vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 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 of 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 explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
As of XXXX, XXXX, I was in possession of eight Unsubsidized and Subsidized Direct Student Loans ( Student Loans ) serviced by EdFinancial Services ( EdFinancial ), totaling {$27000.00}. These loans were used to fund my college tuition at XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. 

Separate from my Student Loans, my mother also possessed her own Direct Parent Plus Loans ( Parent loans ) for my college tuition, totaling {$67000.00} as of XXXX, XXXX. In XXXX, XXXX, I received a letter from EdFinancial that my Student loans were incorrectly paid in full. I have attached EdFinancials letter as Exhibit 1. Rather than correctly applying a large lump-sum payment that my mom had directed toward her Parent Loans, EdFinancial wrongfully applied her payment to my Student loans. I have attached a copy of the check used to make the payment as Exhibit 2. In doing so, EdFinancial altered my account information without my consent, so that my home address matched my mothers current home address listed in Exhibit 2. Due to Edfinancials mistake, I have been unable to make regular payments towards the principal of my Student loans, while my mothers Parent loans continue to accrue interest. 

After I discovered EdFinancials mistake, my mother and I have each repeatedly contacted EdFinancials customer service team to resolve the issue. That month, my mother submitted formal inquiries through EdFinancials online portal informing them of their mistake in crediting my account with payments that were clearly marked for my mothers Parent loans. However, she received no subsequent indication that a correction had been made to her account. On XX/XX/XXXX, I contacted EdFinancials customer support staff by phone, and was promised by EdFinancial that they would resolve the payment error on their end within 60 days. In a follow-up call with myself, my mother, and EdFinancials customer support staff in XXXX, XXXX, EdFinancial again promised they would ( 1 ) fix the mistake with my Student loans and my mothers Parent loans with their financial department, and ( 2 ) not charge my mother for any interest accrued as a result of their mistake. Yet, in XXXX, XXXX, I received an email from EdFinancial Services acknowledging the payment meant for my mothers Parent loans, while failing to remove a new {$45000.00} refund balance that is now present on my EdFinancial account. I have attached a copy of the email as Exhibit 3. I have since repeatedly informed EdFinancial that a refund of {$45000.00} to my account would be insufficient to resolve their mistake, as I can not afford to reimburse my mother for the remaining {$22000.00} on her Parent loans. However, in XXXX, XXXX, my mother and I both received tax forms from EdFinancial that continue to show incorrect balances for each of our loans. I have attached a copy of the balance on my Student loans as of XX/XX/XXXX as Exhibit 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NY

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 2024-04-03 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:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-03 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:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-03 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: HW Holding, Inc
State: IL

Complaint narrative:
It appears that the Company Hunter Warfield have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX  XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX of my checks have been stolen. This happened last XXXX. XXXX to my mortgage company and XXXX to my XXXX. They were clearly forged on the back but Truist let them clear and now I have lost close to {$3000.00} I have called Truist fraud many many times and I have physically been to the bank several times and they will not help. They keep telling me someone will call me but they never do. Truist should be investigating the account that the money went into but they are just giving me the run around.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Newport Intermediate Inc.
State: TN

Complaint narrative:
I purchased a promotional prepaid debit card through my company 's employee rewards program in XXXX, XXXX. I did not activate the card until XX/XX/XXXX, and at the same time activated several other cards and transferred the balances to XXXX card. I attempted to use the card with the balance on XX/XX/XXXX, which I had used previously but it still had a remaining balance. The card had been deactivated. I saw that it had an expiration date of XX/XX/XXXX on the card, so I called North Lane Technologies , Inc. ( the administrator of the card ) and requested that they reactivate the card. They would not reactivate the card. I asked what happens to the funds that I paid for and loaded onto the card, and they said they were forfeited because the card expired. 

I explained to them The Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX, which requires that Bank gift cards, which carry the logo of a payment card network ( e.g., XXXX, XXXX ), are also subject to Credit CARD Act protections and can be used wherever the brand is accepted. Under the law, a gift card can not expire until at least XXXX years from the date it was activated. XXXX XXXX has escalated the case. 

I have also filed a complaint with the Federal Trade Commission ( Ref : XXXX ), and will be contacting my State Attorney General. 

I would like my card to be reactivated, reissued or my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

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 15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor 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 explanation
Consumer complaint received 2024-04-03 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: FL

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 15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor 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 2024-04-03 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
I purchased a slight large amount online for myself. I got a code sent to my phone after checking out and finalizing my order but it got declined. Shortly, received a text my account got flagged for fraud and need to call them. I called citibank right away and stayed on the line over XXXX minutes. In the end, they said they cant verify my account and need to wait XXXX days snail mail for verification code. I have to call them back again for the code. The inconvenient they put customers when they cant use their credit card because they can not verify us is horrendous. Now, we are left hanging and waiting. We got a credit card for a reason.

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 2024-04-03 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-03 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

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 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX. The Credit Bureaus stated my accounts was properly investigated and/or verified. How is that possible if the date last activity is inaccurate, chargeoffs amounts are different, and/or the opened/no closed date for written/charge offs accounts shows on my credit report as a closed account before the open date of the account. This grounds for removal as they have multiple errors that have violated my rights under the following laws : 15 U.S.C. 1681 section 602a States I have the right to privacy. 15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. section 605c a. section 1 : Running of reporting period. ( XXXX ) In general. The XXXX period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 15 U.S.C. section 603e in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX : The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
-Equifax Information Services LLC : The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within XXXX days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a notification on XXXX XXXX regarding there had been a hard inquiry on my account. The company was Capital One Bank USA. I reached out to let them know, I had never requested a credit card or any loan thru them. They simply told me there isn't anything they could do because my information was given to them. So, I called XXXX to inform them of what happened. They advised me to enter a report at fraud.ftc.com. Which rerouted me to enter a compliant here. I also put a freeze on my credit, and I already have a monitor service on my credit is how I was notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024 I sent a third written request regarding inaccurate and unknown things on my credit report. It has been over XXXX days without a response and I feel like I am being bullied after being ignored for so long. 

Section 611 ( a ) states plainly that a failure to investigate these items gives a reason to immediately remove those items from my credit report. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding the continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed on my credit report still remain in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

These companies stated in writing that they have verified that these items are being reported correctly but have provided no proof of the claims after months have went by. 

I demand that these items be removed from my credit report at once.

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