vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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:
Account : Super.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My XXXX credit card ( XXXX ) is listed twice on my report ( see pages XXXX ). I only had one XXXX credit card and it was closed on XXXX. 

Also, the XXXX card lists a {$360.00} balance in XX/XX/2023 but I never borrowed any money on this card. The balance was money I deposited onto the card and then immediately used. The XXXX card says it's a secured credit card but you can not borrow against it. You can only use the money you deposit and the money is not held in a security account. You do not borrow against the card or receive any credit to spend. You just add money when you want to use the card and then you can spend that much. The balance I carried was never borrowed from XXXX card. I deposited those funds and spent them the same day. 

I have attached XX/XX/2023 transactions to show that I would deposit money on the card and then immediately spend only the money I just deposited. I did not carry a balance as if I needed to pay XXXX back. There are no payments or statements or bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
15 U.S. Code Sec. 1601, 1602/ To Whom it may concern, I XXXX XXXX XXXX made an uninformed decision on this date XX/XX/2020 when I entered into the consumer credit transaction agreement. There was no such evidence of indebtedness, the only evidence was the agreement. So therefore the agreement is null and void. Because I made an uninformed decision because I didn't understand its meaning and it wasn't clear and conspicuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name, address, phone are all wrong across all credit reporting agencies and its affecting my ability to obtain credit for car and home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My father took out a HELOC in XXXX when I was 14 years of age. He died a year and a half ago on XX/XX/XXXX. I have faithfully been making payments on his behalf since he passed, and I am only seeing the balance on this loan increase, as the payments I am making are only going towards interest. Furthermore, he had XXXX and had a {$55.00} or so per month payment. Since his passing, I pay at least $ XXXX $ XXXX. He and my mother were still married at the time ( divorced in XXXX ), but the Deed of Trust lists my father as an unmarried man. My mother had no knowledge of this loan until after my father obtained it. 

This is not my loan, and it is unfair that I am carrying this burden on top of losing my father, for a loan he took out when I was underage and had no say in. I request this be looked into and humbly ask for it to be forgiven all together, as I believe Regions Bank has received their {$30000.00} back that was loaned to him 16 years ago. I have reached the end of my rope here, and am asking for assistance and mercy. I can provide proof of his death certificate and obituary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The issue is causing me significant XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
On XXXX I transferred {$10000.00} into my EdFinancial student loans. Edfinancial transferred all loan customers to a new website. After transfer to the new website, {$10000.00} that was transferred was deducted from my husband 's bank account but not accounted for on the new website. I have called them once I realized their error. Firstly, they had no awareness about the error. If I was not paying attention to my pre-transfer and post-transfer total loan, then it would not have been caught. I started contacting them in early XXXX first or second week. Each time of contact, I have been given multiple estimated dates and reassurances that it will be fixed. I have sent multiple messages and called several times since then for updates. It has been more than 60 days since my early phone calls with no resolution and no guarantee of resolution. I will speak with supervisor tomorrow. However, even if I speak with them, I am unsure if they will correct the issue or continue to tell me to be patient and wait again with no reassurance it will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received a new credit card from Bank of America ( Visa ). I called them because I tried to activate the card and the number was busy multiple times. then receive a letter that my card was frozen. Mind you I have never opened the account. I called B of A and spoke to someone who supposedly cleared the freeze and opened the account. I tried 2 times at 2 different locations to use this card. Both times it got declined. I called again each time being told nothing should be wrong with this card. Yesterday I called again and talked to the fraud department. I was on the phone with them over 1 hour and 30minutes. They told me I had to go to a branch with 2 forms of identification to to unfreeze the card. This has been a headache from day 1. I refuse to do anything. I asked them to cancel the card, they will not. I need help. I do not want this card or any affiliation with Bank of America. I need someone to help me, please? I have wasted 4 plus hours of my life trying to fix this. Bank of America refuses to help me. 

Please help, 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: MI

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 XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, account names : XXXX XXXX # XXXX, account name XXXX XXXX : # XXXX, account name XXXX XXXXXXXX XXXX : # XXXX .XXXX  XXXX bankruptcy discharged reference # 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 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 2023-08-29 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: NC

Complaint narrative:
To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  ( 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 explanation
Consumer complaint received 2023-08-29 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: Kriya Capital, LLC
State: MS

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: SLM CORPORATION
State: MS

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected on my current capitol one card account number beginning with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is showing late payments to DEPTEDXXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DEPTEDXXXX customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: FL

Complaint narrative:
My credit report is showing late payments to DEPTEDXXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DEPTEDXXXX customer service representative.

Company response to consumer: Closed with non-monetary relief