vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
SINCE NOTIFYING TRANSUNION OF INACCURACIES AND SENDING PROOF OF THE CORRECT INFORMATION PER XXXX XXXX XXXX, TRANSUNION IS CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION CONCERNING MY PERSONAL INFORMATION. SINCE FILING FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block ; NO RESPONSE HAS BEEN RECEIVED FROM TRANSUNION, ADDITIONALLY, TRANSUNION IS CONTINUING TO UTILIZE NON-MAILABLE ADDRESESSES. TRANSUNION IS IN VIOLATION WITH THE FCRA REPORTING GUIDELINES REGARDING ACCURACIES IN REPORTING.

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 2024-01-10 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: NY

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX XXXX Bankruptcy. 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 non-monetary relief
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-10 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX and XX/XX/ I have reached out to all XXXX major credit bureaus demanding to send me proof of these certain account listed on the attachment that was uploaded. I have yet to hear back after numerous attempts. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally, and I am a victim of the Equifax data breach.

I would like to have these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax should be held accountable, as my personal life has been deeply affected. Please help me delete these illegal accounts from my credit report.

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided, our records indicate your personal information was impacted by this incident.

The services and payments are listed as follows : XXXX XXXXXXXX XXXX XXXX {$59.00} X XXXX  months = {$1000.00} XXXX XXXX XXXX XXXX XXXX  Payments of {$100.00}, XXXX  payment {$99.00} = {$420.00} XXXX XXXX XXXX XXXX XXXX {$99.00} for XXXX  months = {$690.00} XXXXXXXX XXXX XXXX  {$39.00} for XXXX months = {$270.00} Total Spent on Service {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The term Credit transaction as defined under 12 CFR 1002.2 means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ).

Under 15 U.S. Code 1681a - Definitions ; rules of construction, more specifically section ( d ) ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The account with XXXX XXXX  contains information, that I have highlighted in the attachments, that by law need not be furnished. Please remove all information that would be classified as a credit transaction from the XXXX account and permanently update it to paid as agreed. 

Let it be noted. I am not asking for a verification of the account. I am directing equifax to remove all information from the account that would be classified as a credit transaction information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I'm having several issues with Nelnet. My loans were transferred in XXXX to their company from Great Lakes. I had no issues with Great Lakes, in fact, my experience was excellent. 

On XX/XX/XXXX I received an email stating that I had an incomplete IBR Application that was recently submitted. I've not submitted any new IBR applications since XXXX XXXX and I had the concern that this was false information. I attempted to call NelNet, and was given a 90 minute wait time. Unfortunately, with work, I do not have the ability to wait on hold for 1.5 hours during the day. I went back through, and StudentAid.Gov confirmed in XXXX XXXX  that my IBR was received and approved for 12 months. I'm not sure why Nelnet is sending me information as such. 

The second issue I'm having, is Nelnet is showing my loan as " past due '' or " late '' when it's in fact been paid each month. I'm on an IBR SAVE plan, and I pay the amount due each month. Nelnet confirms they've received my payment, but then marks my loans as past due, and shows warnings that I need to make a payment after I've already paid and it's been processed. This didn't seem like a big deal until yesterday, XXXX when I received a formal email from StudentAid.Gov stating that Nelnet reached out to them saying I missed a payment. I immediately logged into the website, and sure enough, my payment was received for XX/XX/XXXX, processed, and the website shows my next due date isn't until XXXX XXXX XXXX. I'm really hoping this incorrect information does not make it to my credit report. 

I've attempted to contact Nelnet via email, which they're stating " Sorry, we're experiencing a delay in our replies '', as well as via the phone. Each time I call on the phone, there's a minimum of 90 minute hold times, and once was quoted 30 minutes, only to sit on hold for 75 minutes before having to hang up. 

The third issue I'm having is with their website. It seems to be down a lot, and when attempting to login, I'm given an authorization code, which never works. Copied direct from the text or email, it seems to fail at least every other time I login. As such, I'm frequently locked out of my account, and have to reset the password, even though my password and authentication code were correct. 

I'm not sure what else to do. I'm paying my loans as I should, and I'm being threatened with action for " missed payments '' that were already processed weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
On XXXX, I submitted a claim for {$1100.00} against my XXXX XXXX, which at the time showed {$2900.00} available. This claim was for my XXXX annual payment of my XXXX supplement type XXXX XXXX, with XXXX XXXX. I submitted the claim online, and included a copy of the bill for {$1100.00}, and, for proof of payment, a copy of a page from the XXXX XXXX website showing my policy was paid to XX/XX/XXXX. I even high lighted the paid to date. At XXXX XXXX Tuesday XXXX, I received an email that Optum Bank calls " advice of deposit ''. This is a very meaning less email because it fails to mention which claim it is associated with. It tells you to check your account to see which claim has been paid. When I checked my account I did not see any new claim marked paid, but later saw they had debited my XXXX the amount of the {$1100.00}, showing a balance of {$1800.00}. Therefore, I assumed they were in the process of paying that claim. Today XX/XX/XXXX, at XXXX XXXX, I received an email saying my claim had been denied. When I checked my account, my XXXX balance is back to {$2900.00}, and the details of the claim show it was denied due to lack of proof of payment. This is even though My documents submitted with the claim show the policy is paid until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Bureau was mailed Federal affidavit to verify all inaccurate accounts, addresses, and inquires reporting on my consumer credit file. Credit agency failed to provide legal validation of the alleged debts within lawful time frame. Credit agency is reporting invalidated information this action constitutes fraud under Federal and State Laws. Credit agency violated Fair Credit Reporting Act by reinserting previously without written notice within lawful time frame.

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 2024-01-10 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I tried to finance a truck, as I was asking please if it's possible to run soft credit not hard XXXX, they promised, yes for sure we will do that after few days I was shocked when i saw my credit falling down around XXXX points, as i called them and I said why this is happened, as i got promised it will not, they said we are so sorry we will come back to you, until now they didn't. 

otherwise, this happened for me before 1 year with another company for the same reason they were lying, and they run my credit hard without asking me even I told them what i need. 

so please with my highly respect and if there is a chance to remove both of this inquiry from the dealers that I go it unfairness..

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
Hello my name is XXXX XXXX I had my identity stolen and hackers got into my stock account and bank account. Ive got it all cleared up with the bank and I got my money back! But Robinhood whose holding my stocks havent responded and thats where all my money was! Ive sent hundreds of emails. Filed a police report. And even got a lawyer now and nothing yet. Can I please get help from someone! Ive complained to the SEC as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MI

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened my account in XXXX for a large settlement and to flee a serious XXXX XXXX situation and it was explained to the banker and he assured Id be okay and my account was under heavy security measures. As of today XX/XX/2024 me and my children are hiding out in a hotel because he got into my accounts and found out where we live. He has taken money out of my account over XXXX dollars from bofa account and over XXXX from another credit company without permission and hey handled the situation. My son has XXXX  he needs and we have no food and scared to go home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been horrible experience with BOFA they are not taking this matter seriously Ive sent reports and statements and they still wont return funds. I am filing a lawsuit against BOFA if anything happens to me or my kids

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/22 {$4700.00}, Transunion, XXXX and XXXX did nothing to resolve the disputed claims.

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 2024-01-10 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: MO

Complaint narrative:
XX/XX/22 {$4700.00}, XXXX, XXXX and Equifax did nothing to resolve the disputed claims.

Company response to consumer: Closed with non-monetary relief