vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is an inquiry on my credit report that I don't recognize, it was not authorized and I never consented to it. I only apply in person and this seems to have been done online, this is very worrisome.

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 2024-07-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a 5 month CD with Truist Bank. The Bank informed me in a letter that the CD matured and that I had 10 days to renew. I failed to renew the CD and so the Truist Bank renewed my CD for another 5 months at .01 % interest ( XXXX XXXX XXXX XXXX XXXX XXXX interest  ). I went to the bank to take the money from the CD The bank would not do this unless I paid a {$25.00} penalty for early withdrawal of the CD. 
I met with the Bank Manager XXXX XXXX, Truist Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
I advised XXXX XXXX that I did not think it was fair for the Bank to renew my CD for 5 Months at the ridiculous rate of .01 % without my permission. Furthermore, I did not think it was fair that I be charged {$25.00} penalty for my to get my CD money. 
The manager said that he would not waive the {$25.00} unless I opened another CD with these funds at his bank, and I told him I did not want to do that. 
I paid {$25.00} penalty to get my CD funds. 
The same thing happened a couple of days later with another CD that I had at this Bank and I was forced to pay another {$25.00} penalty. 
I do not think that any Bank Customer/Consumer should be treated this way. I don't think that the bank should be able to tie my money up at .01 % for 5 months 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 explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Well, Chase bank put a hold on my accounts XX/XX/22 and I was keeping in touch with them, the Sender and partners of mine Went and Had representative to Provide what the Bank was asking, the bank told them that they would close them out and send me the checks for my personal and business account Got Your Back and I havent received anything and i recently wrote them online and their not Responding. I want my Funds that were in the accounts. I can not let them get away from Robbing me just like its Bad to Rob Banks, Bad for Banks to Rob Customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I sent them a 2nd letter. on XX/XX/year>, because they send me another letter twice. I received one on XX/XX/year> & XX/XX/XXXX XXXX they same type of letter but witha different layout. Buthave not reeived the information requested to verify the debt, as i dont know who these people are acct # XXXX new id 's on these 2 letters id : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: FL

Complaint narrative:
Netspend closed my account and They were supposed to send me a check for return of funds for my closed account and I never received it in the mail. I reported it lost and they claimed it was cashed And after many attempts, they finally agreed to re-issue the payment to my account and send a XXXX and then the same day They did a total reversal and decided theyre not gon na send me my return of funds from my closed 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 explanation
Consumer complaint received 2024-07-16 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: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you of my intent to litigate against Experian. You have claimed to verify my account with XXXX XXXX, as they have certified that the information on my credit report is correct. However, XXXX XXXX is in violation of several federal laws, and their reporting is inaccurate. 

Regardless of what XXXX XXXX tells you, as the furnisher of this information, you have grave responsibilities under XXXX vs. XXXX to ensure that my credit report is fair and accurate. It is clear that you have taken the word of the creditor instead of looking at the facts. According to 15 U.S. Code Section 1681, it is your duty to ensure the accuracy of the information you report. 

It is not fair or lawful for an account with a four-year delinquency to be open and reporting. This constitutes a violation of the law. Therefore, I am formally notifying you of my intent to pursue litigation. I will be seeking damages for every instance you allowed this account to report over the past four years. This will be a substantial lawsuit if you do not correct this account by removing it immediately. 

As the company providing the report and the score, you are accountable for the information you allow to be presented. Your reporting has significantly altered my life, causing pain and suffering for which I hold you responsible. 

Please take this letter as a final opportunity to correct this matter before I proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 


Here is the item I am asking you to verify as accurate : XXXX : XXXX  [ XXXX ] XXXX XXXX XXXX  [ XXXX ] Transunion : XXXX  [ XXXX ] I am in disagreement with the account listed below which still appears 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 non-monetary relief
Consumer complaint received 2024-07-16 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: PA

Complaint narrative:
THIS COMPANY I DO NOT SHARE ANY DEBTS WITH. THEY FRAUDULENTLY ADDED THIS ACCOUNT TO MY CREDIT REPORT WITHOUT MY CONSENT. I DO NOT HAVE A CONTRACT WITH THEM NOR DO I HAVE A PAYMENT AGREEMENT. THEY WERE UNABLE TO PROVIDE ME A CONTRACT OR ANY FORMS I SIGNED CONSENTING ME MAKING ANY PAYMENTS TO THEM. MY RIGHTS HAVE BEEN VIOLATED AND THESE REMARKS HAVE BEEN DETRIMENTAL TO MY LIFE AND CREDIT HEALTH.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
They close my account for suspicious transactions and they dont tell me wich transaction are they talking about, they said they dont have more information, the money that I have on that account is from my taxes and now they said that my account dont apply with the requirement for a check refund!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Acct # XXXX This account shows Im Late on one payment but its incorrect & shows 3 different late payments on 3 different months I paid this Account on time & has been paid off on time the inaccuracy of this late payment has affected my credit score & against the Law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Acct # XXXX This account shows Im Late on one payment but its incorrect & shows 3 different late payments on 3 different months I paid this Account on time & has been paid off on time the inaccuracy of this late payment has affected my credit score & against the Law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 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 2024-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have argued numerous times that my Tuition Answer Loan was discharged as part of my XXXX  XXXX bankruptcy AND XXXX  XXXX bankruptcy ( see attached ). They have continued to collect monthly payments since then both discharges were filed by the court. As per a number of recent cases, it has been determined that in fact the Tuition Answer Loans are dischargeable. 

See XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) United States Court of Appeals, Second Circuit. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Navient Solutions , LLC, Navient Credit Finance Corporation XXXX XXXX No. XXXX Decided : XX/XX/XXXX Before : XXXX, XXXX, XXXX, XXXX XXXX  XXXX 

There are three student loans that I took out with Sallie Mae ( now Navient ) while I was in college XXXX. The Navient student loans were discharged in Bankruptcy. I have attached the discharge papers that include other " student loan '' companies as well as the courts sentence stating that the unpaid amounts have been discharged. The other " student loan '' companies have realized the loans were discharged in Bankruptcy ( see additional attachments. ) These are all non-qualified private student loans, so they are not exempt from discharge under the bankruptcy code. They were taken out as direct consumer student loans, not certified by the school, and they were in excess of any scholarship and the federal student loans that covered by tuition. No further petition needs to be filed with the court for the discharge, according to the bankruptcy code any non-qualified private student loans are automatically discharged. I've told Navient this multiple times, but they just say that student loans can't be discharged in bankruptcy, which is only accurate for federal and private qualified student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a collection notice from a PayPal account I never had I disputed with the collection company and they suggested I reported identity theft. I reached out to PayPal to gain info on the account. Waiting for response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} PORTFOLIO RECOVERY ASSOCIATES Date opened XX/XX/XXXX Balance {$900.00} PORTFOLIO RECOVERY ASSOCIATES Date opened XX/XX/XXXX Balance {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
Got mortgage XX/XX/XXXX for a doublewide in FL. Got homeowners insurance. Opted out of wind and hail ( hurricane ). I signed a statement acknowledging this and the mortgage company signed a statement acknowledging that we opted out of this type of coverage. We do have home owners insurance. Now the bank has taken $ out of our escrow for wind and hail insurance without our permission. They say the signed statement from their own mortgage officer means nothing. She sent the policy today and it started in XX/XX/XXXX ( we had no idea ). Money just came out of escrow this XXXX and we have to pay again in XXXXWe were hit by Hurricane Ian and had {$90000.00}. Plus damage. We paid cash and fixed it all. We do not want wind and hail insurance- it doesnt cover much and it costs a lot. How can they force us when it was not required at closing and they acknowledged that we opted out. 3 years later they are making us buy it. I have repeatedly talked to LMCU and they say their hands are tied ( originally they lied and said FL laws changed ( which they did not )

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 2024-07-16 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: CA

Complaint narrative:
I submitted several investigation request letters to the credit bureaus and they are still violating my rights by reporting inaccurate, unverifable and incorrect information on my credit report. I sent the investigation request letters out by certified mail and they were notarized. I will hold the credit bureaus accountable for willful noncompliance. They have violated my rights and I have proof of 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted several investigation request letters to the credit bureaus and they are still violating my rights by reporting inaccurate, unverifable and incorrect information on my credit report. I sent the investigation request letters out by certified mail and they were notarized. I will hold the credit bureaus accountable for willful noncompliance. They have violated my rights and I have proof of 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation