vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
This account was charged off on the following date : XXXX XXXX  CHARGE OFF. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights AND HAVE COST ME CONSIDERABLE AMOUNTS IN CREDIT APPROVALS. I am demanding a DELETION of the following accounts : Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CA

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 2024-08-27 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: CA

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against [ EQUIFAX ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX fin Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Hello, I currently have two open accounts with the Department of Education showing up on my credit report. I have never received a student loan. I did qualify and receive a pel grant ( I believe is what it's called ) back in 2012 when I was at XXXX XXXX XXXX, however the accounts showing up on my credit report are showing as opened in XXXX have contacted the Dept of Edu and they are saying that the two accounts in question don't exist on their end. They have told me the only thing I can do is " file a complaint '' on StudentAid.Gov webiste, however I have tried many times, only for it to tell me they can't take my feedback due to " technical issues '' as soon as I hit submit, every single time. I have a case number with them ( XXXX # XXXX ) I am currently working on my credit and these are accounts that don't exist and are affecting my score. I am hoping to get these removed. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Obtained the loan in XX/XX/year> with a coborrower. At the time, the interest rate was 12.79 %. Was told I could always refinance the loan at a later date to reduce the interest rate. I have called twice in the last year to do that, and was told that since there is a co-borrower, this loan is ineligible to ever be refinanced with Sofi. Then I explained that I would be losing my job and that I need better repayment options. After an " eligibility check '' I was unqualified for any kind of forbearance or assistance with the monthly payments of this loan, even though I told them I was unable to pay the current monthly payment and I was trying to get ahead of any issues. I was told there was absolutely nothing they could do, especially since my loan was current. I was misled into getting this loan, to consolidate other debts, and told I could refinance, when that was not the case at all. I have reviewed my loan documents and there is NO language present regarding ineligibility of the loan to be refinanced with a co-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I went to the XXXX Massachusetts BoA branch today and still was offered no resolution to claim XXXX. 

The bank sent a check to my landlord XXXX which bounced. The bank then began sending a series of checks to my landlord which never arrived. 

The bank took {$1400.00} from me XX/XX/year> and still REFUSES to return my funds. 

The bill pay department responsible for issuing checks refuses to return the funds to me and continued to issue new checks in my name without my authorization or even notification. 

Today I received a notice to quit because the bank never sent any funds to my landlord. The bank REFUSES to provide any evidence that they sent payment. They refuse to return the money calling it the " banks money '' when it's clear by looking at the statement that money is XXXX. 


The bank NEVER had any authority to issue more checks in MY 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 2024-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Financial Services, LLC
State: MO

Complaint narrative:
I've requested all documents from the collections agency that was sent from the XXXX provider validating that I owe a debt. What I received was an XXXXXXXX XXXX  with a list of charges. I contacted the collection agency and explained that I requested a summary of charges billed and payments received from my insurance company which shows I have an amount left over to be billed. The collection agency confirmed they have no explanation of benefits any proof of bills or services. All they were sent was the XXXX without any other information. I was told that they don't have any proof of a debt other than taking the XXXX  office word for it. I have requested a copy of the explanation of benefits as well from my XXXX office. As of date I have not received any billing proof from them either. I have been incorrectly charged due to poor billing practices at the XXXX   office. There is fraudulent billing being performed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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.

Complaint narrative:
To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
For years I have had an account with Swiss Colony, Ginny 's, and 7th Avenue, who all operate within the parent company Colony Brands, owned by the XXXX XXXX I have maintained an excellent pay history with all 3 of these companies until I fell seriously ill in XXXXXXXX XXXX. I was hospitalized and spent several days in the XXXX for a XXXX XXXX XXXXXXXX. Since I only have XXXX XXXX, with no Supplement, I found myself owing major medical bills, which put me in a dire financial state. I began in XXXX trying to inform these companies of my plight and trying to find out if I could be placed on a hardship program within their company. I call each month. I tell my story over and over again. I am always placed on hold with a promise that I am being transferred to someone who can help me. The same thing happens every single time. I hold for sometimes close to an hour and I never reach a party who has the authority to help me, even after being told to ask for their XXXX XXXX. I am XXXX XXXX XXXX and I live on XXXX XXXX only. I am making an effort to pay my bills but I need help. I don't have the physical strength to keep holding for hours and yet never reach anyone, even after being promised I was being transferred to someone who could help me. Their 7th Ave. company even told me I had placed a Cease and Desist on my account, which I do not remember doing, and they could not talk to me until I sent them a letter. I am at a loss as to what my options are because no one will talk to me. This is extremely poor handling of a heretofore great customer!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/year> i received a call from Macy 's stating that i was past due on my account, which was incorrect. When talking with the rep she noted that i had made a transaction on XX/XX/year> for XXXX, which was the day that the statement was generated and issued for the month and due as of XX/XX/year>. Because i had a prior balance of XXXX on the account i didn't get a statement for the month and that in essence the charge that was done that day was showing improperly as past due. The same day i paid the balance of the account to the rep over the phone and she agreed that she would waive the late charge and fix the credit report for the negative entry. In XXXX, i noticed that my credit score had been marked as me being 30 days late and impacted negatively. I called back to Macy 's in regards to the issue, and talked to their customer service department to address the issue and explained the prior conversation with their reps, and what had happened. That unit said that they would have to put in a Request to research and fix the issue, and that the rep that i talked to originally didn't put in the necessary updates to fix it. After a couple of heated exchanges and multiple requests to be escalated to someone that could fix the concern they submitted the request to fix. As of today i received a notice from them refusing to fix the issue even though they had already agreed to do so and saw where i was in-fact never sent the billing statement. I have never been late with Macy 's neither do i hold balances with them, and because i don't keep balances i don't have a regular billing cycle to know when dates are due. It's ridiculous that after so many years of being a customer with stellar history that i can receive this kind of treatment and they not address it properly. I attached a copy of the statement that they are showing online that was never received the due date is XX/XX/year> it couldn't possibly be 30 days past due if i paid on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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