vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested a XXXX extension of my car note due to financial hardship. BOFA stated that they would only provide a XXXX extension. I asked what criteria or information was used to determine how many months or if any months would be approved. The agent stated that the information that they used to make determinations was proprietary. When I stated that if it was proprietary information, that meant that they could discriminate and make decisions based on race or gender. I stated that BOFA should be able to state exactly what information was used to approve an extension or deny an extension otherwise they could discriminate as to what race or gender would be provided an extension or how much. The agent stated that they entered information into the system and the system provided the results. I asked if race or gender was part of the information that was submitted and the agent stated that was proprietary information also. I stated to the agent that any and all information that is used to make the determination or used for an approval of an extension should be public and not private, otherwise the information that is used could be used for discrimination. BOFA should publish and make available any and all information used to determine approval of extensions. I also think an investigation should be conducted to determine how the extensions are made and how many extensions are made to certain races, groups or genders.

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 2024-11-26 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: OH

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information reported on my credit history. The account in question is associated with XXXX  XXXX XXXX ( partial account number : XXXX ). The reporting of this account contains multiple errors that violate my rights under the FCRA, and I demand its immediate removal from my credit report.

Specific Issues with the Account 1. Incomplete Payment History Reporting : The payment history for this account is entirely blank. This incomplete r
eporting fails to meet the standards of accuracy and completeness required under Section 607 ( b ) of the FCRA.

2. Inaccurate Information : The account is marked as " Derogatory '' by TransUnion, while other credit bureaus list different statuses. This discrepancy indicates a lack of proper verification and accuracy in reporting. 

XXXX. Date Inconsistencies : The date of the last activity reported by TransUnion does not match records maintained by other bureaus, which violates the obligation to maintain accurate and consistent records.

Violations of the Fair Credit Reporting Act 1. Section 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information included in consumer credit reports.

2. Section 623 ( a ) : Obliges information providers, such as XXXX XXXX XXXX, to ensure the accuracy of the data they report to credit bureaus. 

3. Section 611 ( a ) : Mandates credit reporting agencies to conduct a reasonable investigation upon receiving a consumer dispute. The fact that these inconsistencies persist despite previous disputes demonstrates that TransUnion has failed to comply with this requirement.

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 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information reported on my credit history. The account in question is associated with XXXX  XXXX XXXX ( partial account number : XXXX ). The reporting of this account contains multiple errors that violate my rights under the FCRA, and I demand its immediate removal from my credit report.

Specific Issues with the Account 1. Incomplete Payment History Reporting : The payment history for this account is entirely blank. This incomplete reporting fails to meet the standards of accuracy and completeness required under Section 607 ( b ) of the FCRA.

2. Inaccurate Information : The account is marked as " Derogatory '' by TransUnion, while other credit bureaus list different statuses. This discrepancy indicates a lack of proper verification and accuracy in reporting.

3. Date Inconsistencies : The date of the last activity reported by TransUnion does not match records maintained by other bureaus, which violates the obligation to maintain accurate and consistent records.

Violations of the Fair Credit Reporting Act 1. Section 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information included in consumer credit reports.

2. Section 623 ( a ) : Obliges information providers, such as XXXX  XXXX XXXX, to ensure the accuracy of the data they report to credit bureaus.

3. Section 611 ( a ) : Mandates credit reporting agencies to conduct a reasonable investigation upon receiving a consumer dispute. The fact that these inconsistencies persist despite previous disputes demonstrates that TransUnion has failed to comply with this requirement.

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 2024-11-26 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: Nelnet, Inc.
State: VA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Synovus Bank
State: AL

Complaint narrative:
On Saturday, XXXX XXXX I received a call from my phone carrier stating they were sorry to see me go. I informed them that I was not going anywhere. They stated they would stop the transfer. That same afternoon I was not able to make calls or text or receive either. That same evening, I began getting emails that my XXXX XXXX card was being used for purchases I was not making. I then went onto my online banking and noticed a XXXX transaction was trying to be taking from my checking account. I then called the customer service rep., and they stated until the transaction was clear ( not in pending status ) I could not file a dispute. I filed a police report on Sunday XX/XX/XXXX as Monday was a holiday. That evening a factory reset was performed on my phone, and I lost everything I had. I was not able to get into any account I had because passwords were being changed. I contacted all three credit bureaus and froze my ss number. I waited until Tuesday ( Monday was a holiday ) and went to my bank branch Synovus on XXXX XXXX in XXXX XXXX, Al. We then froze that account and opened a new more secure account. The XXXX in question was still in pending status, so nothing could be done with a dispute. It did not clear my account until Thursday XX/XX/XXXX. I called customer service and filed a formal dispute, as my personal banker was out of the office that day. I then waited the XXXX days before I had our banker send customer service dispute department an update that a police report had been filed and that I was in the process of hiring an attorney to proceed with finding what had happened. Identity theft had accrued, and I was devastated. I then received a letter from Synovus saying the dispute was denied and I called, and they stated to take a copy of police report to the branch, and they can scan it in. I did this on XX/XX/XXXX. The branch Manager made the copy and sent it to my banker who was to forward it to the dispute department. On Monday I spoke with a customer rep. with the fraud department and she stated she could see where they were actively working on the dispute, and they had a copy of the police report. Only to have them tell me today that they still denied the dispute and do not have a copy of Police report. I just don't know where else to turn. I did not authorize this transaction in question, nor have I ever used the XXXX app. I've banked with the company for many years. Now I have second thoughts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
For my Lowes account me and my wife bought a fence for the house. When it was discussed with the credit company they said we can do a span of 60 months which is 5 years so the payments should be around XXXX at max. They messed up minimum payment was XXXX. They said we asked for security which is an extra XXXX which we didnt so they took that off. But my payment due was still high because of everything that accumulated. I asked them to fix it now they act like they dont know anything. Im not supposed to be paying XXXX. So I didnt pay anything because it should be fixed. Now im coming up with a payment plan this is ridiculous.

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 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-26 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-26 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: LEXISNEXIS
State: AK

Complaint narrative:
I am a victim of identity theft, and LexisNexis has repeatedly ignored my legitimate concerns despite my ongoing efforts to resolve them. Your refusal to address these issues is not only negligent but also a blatant violation of my rights under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I have the right to request and receive a copy of my consumer file from you, including my CLUE report. Your repeated failure to provide this information, instead sending me a code to a non-functional website, constitutes a clear violation of this statute. 

Additionally, your provision of inaccurate records to insurance companies is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in the information they report. By failing to investigate my disputes properly, you are also violating 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information. 

Your actions have caused significant harm, including preventing me from obtaining auto insurance and leaving me with unresolved inaccuracies on my record. If LexisNexis does not immediately provide me with a full copy of all reports in your possession and fails to conduct a proper investigation into my disputes, I will take legal action against you. 

This will include filing a lawsuit for your violations of the FCRA and any additional applicable laws. You are on notice. Resolve this matter immediately, or I will move forward with legal proceedings to hold LexisNexis fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I have been repeatedly contacting your office regarding accounts on my credit report that are in pending litigation and are inaccurately reported. I am extremely frustrated with the lack of response and demand immediate action.

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 2024-11-26 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: AZ

Complaint narrative:
I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX  days ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-26 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: OH

Complaint narrative:
I have sent multiple disputes to XXXX, XXXX, and Transunion. I have asked for methods of validation and none have been provided. I would like assistance in making sure the credit bureaus complete an appropriate investigation.

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 2024-11-26 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: OH

Complaint narrative:
I have sent multiple disputes to XXXX, Experian, and XXXX. I have asked for methods of validation and none have been provided. I would like assistance in making sure the credit bureaus complete an appropriate investigation.

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 2024-11-26 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: CA

Complaint narrative:
I have been repeatedly contacting your office regarding accounts on my credit report that are in pending litigation and are inaccurately reported. I am extremely frustrated with the lack of response and demand immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-26 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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