vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
When student loans left the federal forbearance period in XXXX, 2023, I set up auto pay with my credit union so Ed Financial could take out my payments and apply them automatically. They have been withdrawing the money every month ( XXXX, XXXX, XXXX so far ), but are not applying those payments to my account. They continue to send me late payment notices but the money is leaving my checking account. 

I have tried to escalate this with management at Ed Financial, but the only action they have taken to date is to cancel my auto pay. Now my Ed Financial statement shows that I am nearly {$1800.00} overdue in spite of auto pay taking that money out of my bank account.

I have shared with them twice now, bank statements proving the withdrawal on the same date each month, but Ed Financial continues to pass me from agent to agent with absolutely no resolution in sight. I will consider legal action in this matter if I can't get an amicable resolution as I am currently being defrauded by this servicer. 

I am attaching images of my accounts and billing statements. In the statement from Ed Financial you can clearly see that I was enrolled in Auto Pay until this week. This was Ed Financial removing me from auto pay, but not correcting their error. Please feel free to reach out if you need any clarification for these images.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed the accounts with lenders as fraudulent and they were closed, I request them to be deleted from my credit report for accuracy reporting.

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 2024-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed the accounts with lenders as fraudulent and they were closed, I request them to be deleted from my credit report for accuracy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX 2023 received an unsolicited credit card offer to open an account with Regions ( regions.com/preselectcash use promo code XXXX ). The solicitation simply states, '' Get a {$250.00} Cash Rewards bonus when you spend {$1000.00}. in the first 90 days '' Per their promotion there were no other stipulations to receive this reward. The credit card was approved and issued on XXXX XXXX in my name, card # XXXX XXXX XXXX XXXX. 
Per the promotion and within 60 days I charged in excess of {$1500.00}. to this card and have since paid all charges owing them in full. All paid on or before the due date. I want the {$250.00}. bonus credited to my account to offset future charges. Today I called their customer service number XXXX XXXX XXXX XXXX and spoke with an agent explaining i wanted the {$250.00}. reward added to my card. He verified I had met the {$1000.00}. charge requirement but said 90 days have to expire before the reward is credit to my account. Just by chance the 90 day requirement he referenced was satisfied today! Pointing this out to him he then said regardless of that at least two more statement cycles must expire before they would credit the account the {$250.00}. He furthur stated there were no exceptions to this even though I pointed out to him the promotion mentioned no such thing. He said he would open a complaint on my behalf.

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 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Illegally charged off and/or purchased my personal information from a third party and is reporting open and charged off and closed negative accounts, that I have no knowledge of. 
as evidenced in my previous complaint XXXX financial was sued by the for illegal practices for inaccurate information which previously appeared on my report as i am being compensated. 
from the suit as referenced in account number XXXX on my consumer credit report. 

These open accounts, that I have no knowledge of, constitutes identity theft and a is violation of my privacy. XXXX TransUnion and XXXX are guilty of identity theft as they have reported this inaccurate information without my written consent and without good cause.as section 623 [ a ] [ 6 ) clearly outlines the law. 
per the fair credit act this is violation of my privacy and constitutional rights as seen in FCRA AS PROVIDED IN SECTION 333 ( a ) of the act the violator shall be assessed a civil penalty of up to XXXX for each violation. 

These violations have caused me to suffer irreparable repair to my life and quality of life as such. 

PLEASE REMOVE THESE INACCURACIES FROM CONSUMER REPORT IMMEDIATLY

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 2024-01-05 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: KS

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Illegally charged off and/or purchased my personal information from a third party and is reporting open and charged off and closed negative accounts, that I have no knowledge of. 
as evidenced in my previous complaint XXXX financial was sued by the for illegal practices for inaccurate information which previously appeared on my report as i am being compensated. 
from the suit as referenced in account number XXXX on my consumer credit report. 

These open accounts, that I have no knowledge of, constitutes identity theft and a is violation of my privacy. XXXX XXXX and Experian are guilty of identity theft as they have reported this inaccurate information without my written consent and without good cause.as section 623 [ a ] [ 6 ) clearly outlines the law. 
per the fair credit act this is violation of my privacy and constitutional rights as seen in FCRA AS PROVIDED IN SECTION 333 ( a ) of the act the violator shall be assessed a civil penalty of up to XXXX for each violation. 

These violations have caused me to suffer irreparable repair to my life and quality of life as such. 

PLEASE REMOVE THESE INACCURACIES FROM CONSUMER REPORT IMMEDIATLY

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 2024-01-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
there are over XXXX inquiries on my credit report that I didnt do or do not recognize. Please remove these ASAP.

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 2024-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Company refused to provide the name of a person where to mail a corrected tax filing.

The company lawyers were also impossible to reach to discuss any form of settlement, causing the property to be sold unlawfully, and is being contested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed Portfolio Recovery Associates on my credit report and I've never had a XXXX card and Portfolio Recovery Associates is claiming I owe {$800.00} based on last report. However, when I contacted them, the information they have does not match and they are unable to share or provide ANY information linking me to this account. This is 100 % against XXXX policy and they should be fined for trying to collect a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
Experian reporting agency Companies. 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 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 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 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

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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 2024-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
back in 2016 i had a repo, just recently 7 plus year later that same repo was reported again to my credit report destroying the hard work i did to build it back up and will be on my credit report for another 7 years. 

i was told that after 7 years the case is closed and after 5 years companies could not reach out to try and collect or file against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2023 I applied for a Chase Bank Account. However, I was denied my own credit based on Chase doing an inquiry with XXXX later in which I recieved a denial letter from Chase on XX/XX/2023. My complaint to be clear is # 1 Chase denied the extension of my own credit which is unlawful and illegal # 2 My security interest is being used without my permission and/or benefit to me while Chase is receiving monetary benefit through the application and my estate # 3 Their action was discriminatory as they are benefiting from my estate yet denying my access through a score. As the Surety, my application represented and is the Orginal Collateral Certificate, as Surety I have power of attorney over this application, and through the power of substitution I am demanding that Chase open my account with the appropriate credit as I have power of attorney over the FDIC collateral as well, therefore my account needs to be open forthwith as an opened-ended account. Chase said it was the score that played a factor in the denial, however, that information and score were inaccurate. I am a certified healthcare provider and have major concerns as to where my XXXX  is being used and by whom without my permission or benefit. I am also opting out of any arbitration clauses and rescinding the security interest, security entitlements Chase may claim to be theirs, as well as the proceeds portion of the terms and conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Walmart/Capital One The law said it is illegal to report transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted EXPERIAN, XXXX AND XXXX and made filed a fraud alert with each of these credit reporting companies.

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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: FL

Complaint narrative:
Back in XX/XX/2023 XXXX XXXX, XXXX XXXX XXXXXXXX, illegally took XXXX out of my checking through a court order. I called the firm to let them know that I knew nothing about the account theyre referring to and requested that I get my money back, but the law firm has been refusing to give me my money back. I have been going back and forth the them since XX/XX/2023, but they been refusing to refund my money. I just would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently obtained a copy of my credit report and noticed a series of late payments being reported. I immediately contacted XXXX and Experian because the late payments being reported are inaccurate. The late payments showing on my account from XXXX and XXXX were covered during the pandemic and covered by the CARES ACT. I contacted creditors directly when affected with my hardship to setup an accommodation to ensure my credit would not be affected. Both accounts have been paid as agreed and closed. I was assured that my account status would remain " current '' during this period. 
Furnishing the late payments to my profile is in direct violation of FCRA law 15 USC 1681 s-2 ( f ). I'm assuming this is billing error, but this also further violates my consumer law specifically 15 USC 1666B. I have requested verification from XXXX and Experian with no response. These late payments showing from XXXX ( XX/XX/XXXX ) and XXXXXXXX XXXX XXXX XXXX ) are 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