vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
On XX/XX/2024, I made my monthly auto loan payment over the phone with a XXXX XXXX representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX 2024 monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by XXXX XXXX investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/2024, monthly payment. 
As a direct result of XXXX XXXX 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on XXXX, 30days late on XXXX, and 30days by {$89.00} on TransUnion. These reporting are very inaccurate and inconsistent.

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 2025-02-19 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX : {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Sofi will not realease my funds. I deposited a check into an account I hadn't used in a few years. As the check was being processed my account was flagged and later deemed to have violated a policy without being notified of what policy I had violated and that my account was being closed, those responsible for closing my account could not be reached for any information, is what i was told each time I used my only way to get any information from them. It's now been XXXX weeks since the account was scheduled to be closed and yet it's still not closed and I have been given no information on when it will be and when I will have access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I went to XXXX  XXXX XXXX and they close down my program before I even got to graduate so I didnt get none of my credits so basically it was a waste of time going then I tried to go back and for some odd reason they let me go basically kicked me out And now they want me to pay that as well when I didnt even get to be at the school

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
According to 15 U.S.C. 1681b, a consumer reporting agency may not furnish a consumer report without permissible purpose. If this account resulted from identity theft or fraudulent activity, any reporting of late payments is unlawful.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information shall not report information that it knows or has reasonable cause to believe is inaccurate. If the reported late payments are incorrect, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore : 15 U.S.C. 1666b : Creditors must apply payments promptly and accurately. Any misapplication leading to a late payment is a violation. 
15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.

15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any errors. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate. The presence of these fraudulent late payments on my report indicates a violation of this statute. 

I request the following actions : 1. A formal investigation into this identity theft claim 2. Immediate removal of the fraudulent late payments from my credit report 3. Assistance in placing fraud alerts and security measures on my credit file to prevent further unauthorized reporting 4. Written confirmation of the results of this investigation Enclosed, I have included the following documents to support my claim : A copy of my government-issued ID A copy of my credit report highlighting the fraudulent entries Any relevant supporting documentation Please process this dispute urgently, as these fraudulent late payments are damaging my creditworthiness. I appreciate your prompt attention to this matter and request a written response confirming the actions taken.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not permitted this inquiry. I did not engage with this lender on the given date.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX FEES TOTALING TO THE AMOUNT OF {$870.00} XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EVALON is my merchant credit card provider. I am just a small business owner with less than 10 employees trying to make ends meet. 

NATURE OF DISPUTE : I am ALSO ( I am not the first complaint on the BBB ) writing regarding lack of disclosure and excessive PCI-Non compliant fees that were charged onto my account automatically monthly between XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  I was not made aware that XXXX was charging an additional non-compliance fee of approximately $ XXXX {$130.00} monthly. On the statements this fee is not clearly disclosed and is labeled as " XXXX XXXX '' or " XXXX STAND '' in addition this fee is excessive to what the industry standard is for PCI compliance. I did not receive any notification of the importance of compliance, nor was disclosed any kind of fee being charged by XXXX monthly for being non compliant. As a consumer I would like for the fees to be refunded back to my account along with further transparency and disclosures on monthly statements and e-mail notifications. 

ADDITIONAL NOTE : If this PCI compliance is as important as they say, why does the company NOT notify me of becoming compliant, and just bill me? There is zero communication between me and the company regarding PCI Compliance during the time, due to the fact that I did not do their XXXX questionaire. This is clearly a way for the merchant processor make money by charging in disguised fees. The PCI compliance is not clearly disclosed and is labeled as " XXXX XXXX. '' I contacted XXXX as they refused to refund except for a 1 month. 

I contacted them XXXX XXXX, and spoke to XXXX. He advised to fill up the PCI questionaire, which I did. 
I contacted them XXXX XXXX. I was promised by " XXXX '' that their merchant statements provide this notification, which there is none.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Springs Oaks Capital keep calling me after XXXX every evening and its annoying, I always block them but they keep calling with another number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : TBOM/MILESTONE XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank claims nothing is owed to me and XXXX XXXX  its due to fraud is the reason why they cant release any funds to me and or my partner. Thats laughable and false. 

Me and partner since I have been with XXXX XXXX  and we dont have any issues with them. 
We just want clarification and clarity on this matter because its an ongoing issue and its been very difficult and frustrating to be called a fraud and treated as such. We sent documentation and affidavits and still nothing.

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 2025-02-19 00:00:00
Product: Mortgage — VA 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: Village Capital & Investment LLC
State: IA

Complaint narrative:
While attempting to do a cash-out refinance, we were approached by XXXX XXXX XXXX Through the whole refinance process it was nearly impossible to get in touch with them. And after taking a whole month to get us a simple document for us to sign, we lost our locked in mortgage rate and ended up with one a full 1 % higher. ( After having to do a loan modification later, the interest increased about 3 more points. ) The increase was caused simply due to the time it took to contact them. After we finalized the loan with them, contact remained nearly impossible, hearing back from them 3-4 weeks after we reached out. 

During a later loan modification ( mentioned above ), we were jerked around, yet again, until the interest rare was even higher. Also, during that time, they told us to not pay the mortgage as it would be taken care of. It took then 3-4 weeks again to get the mortgage documents sent for us to sign. They, then, called demanding payment of the past due before sending the documents for us to sign.

On several occasions, they have declined accepting a payment from us until they called us back, at which point they would attempt to tack on additional fees or demanding the full amount instead of accepting any kind of payment. 

This has been a painful and stressful experience that has been going on for more than the last 3 years. It has caused severe emotional and mental stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: AZ

Complaint narrative:
I use XXXX XXXX to check my credit, and I noticed that my credit score dropped significantly for no reason. I looked into it and it says that a credit line was opened under my information with XXXX, and charged a total of {$930.00}. This account was opened on XX/XX/XXXX. However I did not open this credit line. It says that it was closed on XX/XX/XXXX, and was sent to collections, which I assume is why my credit score has dropped. I have reported fraud to Transunion, and will contact XXXX and XXXX XXXX as well. But I would like to report fraud here as well, as I did not open up this line of credit, and never have had any credit line with XXXX. Thank 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX {$5700.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX$26000.00} XXXX # XXXX XXXX XXXX XXXX {$3600.00} XXXX # E00120>>>>DPT ED/XXXX XXXX {$2000.00} XXXX # XXXX XXXX  {$3100.00} XXXX # XXXX INQUIRES : XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I realized I was charged {$25.00} service fee of my " premier saving account '' ( funny enough it offers 0.01 % rate ) since XXXX 2020 automatically. When I first opened this account more than 5 years ago, I quickly realized I didn't want to keep the miniumun balance it asks because of the absurd interest rate the " savings '' account offers, and called to close it. Last time they told me to set up an automatic monthly transfer of {$25.00} from my checking account to this saving account and then I can avoid the monthly fee. I agreed back then and for a brief period of time it indeed did not charge me. But now I found it started to charge me again since XX/XX/year>2020! Conveniently the monthly fee happens to be {$25.00} so my saving account never got overdraft and I didn't realize it keeps charging me. I called their customer service and she said I didn't meet the minimum balance requirements due to new user agreement. She offered to reverse 6 monthly fee but I still got charged an astonishing {$1500.00} ( XXXX * {$25.00} ). What makes me feel worse is I was completely fooled and the whole thing is just a trap for people who didn't bother to read their XXXX " updated '' customer agreement. 

I've been with XXXX for almost 20 years and have a sizable balance with them. I genuinely feel I should have been treated more fairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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