vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. 
Thank you for your prompt 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 2024-08-31 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: PA

Complaint narrative:
I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : 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 XXXXXXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. 
Thank you for your prompt 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 2024-08-31 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: TX

Complaint narrative:
I filed an identity theft report with the FTC, mailed it to all three credit reporting agencies certified mail. They did not remove all the fraudulent accounts.

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 2024-08-31 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: CA

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was at XXXX XXXX  and lost my wallet 15usc1681ge

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 2024-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MA

Complaint narrative:
Hello, Upon logging into EdFinancial in anticipation of starting work following my XX/XX/XXXX graduation from XXXX XXXX XXXX XXXX, I learned that a Grad Plus Loan I had taken out was subject to XXXX missed payments, and that I now owed a rather large sum of money as a result. Apparently, EdFinancial decided that payment was due starting in XX/XX/XXXX, despite the fact that I was enrolled full-time in XXXX XXXX XXXX XXXX until XX/XX/XXXX, when I graduated. 

I have been prevented from signing up for an income-driven repayment plan whilst this balance is outstanding. Moreover, EdFinancial erroneously believes that my remaining Grad Plus loans must be subject to payment starting XX/XX/XXXX. I start working XX/XX/XXXX. 

The federal student aid website clearly states : " Youll receive an automatic deferment while youre enrolled in school at least half time, and for an additional six months after you graduate, leave school, or drop below half-time enrollment. You dont have to start making payments until after this deferment period ends. '' Notwithstanding this, EdFinancial apparently began demanding payment, unbeknownst to me, whilst I was still enrolled in school, and now seeks to recover 16 months ' worth of " missed '' payments that it was never entitled to seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: MS

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. 

XXXX : ACCOUNT NAME : XXXX XXXX  XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX- # XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX # XXXX, XXXX- # XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-08-31 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I made a payment of {$30000.00} for the total of my loan amount. I received a payment confirmation email and confirmation number that same day. It took a few days but I checked the Aidvantage website again and my balance was {$0.00}. I thought I was done, Aidvantage reversed my payment ( this previous times for the amounts of {$1400.00}, {$2500.00}, {$380.00} and {$490.00} on separate occasions ). I researched why this would occur and there were suggestions that the routing and account numbers were not correct. I never changed these and made payments before. The details were correct, I didn't change anything so I decided to see if they would allow me to make the minimum payment and they accepted the payment of {$680.00} and applied it entirely to the interest. I made another attempt today ( XX/XX/year> ) for the amount of {$30000.00}. I have submitted an email asking my my payments in full are not being accepted and currently waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX - Citi misprocessed a check for {$1100.00} ( the statement amount ) as {$11000.00}. ( Note the extra XXXX in the ones position. ) They then ACHed this amount directly from our bank account, fraudulently taking an extra {$10000.00} ( {$11000.00} - {$1100.00} ) from the account. 

It appears that they did not do any verification of the check amount. 

This is not a trivial error. {$10000.00} is enough to bankrupt many households. 

I use the term fraudulent because they were not authorized to withdraw {$11000.00} from our account. If there is a more appropriate term to use, please substitute it in the following. 


XX/XX/XXXX We received the XX/XX/XXXX statement showing the problem. We immediately contacted Citi Customer Service. The initial response from the Customer Service rep was : Great! Now you dont have to pay your bill for a while!

We requested that the fraudulent charge by ACHed back into our account. They responded that first Citi had to do an investigation into why our account had a credit balance and that while the account is under investigation, we can not get anything back. 


XX/XX/XXXX We received a letter from Citi saying : Were verifying recent payments on your account so we can process your request for a refund. Please allow 10-14 business days for us to respond to your request.

This is the only communication we have received from Citi. 


XX/XX/XXXX We contacted Citis Retention Department. They were also unable to help. They did say that on XX/XX/XXXX, Citi decided it needed a new investigation to determine why they had not sent us a check. Again, since the account is under investigation, we can not request a refund. They did say that whatever we did, do not cancel the account because then we would never see our money. 


XX/XX/XXXX As of this date, we have not had any further communications from Citi. They have not returned our money. They did apply some of it to subsequent charges. At this time, we are owed {$8500.00}, which is the XX/XX/XXXX statement balance. 


According to the Account messages on the statement, any credit balance not resulting from a disputed charge can be refunded by calling the customer service phone number and requesting. We have made such requests. They have refused to honor them. 

It appears that Citi is generating investigations solely to avoid returning the funds that they fraudulently acquired. Note that their investigations are into their own processes and not into anything we may have done, but they are using them to penalize us. 

Throughout this process, Citis Customer Service reps have been unhelpful to outright rude and obstructionist. The impression I got was Yeah, Citi does this and there is nothing we can do.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to 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 before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 2024-08-31 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: TX

Complaint narrative:
I filed an identity theft report with the FTC, mailed it to all three credit reporting agencies certified mail. They did not remove all the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
I filed an identity theft report with the FTC, mailed it to all three credit reporting agencies certified mail. They did not remove all the fraudulent accounts.

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 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XXXX I sent payment to XXXX XXXX for a flower wall for an event as soon as I sent payment he blocked me and effectively scammed me. Sofi bank and XXXX XXXX have done absolutely nothing to assist me and I really need my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX, i sent an email to climb credit regarding the cancellation of a loan for {$10000.00}. On XX/XX/XXXX, they sent me back an email saying Once your loan has been originated, the school must submit the request to Climb to initiate any necessary actions regarding it. I am with an online web academy called XXXX, whom i have contacted numerous times from the XXXX until now receiving no answer for my efforts. I have been requesting XXXX to submit the request to climb to initiate the cancellation of the loan but that has not happened and the loan amount keeps increasing with every passing day. The current amount of the loan is {$10000.00} and rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened a checking account with Ally bank for the express purpose of using it to deposit and spend which is what checking accounts are for. I funded the account from my XXXX account with {$10000.00} direct software transfer which Ally had no problem taking in my deposit. 
Then on XX/XX/year> I did a wire transfer for {$10000.00} leaving the {$100.00} to cover the {$20.00} fee and sufficient to keep account open for next deposit. 
On XX/XX/XXXX, I received a call from Ally representative that questioned me for 16 minutes. I answered all of their questions and instead of completing the transfer, said they didnt like the amount I was transferring and referring it to their fraud department for a review that would be completed by XXXX close of business that day. 
Then for no reason, the wire transfer was cancelled, my account was locked with no way to see a status what was going on. It appeared to me this was Ally Bank attempt to steal/swindle me out of my money operating unethically if not illegally simply because they didnt like me spending my own money. 
I then called the fraud department trying to understand what happened, what was their process, when will it be done, where is my money, how do I get it out of them. 
There answer is always the same : Call the next day to see if there is a status, The people working in the fraud department have no idea what their process is, how long it takes or even who the phantom investigator is that has no name, no contact number, no stated reason for what or why their investigating. 
I need your help to get Ally Bank to stop this criminal behavior and release my {$10000.00} immediately. I want my account closed after my money is returned to me. 
The unethical behavior at best is : 1. Unilaterally determining how and when I can spend my own money. 
2. Locking my account to where I am not allowed to see status or even the agreement that supposedly allows them to whatever they feel like with my money.

3. Having a fraud department that can not state what their process is or how it works.

4. Appointing a phantom investigator that has no name, no contact information and has not reached out to me for 6 days after stealing my money. 
Please help me get my money ASAP so I can part ways with this SCAM of a Bank and do what you can as their regulator to get them to develop and follow written policies and procedures so this dont happen to anyone else. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Checking Account ending in XXXX. Because account XXXX XXXX XXXX locked cant get full number.

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 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Citi ( the Company ) is charging interest rates in 0 % APR period on purchases.

I am requesting the agency to assume jurisdiction ; I want a reimbursement on the interest charged without consent during the 0 % APR period.

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