vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
studentaid.gov I submitted two forms for certifiying my TEACH Grant through them. I uploaded them on the exact website that customer support keeps giving me. ( https : //studentaid.gov/status-center/upload-tool ) The forms continued to magically disappear after I submitted them despite me getting e-mail confirmations that the website received them. I submitted a feedback case ( # XXXX ) asking for assistance with this on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I followed up on the website by entering messages on the case itself and never received a response. 

I've tried chatting with them numerous times on their website and continue to get the run around so I decided to just resubmit my forms and this time they actually stayed. However, they have been " in review '' since XX/XX/XXXX. I've attempted phone calls ( which I get left on hold for hours or hung up on or told to call someone else ). I've attempted chats ( where I get the run around and they just copy and paste information from their website that doesn't answer my questions ). I asked for a log of my chats and where to find them. Apparently they don't allow us borrowers access to that and only they can see them so I can't even provide proof except for the one time I saved it before she ended the chat ( XX/XX/XXXX ). 

If they don't approve my certification forms by the required date, they will convert them into direct loans + interest DESPITE the fact that I have completed my portion of the agreement I signed with them to receive the TEACH grant in the first place. It is not acceptable for them to not hold up their end of the LEGAL agreement but require me to. Especially since I did hold up my end. I submitted a second complaint on XX/XX/XXXX ( # XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am following up on my complaint against Bank of America regarding their refusal to provide a reason for denying my checking account application. The companys response to the CFPB stated that they sent their explanation directly to me and provided a copy to the CFPB. However, I have yet to receive any response from them. 

I have called the phone number they provided ( XXXX XXXX ) multiple times and left several voicemails, but I have not received any response from Bank of America. Their lack of communication is preventing me from understanding why my application was denied and from taking any necessary steps to resolve the issue. 

I request that the CFPB take further action to ensure that Bank of America provides a clear and timely response to my inquiry. Please advise on the next steps I can take to resolve this matter. 

Thank you for your assistance.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: PA

Complaint narrative:
I am submitting a formal complaint regarding Equifaxs failure to accurately update and report my student loan status in accordance with the Fair Credit Reporting Act ( FCRA ). 

My student loans were closed and discharged in XX/XX/year>. I disputed the inaccurate reporting of these loans on my Equifax credit report and provided supporting documentation confirming the discharge. Despite this, Equifax incorrectly verified the loans as open and unresolved, while both XXXX and XXXX have accurately reflected the closed status. 

Upon attempting to dispute the inaccuracy again, I was informed that I could not submit another dispute for the same reason, which is a direct violation of my consumer rights under the FCRA ( 15 U.S.C. 1681i ).

FCRA Violations by Equifax Failure to Correct Inaccurate Information ( 1681i ( a ) ( 1 ) ) Credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item. Equifax failed to properly investigate my dispute, despite clear evidence supporting my claim.

Failure to Provide Accurate Information ( 1681e ( b ) ) Consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The fact that XXXX and XXXX properly updated my student loan status while Equifax did not demonstrates a failure to ensure accuracy. 
Unlawful Refusal to Allow Reinvestigation ( 1681i ( a ) ( 3 ) ) Consumers have the right to dispute inaccurate information. Equifaxs refusal to allow me to submit a follow-up dispute regarding an unresolved inaccuracy is unlawful and obstructs my right to a fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-15 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: NY

Complaint narrative:
Despite my efforts to provide the necessary documentation and communicate with the company, my concerns have been ignored or mishandled. This lack of investigation is unacceptable and does not align with the companys stated policies or obligations. 

I would like this issue to be properly addressed and resolved immediately. Please confirm the steps that will now be taken to investigate and rectify this situation. 

Thank you for your attention to this matter.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my efforts to provide the necessary documentation and communicate with the company, my concerns have been ignored or mishandled. This lack of investigation is unacceptable and does not align with the companys stated policies or obligations. 

I would like this issue to be properly addressed and resolved immediately. Please confirm the steps that will now be taken to investigate and rectify this situation. 

Thank you for your attention to this matter.

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 2025-02-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OH

Complaint narrative:
I was awarded XXXXXXXX XXXX, and my back pay totaled over {$80000.00}. I initially requested the funds to be sent via ACH transfer to my bank account, but instead, the Social Security Administration ( SSA ) deposited them into a XXXX XXXX account, which resulted in a new card being issued. 

In order to access the funds and pay my XXXX XXXX XXXXXXXX XXXX insurance, I was told that I could either : 1. Withdraw the money in {$2500.00} increments, incurring transaction fees, or 2. File a request to have the money transferred to my bank account.

I attempted five times to transfer the funds, but after four attempts, XXXX XXXX informed me that they could not transfer the money into my joint bank account ( because my husband 's name was on the account ). They told me I needed to remove his name to proceed. 

I then went to my Social Security office in XXXX, where they said they would **look into the issue. However, I later received a call from XXXX. XXXX XXXX saying they were closing my account due to Fraud that the Social Security called about. I tried to explain but the hung up. I called weeks later and they said they sent the money to Social Security. 

Current Status - XXXX XX/XX/XXXX 10 transactions was completed. 8 for {$9900.00} two for amounts over {$2000.00}. I followed up with XXXX. XXXX XXXX, and they told me they had debit ( XXXX ) my account and used the XXXX process, meaning the funds were supposedly sent back to Social Security or Commerca Bank they weren't allowed to tell me where exactly. 
- I spoke with Social Security, and they told me that Comerica Bank had the money as of XX/XX/XXXX. 
- I then contacted Comerica Bank, but they claimed they do not have the funds and told me I needed to contact the Consumer Financial Protection Bureau ( CFPB ). However they did take my complaint and said they will call me back but there is nothing they can XXXX The XXXX - Social Security says Comerica has the money. 
- Comerica says they do not. 
- XXXX. XXXX XXXX refuses to provide documentation on where the money went. They said to call the Treasury Department. 
- Meanwhile, my XXXX insurance company believes I have the money and am not to paying them back. 


My heart is broken and the hours and stress this has placed on me has be feeling worse. My XXXX is a result of a XXXX and I don't want to risk another one, but this going in circles is not okay. What if I was elderly and didn't have the support I have of a family, husband and community.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Bankruptcy XXXX  XXXX-discharged Bankruptcy : Discharged XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: GA

Complaint narrative:
AFFIDAVIT ATTESTING TO COURSE OF PERFORMANCE UNDER PENALTY OF PERJURY I, XXXX XXXX XXXX, the living woman, hereby declare that : 1. On XX/XX/year>, XXXX XXXX XXXX XXXX commenced a forensic audit attesting to the separation of the debt obligation and the mortgage agreement constituting fraud committed by XXXX, of the note by XXXX XXXX to XXXX XXXX Trust. 
2. Through Course Of Performance ( XXXX XXXX ) XXXX was notified as to the fraud created by the separation of the debt obligation and mortgage terms of Loan # FNMA XXXX Trust ; XX/XX/year>, Notice of Mortgage Fraud XX/XX/year>, XXXX certified mailing # XXXX, Second Notice of Fraud Affidavit of XXXX XXXX XXXX XXXX attesting to the separation of the note done by XXXX XXXX XXXXo XXXX XXXX Trust included in Second Notice 3. Due to fraud of the separation of the debt stream and the mortgage terms the mortgage contract between XXXX XXXX and XXXX XXXX XXXX and the entity, XXXX, is void. 
4. Release of Mortgage was recorded with XXXX XXXX Deeds and records, Deed Book : XXXX PG : XXXX on XX/XX/year>, and there is no lawful attachment of the Loan # FNMA XXXX Trust to XXXX. 
5. Release of XXXX was recorded with XXXX XXXX Deeds and records Deed Book : XXXX PG : XXXX on XX/XX/year> 6. The publication by XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX listed in the XXXX XXXX, to foreclose on my property dated XX/XX/XXXX, XXXX and XXXX, has been posted fraudulently as the property has been conveyed into the private. 
7. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX did not notify me or send a copy of the publication prior to running the publication in the XXXX XXXX. 
8. My property has erroneously been listed for foreclosure on auction.com.

9. If any man or woman wishes to dispute the facts contained herein, they may do so by a sworn affidavit, executed under the penalty of perjury, and placed on the record for all to see.

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 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
i was in the hospital with a XXXX XXXX i was given several tests and i am now taking many medications i am not doing well i can not handle the stress of this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: OR

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXXXXXX XXXX XXXX XXXXXXXX - {$6700.00} XXXX XXXX XXXX XXXXXXXX - {$8000.00} XXXX XXXX XXXX XXXX - {$3900.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

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 2025-02-14 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:
I disputed a charge-off on my credit report with Experian twice on XXXXand requested verification under FCRA 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ). Despite my request, Experian has failed to provide any documentation proving the validity of the debt. Instead, they continue to report the charge-off without verifying its accuracy, which violates my rights under the Fair Credit Reporting Act.

As a result of Experians failure to verify or remove this unverified charge-off, I have filed a complaint with the Federal Trade Commission ( FTC ) regarding their noncompliance. I am now escalating this issue to the CFPB for further action.

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