vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive sent out my letters they asked me to send in and I have done that XX/XX/XXXX of this year. The old information keeps coming back to my report even tho is was identity theft

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 2024-05-29 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: NJ

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the Credit Bureaus. I submitted a complaint to the Credit Bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA the Credit Bureaus, they are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the Credit Bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the Credit Bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations.

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 2024-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the Credit Bureaus. I submitted a complaint to the Credit Bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA the Credit Bureaus, they are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the Credit Bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the Credit Bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Last friday ( XX/XX/XXXX ) at around XXXX XXXX. cst I arrived at an ATM for Bank of America to make a withdrawal. There was a withdrawal request of {$820.00} made. The ATM dispensed the funds and gave very little time for me to grab the funds as I was occupied checking my mobile account information on my phone. Because the time limit was reached the ATM took back the funds before I could take it from the slot. When looking to re-try making a withdrawal the ATM machine displayed " The Daily withdrawal limit has been reached '' and upon checking the mobile app the balance was short of the attempted withdrawal amount. The cash was never received on my end from the ATM yet the application deducted the amount out from balance. Was told that the funds will be placed back into account by wednesday ( XX/XX/XXXX ) and that has not happened... looked to escalate the issue and the escalation request was denied.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Check for {$89.00} was deposited on XX/XX/XXXX, check for {$290.00} was deposited XX/XX/XXXX. Check issuer submitted check fraud/scam complaint on XX/XX/XXXX, Bank of America did not reach out through email or physical mail or Bank of America app inbox, to collect evidence about complaint. Bank of America withdrew funds from my account on XX/XX/XXXX which was the only reason I knew there was a complaint. When calling Bank of America they provided me with cost information saying I could still submit evidence, this was false. Check issuer is a XXXX XXXX customer which is why they took their side. Check was deposited and cleared for several weeks. This should not have happened without gathering evidence from both sides

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 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally bank has froze and prevented me to have online access to my accounts saying I reported someone trying to access my accounts which I did not, I ask for a fraud investigator to call me back and nobody calls me back and my accounts are still locked

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 2024-05-29 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 do not recognize the negative accounts appearing on my credit, please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit, please remove them

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX XXXX 2024 my account was compromised after I shopped at a XXXX XXXX I'm pretty sure my information was skimmed. I provided all this information to chime/XXXX they prompltey denied my first claim under 24 hours of filing it. Then waited for my second claim to dent right before a mandatory credit was supposed to be added back to my account I went thru numerous times with there support to remedy this they sent. A blank copy of why they denied the claim. They treated me awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: UT

Complaint narrative:
1 ) On or around XX/XX/year> I mailed a written request for account closure ( to Lead Bank, c/o Self Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX relative to my Self XXXX  Card account XXXX XXXX. ( copy of the letter is attached ). This card charges an annual fee and I want the account to be closed prior to the application of the fee for another year of service. 

2 ) As of XX/XX/XXXX, over 5 months later, I have received no response, and according to my online banking, the card account is still open. 

3 ) When searching for information in my online account regarding how to close the card account, the only information provided is a phone number. Requiring a phone call to close an account violates the Americans XXXX XXXXXXXX XXXX. I can not hear well enough to have a coherent phone call. They received my letter and have been made aware that I want the account closed, but have apparently chosen not to act upon my request without a phone call. 

4 ) Furthermore, the card requested closed is a secured card. Failure to return funds in a timely manner is an unlawful retainer of my funds held as security. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 informationisinaccurate.

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 2024-05-29 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: FL

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
Ive sent out my letters they asked me to send in and I have done that XX/XX/XXXX of this year. The old information keeps coming back to my report even tho is was identity theft

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 2024-05-29 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:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights 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 instructions7

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 2024-05-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights 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 instructions7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXXXXXX XXXX  - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXX XXXXXX/XX/24- NOT MINE INQUIRY XXXX XXXX XXXXXXXX XX/XX/24- NOT MINE. 
INQUIRY - XXXX XX/XX/24 - NOT MINE

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 2024-05-29 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: FL

Complaint narrative:
Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX  - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXXXXXX XXXX  - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXXXXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXXXXXX XX/XX/year>- NOT MINE INQUIRY XXXX XXXX XXXXXXXX XX/XX/year>- NOT MINE. 
INQUIRY - XXXX XX/XX/year> - NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. The remarks bave been detrimental to my life and credit health

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 2024-05-29 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:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage has ignored my SAVE application, which I submitted in XXXX, for over two months. I have looked into whether this is typical, and there are endless complaints from people in a similar position -- at times, never receiving an update for almost a year! Meanwhile, the Federal Student Aid site had said we should hear from them within 4 weeks ... My SAVE application aside, they are a terrible business generally. Their customer service is a disgrace. They are nearly impossible to get in touch with and unhelpful once you're able to speak with someone. The representatives routinely contradict one another and are rude to customers. Their website is similarly a disgrace. It is EXTREMELY confusing and difficult to navigate ( and I am tech savvy ). It's nearly impossible to confirm what payment plan you're on or what your total monthly payment is. Aidvantage is either grossly negligent or intentionally scamming us. I live in XXXX, which is very expensive and can not afford to pay over {$1000.00} a month on loan payments. The federal government routinely encourages me to enroll in SAVE, but aidvantage won't even process the application. Aidvantage is truly awful in every way, and many other customers are in a much more dire situation than myself. A simple XXXX  search reveals endless complaints of people being charged the incorrect amount, being extensively ignored, being told incorrect information and finding inaccuracies in the payment records. I strongly believe Aidvantage should be held criminally accountable. They are clearly taking advantage of their customers and we customers were assigned to this servicer by FSA. It was not our choice to work with Aidvantage and we seem to have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I am looking to apply to the PSLF. I would have already qualified but I was put on an unsolicited deferment or forbearance during the months of XX/XX/year>, XXXX despite me informing XXXX  and then MOHELA that I was working for an eligible employer and wanted to make these payments. XXXX said there was nothing they could do and MOHELA said that it would make me delinquent on this payments and would not count toward my PSLF. XXXX also had gave me incorrect information during this time saying that I should apply for an unemployment forbearance knowing that I was on an income drive repayment plan and my payments would have been zero anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This credit card was included in XXXX  XXXX bankruptcy with the original creditors. This should not be reporting as an active collection reporting any balance due.

Company response to consumer: Closed with explanation