vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I have asked that the purchase agreement for this account but instead they sent a billing statement i also asked for the assignment contract still never got it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I was forced into a subscription membership in order to receive a cash advance but I didn't know I was subscribing until after the fact when I had already paid off the cash advance and then surprised to see a charge on my bank statement. I cancelled it and requested a refund since I never consented to the charge. It's been about 6 months and they are still taking money from bank account and I have redownload the app multiple times in attempts to delete and unlink my bank account. But it will not allow me to do so I have emailed them numerous times tried to call but get no help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-20 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: OR

Complaint narrative:
On XX/XX/year>, I was notified that my credit score had changed. I investigated and found that this was caused by Transunion inaccurately reporting an inflated balance on one of my credit cards. 

I contacted the lender, who verified that Transunion was misreporting and that the balance on the report they submitted was the accurate balance. 

I disputed the report with Transunion, but Transunion " verified '' it as accurate, despite the lender in question refuting their claims as untrue.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have worked with a no -profit organization for 10+ years and should be eligible for student loan forgiveness- they sold out to another company and split everything in separate accounts so i have tons of different loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive Been In Contacted With XXXX & Experian Since XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted XXXX XXXX Experian For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time XXXX XXXX Experian Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

XXXX XXXX Experian Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case 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 2024-09-20 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX- Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX- Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Some kind of way there was money taken out of my Merrill Lynch account in the amount of {$100000.00} and I am asking for the money sent back. They have just gave me the run around. I am now asking for interest on this money which I would have received.

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 2024-09-20 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: FL

Complaint narrative:
I have asked that the purchase agreement for this account but instead they sent a billing statement i also asked for the assignment contract still never got it

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 2024-09-20 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: FL

Complaint narrative:
I have asked that the purchase agreement for this account but instead they sent a billing statement i also asked for the assignment contract still never got it

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive Been In Contacted With TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted TransUnion XXXX XXXX For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time TransUnion XXXX XXXX Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

TransUnion XXXX XXXX Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX  Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX  Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive Been In Contacted With TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX  I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted TransUnion XXXX XXXX For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time TransUnion XXXX XXXX Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

TransUnion XXXX XXXX Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case 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 2024-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
This is my second complaint for the same problem, the first complaint was closed out with an unsatisfactory response. A payment was made to my student loan account through XXXX XXXX ( a payment vendor for XXXX XXXX XXXX ) on XX/XX/2024 in the amount of {$100.00}. EdFinancial never applied this specific payment to my account. I notified EdFinancial on XX/XX/2024 that there is a payment missing from my account, and I have provided the payment transaction details to them several times through the online portal per the steps provided by the EdFinancial customer service representative. This payment is still missing and has not been credited to my account. They have been given the wire transfer details for this payment more than once. I do not have a copy of a canceled check or a bank statement because the payment did not run through my bank account. It was provided by a payment solution company, the payment made by wire transfer, and EdFinancial is refusing to address the information I have provided showing the payment went to their system. They are stealing {$100.00} intended for my account and blowing my attempts to resolve the conflict off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
On XX/XX/XXXX, I called Money Network to check my payroll deposit and there was only {$7.00} on my account. My paycheck was deposited and completely taken. I contacted Money Network and was advised a virtual check was written on my account. I filed a dispute with this company and was issued a new card. I have never authorized a check on this account. I have had this account since XXXX XXXX XXXXXXXX since XXXX and never had this issue. I received a new card and activated the card on XX/XX/XXXX and the money was not available. I contacted Money Network and advised the card is now activated but the funds were not on the card. I was advised by supervisor XXXX, the money was returned to my card on XX/XX/XXXX and someone by the name of XXXX XXXX wrote a check for {$470.00}, which left {$7.00} in my account. Therefore my account is now fraud for the second time, in less than XXXX weeks. I was told to file another dispute. I advised to Money Network ; my fear is now someone will take my money for a third time. XXXX told me to call every day to see if the money is back on my account. I asked, why can't a check be written to me and mailed to my home and close the account, as it is unfair, my money is being stolen and Money Network is not taking this seriously. I am XXXX  and work part time to put food in my home and this is causing a financial hardship to work, and someone keeps stealing my money. I have canceled direct deposit with XXXX for my future pay, however Money Network will not resolve this issue. Money now stolen is over {$800.00} dollars. First amount is {$410.00}. The second thief amount is {$470.00}. New case # 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 2024-09-20 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief