vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
Being charged interest when its at 0 percent XX/XX/year> Principal - {$50.00} Interest - {$100.00} Payment - {$150.00} XX/XX/year> Principal - {$340.00} Interest - {$55.00} Payment - {$400.00} Hide more information XX/XX/year> Principal {$0.00} Interest {$0.00} Capitalized Interest {$0.00} Hide more information XX/XX/year> Principal - {$140.00} Interest - {$22.00} Payment - {$160.00} Hide more information XX/XX/year> Principal - {$170.00} Interest - {$6.00} Payment - {$180.00} Hide more information XX/XX/year> Principal - {$980.00} Interest - {$17.00} Payment - {$1000.00} Hide more information XX/XX/year> Principal - {$300.00} Interest - {$130.00} Payment - {$440.00} Hide more information XX/XX/year> Principal - {$33.00} Interest - {$6.00} Payment - {$40.00} Hide more information XX/XX/year> Principal - {$39.00} Interest - {$60.00} Payment - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NM

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-13 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX  Account Number : XXXX Date of Last Activity : Equifax XXXX XX/XX/year>, which differs from the dates reported by XXXX XXXX XX/XX/year> ) and XXXX ( XX/XX/year> ). These discrepancies could indicate a lack of synchronization in the data among the agencies. 
Last Payment Date : Equifax reports XX/XX/year> as the last payment date, while the other agencies mention XX/XX/year>. If all payments were made at the same time, this difference might be inaccurate. 
Creditor Type : Equifax categorizes the account as " Auto Financing '', while XXXX uses " Savings and Loan Companies '' and XXXX lists " Personal Loan Companies ''. This could be an error if the account type is the same across all agencies. 
Payment Frequency : Equifax does not include information about payment frequency, unlike XXXX, which mentions monthly payments. This could be considered incomplete information. 
Closed Date : Equifax does not report a closed date, unlike XXXX ( XX/XX/year> ). This omission might create confusion about the account 's status. 



Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Date of Last Activity : Equifax lists XX/XX/year>, which differs from the dates reported by XXXX XXXX XX/XX/year> ) and XXXX ( XX/XX/year> ). These discrepancies could indicate a lack of synchronization in the data among the agencies. 
Last Payment Date : Equifax reports XX/XX/year> as the last payment date, while the other agencies mention XX/XX/year>. If all payments were made at the same time, this difference might be inaccurate. 
Creditor Type : Equifax categorizes the account as " Auto Financing '', while XXXX uses " Savings and Loan Companies '' and XXXX lists " Personal Loan Companies ''. This could be an error if the account type is the same across all agencies. 
Payment Frequency : Equifax does not include information about payment frequency, unlike XXXX, which mentions monthly payments. This could be considered incomplete information. 
Closed Date : Equifax does not report a closed date, unlike XXXX ( XX/XX/year> ). This omission might create confusion about the account 's status.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have about {$13000.00} in charges from XXXX XXXX XXXX XXXX from XXXX. On XX/XX/XXXX, I noticed something off and huge charges coming in while at home and immediately called and cancelled the card and disputed the charges. On this day they charged XXXX, XXXX and tried a XXXX XXXX but it got denied. I looked back at my history and saw sneaky charges from them and disputed all of them. Someone was trying to cash out through fraud. Noticed this XXXX XXXX XXXX XXXX was sneaking in charges since XXXX. The merchant replied with receipts that do not have my name or anything on it. I do not recognize any of the names or anything related to this " business ''. In fact the receipts shown show " camera deposits '' or other things not related to anything medical related at all. In fact, they are posing as a XXXX dialysis center under an apartment complex address ( it is residential apartment when I googled it ). When you google XXXX XXXX XXXX XXXX their address is different and it is a medical center that would have your records. I called the real center Chase Bank issued the charges back to me after merchant lied that they were related to me and my dispute process has been frustrating. I have no idea who the person is, the business or immediately took steps to resolve it when it happened. These are fraudulent charges. Someone is posing as a medical center under an apartment complex and cashing out on my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX XXXX BALANCED {$0.00}

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I spoke with a Transunion agent named XXXX. I was told that my account accessibility had been removed or taken away from me because a few years ago I was the victim of Identity Theft. This is causing me a great deal of issues when I am either trying to place or remove a credit freeze or when I try to apply for a new credit card. Currently, according to the Transunion agent XXXX, the credit freeze was removed from my account however when I attempted to apply for XXXX different credit card issuers it was rejected due to the face of my credit still being frozen or unable to obtain my credit report from Transunion.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a customer of Bank of America for XXXX years without any overdraft nor returned checks, I went to teller window to deposit XXXX checks and asked the teller to let me know if there is any hold on check please cancel the deposit so I can go ahead and cash the checks and deposit cash and teller said no and even on the receipt didn't mention anything about hold or notice, by the end of the day and when I couldn't go back to cancel my deposit i received an email that they are holding my deposit for XXXX business days. when I called they said system decided, I called the branch to get the deposit canceled and they said the XXXX is on the call and even after i provided my phone number and call was disconnected nobody called me, it is illegal to not to notify customers about the hold by the time of deposit and after business hours to disable any action and no one bothered to fix this problem.

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 monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-13 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-13 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: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Hello, On XXXX XX/XX/year> I received a text from SOFI Just checking, did you spend {$490.00} at XXXX XXXX XXXX XXXX CO XXXX Reply YES or NO. 

I replied NO SOFI then froze my account and asked me to contact them. After speaking with them the stated I have to call them back in XXXX hours for the charge to post to my account. I waited the XXXX hours then contacted them again to open a claim. I received an email on XX/XX/year> stating my claim was denied. I couldnt understand why since I didnt make the charge I called them back and they were adamant there isnt anything they can do. They stated on XXXX {$490.00} will be with drawn from my account. I proceeded to ask question and ask to speak with a manager and XXXX wasnt available. The I had someone on the whole stating they can help me. When I told them if I keep getting the run around I will contact the CFPB. As soon an I said that the gentlemen XXXX XXXX XXXX said the email I received that the investigation was closed was sent in error. Now I know Im lied to I said since its still open please send me a email stating what it is open. He proceeded to send me a message in the SOFI app Not an email. As of today XX/XX/year> the {$490.00} was withdrawn from my account I contacted them explained to that he situation informed them there employee lied to me and sent me a letter. Asked to be transferred to a manager then was disconnected after she asked like she was helping me. I called back and then got a different manager that stated there is nothing they can do. I will attach the text messages and email. Please be informed that all the calls were recorded by SOFI as they stated all calls are recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-13 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This accounts are hurting my ability to obtain credit. Its my understanding that the credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate. 

XXXX XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXX ) XXXX XXXX XXXX XXXX  ( Account number XXXX ) XXXX XXXX XXXX ( Account number XXXX ) XXXX XXXX XXXX  ( Account number - ) XXXX XXXX ( Account number 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