vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bankruptcies is still on my credit report .after 10 years .it is stopping me to future my career Record Type XXXX  XXXX bankruptcy discharged Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XX/XX/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
Consumer complaint received 2024-02-23 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I went to Huntington Bank on XXXX XXXX XXXX XXXX XXXX, XXXX to make deposit I give my checks to XXXX XXXX XXXX, I give her my ID and my Bank Card, she gives me the receipt. When I check the receipt, my balance was incorrect I ask her to check everything and she told me that is correct balance I was scared that someone stole my money, I come home and check my account. The balance was correct not like on receipt when I check the receipt and my account nr. the nr on receipt was totally different. I come back to bank and find out that she the posit my money to totally different account which was not my. she was very rude no explanation or apology. I need wait so manager can fix this problem. Also is not her first mistake. She should not work in the bank she is very irresponsible person. Its happened on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
This is Friday, XX/XX/year>, and Equifax said that the problem was fixed, but it's not. my.equifax.com is still not displaying my credit report. Please see the attached document which shows a picture of the my.equifax.com error screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I petitioned for Firstmark Services to stop making harassing calls to me for over a year. I asked that they make notes, to my account, on several occasions. Each time, the representative said they would. The calls continued, followed up by emails, as I wouldnt answer. During this time, they called daily. I finally got fed up and responded to one of the follow up emails to which the representative said Since you have requested to stop calls, I will use this email as proof of a cease and desist. I will submit a request to get your account suppressed to stop the phone calls. 

The calls have stopped. 

So what is the complaint? This company continues to give misinformation. Continues to show lack of training and consistency across staff. After a year of requesting the same thing ( to which I looped into my initial complaint and received the following response : Contact Attempts Based on our commitment to serve you, we think its important to offer assistance when your account becomes past due for payment. In addition to your monthly billing statement, we call both you and your cosigners, [ I am redacting their names ], once your account reaches four days past due. Resolving your past due balance will prevent additional calls, referral to debt collector, and continued delinquency, which may be reflected in the loan data we furnish to the consumer reporting agencies for both you and your cosigners. ) I may not receive a response, as they threatened to stop responding on my second complaint, but I hope that this assists the next person in the steps to take to stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
All of my federal loans were through XXXX and they were all forgiven last summer via PSLF. However, they all still show up on my credit report with the balance from before the loan forgiveness was processed. XXXX and student aid.gov both show a {$0.00} balance, but this was not reported to the credit bureaus and so it is not reflected on my credit report. My credit reports think I have much higher debt as a result.

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 2024-02-24 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Debt is time-barred in my state of Georgia!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: MS

Complaint narrative:
In XX/XX/year> I received a loan from Best Egg Loan that same month I filed a XXXX  XXXX bankruptcy & included them in the bankruptcy as well as provided them verifiable documentation from my attorneys office informing them that they had been included in the regular bankruptcy and amended bankruptcy ( XX/XX/year> ). Best Egg did not not honor the documentation that had been submitted via email. Every time I contact them they've given me the run around and refuse to update the credit bureau 's of the status of my account. They have my account listed as delinquent 90 days when it should be charged off included in XXXX  XXXX bankruptcy. They are the ONLY company that has given me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
XXXX, All they did was updated and did not remove from my credit ( see attached ) Original request to remove these items that are in Violation of Code US1692g Code 604 15 USC1681b and 15USC1681C-2 Repo : 15 USCode 1635, 15USC Collection companies that I have no business with neither gave my signature or permission to report any thing to my credit. Inquires that I have no knowledge of. repo reporting has an open account with a balance. Together XXXX reporting a huge balance on charged off account Those items are creating XXXX in my life

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 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
If I would have known the the wire transfers out of XXXX XXXX would have affected severely, I was misguided and it ruined my life in everyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: 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. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint against the Department of Education/Aidvantage for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights. 

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by Aidvantage. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Aidvantage 's request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws.

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to Aidvantage, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that Aidvantage cease all unauthorized collection and reporting of my personal information, including transaction history and SSN.

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the Department of Education/Aidvantage . Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
Experian has been erroneously including my XXXX Bank HELOC account balance in the calculation for credit utilization rate. Experian previously performed the same erroneous calculation, which took several months and many hours on my behalf to correct. Several months following the correction, Experian once again included the HELOC  balance in the calculation. I have provided documentation XXXX times that shows the XXXX Bank account is a HELOC  and not sure why making the correction is so difficult. Experian decreased my credit score XXXX points by including the HELOC  into the calculation. 

As an indication as to the difficulties dealing with Experian, when I was finally able to speak live with someone, they had no idea of a HELOC and informed me that they did not see any company with the name HELOC on my credit report with an outstanding balance. A second indication of the difficulties is reviewing the updates on this website. As of XX/XX/2024, Experian reported to CFPB that the dispute is still under investigation. I received a notification that the investigation has been completed, XX/XX/2024, and updates made. I am not sure what type of updates were made but they are not correct. The HELOC balance that had been included with the credit utilization rate is approximately {$50000.00}. This balance of {$50000.00} now is listed as {$0.00} and my credit score should have immediately increased, if properly corrected. Instead, what occurred is the {$50000.00} balance had been paid in full representing a {$0.00} balance and rather than my credit score increasing, Experian reduced by credit score by XXXX points. 

There is no doubt that whatever updates were made by Experian, were totally mismanaged and incorrect. I take pride in maintaining a credit score within the XXXX range but it is very difficult when the company in charge and control of such score continually makes errors for non complex matters, then refuses to clean up the mess they created. Each time I try and determine exactly what occurred, I am only bombarded with messages that the information can only be obtained by upgrading and paying a fee. So, Experian creates to problem, reduces my credit score substantially, refuses to correct my credit score and attempts to charge me for information. Seems like a pretty good business plan to increase revenue.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been trying to get my XXXX data breach settlement and receive my free Credit Monitoring through sense XX/XX/2023. Experian had me paying {$25.00} a month when I was told its free for XXXX data breach victims. They pretend to help and agave me a 7 day trial instead of a year premium as should. They placed my on the Basic plan instead of premium. They forced my credit report to be unlocked 3 times for others and creditors to see Dearing disputes. The refuse to handle my disputes by the FCRA policy and guidelines correctly. When I try protecting myself through the Fair Credit report Act, They tell me that FTC and FCRA don't know what the laws are, and dont know what they are talking about, and the FCRA 's are wrong about the 7 year limitations, that they are wrong about Civil Judgements, That FTCA are wrong to say all information on report must be accurate, and that the FTCA are wrong about medical information on credit report. Its like the FTC don't matter to them and they are going against the FCRA and been in trouble before by doing the same thing on the FTC Website. They have been depriving me of my rights to disputes sense XX/XX/2023. No matter how much material I send from the FCRA and The FTC. The more they intentionally unlock my reports, change my credit report information, and refuse to remove inaccuracies and Judgements and limits pasted. They are scammed and I dont want them handling any of my information. Everything must be accurate across the board, or removed once a consumer report. They are to act accordingly and not acting bias as they have to me. Experian has been a disappointment. And the even have information showing for XXXX. XXXX say there are nothing on my report : But Experian Basic plan Shows there's a medical on my XXXX. They send me back and forward wasting alot of my time. I want a lawsuit on Experian and XXXX for Deprivation of Rights.

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 2024-02-24 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: NJ

Complaint narrative:
Transunion Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then 30 days still no update so this a violation of my right delete these account immediately From XX/XX/year> to XX/XX/year> and even before that NO NOTICE OF DISPUTE was done to my credit delete immediately for INACCURACY AND VIOLATION OF MY RIGHT FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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 2024-02-23 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: MS

Complaint narrative:
I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX.l never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: MS

Complaint narrative:
I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXXXXXX XXXX XXXX account number XXXXl never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on 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