vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: PA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.

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 2024-01-03 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: PA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.

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 2024-01-03 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: VA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-03 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: Armada Corp.
State: NV

Complaint narrative:
There is a XXXXXXXX bill that was suppose to be paid by insurance. It was billed incorrectly by the quick care and only they could re bill the insurance using the correct codes. 

However the XXXX  bill is under {$500.00} and should not appear on my credit at all. 

I have poky ed this but and they continue to report it monthly and its an unfair charge to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My bank information was on a XXXX XXXX and my XXXX account was logged into by someone and they stole my money The security team told me that they can see that it did not happen on my device but they cant tell me who did the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear truist, I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the handling of a dispute I filed concerning a recent transaction. 

On XX/XX/23, I initiated a dispute with your bank regarding a purchase I made. I clearly communicated that I did not receive the item as described, and it was missing essential parts. To my dismay, it appears my concerns fell on deaf ears, as I received a letter advising me to wait until the package arrives before disputing the transaction. 

In an attempt to rectify the situation, I promptly called your customer service line to clarify that I had indeed received the package but that it did not contain the expected contents. During this call, I spoke with a lady from XXXX who acknowledged the mistake made by her colleague and assured me that she would take care of the issue. 

Regrettably, despite her assurances, no action has been taken to address the missing parts, and the matter remains unresolved. This has led to significant inconvenience and frustration on my part, as I am left with an incomplete item that does not serve its intended purpose. 

I understand that mistakes can happen, but the lack of follow-through and resolution after acknowledging the error is disheartening. I am exhausted from going round and round in this process without a tangible solution. 

I implore you to expedite the resolution of this matter and ensure that the missing parts are shipped to me at the earliest convenience. I believe a prompt and effective resolution is crucial in maintaining the trust and satisfaction of your customers. 

If necessary, I am prepared to escalate this matter further, including seeking assistance from relevant regulatory bodies. However, I sincerely hope it does not come to that and that your bank can swiftly address and rectify this situation. 

I appreciate your immediate attention to this matter and look forward to a resolution. 

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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
My mortgage is with BSI Financial. I had set up auto-pay for bi-weekly payments over the summer. I was unemployed and had a couple of late payments and NSFs. In XXXX of XXXX, I was able to pay the bi-weekly auto-payments again ( became employed ). My second auto-payment was not applied to the month. 

Again, in XXXX of XXXX my auto-payments were not applied and I was charged a late fee. On XXXX XXXX I tried to re-set up my auto-payments and BSI 's system was down/ 'system error '. 

Today, XX/XX/XXXX I went to re-set up my bi-weekly, auto-payments and just paid the first of 2 payments ( {$1500.00} ). I am being charged a late fee since it is after the first. 

I am hoping BSIs system will apply this payment and the second payment for the month. I have called and there is NEVER a person to talk to. I have emailed through their site several times and have not gotten a call or email back. 
( Previously, a customer service rep called me back and left me a voicemail while I was at work and I could NOT call them back ). 


This is VERY FRUSTRATING and I am trying to repair my credit history and keep up on my payments. I NEED to talk with someone to straighten this out. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has really become the all time worst bank in history! More returned funds have been done foolishly - and haphazardly - causing so many financial problems.and ironically, deposits- as in this case- were made within 48 hours to bring the account current! 
Bank of America lies ALL the time and pretends like they honor customer longevity but THEY DO NOT. 
They dont even allow debit card transactions to approve if the transaction is only one cent over an account balance! Ironically, they have a section that alludes to bank discretion- but it NEVER occurs. 
Not to mention, if Bank of America had any type of sophisticated financial computer system they would calculate the logistics of an individuals account management and would do much better -toward reversal on their horrible customer service reputation! 
AGAIN they have sent back my insurance premium to XXXX XXXX ( {$99.00} / XX/XX/2024 ) - causing me to lapse my insurance coverage - which Bank of America doesnt care.and a deposit was made ON THE SAME DAY to offset my balance! 
This has to stop or the CFPB, FDIC, FTC, SEC. and all other financial services must lodge a class action lawsuit against Bank of America!

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 2024-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SoLo Funds Inc.
State: IA

Complaint narrative:
i received a payday loan of {$40.00}. thing happened and i am going to be a week behind paying it back. They began calling my job yesterday which i advised them it was a business line and to not contact that number asking to provide a different number for them to call. The woman i spoke to " XXXX '' was told that she was calling a business phone and proceeded to tell me it didnt matter when i asked her to not call this phone number because it was a general line to my employer. Today she just called again and luckily i answered today instead of somebody else because she didnt even ask if i was XXXX or not and i never identified myself when i answered the phone however she proceeded to just start talking about who i owe, how much i owe and the fact i missed a payment. She could have been talking to anybody and she didnt care what she disclosed. I once again today advised her this was a business line and to stop calling it and she basically told me she would not and then hung up on me. She then emailed me to which i once again told her this was a business line and not to call it and that i had already asked her not to call it including the fact that she did not even identify who she was speaking with before disclosing my personal information on what she already knew was a business line. i advised her i would be taking care of it still but that i would also be reporting her to you guys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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:
XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). These accounts I am demanding your PROOF, you legally HAVE to provide to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. You have failed to provide any PROOF of validation to me. Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am again reporting my deep dissatisfaction with the ongoing disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute attempts, it appears that my concerns have been ignored, and the reported violations persist. This dispute serves as a formal dispute and reiteration of my rights under the FCRA. 
Unauthorized Disclosure of Information : Under 15 USC 1681b, consumer reporting agencies are required to furnish consumer reports only under specific circumstances and with the written instructions of the consumer to whom they relate. I have consistently communicated my explicit denial of consent for the disclosure of my private information to third-party agencies. It is disconcerting that this violation persists. 

Failure to Provide Opt-Out Information : According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable. 
Inaccurate Reporting and Lack of Verification : Section 1681s-2 ( A ) ( 1 ) A of the FCRA mandates that information furnished to consumer reporting agencies must be accurate. I have previously disputed inaccuracies in my credit report, yet these discrepancies persist without proper investigation or correction. This is a clear violation of my rights.

Noncompliance with FCRA Sections 1681c and 1681e : Consumer reporting agencies are obligated to maintain reasonable procedures designed to avoid violations of FCRA sections 1681c and 1681e. The failure to do so, as evident in the persistence of inaccurate information and the lack of response to previous disputes, is a direct violation of the law. 
I hereby request the following actions : Immediate cessation of any further disclosure of my personal information without my explicit, written consent. 
A thorough investigation into the circumstances surrounding the unauthorized disclosure, inaccuracies, and lack of compliance with FCRA regulations. 
Prompt removal of any inaccurate information and a comprehensive report detailing the corrective measures taken to prevent similar incidents in the future. 

I expect a written response within a reasonable time frame of 14 days detailing the actions taken to address the violations mentioned above. Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights. 

Your cooperation in rectifying these issues is crucial to upholding the principles of the FCRA and ensuring the accuracy and privacy of consumer credit information. I trust that immediate attention will be given 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
Under the FTC law and my report filed these 2 inquiries need to be removed from my report. I " am now seeking damages of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the FTC law and my report filed these 2 inquiries need to be removed from my report. I " am now seeking damages of {$1000.00}

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 2024-01-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX. i do not have a contract with LVNV FUNDING LLC. they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Legal Group, P.C.
State: OH

Complaint narrative:
Well I signed with consumer legal group to fix my debt. Because on the phone with them they told me everything I wanted to hear not everything they were really about. They said I wouldn't have to do or even worry about anything it's on all on them now. I just make my payments they will get my payments to the bank and in 3 years debt free and credit back to normal in one year from signing day. I'm thinking this is great. Then I get a call from XXXX which explained how consumer really operates. And they told me how consumer don't make payments to anyone they just hold the money and whelp in my case keep it. Cause I was told by XXXX to request a refund from consumer and by law. So I was gon na take that refund and give it to XXXX to fix my credit. Consumer denied my refund. So XXXX gave me your info to file this. Basically consumer is lying to people. And when they have u sign the agreement they dont give u time to look it over to catch them in all their lies it sign this sign that send it right back ro me ill wait. Is what they say.Can u please help. All I is a refund

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: AL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-03 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: PA

Complaint narrative:
I have not gotten a response from the credit furnisher to my previous documents that I submitted to them.

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 2024-01-03 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: PA

Complaint narrative:
I have not gotten a response from the credit furnisher to my previous documents that I submitted to them.

Company response to consumer: Closed with non-monetary relief