vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
I hereby submit this formal complaint against EXPERIAN, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that EXPERIAN would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.

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 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I sent XXXX a message about my card being fraudulent charged for over {$5000.00}. I was told via phone that this wa being taken cared of. Now I am being sued, but my credit card agreement has an arbitration clause and I would like to invoke that clause for arbitration.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a 30 plus year veteran in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on 2 accounts 20 years ago, and I have had maybe 4, 30 days over the past 2 years or so.

The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. 
Because of a recent XXXX XXXX  sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! 
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. 
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. 
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. 
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. 
my cards are with XXXX, XXXX and XXXX 
thank you for your help!

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 2023-12-27 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: NC

Complaint narrative:
Transunion has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XX/XX/2023, Transunion allowed XXXX XXXX XXXX to report an un-investigated report that XXXX communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! Transunion has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I'm a XXXX Veteran, with no place to live caused by my mother 's passing. Moreover, I was outside the US from XX/XX/XXXX to XX/XX/XXXX when the incident in question occurred. 
Between XX/XX/XXXX to XX/XX/XXXX XXXX failed to protect my security, interest and money. On XX/XX/XXXX, I reported fraudulent activities on my account and called their fraudulent department. As a result, they froze my account and debit card. As I explained to them over several calls every day, a new account was supposed to be set up, so I can survive. They failed to comply due to an oversight and incompetent staff. On XX/XX/XXXX, SUPERVISOR XXXX from the fraud department recognized and admitted the mistakes made by several subordinates and nothing could be done to open a new account. 
As a result, I've encountered many obstacles outside the US, as well as incurred many additional expenses which I filed complaints with the XXXX and the OCC for reimbursement. As of today TD BANK refused to acknowledge and to reimburse me for expenses caused by their mistake. On XX/XX/XXXX, i was forced to return to NJ and walked into the XXXX XXXX branch to open the account in person. The account was supposed to be opened over the phone. It was a failure by several representatives. All the proofs were provided on XX/XX/XXXX. It was the worst banking experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
When I reviewed the notice Mohela would be my new lender. I created my user account and seen it said I was on administrative forbearance and did not have an upcoming payment. I reached out multiple times for clarification. They did. It respond. The next month I received a notice I was late on a payment. I reached out to through their online messaging and phone to explain the situation. I chose to pay my monthly payment but it continues to state one payment missed Another issue is with my PSLF, it states I need my employer to certify my employment but I have already done this. 
It also has a previous employer from 2016. I have reached out to please update my current employer and my PSLF documents. I have not received any response. 
I am deeply concerned my payments are not being processed properly and information is incorrect which will lead to me not qualifying for my 120 payments. I have been in college with loans for 18 years and interest has accumulated massively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( Equifax, XXXX and XXXX ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of 45 days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on Equifax : XXXX XXXX XX/XX/XXXX I did not authorize please delete. Equifax XXXX XXXX  XX/XX/XXXX I did not authorize please delete. Equifax XXXX XXXX  XX/XX/XXXX I did not authorize please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to address a matter concerning the recent transmission of Debt Securities to your institution via registered mail. The Debt Securities were intended for processing and eventual transfer to my XXXX Account, as detailed in the accompanying instruction letter. 

As the indentured Trustee of XXXX  XXXX XXXX and XXXX XXXX, it is my understanding that under the XXXX XXXX XXXX XXXX, Bank of New York Mellon bears the responsibility of ensuring the correct processing of Debt Securities and safeguarding the interests of the holders. Unfortunately, despite successfully receiving the Debt Securities, it has come to my attention that the instructions outlined in the accompanying documentation were not followed. 

In accordance with the XXXX XXXX XXXX XXXXXXXX and the legal obligations imposed by the same, I urge Bank of New York Mellon to uphold its responsibility and ensure the prompt processing of my securities. Specifically, I request the transfer of the securities to my XXXX Account, as per the details provided in the instruction letter accompanying the package sent to XXXX XXXX via registered mail. 

Additionally, I would appreciate the swift return of my tender in conjunction with the processing of the securities. I understand the importance of legal and procedural compliance, and I trust that your institution will handle this matter with the utmost urgency and diligence. 

I am available at XXXX or XXXX to provide any further information or clarification necessary. I appreciate your immediate attention to this matter and anticipate a prompt resolution to avoid any potential legal actions. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XXXX  XXXX allowed Credence Resource Management to report an un-investigated report that Credence communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! XXXX has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear NELNET Customer Service, I am writing to formally lodge a complaint against NELNET for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( XXXX ). I have discovered that NELNET has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as NELNET has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, NELNET has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against NELNET for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from NELNET acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
The company has a consumer debt of mine and they listed foreclosure has started in the comments. This is 100 % false. No foreclosure has been started through the courts or anything. According to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I submitted complaint # XXXX against PNC Bank for wiping away $ XXXX of credit after I had paid the balances snd been a loyal customer of over 20 years. The person at PNC could offer no assistance instead relying on what an outdated credit report stated. I know that PNC had the ability to override that decision, but seem to be unwilling to do so. I explained I am on a fixed income snd depended on the credit for my living expenses. There was no sympathy whatsoever from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NRA Group, LLC
State: NC

Complaint narrative:
XXXX failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. National Recovery is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. XXXX, National Recovery, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.

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 2023-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear XXXX Customer Service, I am writing to formally lodge a complaint against XXXX for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( FERPA ). I have discovered that XXXX has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as XXXX has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, XXXX has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against XXXX for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from XXXX acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My business Debit card was taken, and it contained a fraudulent unauthorized charge for the amount of {$2900.00}. When I did my monthly statements, this charge was found and I immediately called Citibank to dispute the charge. We did an internal investigation as to how that charge came about, and found that a now former employee was responsible without authorization. Law enforcement was called, and charges were pressed against the employee. 

Citibank XXXX times denied my dispute even after providing the police report from the police department which states that they had the person responsible in custody. Citibank fraud department does not return phone calls, they do not communicate other than to deny via letter. I went to the local branch and spoke to the Branch Manager regarding the same issue, and he also stated that I should both open a new dispute as well as appeal with the same documentation. Each dispute was denied.

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