vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
As of XX/XX/year>, I can not access my credit file with TransUnion. They have purposely restricted my access to my credit file, credit freeze, and credit monitoring services. TransUnion report they would reset my account, but nothing has changed. I am still getting a message stating " they can't access my account '' and " opps it looks like you can't access your credit file. '' This is unacceptable and the Fair Credit Report Act ( FCRA ), Public Law No. XXXX, allows me to have access to my file. This is a clear violation of my rights. In addition, they have not updated my pay-off and settlements from XXXX XXXX and XXXX XXXX XXXX I have received documents from both credit card companies reflecting that have submitted this information to TransUnion, but they have refused to update my account and provide me with an accurate credit report.

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 2024-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There should be only 4 inquires on my Equifax credit report. All other inquiries where removed due to me closing indentity fraud and placing a fraud alert on my credit reports. i recently had to lift the fraud alert in order to do business with my credit report. And all the old inquires, they had been removed for over 6 months now, all came back in one single night. The only inquires that should be on my report are these 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: MS

Complaint narrative:
Previously I disputed a fraudulent account listed as XXXX XXXX XXXX Equifax and the account was deleted. I called Equifax and the representative stated that the account had already been removed from my report. Confirmation number : XXXX Equifax Report Request on XX/XX/XXXX Today the account mysteriously appears again. I know it is against the consumer reporting law to re-list an account that has been removed for over 30 days. The account was initially deleted in XXXX. I have a recent report where the account was not listed. Which Equifax should be able to review as well. This account is fraudulent. The address reported does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: NV

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 2024-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have two consolidated loans for XXXX and one for XXXX I didn't apply for loans nor did I do a consolidation of my loans in XXXX XXXX XXXX I have been going back n forth with Nelnet and my school about this as I believe that their is fraud going on with regards to my school which is too XXXX  The director of financial aide has accepted my loans for me and also has applied for deferments without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Texas Guaranteed
State: TX

Complaint narrative:
I got my tax return intercepted by this loan company or federal loan. I was not aware of their attempt to collect a debt from me. I was unaware of this debt and didn't have the prior oppurtunity to dispute its validity. 
Furthermore, I did not receive any proper notification regarding this debt. If you believe proper notification was attempted, I request that you send me a copy of the certified letter containing my name and signature as proof of receipt. Also the original loan note/contract signed. Not sure what year they are saying I was loaned money or from what school. Additionally, I am concerned about the legality of your actions. The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection from furnishing negative information to credit reporting agencies without providing all required disclosures by law. Specifically, you may be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I am aware the money was taken and paid a debt that is on my report. I need the information from this debt and its validity. Also, it is showing Collection for XXXX and XX/XX/year>. How is this even possible when it should show or report 30 day, then 60 day late, then 90 day then 120 days late. How is this even legal in reporting??? I have tried and tried to contact them directly, and through XXXX and other credit reporting agencies. So I am assuming I need to go to CFPB to get this done. Or next step I will have to look into. This has been harming my credit report for years. Where I can not get a loan, it is doing major damage. It is the ONLY negative item on my report. Becauase I was not aware of this. And how this looked at my employer from garnishing wages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
Please provide proof that this payment was late or remove any negative association from my report. I have no recollection of this account ever being late. I would appreciate it if you would remove it from my report or show it as " Paid in Full, Never Late '' because this payment was never late and that is what is showing on my credit monitoring yet this account is incorrectly being shown else where. 

By provisions of 15 US sections 1681i of the Fair Credit Reporting Act, these items need to be investigated for accuracy, completeness and completely. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of the payment history. Failing that, please update the record to show PAID IN FULL, NEVER LATE, or delete the item from the report as soon as possible. The circled items are completely inaccurate and incomplete, and are a very serious error in reporting. Please update or delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Also, pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness for Account Name : XXXX Account Number : 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed that my credit report is showing a bankruptcy that, according to my information, has already been discharged. Additionally, the filing and closure dates differ between the different credit bureaus, which has caused me great concern and difficulties in my financial dealings. 

Specifically, the erroneous information is found in the XXXX report and does not match what is reported in TransUnion and XXXX. I request that this situation be investigated and that this bankruptcy report be removed from my credit report as soon as possible. 

Federal ( Reference Number:XXXX ) U.S. Bankruptcy Court ( Reference Number:XXXX US BKPT CT TX XXXX XXXX ( Reference Number:XXXX  ) This situation clearly violates 15 USC 1681 Section 604 ( a ) Section 2, so its removal must be a priority.

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 2024-07-27 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 noticed that my credit report is showing a bankruptcy that, according to my information, has already been discharged. Additionally, the filing and closure dates differ between the different credit bureaus, which has caused me great concern and difficulties in my financial dealings. 

Specifically, the erroneous information is found in the XXXX report and does not match what is reported in XXXX and Experian. I request that this situation be investigated and that this bankruptcy report be removed from my credit report as soon as possible. 

Federal ( Reference NumberXXXX ) U.S. Bankruptcy Court ( Reference NumberXXXX US BKPT CT TX XXXX XXXX ( Reference NumberXXXX ) This situation clearly violates 15 USC 1681 Section 604 ( a ) Section 2, so its removal must be a priority.

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 2024-07-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never received a card from bank of America for Edd during pandemic. I just was made aware of this as I began to tackle my taxes I've been ill for several years and am just starting to attempt to catch up. I just found out XXXX  were dispersed to my account. I have filed a police report and fraud with edd. I have begun the claim process. Spending hours on phone in bank. They have said XXXX days to process claim. Before I get a approval or denial. I believe I qualify for a provisional credit. That must be paid within 10 days. 
I was without these funds for years when I should have had them but for BofA negligence and unethical practices which deprived me of some days even the ability to eat. I should not have to wait a moment longer. Or at least not an additional 90 days. Please help me recover my funds expeditiously. I lost my motorhome during these months. My home was taken. If I had had my edd money I could have still been in my home. BofA and their carelessness and lack of security cost me greatly. Thank you for your help in advance.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> while making a purchase through PayPal Checkout I was prompted with a promotional message saying " Get {$50.00} if approved for the PayPal Cashback Mastercard Credit Card '' I went ahead and hit " Apply '' and was approved for the card PayPal Cashback Mastercard Credit Card on XX/XX/year>. 

I have talked to several PayPal customer service agents, and going back and forth between different departments, however they are unable to find any information regarding the {$50.00} promotion for getting approved for PayPal Mastercard credit card, and informed me that such a bonus does not exist, or are unaware of such promotion.

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX  XXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX  XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]

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 2024-07-27 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX XXXXXXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX  XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Sir, Madam, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX XXXX XXXX 

This charge-off is inaccurately reported because the status update and the status of the charge-off do not correspond and are contradictory. Specifically, the charge-off status was recorded in XX/XX/XXXX, while the status was updated in XX/XX/XXXX. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Creditor : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Status Update : XX/XX/XXXX Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely, [ Your Name ]

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> while making a purchase through PayPal Checkout I was prompted with a promotional message saying " Get {$50.00} if approved for the PayPal XXXX XXXX Credit Card '' I went ahead and hit " Apply '' and was approved for the card PayPal XXXX XXXX Credit Card on XX/XX/year>. I have talked to several PayPal customer service agents, and going back and forth between different departments, however they are unable to find any information regarding the {$50.00} promotion for getting approved for PayPal XXXX credit card, and informed me that such a bonus does not exist, or are unaware of such promotion.

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