vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: VA

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active navment histor Ihis inaccurate intormation talsely maninulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account : 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 2024-10-10 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: SLM CORPORATION
State: WA

Complaint narrative:
On XX/XX/2024, I made a payment to the loaning company, Sallie Mae of XXXX. This was the balance displayed on my end after clicking, " make a payment '' option on the website. I noticed a text message from Sallie Mae and got curious enough to check the account. To my surprise, there was a new current balance of XXXX. I called customer support for information. I was told the interest was accrued due to making the payment of XXXX, and that if I wanted to avoid interest then I needed to pay the full amount. I explained to the customer support representative that the XXXX was the full amount displayed. I was then told to access the full payment amount I needed to click on the following prompts : " Make a payment > ( Do not proceed with one-time payment instead click on More> Click on Calculate Payment> Proceed to making payment with the actual balance. The actual balance in my example would have had XXXX days worth of interest at the fixed rate of XXXX % based on the amount of XXXX to my best understanding. My problem is that I expected the current balance to be the true actual balance and by paying it off I would be done and worry free. Instead I was charged interest on what I thought was a total balance payoff. Combine that with the hidden button options and that was a recipe for some frustration. Needless to say, there user interface needs some serious updating because it is currently designed poorly. One would almost say predatory in design with intent to trap the recipient of the loan to paying as much interest as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} 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 XXXXXXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX  XXXX {$700.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED 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, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened this account on XX/XX/XXXX and was told I do direct deposit I would not have charged a service fee ; recently I noticed that I have been charged a service fee of {$12.00} a month when I reach customer service they told me is because I do not have a direct deposit of {$250.00} going into my account every month ; I told the representative that I was never told to have this direct deposit amount on my account the rep says there is nothing he can do about the fees I'm being charged. I then asked the rep to have these charges reversed from my account as I am being charged unfairly because the bank never disclosed this information when I opened the accounts back in XXXX and XXXX. I am asking Bank of America to reverse all Maintenance Fee charges from my account going back the last XXXX  years immediately.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am trying to get a HELOC through my credit union. They are unable to get a credit report from Experian. I went to Experian 's site and could not find a freeze or any issues that would bar them from this access. Experian told me my information was incorrect, but they could correct it ( a typo on my name ), send my information to my credit union, and that they would also provide contact information to my credit union. 

Instead, that information was never sent to my credit union, my account had a dispute placed on it to fix the typo, and when my credit union tried to pull my credit report again now they were unable due to that dispute. 

According to Experian customer service, who never told me about that dispute in the first place, the dispute doesn't exist and that they couldn't help me resolve this with my credit union. 

Through this whole process I have talked to several customer support agents, have been transferred to several departments, and their phone system is deliberately obtuse and misdirecting, it will hang up XX/XX/year> before allowing me to speak with a XXXX. 

I can not repair my roof because Experian is stopping all progress.

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 2024-10-10 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: MD

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My financial aid that I have been waiting for four months for receive was deposited into my account. Less than 24 hours after, CapitolOne decided to put a hold on BOTH my checking AND savings accounts of which I already had money in. I called and they said they need to " verify the funds '', when it was an ACH/electronic deposit, not a check. They did this before but with a physical check deposited, which made no sense then, and makes even less sense now. Why would an electronic deposit need to be verified? Don't banks usually put holds on accounts for large withdrawals? CapitolOne bank is the only bank I know that puts holds on accounts for deposits. This practice should be ILLEGAL.

They said they have to call me school to " verify the funds '' that have already deposited into my account. Of course, it was XXXX pm so the school didn't answer. They refuse to remove the hold from my account. When I made payments totaling over {$5000.00}, last month, not once did CapitolOne call me to verify I was the one making such transactions. Only when you get money, will CapitolOne treat you like you're fraudulent and withhold your money from you as if they are GOD. CaptialOne, however, is the only one fraudulent here. I will be filing a police report to report fraud and I will be looking into suing them for emotional distress. NO ONE DESERVES TO BE TREATED LIKE THIS WITH THEIR MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, my Proper Credit card, which has was declined for a charge of {$60.00} even though I had available credit of over $ XXXX. What was surprising and also embarrassing, I had, on XX/XX/year>, made a payment of {$510.00} to my Prosper credit card, which when issued to me, had a {$1700.00} credit limit. Prosper never explained to me why the declination, and indeed, after I asked, I found out that after that attempted charge of {$60.00}, my card was placed on the restricted list, which has since been removed. Shortly after my discussions with Prosper, I received a letter from Prosper credit card that my credit limit was being reduced from {$1700.00} to {$1400.00}. The reasons given were Delinquencies and High Lines of Credit. What is puzzling is that I have no delinquencies and no credit lines.

What is noteworthy is that by reducing my credit limit from {$1700.00}. XXXX to {$1400.00}, Prosper CC has surreptitiously stolen {$300.00}. XXXX from me. My available credit is almost similar in amount to what I had before my payment in XXXX, and that needs explanation.

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 2024-10-10 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: IL

Complaint narrative:
I'm concerned about the unfamiliar inquiries on my credit report that I didn't applied to. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress 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 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NPG Associates, Inc.
State: AZ

Complaint narrative:
I received a phone call from NPG Associates about a debt they claim I owe from XX/XX/year>. They did not have any details and I have no idea what they're talking about. Their agent said they were going to sue me to recover the money. I told them to mail me whatever information they're talking about and they mentioned suing me again. If a debt is from XX/XX/year> it is time barred in the state anyway and they can not legally sue for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX, I was reviewing my XXXX XXXX and discovered I owed XXXX XXXXXXXX XXXX XXXX {$170.00}. I do not owe this agency any money at this time. Because of this debt, my XXXX XXXX is affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Applied for a TD business account, which TD sent an email I Was denied for the account. 
Td then went ahead and opened the account and gave me an account number and statement with my business. 
TD Then Froze my account. 
I want to close this account now, but TD is saying its glitched and they can not close it, this has been a nightmare. 
No one has reached out to help me at all at TD there support is beyond abysmal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NM

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX, XXXXXXXX XXXX XXXX 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 2024-10-10 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: PA

Complaint narrative:
after dispute and investigation of this account- XXXX XXXX XXXX XXXX XX/XX/XXXX it was deleted on XX/XX/XXXX. Without notification and evidence of the account it was reinserted onto my credit report. This is a direct violation of the FCRA ( XXXX XXXX XXXX XXXX ) which is affecting my ability to secure a mortgage and needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.

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 2024-10-10 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'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief