vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I was laid off due to Covid-related issues. I called Navient on XX/XX/2022, regarding my private loan and was told that I could put my account in forbearance until early XXXX due to my situation. I paid {$150.00} to put my account into forbearance. Then I called back in the first week of XXXX XXXX XXXX  and told them that I would be unable to continue paying for forbearance because I was still job searching and still unemployed. I asked them if I could get income-driven payments or receive any kind of support program due to Covid-related issues and they said no, that it wasnt even an option but that I had three months AFTER XXXX before my before my account became delinquent so I had a little bit of time. It is XX/XX/XXXX, not even a 1.5 months later, and I looked on my credit report, and my student loan accounts are delinquent. I looked over the fine print of the late notice that Navient sent me ; it says nothing about the DATE for which delinquency would start even though I was very clearly verbally given a 3-month window. ( I am pretty sure Navient has this conversation recorded for their records. ). Navient clearly does not care to give me options to help me during this difficult time, and they also gave me false information, and now it has very adversely affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.

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 2022-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have over {$100000.00} on deposit in a Citibank savings account. I check the account balance from time to time, even though I have not been making additional deposits or withdrawals. Citibank sent me a letter on XX/XX/XXXX, saying that my account " will be considered inactive and may be blocked and subsequently closed, '' if Citibank doesn't hear from me within 15 days of the date of this letter. '' The letter further states that the funds in my account " may be turned over to the state as abandoned property. '' This caused distress because the amount of money is substantial. As I have been accessing my account online to check the balance, it seems unreasonable that Citibank should threaten to turn my money over to the state as abandoned property.

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 2022-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a fake call saying they are from Macys! They ask for some female! I do not have a Macys card and I thought they were out of business. When I manage to get someone on the phone they have a very heavy accent and have the nerve to ask for my XXXX #. Of course I am not that XXXX They call at least once a week. The telephone number they are clg is an emergency landline for only two people : My wife & a daughter! In case I can not be reached by my Cell phone number!

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
These companies have stated theyve conducted an investigation to remove all improper or an accurate information from my credit report. They have not done this. The last investigations took way too long for them to address the issues that I pointed out that they still have yet to fix. For example, on XXXX XXXX I did not and do not know of any information research company that decided to pull a hard pull for my credit. And it is baffling to me how XXXX seemed to get the information correct yet Equifax and XXXX still continue to do what they want to do. Additionally I have never lived on board the XXXX XXXX XXXX XXXX. I fail to understand how their investigation gets these results but the reporting companies for the XXXX bureau has correct information! I have never authorized them to report anything concerning me yet they still continue to place false information on my credit report as if they had a right to do so. They can get this fixed immediately or we can go to the FTC. I am tired of waiting for them to figure out their mistakes that have already been pointed out. I dont care what fake company they choose to use to gather information, they should do the job themselves, aka a proper investigation, to see where I live, what I have done, and where I work instead of reporting false and fake information about me such as the husband they had attached to my account when I wasnt even married! This is the absolutely last chance to get all information correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXXhas violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCRA And Congress Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my accounts was properly verified by FCRA method they took, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE is different with each Credit Bureaus Which mean Creditor is reporting inaccurate information to each Credit Bureaus. Or is the Credit Bureaus Reporting or furnishing whatever they choose. Moreover, whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. 

THIS IS A VIOLATION CAUSING ME DAMNAGES TO DEAL WITH ADVERSE REACTION IF I APPLY FOR CREDIT, HIGHER PREMIUMS, THIS IS NEGILENCES GROSS NEGILENCES AT THAT. MONETARY RELIEF AND DELETION IS WHAT I AM REQUESTING. XXXX FOR EACH VIOLATION. 

THEY ALSO VIOLATED THE LAW CONGRESS SET IN PLACE TO HELP CONSUMER BUT BIG COMPANIES ARE BREAKING THE LAW. 

15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY! 

15USC 1681 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT IWTH MY WRIITTEN INSTRUCTION. PLEASE FURNISH DOCUMENTs WHERE I HAVE GIVEN WRITTEN INSTRUCITON. IN WHICH I DID NOT BELOW.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Wells Fargo card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Wells Fargo card services to furnish any late payments to my consumer report. It is my belief that due to Wells Fargo card services business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX 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 a account without my written instructions US Dept of

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 a account without my written instructions US Dept of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my Wells Fargo back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation