vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Since my loan began in XXXX, I have been a very loyal and timely loan customer through Santander. However in XXXX, I've suffered a series of medical and financial hardships but I've always stayed engaged with my loan payments -- paying when & what I could on a monthly basis. Beginning in the summer of XXXX, I began to receive very bad service from the representatives when speaking to them regarding my loan. Many of the service representatives were unable to answer basic questions related to my policy and often gave me incorrect information. The service responses became quite glaring and threatening in XX/XX/XXXX. When I attempted to make a payment using Santander 's online portal I was denied repeatedly in making basic payments without a fee. The system was repetitively declining my request and I contacted the customer service who began to give me the complete runaround on a recorded phone line. When I asked for the matter to be sent to their executive team I was told I would get a return call within 2 days. 3 weeks later on XX/XX/XXXX I contacted Santander to speak with someone in the executive team. XXXX answer the phone. She denied me a payment arrangement and a loan deferral. I offered to pay {$290.00} by the end of XX/XX/XXXX to bring my account under 60 days late with an initial payment of {$120.00} the first week and then the remaining balance by XX/XX/XXXX. XXXX denied my offer to pay what I could and help me to bring the account current " telling me that's not enough money ''. XXXX XXXX and thereby Santander ) also denied me a loan deferment to catch up with my payments against my consumer rights. My last loan deferment was initiated in XX/XX/XXXX, 9 months ago... And it is now XX/XX/XXXX. I'm requesting CFPB to pull the recorded phone calls ( by law ) to evaluate the harmful loan service I am receiving and hear Santander deny me fair & proper means to repay my loan while also denying a loan deferral to stabilize my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
RE : XXXX Block Request To whom it may concern, I am a XXXX XXXXXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX reason for the contact is cause of the company listed they are a payday loan an charging me 598 percent put of XXXX  there are a tribal lender which I live in XXXX  an from what I have read what they are doing is criminal XXXX XXXX XXXX XXXX so I stopped paying the loan cause the payment i made is like it did nothing an it went rite back up so if they take me to court I mean under sub section XXXX that the excess interest in not enforceable so do I let it get to that point or what should I do since starting the loan I have had fraudulent with in the company to where I have been charged from put sourced companies to where I have had to close my account an card if you can please help an contact them or me cause what they are doing is illegal they gave me a XXXX dollars at 598 percent when I tried to return it an cancel they told me it was signed an i was basically beat an now I would have to pay back XXXX dollars on a XXXX dollar loan so please if you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
My Nelnet account went into repayment in XXXX of XXXX. They split up my monthly payment into two separate payments. One of {$120.00} on the XXXX of the month, and XXXX of {$170.00} on the XXXX of the month. This was not something I chose, Nelnet set my payments up this way. 

On the XXXX of XXXX, I logged into my account and it reflected that I had a late payment of {$120.00} on my account, even though I am on auto debit. I called and was told that since the XXXX fell on a Sunday, the bank couldn't release funds and it should be released sometime that Monday. This is my first concern because I should not have any indication of late payments on my account when I am set up for auto debit unless the charge is declined, which is not the case. 

The second issue was that the total account balance I had due on XX/XX/year> was {$410.00}. This is {$120.00} more than my agreed-upon monthly payment of XXXX. I was told that this was a discrepancy that would be resolved after my first payment of {$120.00} was withdrawn from my account, and if that did not become resolved to reach back out. 

On XX/XX/year> at XXXX XXXX, I logged into my Nelnet account and was shown the following things : My payment of {$120.00} was paid, my second payment of {$170.00} is in the process of being withdrawn from my account, and my remaining amount due for XX/XX/year> is {$290.00}. This is not correct, as I had already paid the {$120.00}, so the remaining balance should be {$170.00}. 

I called back to Netnet to get this resolved and was told that there is nothing wrong, and that since I paid the first half of the bill for XXXX, the reason why it's still {$290.00} is because they added the payment for XXXX onto the " Current Amount Due on XX/XX/year> ''. I told them that this makes no sense, and is incorrect because if it includes the payment from XXXX, it should not say it is due on XX/XX/year>. 

This practice is unethical and predatory, and the only explanation is that they are trying to trick people into paying more than what is actually due. I have asked them if this is something they can fix, so my Current Amount Due is correct, and they just continued to tell me that this is how they do things and there is nothing wrong with it.

*I have attached a screenshot showing the agreed Due Dates & amounts, A screenshot of my payment activity showing the amount paid on XX/XX/year>, and a screenshot of the " Current Amount Due on XX/XX/year> '' discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I have reached out to the credit monitoring bureaus XXXX, TRANSUNION, and XXXX. 
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

It has been 4 months since the first time I reached out to all of them and I haven't recieved a response besides a letter from XXXX and Transunion which seemed like a way to delay the process. I did again a response aknowleging the letter I recieved and wanted to proceed. I havent heard anything back from none of them. 
I have the proof from the postage of every letter ive sent. I've reached out to all of them 3 times in the last 4 months.

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 2024-12-18 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: TX

Complaint narrative:
I have reached out to the credit monitoring bureaus EQUIFAX, XXXX, and XXXX. 
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

It has been 4 months since the first time I reached out to all of them and I haven't recieved a response besides a letter from XXXX and XXXX which seemed like a way to delay the process. I did again a response aknowleging the letter I recieved and wanted to proceed. I havent heard anything back from none of them. 
I have the proof from the postage of every letter ive sent. I've reached out to all of them 3 times in the last 4 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened my bank of america business checking account because I was promised a {$1500.00} bonus when you open a new business checking account and complete the following requirements : Make Qualifying Deposits of {$50000.00} or more in new money within 30 days of opening the new business checking account Maintain an average balance of {$50000.00} or more for next 60 days ( day XXXX ) during the maintenance period So, on XX/XX/2024 and deposited over {$50000.00} in funds and also left it in the bank account until XX/XX/2024. I reached out on XX/XX/XXXX, after the 60 day period, to inquire where my {$1500.00} bonus was. The representative said this was a mistake and it should be deposited soon, and they notated my account. I waited until XX/XX/XXXX, called again, and still, no bonus deposited and this time they told me they don't see the bonus on this checking account. Clearly, this is a deceiving practice by Bank of America. They profited off investing my {$50000.00} while not fulfilling their promises of {$1500.00}.

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 2024-12-18 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 XXXX # XXXX Account Name : XXXX # XXXX XXXX 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 2024-12-18 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 XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was made by XXXX, but not XXXX. In the response to my complaint XXXX, XXXX indicated that " as soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file. '' However, XXXX has not placed an extended alert in my file

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 2024-12-18 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation