vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards

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 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: KY

Complaint narrative:
EdFinancial has been a nightmare from day one. Response times for critical issues are abysmal. The servicer was to provide me with a statement showing particular information to provide to my employer program for repayment benefits. {$100.00} a month in student loan repayment assistance. An account number was provided about a month or so after request and provided to my employer. Once payments were started to be remitted beginning in XXXX, the ACH would clear, but payments were not applied to my account. I had to manually email servicer a copy of the ACH information to apply to my balances. Email correspondence took weeks for a return, and the funds were applied almost 2 months later. This continued, after repeated requests to update any issues that may be causing this, 4 additional times. Only in XXXX did the servicer relay that through the transition to a new online platform they had changed my account number. From XXXX to XXXX, multiple requests were made to attempt to correct issues they were having. Once the new account number was provided, I provided to my employer, and now I await XXXX test run to determine if it will be applied accordingly. 

However, a new and more pressing issue has presented itself. When repayment was slated to resume, I took it upon myself to explore my options. Through the urging of the government and this servicer, I used a tool that helped me determine if an IDR plan was appropriate. After several turns on the student loan site, it was determined that a more appropriate payment option was a graduated payment plan, and I began making payments as soon as payments resumed. Well, this past Saturday, I received an email stating that my IDR application was approved and my new payment would be almost double what it was in my graduated plan. Not only that, but the payment would be withdrawn from my account in 8 days when my next payment was due. As this was not acceptable, I tried to go online to switch back to a graduated plan. This feature was unavailable, and suggested that I contact them to change. As they arent open on Saturday, I had to wait until Monday. On Monday, I tried all methods of contact only to find that their phones were perpetually giving a busy signal. So I tried a chat, and it was only alluding to using the repayment tool to change my plan, and it was again unavailable to my specific situation. Throughout the day, no phone call was possible, and the only option remained an email, which has an unreliable timeline of response. So not only was I given almost no notice of a repayment change, I was given no opportunity to rectify this MISTAKE before it had a monetary impact on me. I believe this servicer to be in direct violation of a number of consumer protections and am increasingly concerned of how my accounts will be handled in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Attempted to use card at XXXX XXXX XXXX  card was expired realized I had never received a new one. Called number on back of card and logged in online only to discover that the line of credit had been closed. Noticed an adverse reflection on my credit score for this long-term card being closed. Contacted customer service confirmed that when card term was near its end bank unilaterally decided to close line of credit due to inactivity. Explained to rep there are very few places that except this card and the card was only used for high balance medical expenses due to its very narrow scope of acceptable vendors. Representative apologized but explained it was closed but I could re-apply for a new line of credit. Transferred to a supervisor who said it was not unusual for no notification to be given for account closure and apologized previous rep made it seem as though onus of calling to hey a new card near card expiration was on client rather than done as a matter of normal course. Explained again it was in terms and conditions that bank could close an account at their discretion with no notice to client but sympathized when I explained if I was given noticed I would have gone to one of the two places I know to make a charge on the card. Asked supervisor to file a complaint on my behalf he kept saying he would take the feedback and include my point of some notification in it.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also XXXX XXXX XXXX XXXX Inquiry XX/XX/2023 listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a.

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX XXXX XXXX XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within XXXX business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.

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 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I applied for a SAVE IDR Plan on XX/XX/XXXX with XXXX. I was then directed to XXXX student loan servicing where my payments were supposed to reflect the $ XXXX. I added a PSLF certification on XX/XX/XXXX and then all my loans were moved from XXXX to MOHELA. It took them a few weeks to implement this change and then I logged on to see $ XXXX reflected until I received information I have a payment due on XX/XX/XXXX of {$500.00}. When I access their website my next payment date is not present, but when I log onto XXXX it says I am due on XX/XX/XXXX. I have not received a letter finalizing anything for an amount due this month? When I go into my loan details in MOHELA it shows XXXX different loans showing a " current due '' totaling {$500.00}. This is simply outrageous. Like how should I pay that every month?? I put in another IDR request to MOHELA and they still have not adjusted their error. I put in another direct loan app on their website today XX/XX/XXXX. They have defaulted XXXX of my loans that I can not pay. I am not paying MOHELA a single XXXX till my payments are resolved properly. I have all the proof on my XXXX and have uploaded the original document of my approved SAVE plan online. There is no reason anything should be changing with a PSLF cert. Ridiculous nor should I be waiting for centuries on a resolution that should have never happened when they switched to MOHELA. LOAN SHOULD REMAIN THE SAME ON SAVE PLAN. Please check my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to bring to your attention certain inaccuracies that I have identified in my personal credit report. These inaccuracies could have a significant impact on my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am well aware of the dispute process and the time constraints that come with an investigation. I have identified the following errors in my credit report : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I had opened an account with Ally Bank on XX/XX/XXXX under the offer code " XXXX ''. Here are the terms of the code : " Set up qualifying direct deposit payments and receive a total of {$1500.00} in qualifying direct deposits by XX/XX/XXXX. You'll get a {$200.00} cash bonus within 30 days of the account receiving {$1500.00} in qualifying direct deposits. Keep your account open and in good standing to receive your cash bonus. '' I made deposits on XXXX XXXX and XXXX XXXX with deposit amounts of {$1100.00} and {$1100.00}. This is over the amount needed. My account is still open and in good standing. I also wanted to point out that I am considered a new customer according to their terms since it has been over a year since I had had an 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 monetary relief
Consumer complaint received 2023-12-05 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05 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: OH

Complaint narrative:
After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards

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 2023-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern : On XX/XX/XXXX I paid my bill under the above account number via the website. In my haste to pay my bills, I inadvertently selected the wrong account to pay the bill for XX/XX/XXXX. I was alerted to this minor discrepancy via a letter on XX/XX/XXXX that the payment was returned due to insufficient funds. I quickly got back on the website and set up a new payment with the correct account. The payment was submitted with more than enough time to keep my account in good standing with no late payments. As of XXXX XXXXXX/XX/XXXX, I was alerted to a major decline in my credit score and a repotted bounced check on my score. In looking into this I found my credit limit was decreased well below what the balance is on the account in what I can assume is a punitive measure on the bank 's part for an account that is in good standing and has never been late. Further, this oversight could have been fixed with a phone call or an email given the time frame of the due date. Today I called the customer service line at XXXXXXXX XXXX After a long hold, I talked to the first call taker XXXX XXXX XXXX ) who could offer no rhyme or reason as to why my account was treated in such a fashion. XXXX then put me in touch with XXXX who stated she was a supervisor. XXXX couldn't care less what I had to say and offered nothing but to call the credit department and seek to increase my credit limit which is counter-intuitive to keeping a good credit score. XXXX then hung up on me without even connecting me to the credit department. I then spent the next hours trying to get back in contact with someone that would help me. After XXXX separate attempts with an hour hold and one transfer to the mortgage department, I was connected with XXXX. XXXX unlike XXXX had the decency to listen to what had taken place and at the end of my explanation of what had taken place was baffled as to why the bank and its systems would have taken such a punitive sentence for an account in good standings and that has never been late. XXXX provided me with the format to seek upper management and connected me to the credit department and to XXXX. XXXX, like XXXX, was unprofessional and offered no meaningful customer service. In closing, I hope whoever in upper management can fix this unfair reporting to my credit file and dreadful customer service that cost me XXXX hours of calling time. Now my credit file is dinged XXXX or more points and the bank has turned my credit on this account 109 % over limit for nothing. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 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:
RE : Confirmation # XXXX CFBP Complaint ID XXXX To Whom It May Concern, The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). Equifax has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If Equifax does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to bring to your attention some inconsistencies that I have identified in my personal credit report. These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. While I understand that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. The other bureaus have already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following errors XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation