vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I submitted a dispute to Bank of America on XX/XX/XXXX, regarding inaccuracies in the reporting of my account, but I did not receive a response until XX/XX/XXXX, when they informed me that they were investigating. This delay is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that disputes be investigated and results provided within 30 days. The prolonged delay and failure to respond in a timely manner highlight their noncompliance with federal law. I am attaching the document dated XX/XX/XXXX, as evidence of their delayed response. The account in question remains inaccurately reported, with errors in the balance and other critical details. This unresolved matter is affecting my credit report, and I have yet to receive the full documentation I initially requested to verify the accounts accuracy.

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 2024-11-21 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-21 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: RI

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 non-monetary relief
Consumer complaint received 2024-11-21 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I called this company AFFIRM so many times They continue to email me that Im responsible for this debt totaling over XXXX I have filed police report but theres no way to get it to them They reported XXXX accounts to my XXXX I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Castle and Cookie Mortgage LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to formally lodge a complaint regarding the improper handling of my mortgage loan servicing by Castle & Cooke Mortgage, which has caused significant financial and emotional distress. Prior to XX/XX/year>, I maintained a flawless payment history with no late payments. However, since the servicing of my loan was transferred, I have been reported as having five late payments, all of which I strongly dispute.

Here are the key issues I have encountered : Improper Notification of Loan Servicing Transfer : I was not informed about the transfer of my loan servicing through electronic communication, phone calls, or other timely notifications. I only learned of the transfer when I received a collection call regarding a late payment. At the time, I was out of the country for my wedding in my wifes home country, which compounded the challenges of addressing this issue promptly. 

Mishandling of Payments : I requested automatic payment drafts to ensure timely payments, yet Castle & Cooke has repeatedly mishandled my requests, leading to unwarranted late payments. 

Failure to Address Disputes and Resolve Errors : Over several months, I have diligently attempted to resolve these issues by speaking with customer service representatives who seemed sympathetic and assured me that the late payments and fees would be reversed. However, the written decisions have consistently reaffirmed their stance without adequately addressing my concerns. 

Given these issues, I am requesting the following resolutions : Removal of all late payment entries from my credit report to restore my credit standing. 
Reimbursement of all late fees and penalties assessed due to these mishandlings. 
Transfer of my loan servicing to a different servicer to prevent further issues. 
The repeated errors, lack of communication, and failure to provide timely resolutions have caused significant harm to my financial and personal well-being. I believe that Castle & Cooke Mortgage has violated federal regulations and failed to meet the standards of care required of a loan servicer. 

I respectfully request the CFPBs assistance in ensuring that these issues are resolved promptly and fairly. Please do not hesitate to contact me if you require additional documentation or information regarding my complaint. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
On XX/XX/XXXX, I mailed my typed dispute letters to TransUnion LLC at XXXX XXXX XXXX, XXXX, XXXX Each dispute letter was individually typed, clearly formatted, and addressed to specific accounts. I included the necessary identification documents to verify my name, address, and identity. To ensure secure and proper delivery, I placed the individual envelopes into a larger envelope before mailing the complete dispute package. 

The package was delivered on XX/XX/XXXX, as confirmed by delivery tracking. Despite this, I received a notice from TransUnion stating that my request was illegible and would not be processed. This claim is inaccurate, as all letters were professionally typed and clearly legible, with one account addressed per letter. I find this response incorrect and unjust, and I request immediate attention to process my disputes as originally submitted. 

To add to the confusion, when I called TransUnion on XX/XX/XXXX, the phone representative confirmed that my letters were received and are currently under dispute. This contradictory information leads me to believe that the credit bureau may not be adequately addressing the issues I raised or properly resolving the disputes. I request clarification and a resolution without further delay.

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 2024-11-21 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: NJ

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 2 out of 3 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened a new store specific credit card with Big Lots, serviced by Comenity Bank in XXXX of XXXX and my first payment was due XX/XX/XXXX. I tried to use the Comenity/Big Lots website/webpage to access my account and was unable to register or access my account. I called the customer service number on my card and the department was closed ( it was after XXXX XXXX XXXX ). I called when customer service was open on XX/XX/XXXX to explain that I was unable to access the site online and requested assistance with the website and my log in ; I made a telephone payment with the customer service agent and then waited on hold to be transferred to a department who could apparently help with the online access. I sat on hold until the line disconnected. In addition, I asked this agent what time of day my payment needed to be made on my due date as often there are cut off times ; I was advised that I can make my payment anytime before the due date ends ( I assume is XXXX XXXX  ), I asked her a second time to confirm, and she confirmed no specific cut off time for payments. 
My 2nd payment was due in XXXX and I ran into the exact same issue of an an inability to access the account via the Comenity/Big Lots website on the day my payment was due which is absolutely frustrating. I then called the customer service number again and asked for help accessing my account ; I was asked by the XXXX agent how I was accessing the site and I advised I was using my XXXX  XXXX with both a safari browser and brave browser. She stated that the site does not work with XXXX products well nor the Brave browser. I advised this was my only point of access ( no computer ) and she said she could not advise how else to fix the issue. I also made a payment with this CS rep for XXXX and asked for a refund of late fees based on these access issues and was advised they could only refund {$15.00}, which they did. 
Now comes my XXXX payment, which I again attempted to use the NEW Big Lots app that I was able to download form the XXXX XXXX. The Big Lots/Comenity card now was accessible via this application. I again tried to register, tried to access my password for an account already created and nothing would work, the app would not send me any verification emails or PW reset emails. 
It appears that Comenity intentionally makes the ability to access payment mechanisms for the credit cards they service difficult and nearly impossible in order to drive profit from late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 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: MO

Complaint narrative:
Greetings. I am disputing a charge-off that is listed on my credit report. The account in question is with XXXX XXXX XXXX for a retail installment contract. Page 3 section 2 ( c ) acknowledges that the security interest that I gave to XXXX, secures all that I owed on the contract as well as other agreements in the contract. Instead of abiding by signed contract, XXXX repossessed the vehicle for non-payment and reported this information to credit bureaus. Additionally, XXXX and Transunion have refused to reflect that the account has been properly paid in full. Both have listed the account on the report as delinquent/collections, which is not correct. I have also contacted XXXX via phone and written correspondence, to limit the sharing of my personal information, including information about my credit worthiness, which is my right as a federally protected consumer. The representative at XXXX verified that my information would not be shared and yet the account still shows on my Transunion and XXXX reports. This same information was reported to the credit bureaus in oral and written correspondence and no changes have been made. I have taken all the necessary steps to clear up this issue and still experience undue hardships from the failures of the referenced companies. I have followed the procedures outlined in 12 CFR Part 1016 to insure that I am in compliance and well within my rights, however the companies ignore these regulations. 
Furthermore, XXXX 's Privacy notice clearly states that there will be sharing of information of my transactions, experiences, and information about my credit worthiness, but only with affiliates. The notice then defines affiliates as companies related by common ownership or control. They can be financial and nonfinancial companies. This privacy notice lists the companies deemed as affiliates and Transunion and XXXX are NOT affiliates of this credit union, by their own definition. I have included a copy of the retail sales contract verifying the full payment of the vehicle I purchased as well as the privacy notice provided by XXXX that confirms that I am not only well within my federal rights to limit the sharing of my personal information, including info about my credit worthiness, but also to highlight that even when I followed the directions that they have provided, I have still been denied my requests.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Greetings. I am disputing a charge-off that is listed on my credit report. The account in question is with XXXX XXXX XXXX for a retail installment contract. Page 3 section 2 ( c ) acknowledges that the security interest that I gave to XXXX, secures all that I owed on the contract as well as other agreements in the contract. Instead of abiding by signed contract, XXXX repossessed the vehicle for non-payment and reported this information to credit bureaus. Additionally, Experian and XXXX have refused to reflect that the account has been properly paid in full. Both have listed the account on the report as delinquent/collections, which is not correct. I have also contacted XXXX via phone and written correspondence, to limit the sharing of my personal information, including information about my credit worthiness, which is my right as a federally protected consumer. The representative at XXXX verified that my information would not be shared and yet the account still shows on my XXXX and Experian reports. This same information was reported to the credit bureaus in oral and written correspondence and no changes have been made. I have taken all the necessary steps to clear up this issue and still experience undue hardships from the failures of the referenced companies. I have followed the procedures outlined in 12 CFR Part 1016 to insure that I am in compliance and well within my rights, however the companies ignore these regulations. 
Furthermore, XXXX 's Privacy notice clearly states that there will be sharing of information of my transactions, experiences, and information about my credit worthiness, but only with affiliates. The notice then defines affiliates as companies related by common ownership or control. They can be financial and nonfinancial companies. This privacy notice lists the companies deemed as affiliates and XXXX and Experian are NOT affiliates of this credit union, by their own definition. I have included a copy of the retail sales contract verifying the full payment of the vehicle I purchased as well as the privacy notice provided by XXXX that confirms that I am not only well within my federal rights to limit the sharing of my personal information, including info about my credit worthiness, but also to highlight that even when I followed the directions that they have provided, I have still been denied my requests.

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 2024-11-21 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: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief