vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
My loan servicer is EdFinancial. Earlier this year they changed from one system to a new one. After I followed the instructions to create an account in the new system and waited for the transfer to complete, I found my loan balances to be much higher than they were before. I'm now unable to access historical information on either the old system or the new. Statements are gone. Interest rate information is gone. I emailed them via their contact us form 3 times and only received a response once asking me to upload payment information. I did that and never heard back. I was finally able to get a phone number to reach them. The representative said she would open a ticket to get me copies of all my statements and request an account review to verify the payment totals. She also advised me that she saw nothing wrong with my account and I would have to prove that I made more payments via bank statements if I believed it was wrong. She said it would take up to two weeks for the statements and account review to be handled, and even insisted that point when I said I'd give them a month since they always take longer than they say. It's been over a month with no word from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. COMENITY BANK XXXX Inquiry : XX/XX/XXXX, XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am not liable for the debt with the LOANCARE account.

I do not have a contract with LOANCARE.. 
LOANCARE has been reporting on my credit without my consent.

I did not give them permission to report, nor was I given the option to opt pursuant to 15 U.S. Code 1692g - Validation of debts I demand that it be deleted from my credit and updated.

Debt validation request unrebutted.

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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: SC

Complaint narrative:
My wallet and cards were lost as stated in the police report. I have several cards that were lost not just this one and I'm still working to get my money back from all of my other cards. Please see attached police report and transactions in question. 

I have reported to PNC in XXXX as soon I noticed those transactions. 
I did not get the transactions highlighted credited back. I have reported them as fraudulent but they were never taken off my account or they have been rebilled. Please note the last valid transaction on this card should be on. 

XX/XX/XXXX XXXX XXXX  XXXX CA {$1.00} ( monthly auto bill ) EVERYTHING after XX/XX/XXXX is fraudulent ( See highlighted PDF for the fraudulent charges ). Please help me reopen the case if there is still one pending. I haven't heard back from anyone from PNC so please email me and call me if possible. I am still in between moving and work traveling so rarely home. 

Pattern of spending is totally out of my character too. As well as I see a lot of those charges are in Florida! I was nowhere near FL when this happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and TD Bank. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. 

This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: IN

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 an XXXX & 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 get sued for these damages. This is negatively affecting 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 non-monetary relief
Consumer complaint received 2023-08-27 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: IN

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 an 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 XXXX 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 get sued for these damages. This is negatively affecting 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 2023-08-27 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: NY

Complaint narrative:
n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-27 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: NY

Complaint narrative:
n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to Transunion via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Transunion responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Transunion requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Transunion responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Transunion is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Transunion credit report XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: CA

Complaint narrative:
I entered into an agreement with XXXX XXXX XXXX in XX/XX/XXXX. They went bankrupt in XX/XX/XXXX and my account was transferred ( without my authorization ) to Consumer Legal Group ( CLG ). I have paid over {$32000.00} and nothing has been done to improve my credit. When you call all you get is scripted messages. I have asked to talk to an attorney and have never been connected. This entire thing is scam. Its theft. I want my money back and will do anything I have to do to make that happen. I have already filed complaints with the XXXX, FTC, CFPB, and filed a local police report. Stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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:
I mailed my written request for validation, verification, and incorrect credit reporting to be deleted. I also requested a refund for all payments I made towards the alleged debt. As of today 's date XX/XX/XXXX XXXX Card ( " XXXX '' ) is still communicating false and inaccurate information to Experian with no permissible purpose which violates 15 USC 1692e ( 8 ). My rights as a consumer are being violated pursuant to 15 USC 1692h. My instructions were not followed. I requested the name and address of the original creditor of the alleged debt and XXXX failed to provide me with it. I am aware that I am in fact the original creditor. 

I am facing adverse actions due to the false and inaccurate reporting. I continue to be denied credit and my XXXX XXXX has dropped significantly. 

I mailed out my written requests on XX/XX/XXXX and XXXX received my communication on XX/XX/XXXX, XXXX pm as evidenced by 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
Consumer complaint received 2023-08-27 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: LEXISNEXIS
State: GA

Complaint narrative:
RE : Warning to Remove Incorrect Items from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed. 

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/2023, I sent out a letter of validation of debt pursuant to 15 USC 1692 GB. Prior, I noticed a debt collection account was furnished on my report. I did not recognize this company, and I did not receive a model form b1 form pursuant to 12 CFR. 1006 Regulation F. I gave the company 30 days to validate the debt and now it's been more than 30 days, but no response. I tracked them and saw that my letter has been delivered to them. They ignored my letter and failed to delete the parked account off of my consumer report. They violated my consumer rights by failing to validate and prove that the debt belonged to me as well as furnishing incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I mistakenly thought I had no foreign transaction fees from a PayPal/Synchrony MasterCard . I have another PayPal/Concerto MasterCard ( business ) that did not have the foreign fees and mixed up the information. A supervisor reviewed my call log back in XXXX, prior to our trip, a call that was to verify no foreign transaction fees, car rental insurance, and travel dates. They confirmed my conversation and verified that I had acknowledged that foreign fees existed. 

The purpose of my writing was to try and make awareness and require each credit card statement list all potential fees in a basic line to make the consumer aware. There is plenty of blank space to do that, but all that's provided is the Purchase/Balance Transfers and Cash Advances. I could not easily find the information I was looking for and went for the phone call. In my recollection, I had no foreign transaction fees but there was no rental car coverage. We went about our trip using this Synchrony card and XXXX XXXX. 

Part of me thinks it may be to the advantage of the card company to not display this information on every statement. Even listing some coverages that your card may have with a URL listed for detailed information would be very 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. JMPCB CARD SERVICES : Inquiry : XX/XX/2023. XXXX : XX/XX/2023. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and XXXX XXXX. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. 

This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.

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