vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: TX

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 XXXXXXXX 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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/year> I received an emailed invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the telephone number is XXXX and the email attached to the invoice is XXXX The charge is in the amount of {$50.00} Charged to XXXX  ending in XXXX XX/XX/year>, XXXXXXXX XXXX  that is not my card but they are using my name. The invoice number is XXXX XXXXXXXX the phone number used by the criminal is 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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
This company is currently reporting a debt to the credit reporting agencies that is negatively impacting my credit worthiness. The company provided no notification prior to reporting this debt and did not provide an opportunity to dispute. This company has no license to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I'm in the process of purchasing a home and I realize that I had damages on my report and according to 15 U.S.C 1681this is defamation of character

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 2024-02-02 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I'm in the process of purchasing a home and I realize that I had damages on my report and according to 15 U.S.C 1681this is defamation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-02-02 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act thus creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
When I was XXXXXXXX XXXX XXXX  months, somebody use my Zales credit card card spending {$3000.00} I didnt authorize no transactions, and I want it fixed and file it as a fraud and all this company did was blame me when you can clearly see on my credit I make all my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I applied for the SAVE plan on XX/XX/XXXX and never heard anything. 
On XX/XX/XXXX I got a message about a processing delay saying no action was needed by me ( unless a payment was due ). 
On XX/XX/XXXX I got an email saying my account was put into administrative forbearance. 
Then in XXXX, XXXX, and XXXX payments were auto-withdrawn from my account for my IDR amount. 
There has been no movement on my SAVE application and they took my account out of administrative forbearance. I was never notified of the status.

I called today and was told my application was stalled because they were unsure if my loans qualified for SAVE ( they do ). They escalated the application and put my account back in administrative forbearance. However said that this forbearance will not count towards my forgiveness. It is my understanding that it should count as this is an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I sent this to XXXX XXXXXXXX, amex, and XXXX XXXX. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I sent this to XXXX XXXXXXXX, XXXX, and Goldman Sachs. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I got far behind on my payments due to serious XXXX  problems that caused me to miss XXXX months of work. I requested a loan modification or refinancing. I was denied both. My home is now in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I signed up for a Kay Jewelers credit card and was granted a promotional plan of 15 or 18 months of interested free. It was my understanding that after the promotional period was over, the APR or interest will begin to accumulate from the current balance but that was not the case. 

After the promotional period ended, I had a balance of {$110.00} left to pay. When i received my new statement, I was charged an interest amount of {$1900.00} meaning they charged interest for the whole promotional period which was not disclosed to me. I think this is a predatory practice, I do not mind getting charged interest for the current balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
Experian in conjunction with XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX have attacked my credit files again. My address is an XXXX  XXXX XXXX they changed my report to suit their refusal to acknowledge usage. Experian Consumer Services does NOT exist legally in the California Secretary of state XXXX. Multiple terminated corporation shells are present. They claim this name publicly Experian Consumer Services. I have OIG FDIC in other cases and here. Pursue the issue of my address reclassification and my vandalized scores fixed.

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 2024-02-02 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: TX

Complaint narrative:
I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$24000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$3100.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Collection {$8400.00} XXXXXXXX XXXX  | XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX | XX/XX/2022

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 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
I have continuously reached out to EdFinancial regarding the incorrect payment amounts on their user portal since XXXX. In XXXX, I made payments of : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$23000.00} to specific loans using their user interface for payment dispersal. Instead, they have classified the information as XXXX payments : XX/XX/XXXX : {$19000.00} XX/XX/XXXX : {$830.00} with a refund submitted for the latter amount. This refund has been in limbo since XX/XX/XXXX. 

I have also recently submitted another payment to direct loan XXXX on XX/XX/XXXX for an amount of : {$3500.00}. This payment has not shown up on the account and the loan has continued to accrue interest. EdFinancial has told me there is a one week waiting period to receive information regarding the log for this transaction. After this one week period was stated on XX/XX/XXXX, I was told that I should for sure receive this information by XX/XX/XXXX. 

After calling EdFinancial on the following dates, nothing has been corrected : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name XXXX XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, TX XXXX. I have no association or knowledge of address or where address came from. 
The information is not mine and is not related to me. 

Address reflects on credit as XXXX XXXX XXXX XXXX, XXXX, TX 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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of america and XXXX  wont letme open a bank account

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 2024-02-02 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: TX

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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX5 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