vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My Nelnet student loans were paid in full ( {$31000.00} ) by another company in XX/XX/XXXX which resulted to a {$0.00} balance. Currently, XXXX XXXX, the account is still showing active on my credit report with the full balance. 

History : I started contacting Nelnet In XX/XX/XXXX because the account was still showing open and with the full balance. Every time I contacted Nelnet I received conflicting answers -- first they said due to their reporting structure, the balance would take a few months to drop off, then they said because I had XXXX late payments back in XXXX ( 5 years ago )- they wont change the reporting. 

At the end of the day- the reporting is wrong... The account is showing open ( but should be reported as closed since it was paid in full ) and the balance should be reported as XXXX. Is there anything I can do to get this reporting updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX of 2022 I requested a payoff from my bank of America credit card account of which the bank told me the amount I in turn send the information to the company that was handling the payoff the company in turn send the check to bank of America i am not sure how the transaction was handle all I was told the money was sent to the bank for the payoff bank of America without contact me about the payment and sent my name to XXXX credit bureau that I was late in XXXX & XXXX of 2022 I disputed it several times with the credit bureau and all the time they came back with the same dispute # that it has been verified I call the bank on several occasions and to be told that the department does not speak to anyone I am very frustrated as I have nowhere to turn to for help I have been a loyal customer with this bank of America for over 40 years and this is the way that I have been treated i hope that I can get your help in removing this late report from my XXXX credit file thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Ford Motor Company reported my account to XXXX XXXX XXXX XXXX for debt collection. Before this happened, I attempted to work with Ford Motor Company several times over the past few months on how to resolve this balance while I am on a restricted income, as I explained to the agent, XXXX. XXXX refused to provide any financial assistance or flexibility in repayment options. She denied all offers I gave and said they could only collect the amount in full. 

On XX/XX/23, I received an offer letter from Ford Motor Company, dated XX/XX/23. This letter said I could resolve my debt with them for {$380.00} of the original {$630.00} if I sent payment within 15 days. I responded to their offer, again explaining my financial situation and that the best I could offer to pay off the balance and close the account was {$300.00}. I included a check for {$300.00}, dated XX/XX/23. Ford Motor Company received my letter and check and cashed the check on XX/XX/23. At this time, I assumed my account was in good standing since they accepted my payment. 

After finding out my account was sent to XXXX, I called a Ford representative ( named XXXX ) to ask why I was sent to a credit bureau after submitting payment and she said that my payment was not received within the 15 day time period they offered, which is incorrect, as they received and accepted the payment within that time frame. She said there is nothing further that can be done for my account because it had been transferred to a debt collection agency. I have been attempting to contact XXXX via phone as well as e-mail since being told of the transfer, but XXXX will not respond to any of my inquires. 

I am requesting that this debt be investigated because I made my best efforts to resolve this debt with Ford and by accepting my check, it should not have been forwarded on to a credit bureau. Attached, please find a copy of the attached check as
well as my bank statement showing that the check was indeed cashed by Ford ( other personal information has been removed from this document ). Unfortunately, because I sent the offer letter back with the check, I do not have a copy of the original letter. When I called Ford for a copy of it today, she ( XXXX ) refused to provide it. 

Please let me know if you need any further information from me to investigate this matter. I look forward to hearing back regarding the outcome. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The fraudulent account in question was apparently established with the intent to deceive unsuspecting individuals seeking a rental property. Unfortunately, this deceitful act has not only caused financial loss to potential tenants but has also tarnished XXXX XXXX 's reputation. We suspect that the perpetrators took advantage of the current situation, exploiting the chaos and uncertainty caused by the pandemic.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
trying to login to my account i get sent to a screen saying unable to complete request. when i try forgot password they never send the password reset email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
To AMERICAN EXRESS, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given, verbally, non-verbal, written, or unwritten per 15 USC 6802. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft and this company is still reporting this fraudulent account on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Disputed debt as collection agency ( XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXX XXXX XXXX XXXX  is {$150.00} and the original creditor is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Disputed debt as collection agency XXXX XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXXXXXX XXXX XXXX XXXX is {$150.00} and the original creditor is 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit Bureau was mailed Federal affidavit to verify all inaccurate accounts, addresses, and inquires reporting on my consumer credit file. Credit agency failed to provide legal validation of the alleged debts within lawful time frame. Credit agency is reporting invalidated information this action constitutes fraud under XXXX and XXXX Laws. Credit agency violated Fair Credit Reporting Act by reinserting previously without written notice within lawful time frame.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit Bureau was mailed Federal affidavit to verify all inaccurate accounts, addresses, and inquires reporting on my consumer credit file. Credit agency failed to provide legal validation of the alleged debts within lawful time frame. Credit agency is reporting invalidated information this action constitutes fraud under XXXX and XXXX Laws. Credit agency violated Fair Credit Reporting Act by reinserting previously without written notice within lawful time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was notified my info was compromised in XX/XX/XXXX and I promptly took action by fling an FTC AFFIDAVIT and reaching out to credit bureaus. I had to pay for access to " free '' reports which I was never able to obtain due to system being down.

I haven '' t been able to access to control my report.

Under 15 USC 1681 ( a ) - ( l ) Everything must me accurate and verifiable and complete.

I did not nor authorize the following inquiries.

I want them removed. 

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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against BC Services Inc., a debt collection agency located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I have been in communication with BC Services Inc. regarding a debt collection matter related to my state taxes. While I am willing to cooperate and have agreed to a monthly payment plan, I am concerned about the agency 's insistence on obtaining my credit or debit card information before finalizing the agreement. 

This request raises questions about the legality of such a requirement and creates an unnecessary burden, especially considering alternative payment methods like checks. I believe this may be a violation of consumer rights and merits investigation. 

Details of the complaint : Name of Company : BC Services Inc. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with consumer protection laws.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: EGL US, LLC
State: CA

Complaint narrative:
Loan Number XXXX To whom it may concern : I believe I've been subjected to predatory lending practices on an account. Despite paying {$1400.00} towards a {$3000.00} loan, only {$250.00} has gone towards reducing the principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NY

Complaint narrative:
I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA.

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights.

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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I applied for unemployment deferment in XX/XX/XXXX and after months of back and forth verifying my unemployment benefit amounts I was approved yet I keep receiving monthly billing statements. Although I received an email stating I was approved, nothing on my Nelnet account reflects the deferment- my balance shows as overdue, payment amount is incorrect, interest 's still accruing- it's all wrong. I called Nelnet on XX/XX/XXXX and they confirmed that my loans were still in deferment and said something along the lines of it being a system error and to not worry about it? 

On top of that, they haven't processed my XXXX application that I submitted on XX/XX/XXXX ... it's now XX/XX/XXXX ... i've been waiting FIVE months. I used to receive automated emails saying it's still processing and they'd reach out within the next 10 days, the 10 days would come and i'd get the same automated email. The emails eventually stopped coming until they requested more info on XX/XX/XXXX so I uploaded the required documents but didn't hear back. I called to check on things XX/XX/XXXX and they said they were experiencing an influx of applications but it'd eventually be processed. As of today, I STILL haven't heard a single update on my application status and they don't even have an option to view the status of the application on their site.

Company response to consumer: Closed with explanation