vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I have been disputing a public record on my credit report for the last 3 years. This credit bureau keeps advising it was verified as accurate despite being provided supporting documentation that is it NOT and is refusing to remove it from my consumer file. 

Today I spoke with an employee who identified himself as XXXX XXXX advised that they are in receipt of the documents however they dont know the reason why the public record has been removed from XXXX XXXX therefore they are unable to remove it. 

The document provided by XXXX states thats it was unverifiable and therefore removed from their files. Moreover XXXX requested the credit bureau directly to remove the erroneous public record and it is still there. 

XXXX, the supervisor of the credit dispute team, told me that they do not have the ability to delete anything from a credit report nor they can provide me with the documentation that was allegedly provided to them verifying this information. Moreover, XXXX advised that the credit bureau contacts the creditor, in this case that would be the XXXX XXXX XXXX - XXXX XXXX Illinois to verify public records. The XXXX XXXX XXXX XXXX XXXX Illinois provided me with documentation to provide to XXXX that is DOES NOT verify public records. 

This is an illegal practice and defeats the purpose of a credit dispute. If a consumers provides supporting documentation for any dispute and it still remains there should NOT be an option to dispute to begin with, if they are not going to honor any supporting documentation.

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 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My name is XXXX XXXX XXXX living in the XXXX XXXX. 

I am new student starting at the XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and the XXXX on XXXX XX/XX/year>. I was advised by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank of America Account : Account Holder XXXX XXXX XXXX XXXXXXXX. For USD {$5700.00}. 
I made this transaction yesterday XXXX XX/XX/year> through the XXXX XXXX XXXX to the Bank of America Account, XXXX XXXX, New York ( see attached Receipt of transaction ). 

Surprisingly, the University emailed me today XXXX XX/XX/year> to say that I should cancel the payment. Unfortunately, as the money has been lodged into the Bank of America Account, only the recipient could cancel or return the money. 
Also, I was taken aback that the University says that it can not access the money in the account as it has an issue with bank ( see attached chain of email correspondence ). 

I would appreciate it if you could help me in any way for the Bank of America to stop the payment and return the money to my XXXX  Account ( details in the attached receipt of transaction ). 

Also, I find it frustrating that the Bank of America has no contact details such as email address or a telephone or web chat facility that one can use to contact the Bank of America when in distress without first having to provide an Customer Account number or American Identity. I appreciate these are necessary but for a victim who is based in another country, it is near impossible to contact the bank. 

I look forward to hearing from you soon. 

Many thanks. 

Kind regards, 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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
This debt does not belong to me. It is on my credit report. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I am being sued by Onemain Financial Group for defaulting on my loan. XXXX XXXX : XXXX. I have been with Onemain for over 15 years, with loans that were paid in full or extended to bring past due payment current, with were added to the current loan. I am so heavily in debt ; I will be filing bankruptcy for the first time in my life. As I was looking on my contract with Onemain, I notice that the CFPB found that Onemain was using deceptive practices. On my contract with them I have the same add-on {$1000.00} XXXX XXXX XXXXXXXX : {$1600.00} XXXX XXXX ever since XXXX. My complaint is that Onemain never told me about your lawsuit. Now my personal character and trustworthiness among friends and family has been tarnished from the shame of filing bankruptcy. I would have gone to court without the knowledge that they owe me money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for me.

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 2024-09-05 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: IL

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report
ing 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 2024-09-05 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: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1.Lvnv XXXX. XXXX XXXX requested a deletion due to the information being wrong and failed to get back to me within 30 days Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified. 
I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX, I applied for Servicemembers Civil Relief Act benefits from American Express but was denied. I provided supporting documents to reflect the current duty station as a key provision state, Louisiana. 

On XX/XX/XXXX, I applied for SCRA benefits but was denied again. Once more, I provided supporting documents and highlighted the State of Louisiana Statute RS 29:312, which reads as follows : XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. 296, 1, eff. June 29, 2005.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for me.

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 2024-09-05 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: CT

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts that appear fraudulent and were added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/year> Text from Wells Fargo someone was trying to create {$8900.00} XXXX transaction call XXXX immediately. XXXX XXXX ( XXXX ) employee said to call XXXX regarding transaction. XXXX from XXXX XXXX claimed I was requesting XXXX for future investment of {$8900.00}. Called XXXX XXXX ( XXXX ) for next steps, was told in order to prevent transaction an {$8900.00} wire transfer was needed for Wells Fargo to flag as duplicate charge to reverse transaction attempt. XXXX XXXX ( XXXX ) helped me send wire transfer to XXXX XXXX XXXX, NV on XX/XX/year> to beneficiary bank XXXX ( XXXX XXXX XXXX ) XXXX, MA. Received wire confirmation from Wells Fargo, however, transaction was not questioned, flagged for confirmation or blocked by Wells Fargo. XXXX XXXX XXXX XXXX XXXX said he would keep me advised regarding refund of {$8900.00} to my account, wire amount {$8900.00} {$25.00} transfer fee charge. Fought with XXXX XXXX ( XXXX ) until XX/XX/year> when he stopped answering text messages and phone calls. XXXX XXXX XXXX said he could not refund my money unless I returned XXXX he sent to a XXXX email address. Did not hear from him again after XX/XX/year> Both XXXX XXXX and XXXX scammed me.

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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Complaint Regarding Credit Denial by Bank of America Dear Consumer Financial Protection Bureau and Bank of America, I am writing to formally lodge a complaint against Bank of America for their recent denial of my request for an extension of credit in connection with an auto loan. This denial is in violation of my rights under federal law, and I am seeking your assistance in addressing this matter.

Pursuant to 15 U.S.C. 1602 ( f ), I assert my right to access credit, which is a fundamental right and not a privilege that can be arbitrarily withheld. By denying my credit application, Bank of America has infringed upon my rights under this statute. Additionally, this denial constitutes a violation of the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). 

As a result of these violations, I am filing this complaint to bring attention to the unlawful actions of Bank of America. Furthermore, this letter also serves as a pre-arbitration notice. If my rights continue to be disregarded and Bank of America does not remedy the situation, I will pursue legal action and initiate arbitration proceedings against them. 

I request that the CFPB investigates this matter thoroughly and ensures that my rights under the law are respected and upheld. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Account 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 2024-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
I have been on the SAVE student loan repayment program with Edfinancial Services since XX/XX/XXXX. I was placed in an administrative forbearance on XX/XX/XXXX due to issues with the SAVE program, but received official documentation stating that my loan interest rates will be set to XXXX XXXX  during this time and interest will not accrue ( image attached of letter ). Since then, my loans have continued to accrue interest at their regular rates and my account interest rate is STILL not set to XXXX XXXX  ( image attached of my 4 loans with unchanged interest rates ). I have contacted Edfinancial over 20 times now to fix this issue through both email and phone and they constantly respond with a different answer that is not addressing my issue at hand. It has been frustrating and feels absolutely illegal for them to not be honoring their letter and claim that the administrative forbearance should not accrue interest during this time, yet still allowing my account to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: PA

Complaint narrative:
XXXX XXXX Date of birthXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Thank you. 

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 non-monetary relief