vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: GA

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. 

XXXX 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, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: GA

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. 

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, XXXXXXXX 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry 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 non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have an credit card account with American Express that I have been trying to claim my interest that is owed to the principal to pay on the account. After sending several claim of interest notices, American Express sends me emails stating that they're investigating my inquire and then say they don't see any issues. I have even sent in billing error notices and still nothing was resolved. I just got a notification that my account was closed and the balance was never credited to the account. American Express XXXX XXXX agreement even says that interest is due to the principal along with my credit statement that also says that the credit balance is showing represents the money owed to my principal. At this point American Express is breaching there fiduciary duties and if this issue isn't resolved I'll have no choice but to file for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/year> call Equifax to remove credit freeze so lender, XXXX  XXXX XXXX, could pull credit for a mortgage application. Was advised this would take place same day. credit freeze not removed and subsequent telephone calls made to Equifax service center throughout early to mid XXXX, continuing to late XXXX including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Credit freeze lifted the morning of XX/XX/XXXX but before the lender could pull credit, by the afternoon of XX/XX/XXXX the data feed was deleted and now when logging into to Equifax, no data is displayed. Lender still can not pull credit. Called Equifax about this new issue XX/XX/year> and XX/XX/year>. They now want to send a link for the submission of a copy of a Social Security card and Driver 's License whereas before they would text a code. I am not going to submit copies of these documents to an international call center for no valid reason. All of these problems have been explained by representative after representative as technical issues, with no reason as to why, no ability to talk with a manager, and no prompt resolution. This is resulting in the ability to apply for a mortgage. There is no domestic telephone number for Equifax and I have received no service, no resolution and can not move forward. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am writing to dispute an account on my credit report, which I have contested XXXX times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : XXXX Account Open Date : XX/XX/year> Issues : Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you provide : The last billing statement from the original creditor, including the amount due and the date it was due. 
If you can not provide this information, I request that this account be deleted from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-08-18 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: OH

Complaint narrative:
I attended the XXXX XXXX University, a widely known predatory school, and want to apply for discharge of the Navient private student loans the university was issued on my behalf. 

The Project on Predatory Student Lending ( PPSL ), the nonprofit legal organization representing borrowers defrauded by predatory colleges that has been monitoring the XXXX XXXX XXXX  lawsuit, in which I am a class member, issued a press release stating " Navient began quietly sending a new application to a select few borrowers, including some PPSL clients, allowing borrowers who experienced misconduct at their school to apply directly for discharge of private loans ''. 

As a class member of the XXXX XXXX XXXXXXXX lawsuit, which ruled that I am entitled to federal loan discharge, I believe I meet the stated criteria to apply for a School Misconduct Discharge Application for my private loan, also issued by Navient. 

I contacted Navients Office of Consumer Advocate on XX/XX/XXXX requesting a School Misconduct Discharge Application for private loans. 

XX/XX/XXXX I received a response stating that " additional information was needed in order to fully review my concerns, such as my Navient account number '' and I promptly replied with the information they had requested. 

On XX/XX/XXXX, I received a reply stating : " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I believe this is incorrect as I do not have a refinance loan. 

Navient issued standard Private loans to the university on my behalf. I did consolidate my debt with a different lender essentially leaving the Navient account as " paid in full '', however, Navient did issue the initial loans which I am currently still paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-18 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-08-18 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
HSA Bank and Webster Bank manage my HSA ( Health Savings Account ) account. 

On XX/XX/24 I asked XXXX to initiate a transfer of assets from my HSA from HSA Bank to XXXX. They faxed the required information to HSA Bank, but HSA Bank did not respond. 

XXXX faxed again on XX/XX/24 and the request was ignored. 

On XX/XX/24 I called both XXXX and HSA Bank and confirmed the correct fax numbers and account information. XXXX re-faxed the information on this day ( XX/XX/24 ) again and the request has been ignored. 

On XX/XX/24 I called HSA Bank again to understand why the transfer of money had not taken place as instructed. I was put on hold and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have an credit card account with XXXX XXXX that I have been trying to claim my interest that is owed to the principal to pay on the account. After sending several claim of interest notices, XXXX XXXX sends me emails stating that they're investigating my inquire and then say they don't see any issues. I have even sent in billing error notices and still nothing was resolved. I just got a notification that my account was closed and the balance was never credited to the account. XXXX XXXX XXXX XXXX agreement with the Bank of New York Mellon even says that interest is due to the principal along with my credit statement that also says that the credit balance is showing represents the money owed to my principal. At this point XXXX XXXX is breaching there fiduciary duties and if this issue isn't resolved I'll have no choice but to file for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im XXXX deposited a cashiers check for {$980.00}. The mobile deposit did not work. The bank XXXX had to manually re-deposit the check gave it back to me and I got a car accident with a passenger who ran and took my purse along with my wallet with the check in it XXXX XXXX, which I found out with the help of a lady at the bank was the one who the check ATM they took the money out of my account ATM XXXX deposit XXXX XXXX deposit well the bank XXXX deposited mine RE deposited it XXXX thing and it was deposited before the ATM so it shouldve stayed in my account and then it caused all kinds of problems. Every time I took out an ATM withdraw XXXX more signature transactions came out {$300.00} withdraw and then with a pin for a signature transaction that I have never done XXXX more would come out with it. Every time I went to target to withdraw came out at target XXXX presented all this information to these people, and nobody could figure out what department was gon na do it so they just blew it off and close my account when they overdrafted for all my withdrawals that were supposed to come out before they took the {$980.00} back, overdraft fees, and close my account and labeled bank fraud Whereas I can not get a checking account anywhere to pay my bills and I am on XXXX where I would like my check to go through bank account instead of the XXXX card who has a ton of fraud and they never get it back. Police report understood that the DAs office arrested the person and charged them with his crime, but nothing was ever reported to me what was done with it, this is Bank Of America for XXXX XXXX XXXX XXXX last XXXX digit to my Social Security number XXXX. I would appreciate {$980.00} back in my cashiers check it was deposited. I believe it was XXXX or XX/XX/XXXX or XXXX. Its been so long And they just blew it off and kept my money in addition to that there are {$4000.00} in withdrawals and fees that they assessed my account for those withdrawals those signature transactions and duplicate withdrawals in addition to overdraft fees {$980.00} whereas I made transactions because I knew there was money there I just completely got the runaround about XXXX disputes dropped off paperwork at the XXXX XXXX location dropped off paperwork and spoke with the bank XXXX at the XXXX location several times and was escorted out when I was crying and upset because they would do nothing about it Open account XXXX Wire transaction that they could not get it together and complete properly and had to wait on a check and then wait for the check to deposit

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 2024-08-18 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I went to get a loan. I did not get approved. My credit score went down. There is an inquiry on my credit report from that company. My credit score went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I have personally reached out more than XXXX times to resolve this matter. I have submitted the attached documents in writing to BSI directly and to their complaint department with no resolution. I agreed to and was approved for loss mitigation as of XX/XX/2024. My loan was transferred and BSI Financial Services has failed to uphold an already approved FHA loan modification. I have now received XXXX documents that contain a full breach of contract and violation of FHA rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: MS

Complaint narrative:
I have been on military duty since XX/XX/year> and someone have been using my identity without my permission. I have advised them that these are not my accounts. I have never lived or been to XXXX. The address, phone, email and other information reporting does not belong to me. I have advised them to remove the fraudulent address from my report as well. I have advised them to removed these accounts and asked them to send me a new report once removed however all accounts were not removed and they have advised me that the accounts have come back as accurate and verified however have not provided me with any information on how they came to that conclusion.

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