vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA ; Account Number XXXX Date of Last Update Amount XX/XX/2024 {$550.00} Charge Off XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX A charge off account from Bank of America is reporting on my credit report. According to IRS publication XXXX : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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

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 2024-03-05 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: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I have been paying my subsidized and unsubsidized student loans for 19 yrs. I have not missed a payment. I am currently unemployed. I applied for IDR and PSLF after visiting FSA and seeing that I qualified for both. To apply for the PSLF I was required to apply for consolidation to insure accredited payments are applied evenly. I think XX/XX/XXXX was the date I applied. I received letters in the mail stating I was placed in forbearance pending determination for both programs. For IDR, I selected the SAVE plan because it had the lowest monthly rate and taxable payoff amount. On my loan servicer page, XXXX XXXX it stated my IDR would be serviced there. On the FSA site, it stated my automatically approved applications for PSLF needed to be forwarded to XXXX. I FAX the applications and my financial information to XXXX. I was warned that interest would be added to the loan if it wasnt paid during forbearance, but I couldnt reach anyone. FSA referred me to my servicer. XXXX was transferring accounts to its new name XXXX and XXXX did not have me in their system. Meanwhile, no one is taking live calls. I finally get a letter from XXXX stating I had a new loan, which was not for the monthly amount FSA said I qualified for under XXXX. XXXX shows I am not qualified for IDR or PSLF, but FSA still has my applications pending review. I finally get XXXX on the phone, I learn that they received my IDR and PSLF which are pending review, BUT my 19 yrs of payments, XXXX of them are gone! They reset my loan, added another XXXX to my payoff and set a payoff date in XXXX! My original payoff date was XXXX! My initial loan was just XXXX at graduation, ballooned to XXXX during my 3 month grace period and had an estimated final payoff of over XXXX, which as you can see I was close to paying off. Nowhere in this process did I read anything that stated that I would lose credit for all the years I have been paying by applying for these programs. The association for XXXX who was new, but very helpful stated that the XXXX payments they assigned me would be adjusted, but unless I qualified for immediate forgiveness, doing this hurt me rather than helped. I remember reading on the FSA site that these programs are designed to help individuals pay off their loans sooner. This is restarting my loan over. I also remember reading that I would have an opportunity to decided if I wanted to utilize the program or stay with the payments I was making. Im furious and disappointed. I needed help, so I applied hoping for a better solution.giving me more debt and dragging out my payments is not what was expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NJ

Complaint narrative:
lexisnexis does not have contract with me to be reporting any information in they database about me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN XXXX DOB XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. XXXX  XXXX XXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. This account has been removed by XXXX and I attached proof. 
Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. Account is more than 7 years old. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2024-03-05 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding- {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from XXXX, XXXX, or the collections agency. This account needs to be removed based on my rights via the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a dispute to remove information from all 3 credit reports and it was.t done.

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 2024-03-05 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 request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: USCB, Inc.
State: OH

Complaint narrative:
USCB is a debt collector for XXXX XXXX XXXX. They have a negative impact on my credit report. I disputed it with XXXX but it was denied. I paid the balance a long time ago directly to the hospital and I attached proof of my electronic check payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Consumers Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my Equifax credit report regarding an open account with XXXX XXXXXXXX XXXX The account in question is marked as late and has caused me distress due to harassment and threats from XXXX XXXX. 

I request clarification on the type of account and accurate reporting of its status, as it is neither in collections nor charged off but has been marked as late since XXXX  The lack of clarity and completeness in reporting this account has the potential to negatively impact my creditworthiness. 

I am requesting a thorough investigation into this matter and urge Equifax to update the information on my credit report to accurately reflect the status and type of account in question. I also request that Equifax provide me with a copy of my updated credit report once the investigation is complete. 

I also believe that XXXX XXXX has violated the Fair Debt Collection Practices Act FDCPA by engaging in harassing behavior, including non-stop calls and threatening messages. Additionally, the reporting of this account as late on my credit report has further exacerbated the situation. 

I request that Equifax conduct a thorough investigation into this matter and take appropriate action to rectify the inaccurate reporting of this account. Specifically, I ask that Equifax ensure compliance with the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) Section 611 : Requires credit reporting agencies to investigate disputed information and correct inaccuracies.

Section 623 : Requires furnishers of information, such as XXXX XXXX, to provide accurate and complete information to credit reporting agencies. 

2. Fair Debt Collection Practices Act ( FDCPA ) Prohibits debt collectors from engaging in harassing or abusive behavior, including threats of adverse credit reporting. 

I request that Equifax conduct a thorough investigation into the reporting of this account and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I request XXXX XXXX to cease all communication with me via phone calls, text messages, and emails or postal, as their behavior violates my rights under the FDCPA and TCPA.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-05 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
paid a balance off on a credit loan on XX/XX/2024 and thinking it would automatically go away. It still shows on my report and yet when i dispute it on equifax 's website they came back saying its verified XX/XX/XXXX when it clearly shows they didnt really do anything. This is clear FCRA violation in accordance with the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( A ) of Title 15, United States Code, and the Metro 2 Credit Reporting Guidelines. Please remove this account because they continue to report it inaccurately. I have the payoff form from XXXX XXXX that i did pay so please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: OneMain Finance Corporation
State: NC

Complaint narrative:
There are two hard inquires that I do not recognize on my credit report. 

ONE MAIN FINANCIAL - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/year> at approximately XXXX I went to make a deposit to the atm of us bank at XXXX XXXX XXXX XXXX Ky XXXX. I logged into my account and proceeded to put my large bills in first since the machine states it only accepts 50 bills. The machine totaled my bills to {$1500.00} the. Asked if I had more bills up to 20. I placed the remainder of my bills in the atm. It cont to process until it timed out and the machine reset to the home page. No recipt was given and I immediately checked my account and the funds were not deposited. I immediately got on the phone and called the customer service line the lady told me I would have to wait 24 hrs to see if the deposit adjusted at midnight when the machine was serviced. I waited until XXXX XXXX  when the branch opened and filed a complaint with the branch manager XXXX XXXX who told me they dont count the machine until wed or thur bases on staffing she did file a complaint and gave me a copy with her info and told me to follow up with the customer service number in the morning to cont with complaint if the funds didnt show after midnight. 
On XX/XX/year> I called and was told that I would have to wait 10-45 days for them to complete an investigation into the claim. 
I believe that they are committing a fraud against me to be holding my funds and not attempting to complete an audit of the machine in a timely manner to resolve the issue. I used a service that they offer and am being punished for their incompetence. I need my money to pay my bills and they are not taking my claim seriously.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my extreme dissatisfaction with the lack of response from your company regarding the disputes I have submitted for inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX detailing the errors and violations of my consumer rights, I have received no resolution or acknowledgment from your end. 

It has now been well over 30 days since I submitted my disputes, and your company has blatantly failed to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Specifically, you are in violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as disputed, as well as FCRA 605 ( c ) by running the reporting period despite inaccurate information being present on the account. 

Furthermore, your failure to validate the collection account in question constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

Attached to this letter are copies of all the dispute letters I have sent previously, clearly outlining the inaccuracies and violations present on my credit report. 

I demand that immediate action be taken to rectify these issues and ensure that my consumer rights are upheld. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal counsel and filing formal complaints with the appropriate regulatory bodies. 

I expect a prompt response and resolution to this matter within [ insert timeframe ]. Your cooperation in this regard is greatly appreciated.

Company response to consumer: Closed with non-monetary relief