vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Duty pursuant to the Federal Credit Reporting Agency, it is EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting incorrectly for my total balances Experian claims that I have {$140000.00} in overall debt. That is wrong. XXXX XXXX XXXX show a balance of {$100000.00}. This is incorrect. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. With that said, the reporting of the results of the inaccurate balance in EXPERIAN violated my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate balance on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have called and sent secure email messages via Ally Bank 's online savings account portal on at least 6 separate occasions over the past months requesting to provide me with interest earned for 3 specific intervals of time in 2022 for our joint tenant Ally Bank accounts/CD 's. Unlike other financial institutions, our Ally Bank 's online savings account does not allow us to determine interest paid for customized intervals of time other than what appears on their mid-monthly statements. In addition, Ally Bank has not responded to any of my email/phone queries requesting this same information for nearly one month now. Customers should not have to make repeated requests for very basic account information. Ally Bank has not provided the most basic level of customer service in regard to my repeated requests and is now totally ignoring me by not returning emails or phone calls. I wish to receive this information from Ally Bank as soon as possible.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX I entered into the Biden Harris FRESH START INITIATIVE which put ALL of my student loans into CURRENT and Good Standing. I pulled all three of my credit reports yesterday on XX/XX/XXXX and see that TRANSUNION is showing TWO different or duplicate account from XXXX XXXX XXXX as being DELINQUENT and in DEFAULT for more than 120 days. Yet BOTH XXXX and XXXX show ABSOLUTELY NO INFO or an account PERIOD with XXXX as it was transferred over to COLLEGE ASSIST quite some time ago. In fact at the end of each XXXX  account statement from TRANSUNION it statesACCOUNT CLOSED DUE TO TRANSFER. 
So not only are my rights being violated under 15 US C 1681s-2 ( A ) ( 1 ) which states that any information relating to the consumer by a REPORTING AGENCY CAN NOT be INACCURATE, but my rights are ALSO being violated under the Biden Harris FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 


( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
Last year I had an issue with Ameris Bank where they sent my escrow tax payments incorrectly to the wrong Tax ID. After months of constantly trying to get it fixed and sending a CFPB complaint ( XXXX ) they assured me it would never happen again and they paid a {$75.00} fee for the late fee. 

This year again I got another escrow check and again they paid it towards the wrong tax id. They also said I have a shortage in my account in the same amount XXXX XXXX is listing as a penalty from 2022 late fee since they took MONTHS to pay it. This amount is {$580.00}. AMERIS BANK DID NOT COVER THIS PENALTY FEE AND NOW WANT ME TO ABSORB IT IN MY NEW ESCROW PAYMENTS. They also stated they paid the late fee in the amount of {$75.00} in the letter but the Fee in XXXX XXXX is {$89.00} IN ADDITION TO THE {$580.00} PENALTY. 

XX/XX/XXXX, I called in to pay {$170.00} in response to them absorbing these penalty fees as part of what I now owe as Escrow I got a letter saying the check was returned. I processed the payment over the phone with an agent - I didn't send a check and got returned check letters when an agent said this payment went through successfully. 

I was also told by the supervisor she saw how I was charged the penalties but Ameris did not cover them and she was creating a case. I have not heard back since.

This second mistake from Ameris, repeating the same one as last year has cost me time off work to handle these errors. It has also created mental distress for me and my family to have to constantly react to the errors. I've gotten no response from XXXX XXXX the supposed research person assigned to the case. I'm starting to think Ameris Bank is discriminating and treating me unfairly as a customer by putting me through their errors multiple times now. I am wondering if this is a deceptive practice to try to ruin my credit and not have me be a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed transactions that 1. I didnt make 2. I returned an item but didnt get my credit back but the Banks are always reversing it, which then takes my credit back and I go negative

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX account on or around XXXX with a reference number of Reference Number : XXXX. 

The denial letter I received electronically from XXXX XXXX XXXX Bank advised my XXXX credit file was used to make the denial decision. 

On XXXX I noticed XXXX XXXX XXXX had also inquired on my Experian credit file. The disclosure that Experian was utilized in the denial decision was not disclosed in the denial letter I received. XXXX XXXX XXXX also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of 2022. XXXX XXXX XXXX advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per 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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account XXXX I wrote a letter to XXXX XXXX XXXX requesting VERIFIED proof of debt or Proof of undertaking, XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, Notice of Default and Opportunity to Cure XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, without any respond. 
Send a letter to Equifax on XX/XX/XXXX requesting validation of Debt, they said it was validated, on XX/XX/XXXX XXXX send a letter requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax respond as verified. 
According to 15 USC 1681i ( 5 ) all reported information must be accurate.

Equifax has violated my Rights. 
Which is a violation. this is impacting from moving forward in my personal and business credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Attn : Consumer Financial Protection Bureau XX/XX/2023 To Whom It May Concern, This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. The notation of the following late payments and multiple accounts is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I have provided proof from the financial institution that there were only two accounts paid off and the other accounts are reported incorrect with no late payments. 
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAADL status ( Paid As Agreed, Never Late ) according to consumer protection laws I am in total disagreement with your investigation response. 
Dept of EdXXXX : XXXX - {$25000.00} please list account as PAADL. 
Dept of EdXXXX : XXXX {$1300.00} please remove account. 
Dept of Ed/XXXX  : XXXX - {$5500.00} please remove account. 
Dept of EdXXXX : XXXX - {$1300.00} please remove account. 
Dept of Ed/XXXX : XXXX - {$12000.00} please remove account. 
Dept of EdXXXX : XXXX - {$200.00} please remove account. 
Dept of EdXXXX : XXXX - {$1300.00} please remove account. 
Dept of EdXXXX : XXXX - {$100.00} please remove account. 
Dept of EdXXXX : XXXX - {$520.00} please remove account. 

Furthermore, I demand that you provide actual proof that the information was verified, not a computer-generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers for information.

3. The method of communication you used to verify the information.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law. 

Sincerely, _________________________________________ 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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, VA via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/XXXX  in the amount of {$3100.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In or around XX/XX/2022, I retained Universal XXXX Services , Inc. because TransWorld Systems , IncXXXX was reporting a collection account on my credit files and I never received written notice. Counsel requested that TransWorld Systems , Inc. verify the debt, but they have not provided the requested information adequately verifying the debt. In fact, TransWorld Systems , Inc. has violated multiple laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a checking, savings, and cd account at Webster Bank. My branch is in XXXX XXXX XXXX, in XXXX, XXXX, New York XXXX I check my accounts everyday online. I am very concerned about all of the scams that have occurred. On Friday, XX/XX/XXXX, I checked my accounts using the usual user name and pass word. On Saturday, XX/XX/XXXX, I was denied entry. I tried four times. I called the central office at XXXX, and I established a new user name and pass word. I was very upset about this because It didn't make sense that I couldn't get in with the usual pass word. My husband and I went to the branch at XXXX XXXX XXXX and spoke to a young man named XXXX. We changed the pass word again, and he said he would discuss the situation with the manager, XXXX, on Monday, On Monday, XX/XX/XXXX, I called the central office again and spoke to the fraud department about my concerns. I was concerned that my pension check had been deposited into my checking account on Saturday XXXX, and I was not able to enter my account on that day. I felt that someone may have entered my account and changed the codes. Saturday is a slow day for banking and the checks are not usually direct deposited on Saturdays. I was expecting it on Monday, XX/XX/XXXX, but I check my accounts everyday by force of habit. XXXX called me from the branch on Monday, XX/XX/XXXX after I called the central office. She said the original pass word had been restores and the new pass word was still usable. She said the confusion was that my husband and I had two different accounts. We have never established two accounts. We always only had one account together. I am concerned that the original user word and pass word were deleted mysteriously and then reappeared mysteriously after I established new does. I fell that someone tampered with my account. I ask that this situation be investigated.

Company response to consumer: Closed with explanation