vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have been waiting on a check to be delivered to my house address and i haven't received anything yet. It's been more than 6 months they said they would send me a check but anytime i call them. They don't respond to me normally. It's really frustrating and i have been really patient

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 2023-09-06 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Request for Removal of Late Payments from Credit Report - Reference Law 15 USC 1681a and 15 USC 1666b According to the Fair Credit Reporting Act ( FCRA ) as per Law 15 USC 1681a Definitions rules of construction ( 2 ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I have recently reviewed my credit report and noticed that late payments have been recorded on my account for the months of XXXX, XXXX, and XX/XX/2023 on SOME not ALL reports. I would like the status updated to paid as agreed or okay. 

In light of this, I would like to draw your attention to Law 15 USC 1666b, which pertains to timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, on consumers reports furnished to credit reporting agencies. 

According to the law transactions ( late payments ) are not to be on my consumer report. I understand the information reported is by choice and not required. Your company according law is violating my rights and breaking the law. I've communicated this information to you all twice now and in writing in the mail with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-09-06 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: NJ

Complaint narrative:
I asked to dispute XXXX Hard Inquiries but Equifax does an automatic check and does not investigate or give the option to provide any supporting arguments This was with XXXX and I called to explain that the agent did this inquiry in error, and she said it would drop if I didn't confirm the check XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/2023 This was with XXXX in XXXX, and I soent almost XXXX full days with their customer support THEN to make sure it was NOT A HARD Inquiry and they assured it ... so why is it appeareing now? 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX of inquiry XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
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 explanation
Consumer complaint received 2023-09-06 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: OH

Complaint narrative:
XXXX was my servicer. In XXXX, I was out of law school with no job. I was receiving calls about making payments that I could not afford. 

I told them that I had no job, no income, and I was living off very limited savings. Instead of screening me for income based repayment, which would have dropped my monthly payments to nothing, they put me on forebearance. 

This continued for a number of years, including when I finally got a job of $ XXXX. 

Because the forebearance forms needed to be submitted more frequently than income based payment verification forms, when I was moving, I missed one of the forebearance forms.

This resulted in me ending up in default. 

I was finally able to get out of default in XXXX, but my interest was capitalized, and my student loan balance became much, much larger than it was before. 

Had I been given income based repayment instead of forebearance, I would not have had my interest capitalized. 

I never would have defaulted. 

I would be XXXX more years into repayment than I am today. 

This is still dragging on me a decade later. Despite making payments under IBR, because my interest was capitalized, I'm making interest-only payments. I've never been able to touch the principal of my loan. If this continues, I will never pay off my loan during my entire life. 

Despite paying $ XXXX in interest, my loan balance ~ {$70000.00} larger than it was the day I graduated, because of the capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Credit dropped XXXX  points on XXXX XXXX, cant find out  Y, they keep saying thats a combination of different info but Cant get Actual proof. They keep me going around in Circles. The XXXX XXXX XXXX XXXX XXXX cant give a Straight answer either. I really Need Help ! ! !        Thanx

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXXXXXX 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 In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-09-06 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: GA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX XXXX Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!

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 2023-09-06 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: GA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach . Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
I have applied for the XXXX program several weeks ago. I tried logging in today to see if my payment plan is approved but the app is down, the desktop site is down, and I have been on hold for over an hour with no response with customer service. Their lack of response is going to cause me to miss my payment period. I have tried on two other occasions to check progress of the application but the site seems to think they never received my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
My account is locked with Affrim. I have called my times I have did 2 ID scans. I cant view my bills or make payments. Every time I log in I get a email saying someone is trying to get into my account when its me. I called them many times and spoke to a Supervisor not getting any help. I find it illegal to keep me from viewing my bills and not allowing me to shop. I cant even pay the bill off cause I am locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
orginally contacted XXXX XXXX XX/XX/XXXX. They requested more information I submitted that and never heard back. I then proceeded to contact them via Chat. The history of reaching out is below. 

- XX/XX/XXXX asked for help to remove the restriction. They responded asking for more info and I provided it. Then they never responded again. 
- Started a chat with XXXX prior to the XXXX ( It doesn't say what day exactly ). She did respond saying she was transferring me to the proper team and should receive a response in 1-2 business days. 
- followed up the XXXX. - no response - followed up the XXXX - no response - filled up XX/XX/XXXX - no response- Started a chat with XXXX on the XXXX- received a response on the XXXX with the exact same response as XXXX. I explained that I received the same response before and never heard back and if we could escalate. - no response - followed up the XXXX - no response - followed up the XXXX - no response- Started a chat with XXXX on the XXXX. responded on the XXXX, This time the response was the same as XXXX 's but stating it will take 3-5 business days. I responded letting them know it has been more than 2.5 weeks and no one has reached out. - no response I don't know what else to do at this point. When I call the support line they say to email and start a chat.

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 2023-09-06 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: TX

Complaint narrative:
I am requesting the removal of account XXXX XXXX XXXX  from my credit report. Please see the attached XXXX  release form as well as the cfpb response from XXXX stating that the account will be removed. Please note that all 3 bureaus are in violation of the FCRA because all data furnished is not accurate. All 3 bureaus report different agencies. I submitted a dispute time and time again about the inaccurate information on my credit report. This has caused me much stress and many lost opportunities due to your negligence and violation of the consumer protection laws. Remove the aforementioned account immediately 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 explanation
Consumer complaint received 2023-09-06 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: MD

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have been depositing this reoccurring checks from my employer for about 3 to 4 months now. I have a loan through this institution of about XXXX. I have been making on-time payments to my loan Ive been a member with the company for roughly 6 months to a year. After relay my current situation I was told by XXXX on XX/XX/XXXX at XXXX XXXX  that my funds would be accessible by XXXX XXXX  XX/XX/XXXX. By XXXX XXXX  XX/XX/XXXX my phones were still unavailable. ALL of them leaving me to contain to wallow in a residence that does not have any power. XXXX XXXX claims no search conversation happened. I need to file a report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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 request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for Transunion to honor the 15 USC 1681b no consent matter as they have not

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 2023-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I have requested a full calculation of the debt owned. Rent owe should be broken down and given within 30 days. It still have not been provided how it was calculated. Each time I ask for the actual calculation the company just reduce the amount and still not explain why or why cams to the amount due.

Company response to consumer: Closed with explanation