for the best. 

I then get emails from Citibank ( XXXX XXXX, XXXX  ) that indicate this is not so, but might be after reviewed and should be taken care of. They also called and I relayed what their reps had stated about it would be taken care of, that no interest would be charged and their normal procedure it seems if no one complains and can't be deterred. I also let the person I spoke to on the telephone know that my issues were not with their customer service phone personnel who only responded as they were able, but were with the executives and policy makers at Citibank. 

This all seems fraudulent to me. If no one complains they get XXXX XXXX  from many because of it. Even complaining they don't seem to comply. I do not understand why it was not immediately resolved as it seemed an error on their part. 

To date, I get emails when I inquire on status, but no resolution. I checked today as I have a new statement and it shows interest charged on the balance that should have been paid with my payment. 

I have a number for my original email from Citibank ( XXXX ) if it is helpful.

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 2023-09-25 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: PA

Complaint narrative:
Account # XXXX valid XX/XX/XXXX Phone # XXXX I mailed a dispute to Transunion regarding late payments to XXXX XXXX XXXX XXXX  on XX/XX/XXXX they received on XX/XX/XXXX. I received the results of dispute on XX/XX/XXXX. The date is currently XX/XX/XXXX and there is still no Notice of Dispute on my Transunion Report which is a violation of FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have the 30 day late payment from my credit report and fine Transunion, for blatantly disregarding the FCRA laws. I spoke to the credit card company and they stated that they never received dispute from Transunion. 


Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Escrow of the West
State: CA

Complaint narrative:
Escrow of West and agent XXXX are in breach of contract to administer escrow as detailed within a XXXX page document describing customary duties of escrow, titled " Instructions of Escrow '' as provided to buyer on XX/XX/2023. 

Multiple " good faith '' attempts were made by the buyer to Escrow of West for corrective action and to provide explanation as to why customary fees were being categorized as " extraordinary '' ( page XXXX, item XXXX ) and charged as additional escrow " junk fees '' commonly labeled as admin, archive, overnight, loan tie-in, environment, document, email, correspondence, record, etc. 

The principal escrow fee at {$3.00} per {$1000.00} is already XXXX % higher than market and sufficient to cover the customary activities of escrow as this is a simple cash purchase. A partial courtesy credit was provided but is not sufficient as this practice of overcharging the client with " junk fees '' needs to be penalized and eliminated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX Experian run Banks XXXXr, XXXX and Cant verify anyone they dont like Violate Laws business torts negligent misrepresentation, breach of fiduciary duty, civil theft and conversion, conspiracy, defamation, and tortious interference with a contract or business relationship Tort Laws required to protect people from theft and fraud and are liable for the financial losses XXXX Years no Bank can verify XXXX XXXX XXXX work with Credit Burrow Violates Federal Constitution Credit Burrow Violate 18 U.S. Code 1341, 18 U.S. Code 1343, Title VII Civil Rights Act 42 U.S.C XXXX XXXX XXXX XXXX.

Banks ask XXXX  Year old questions so I Secure Email XXXX XXXX my ID Cards and Utility Bills and XXXX  says go to a branch I would have to take an Airplane XXXX World Bigest XXXX XXXX  owner Banks XXXX all my money then no other bank can verify me to escape Purchase XXXX XXXX XXXXXXXX XXXX caused XXXX XXXX to verify transaction was ok then XXXX credit card purchase declined XXXX XXXX XXXX XXXX transfer to XXXX XXXX XXXX did not work Change Name to XXXX XXXX then XXXXXXXX XXXX XXXX work great while call on the Phone fore 100 % no reason there 100 % no reason to verify me 100 % no problems XXXX XXXX Cant verify me and Lock Me out account XXXX times and reopen and Say go to a Branch === Fly on Airplane to XXXX get a Hotel and fly Home//

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 2023-09-25 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: OR

Complaint narrative:
XXXX  I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed and if interests are being accumulated, then servicer will waive interest or pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc.
State: PA

Complaint narrative:
I want to nwcs to try to get this off my credit report a few years ago with no success, the company name is Real Time resolutions Inc it has been like 15 years I want this remove from my credit report. The amount is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-25 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: OH

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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:
In XX/XX/XXXX I noticed an account recorded incorrectly on my credit report. This was revealed when I attempted to apply for a mortgage. In XXXX and XX/XX/XXXX, I filed a dispute regarding a debt that still shows on my credit report. I attached court documents indicating the debt was satisfied on XX/XX/XXXX yet the credit report shows 120+ days delinquent with a balance owed. In both disputes, they were reviewed and closed on the same day with no changes. No true investigation was done on the matter even though a Notice of Satisfaction was provided from the Commonwealth of Virginia.

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 2023-09-25 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: 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 2023-09-25 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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

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 2023-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Back in XXXX and XXXX I requested aid for federal funding and since then I have been making so many payments through so many Loan Forgiveness programs and none of those payments moved the needle not even an inch not to mention the payment that appears to be owed has quadrupled in interest. There's no way i'll ever be able to buy a house if this fraudulent debt continues to stain my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: IL

Complaint narrative:
I received the found debit card in the mail a few months back and thought it was a XXXX debit card and it wasn't and I have been trying so hard to get my funds back because of income we are living payvcheck to pay check and right now I could be using whatever is on it to feed my family and animals and get the stuff we need right now that came out of my XXXX check and I ought to get it back and they refuse to give it back they are giving me trouble with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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:
In accordance with the Fair Credit Reporting Act XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 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 2023-09-25 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 accordance with the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief