vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
To whom it may concern : My goal is to ensure that the information on my credit report is accurate and reliable. I have decided to use my rights under FCRA to challenge any information in my credit report that is not accurate. This is just an allegation at this point, so I need you to provide evidence before taking any drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I'm fighting back against this injustice so I can get my life back! Please send over some physical proof of what has been done and an updated credit report.

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 2024-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed
State: TX

Complaint narrative:
Am in good standing with student loans, i have filed with Students departments defferrement based on low income, it came when i tried to apply for morgage as first time buyer and discovered there was different student loans i wasnt aware of it. They have reported me to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I signed up for a UFB Direct Secure Savings account that came with a 5.25 % APY. On XX/XX/2024, I opened a UFB Direct Freedom Checking account. Opening the account offered the possibility of boosting that 5.25 % on the Secure Savings account by UP TO 0.20 % by completing one or more of 3 steps. Step 2, as listed, required {$5000.00} in direct deposits per month into the account, and it would boost the rate by 0.05 %. NOWHERE does/did it state that you have to complete ALL three steps to get any boost. Each step could be completed individually to be eligible for a boost. Now UFB Direct is denying me the boost of 0.05 % even though I deposited {$5000.00} in both XXXX and XXXX. I'm still just getting the 5.25 % on the Secure Savings account. 

UFB Freedom Checking - https : //www.ufbdirect.com/pages/checkingaccount Checking Designed to Boost Your Interest Rate Open a UFB Freedom Checking account and earn up to an additional 0.20 % Freedom Boost* on your UFB Savings or Money Market account. 

* UFB Freedom Checking is a non-interest-bearing account. To receive the additional 0.20 % Annual Percentage Yield ( APY ) on a UFB Savings or Money Market account owned by at least one owner of the checking account, you must complete the following : Receive monthly direct deposits totaling {$5000.00} or more. Once completed, you will earn your first 0.05 % rate bump and unlock the other interest-earning options. 
Earn an incremental Freedom Boost of 0.10 % on your corresponding savings or money market rate if your UFB Freedom checking average daily account balance exceeds {$10000.00} per month. 
Earn an incremental Freedom Boost of 0.05 % on your corresponding savings or money market rate by using your UFB Visa Debit Card for a total of 10 approved transactions per month ( min {$3.00} per transaction ). 

XXXX on XX/XX/2024 stated " I'm sorry about the confusion regarding the advertised boost. When setting up direct deposit into your checking account that totals a minimum of {$5000.00}, you will qualify for the boost of 0.05 %. However, this increase will not reflect under the account details section where your rate is listed as the actual account rate on the Savings account is 5.25 % APY. When requirement is satisfied, this increase will reflect in your monthly statement. '' Not true for either XXXX or XXXX. 

Now XXXX and XXXX are trying to tell me that I have to satisfy all three steps. As you can tell from the above, that is NOT what the website and the fine print states. 

I know UFB Direct is a subsidiary of Axos bank, which has shown very shady business practices in the past when I had accounts directly through them or through Nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
The information that is on my credit report doesnt belong to me. It belongs to someone else. I did not open any accounts or try applying to any of the creditors that is listed in the files. Please review my report and remove all inaccurate information.

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 2024-05-01 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: FL

Complaint narrative:
To whom it may concern : I am asking you to review your data on file for me and to ensure that it is accurate and complies with the Fair Credit Reporting Act ( FCRA ) and METRO 2 compliance standards. I challenge any inaccuracies or deficiencies in the reporting, and I require the permanent removal of any inaccuracies immediately. I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In a separate mailing, I received notification that Synchrony Bank is forcing me to receive electronic statements. They are adding a separate fee of {$1.00} for paper statements going forward. Mandatory fee of {$1.00} for paper statements. 
There is no notice on the statement that paper fees will be mandatory. 
I believe that is unfair and discriminatory to those clients that do not have a computer or smart phone and can only get statements by mail. 
I called Synchrony and let them know about this procedure and they did not have a credible response. 
I also believe that this is an unfair " tax '' for those people that don't have electronic means to handle their payments.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
I have been subjected to egregious delays in credit reporting, as my student loans were transferred to XXXX in XX/XX/2023 from my former provider, Nelnet. My XXXX credit report has shown, since XX/XX/2023, my student loans under XXXX ( four total loans ) as well as the same four still being open accounts under Nelnet. Effectively, my XXXX credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my XXXX account. I am seeking that the Nelnet accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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 have been subjected to egregious delays in credit reporting, as my student loans were transferred to XXXX in XX/XX/2023 from my former provider, XXXX. My Experian credit report has shown, since XX/XX/2023, my student loans under XXXX ( four total loans ) as well as the same four still being open accounts under XXXX. Effectively, my Experian credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my XXXX account. I am seeking that the Nelnet accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have 30 days to dispute this information and will need proof of your investigation before anything is updated on my credit report.

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Original Creditor : XXXX XXXX Collections Agency : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX Placed for collections on : XX/XX/2023 Principal : {$6600.00} Interest Due : {$150.00} Total Due : {$6800.00} XXXX  Last year I was told that I could break my lease without penalty XXXX month early due to being a victim of XXXX XXXXXXXX. I was living in XXXXXXXX XXXX at the time, and I was protected and well within my rights to vacate under Texas XXXX ; Sec. XXXX. RIGHT TO VACATE AND AVOID LIABILITY FOLLOWING FAMILY XXXX. Fast forward, even with the documentation provided, I was informed well after my move that I was liable for my last months payment. Which is completely against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these inquiries : XXXX and XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I requested, *Validation Of Debt *Purchase Agreement *My Wet Signature *Proof of Statue of Limitations *Complete Payment History *Proof of License to collect in my state *License Numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have been an American Express member for XXXX years. I have always had my payments on automatic payment for XXXX years. 

This month, without cause or reason, Amex cancelled my account. 

When I called to discuss this, I was bounced around from XXXX foreign country call center to another. I could not understand what the agents were saying half the time, because they could not speak proper XXXX. 

My last experience with American Express, left me feeling not so " American ''. 

What I could understand from the conversation was my account was cancelled for " collections ''. 

How can you cancel an account that is XXXX XXXX XXXX for " collections '', when I have NEVER BEEN LATE IN XXXX YEARS? 

Is this how you treat a XXXX year customer?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I have ID theft and asked them to assist me with this account. They were successful but the account is still showing up on my credit report.

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 2024-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
It is listed on credit report false I make payment on account and continues to state false and late payments on crust report, never received notice of transferring info to credit report and In accordance with the fair credit reporting act privacy, this creditor has violated my rights under 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose Information : account name : CREDIT ACCEPTANCE CORPORATION Account number : XXXX Account type : auto loan

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I git a deposit from XXXX XXXX and I get a message negative in my account XXXX XXXX I go in my online account so I call they saying all this XXXX lies as always to cover up their mistakes ( seen on the news ) that Wells Fargo had problems with late deposit I know I had enough money in my account shouldn't be negative now I look a hour ago its XXXX dollars now they just making up stuff and I see XXXX things from a place I paid already the member fee

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 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: AL

Complaint narrative:
Republic finance is stating I owe them XXXX, but when I asked them for a statement print out it shows a different amount of {$5200.00}. Ive explained to them Im on XXXX and I really cant add to pay them. The account was also written off in the amount of {$5200.00} in XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-05-01 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: LA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent credit disputes to all XXXX credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission.

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