vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to XXXX and Transunion have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

XXXX  XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

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 2022-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
My loan supplier, Edfinancial, is giving a crazy refund timeline ( 150 days ) for payments that I made during COVID. This refund timeline is significantly longer than other loan suppliers which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In Accordance With ( IAW ) the Fair Credit Reporting Act I am disputing the accuracy of my Credit Report. The accounts listed below have been deleted from my XXXX Credit Report : XXXX XXXX XXXX XXXX Account # XXXX. This account and XXXX  XXXX XXXX  XXXX Account # XXXX, XXXX/XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Acct # XXXX are reporting all kinds of ways! How can these accounts be Updated or Verified and Open and Closed? These accounts must be deleted because you continue to report inaccurate information on my credit report that is against the law. It is totally inaccurate and should have been deleted long ago. I want these accounts deleted from my Experian Credit Reports because I know that All of my Credit Reports are suppose to be identical, yet they are Inaccurate, and it has damaged my credit really bad. IAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. The information on these accounts are inaccurate and yet they are continuously being reported monthly. IAW the Fair Credit Reporting Act, these account are in violation of my rights, Experian credit reports as they should have been via the Automated Reinvestigation System to All of the credit bureaus upon deletion from my XXXX Credit Report. 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C. 1681s2 ( 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. All of the accounts listed above are inaccurate on my Experian Credit Report because it is so frustrating.

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 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

Bank Of America is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.

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 2022-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Vehicle loan was closed on XX/XX/2022 and was reported as 30 days delinquent with a XXXX XXXX balance in XXXX of 2022. 

Bridgecrest formerly XXXX refuses to remove the delinquent status from my credit portfolio. 

The delinquent status has caused my XXXX score to drop by XXXX points. I'm a military veteran looking to purchase my first home but the negative mark on my credit has slowed the process of being approved with a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 U.S.C. 1681. 

Account Name : Account Number : XXXX XXXX  ( XXXX XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/2022 XXXX U.S.C. 1681 Section 602 A. Staets I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also States a conusmer reporting agency Can not Furnish a Account without my Written Instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section Sates : 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 then seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) : A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal, I still practicing non-faith acts. I was told it would like 90 to 120 days to refund me the funds taking out of my account. I have attached documents that show XXXX issuing the refund and as you can tell it keeps getting reversed. I would like to the bank in question to not only refund me the amount of {$300.00} within the next XXXX to XXXX busniness days. 

( E ) STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT DEFINED. -- For purposes of this Act, the term " standard maximum deposit insurance amount '' means {$250000.00}, adjusted as provided under subparagraph ( F ) after XX/XX/XXXX. Notwithstanding any other provision of law, the increase in the standard maximum deposit insurance amount to {$250000.00} shall apply to depositors in any institution for which the Corporation was appointed as receiver or conservator on or after XX/XX/XXXX, and before XX/XX/XXXX. The Corporation shall take such actions as are necessary to carry out the requirements of this section with respect to such depositors, without regard to any time limitations under this Act. In implementing this and the preceding 2 sentences, any payment on a deposit claim made by the Corporation as receiver or conservator to a depositor above the standard maximum deposit insurance amount in effect at the time of the appointment of the Corporation as receiver or conservator shall be deemed to be part of the net amount due to the depositor under subparagraph ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MS

Complaint narrative:
ask them for proof of original document with my signature where i did business with them. From 2021. This company has ruined my credit with this ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We built our house in XXXX, and we put {$7000.00} down payment. My husband name was put on the mortgage and both names put on deed. This allow him to qualify for the first time home buyer. I purchase a townhouse when I was XXXX in XXXX and stayed there until XXXX. I refinance my townhouse and got {$20000.00} to furnish our new home. We receive a letter in and around XXXX from BOA stating we were behind in our mortgage and we had not made a payment in 2 1/2 years. This was a mistake we hadn't miss a payment. 
My husband was a engineer on the Railroad bringing home {$5000.00} every two weeks. I thought it was a honest mistake and it would be corrected without a problem. This turn into a 10 year nightmare. The only thing that change in our life was lawsuit against XXXX XXXX. This was retaliation against me. A XXXX XXXX XXXX XXXX XXXX sent from Corporate was made Store Manager. Her first target was me. She walked in my office the first thing she said was do you work in bookkeeping and computer room. I said excuse me. My name is XXXX and I work in computer room. Then she said all of that is about to change. I said excuse me can you tell me what the changes are, so I can decide what I'm going to do. She then got mad and went into Human Resource Office and said I had attitude problem. That's when our life changed. She started firing older XXXX and replacing them with XXXX. I file charge with XXXX and 8 or more people did the same. XXXX refuse to do a Class Action. I hired attorney did deposition. The only thing there lawyers want to know each one of my family member 's name, age, and where they work. My husband was included and he was a target. I request payment history. The documents was altered. It was ridicule. We went to Hud for help they said they couldn't do anything been 24 months behind. I went to XXXX and BOA said that was a 3rd party and they don't work with 3rd party because there name was not on the loan. We tried getting in the program where the government would pay 2 years of mortgage payment. Since we supposedly was 2 years without making payment we couldn't get in that program. We were " XXXX XXXX  '' you can put my name in computer and I come up on a watch list. This loan had 5 loan no. and 4 FHA no. and Hud refuse to do audit. This is there department. You would think they would want to investigate the FRAUD in there on dept. Just like when I made that complaint about XXXX putting my house in Foreclosure which was retaliation. ( My husband XXXX XXXX XXXX give me permission to speak on his behalf. His name is on mortgage and XXXX XXXX and XXXX XXXX XXXX is on the Deed. We are not signing any documents that BOA give us to sign. Due to the Fact we don't Trust anything they do or say )

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 2022-09-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is showing a credit card balance that is inaccurate for my XXXX XXXX XXXX XXXX. The card balance still hasnt been updated for the month of XXXX as of today XX/XX/2022. Even though the posting date is normally the XXXX of each month. 
As per the Penfed agent I spoke to on XX/XX/2022, my XXXX credit card balance of {$570.00} ( XX/XX/2022 posted bal ) was submitted to all the CRA 's on XX/XX/XXXX. XXXX and XXXX have the correct bal. but Experion doesnt. I need Experian to update the accurate bal as well.

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 2022-09-25 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: DISCOVER BANK
State: NC

Complaint narrative:
DiscoverCard is reporting to the credit bureaus that I have a charged off account with a specific amount owed to them, still invalidated, and attempting to collect another amount, over {$1000.00} more through a law firm and this is deceptive and furious collection techniques. Furthermore the balance Discovercard is not even showing the exact amount they earlier reported with a difference of XXXX ( XXXX cents  ). This needs to stop now! Trying to collect different amounts and this harassment along with is illegal! I will seek an attorney if this XXXX is not removed from my credit files by Tuesday morning XXXX. My rights have been violated and my credit score has been affected and this continues to invoke emotional stress which is affecting my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # # # # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-25 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am requesting a correction in my personal information for the 3rd time. It is terribly frustrating to continue asking again and again that the same information be corrected. In Accordance With the Fair Credit Reporting Act the information listed below is incorrect and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have no knowledge of these inquiries and I'm asking again for you to delete these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX  XXXX, AL XXXX. 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 without my written instructions. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than seven years.15 U.S.C . 1681s2 ( 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. Please delete these inaccuracies at once.

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 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY.. 

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 


First National Bank Of Omaha is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation