vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AL

Complaint narrative:
XXXX/NELNET has not respond to my dispute or the CFPB complaint. Therefore, I am filing this complaint to follow up on my previous dispute and the complaint filed with the CFPB regarding the accuracy of information your institution has reported to the consumer reporting agencies concerning my accounts. My initial Dispute mailed Certified Mail Receipt on XX/XX/XXXX which was signed for on XX/XX/XXXX AND the CFPB Complaint # XXXX filed on XX/XX/XXXX. I have yet to receive a response within the XXXX -day period required by the Fair Credit Reporting Act ( FCRA ). 
As you are aware, under the FCRA, specifically 15 USC1681S-2, you have certain duties upon receiving a notice of dispute. These duties include : ( i ) Conducting an investigation with respect to the disputed information ; ( ii ) Reviewing all relevant information provided by the consumer with the notice ; ( iii ) Completing your investigation and reporting the results to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) 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 notifying each consumer reporting agency to which the inaccurate information was furnished and providing any necessary corrections to ensure the accuracy of the information. 
It has now been more than 30 days since you received my dispute, I have not received any communication or results of your investigation. The disputed information includes ; Account # XXXX Date Open XX/XX/XXXX and Account # XXXX Date Open XX/XX/XXXX Please consider his letter as a formal reminder and demand that you comply with your obligation under the FCRA. I request that you provide the results of your investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Lendmark Financial Services
State: TN

Complaint narrative:
I was denied auto loan credit by Lendmark due to information provided by Credit Reporting Agency XXXX. The information provided to Lendmark are as given : a ) Too few accounts currently paid as agreed ( False ) b ) Excessive Obligations c ) Number of recently opened accounts.. 

Key factors are included that adversely affected my credit score are as given : a ) Date of last opened account is too recent b ) Balances on accounts are to high compared to loan amounts c ) Too many delinquent or derogatory accounts ( XXXX ) d ) Insufficient credit history on installments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IA

Complaint narrative:
I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by TransUnion, XXXX, and XXXX. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that TransUnion, XXXX, and XXXX remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.

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 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Sat. XX/XX/year> approximately XXXXXXXX XXXX  Store purchase approximately {$33.00} Store interest approximately {$280.00}, XXXX days late according to XXXX XXXX  XXXX XXXX XXXX reached out to The XXXX XXXX XXXX XXXX company to get the account number so that I could review, update and pay on the account of the credit card. 

The company 's rep named XXXX did not and would not provide me with the account number even after verifying my identity. He was rude and very disrespectful in a way of filling like his power had authority to put me back in my place. 

He consistently talked all over XXXX XXXX of me only calling to get the account number even throwing in jabs about a previous account from a different store that was paid off and not in question. 

He even bought up my payment info that was on file and attached to the account, stating that he could easily take a payment and apply it now while trying to make me feel stupid for asking for my account number. 

He wanted me to argue with him, I hung up the phone. 

Conclusion : I didn't get the account number to pay online, the account is in collections and I just don't want to deal with that company at all if you have to fight anytime you want to do good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inability to Cancel XXXX XXXX XXXX and Unfair Collection Practices Dear CFPB Complaint Department , I am writing to file a formal complaint against XXXX XXXX for their refusal to allow me to cancel my membership in any manner other than in-person at the specific location where I initially signed up. This unreasonable cancellation policy has led to an accumulation of fees, which have now been sent to a collections agency, negatively impacting my financial standing. 

Details of the Complaint : 1. Membership Cancellation Issue I previously held a membership with XXXX XXXX. Due to a sudden relocation, I was unable to cancel my membership in person. Upon attempting to cancel by phone, I was informed that I could only cancel at the original location where I enrolled, which was not feasible due to my relocation. I believe this restriction is unreasonable and contrary to fair business practices, as it prevents members from canceling without being physically present. 
2. Closed Payment Account Since I was unable to cancel my membership, I ultimately decided to close the payment method associated with the membership. However, despite not using the facility, charges continued to accrue on the account. 
3. Debt Collection A few months later, I began receiving calls from a collections agency demanding payment for approximately {$600.00} in accumulated fees and interest. Despite explaining my circumstances, the agency was unwilling to consider my explanation and insisted on payment. 
4. Unfair and Deceptive Business Practices I am aware of recent regulatory considerations, such as the FTCs click-to-cancel rule, which aims to prevent this type of restrictive practice by allowing customers to cancel memberships online if they registered online. Although this rule is not yet in effect, I feel my rights have been disregarded under existing consumer protection standards. 

Request for Assistance I respectfully request that the CFPB review this complaint and intervene to prevent XXXX XXXX from continuing to enforce these restrictive cancellation practices. I also ask for relief from the debt associated with this membership, as I have not utilized their services since the closure of my payment account. 

Thank you for your attention to this matter. Please let me know if any additional information is required to support my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: VA

Complaint narrative:
Unauthorized inquiries damaging credit score XXXX XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX, XXXX, inquiry date : XX/XX/2023

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 2024-11-09 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: VA

Complaint narrative:
Unauthorized inquiries damaging credit score XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, inquiry date : XXXX, XXXX 2023

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 2024-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Under UCC 3-415 ( b ) the indorsement by Bank of America on the note states that it was made " without recourse '' and it disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument and can not claim any injury in bankruptcy against the debtor or claim injury to initiate foreclosure!!!!

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 2024-11-09 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: TX

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX  Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$2300.00} XXXX XXXX XXXX Balance : {$0.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-11-09 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: TX

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX  XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2300.00} XXXX XXXX XXXX Balance : {$0.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX XXXXXXXX, I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXXXXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXXXXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, 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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized charge of {$45.00} on my American Express card, listed as XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/year>. This charge is incorrect, as I am currently not in XXXX and did not rent a vehicle in late XXXX. I immediately contacted XXXX, but I was unable to obtain any information from their overseas representatives about this transaction. 

In response, I initiated a dispute with American Express ( Dispute ID : XXXX ), expecting their support in resolving what is clearly an unauthorized charge. American Express informed me that they sent an email on XX/XX/XXXX regarding the outcome of their investigation ; however, I never received this email and, to date, have not been provided with any explanation or documentation justifying the charge. 

In addition, American Express suggested that I follow up on my own, which is not feasible given that I am not in XXXX and have not rented a vehicle. This response is unsatisfactory and fails to address my need for a resolution. The charge is both unauthorized and incorrect, and I have taken all reasonable steps to notify American Express of this issue. 

I am seeking the CFPBs assistance to ensure that American Express provides a full refund of the {$45.00} charge, along with a complete and transparent explanation of how this charge was allowed to occur despite my lack of involvement and absence from XXXX.

Company response to consumer: Closed with non-monetary relief