vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: TX

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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am writing to express my concern regarding the incorrect information provided by the company. Despite making payments, including XXXX on XX/XX/XXXX for {$25.00}, my account was reported as late. This is unacceptable and requires further investigation. Additionally, there was an issue with the XXXX holding my mail on XX/XX/XXXX. As a result, payments made on XX/XX/XXXX for {$180.00} and XX/XX/XXXX for {$180.00} were sent to the wrong credit card. Although I was informed that the issue was resolved and the payments were redirected to the correct account on XX/XX/XXXX, I kindly request a thorough investigation into this matter. Thank you for your attention to this issue. I appreciate your prompt response and resolution. I've sent XXXX attachments with the confirmation number please help me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
I have submitted my PSLF forms since XX/XX/year> when I hit XXXX payments. After making the final XXXX payment on XX/XX/year> I faxed XXXX of the forms initially because my employer is not able to use the online tool. I waited and called and requested updates during this time and was repeatedly told that they 1. Couldn't find the fax 2. Couldn't tell me if they received the fax 3. A combination of both. On XX/XX/XXXX, I filed a complaint Case # : XXXX. I received a standard boilerplate response that was a non answer and replied to that email without a response. I continued to update my forms and found a way to upload the file on their website in XX/XX/year>. They apparently did not receive this form and I was given the same reply about how they could not look it up or find it. Again in XXXX I submitted the form and this time on XX/XX/year> I received an email stating " XXXX! Your XXXX document was uploaded. '' I again submitted a complaint Case # : XXXX and still have not received a response to that. I received an email " XXXX needed for your XXXX form '' on XX/XX/year> - there was no information on the website. On XX/XX/year> I received an email " Public Service Loan Forgiveness ( PSLF ) [ Case # : XXXX ] '' that noted my XXXX application had a status of " closed incomplete. '' There was no further information available on the website. I called again on XX/XX/year> and was finally informed that they were not able to open my XXXX form or that it was not readable. So, I printed it, rescanned it and uploaded it again on XX/XX/year> and received an email " XXXX! Your XXXX document was uploaded. '' Again I called to follow up today XX/XX/year> and was told they can not tell me if they have actually received this form, if there are any issues with opening/reading it. So again I submitted the same form on XX/XX/year> with the same response email " XXXX! Your XXXX document was uploaded. '' I called again on XX/XX/year> when I received an update that showed my counts were still incorrect at XXXX counts. This time they told me that because I submitted it in XXXX that it was not correct and that the document probably did not upload even though I got an email that said success the same as the other times. They told me to go and do the same thing under XXXX XXXX and log into my account and then search for XXXX upload document and go to the first link and proceed through there to upload the document. I did so and received the same email again regarding " XXXX! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau Name : Transunion Bureau Address : Transunion Consumer Solutions XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Sir/Madam , I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXXXXXX XXXX  I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. 
I appreciate your time and consideration in this matter and look forward to receiving a positive response. 
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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. Agape Advocating Consulting is an accredited NGO authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA XXXX by delaying the process of blocking information within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX. The company bank then sold to XXXX XXXX XXXX so it started showing up as XXXX different names on my credit report but the same account. When I went into default, both accounts which are the same accounts starting with XXXX were reporting negatively ( there should only be XXXX account collectively, not XXXX ). On XX/XX/year>, I paid the balance to Midland Credit Management to have the account shown as paid and in good standing. XXXX did report this, but the initial XXXX  account is still showing potentially negative and not paid. These XXXX accounts are the same account and either the XXXX  one needs to be removed completely off of all three credit bureaus or it needs to be reported as the same information as the XXXX XXXX. Under the FCRA, there should be accurate information and since they have been reporting this after disputing with the credit bureaus for the last year, they need to remove the XXXX account XXXX is negative off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NJ

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 2024-09-25 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: GA

Complaint narrative:
i did a pre approval with gravity autos in XX/XX/year> and the representative kept running my credit without consent thru the end of XXXX. i have a freeze on my credit so he kept running it to get an approval without my consent. he was later fired from the company as stated by XXXX XXXX when contacted about the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
i did a pre approval with XXXX XXXX in XX/XX/year> and the representative kept running my credit without consent thru the end of XXXX. i have a freeze on my credit so he kept running it to get an approval without my consent. he was later fired from the company as stated by XXXX XXXX when contacted about the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We have an equity loan with XXXX XXXX that was started in XXXX on XXXX XXXX and it was sold to SLS shortly afterwards. The loan was supposed to mature to convert to principle and interest in XXXX, however there was a modification on the loan in XXXX which transferred XXXX to the end of the loan and a adjusted payment. The draw ended and in XXXX SLS STARTED TO SEND US NOTICES THAT THE PAYMNET FOR THE AMOUNT OWED WAS GOING TO CHANGE TO XXXX A MONTH to include principal and interest in XXXX XXXX. They sent this starting in XX/XX/XXXX, and every XXXX months afterwards to show us the amount base on the balance. In XXXX the last SLS notice was sent to say in XXXX payments will increase to XXXX since the draw has ended. In XXXX notice came that Shellpoint will be the new servicing company. First payment to Shellpoint was the XXXX for XXXX. In XXXX without notice on a new bill the amount increase to XXXX without notice and or communication. We call Shellpoint numerous times they cant give us an amortization schedule they cant get us a a reason for the increase. at XXXX interest rate which the rate is variable and will go down, XXXX at XXXX for 20 years loan will be paid off. We don't know how they came to XXXX, it would appear they are given us 9 years, based on this the amount will be paid in this time frame but they said 20 years from draw ... at XXXX that will be over the amount owed. This is ridiculous and when were were getting notice for XXXX yr of what the payment would be and planned but no NOTICE no communication and they admitted they did not communicate, they just said pay this on the next statement. This need to be corrected and what was expected and possibly lowered. This has caused great stress and will affect credit. XXXX do not have and extra XXXX a month out of no where to pay. We always pay before the next payment is due is way you see the late fee of XXXX we pay that as well. We have not been 30 days late. The modification change our payment and we will be paid in XXXX yr with this loan or soon with he interest rate or lower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$740.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax 15 U.S.C , 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-09-25 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$83.00} XX/XX/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 Experian, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX - XX/XX/XXXX XXXX XXXX5 U.S.C , 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX  are still not working. This is even after receiving email from XXXX XXXX that first XXXX card are now active. These cards are still getting declined. I either need these XXXX cards replaced or a check for these cards. 

Please send to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Attaching documentation including receipts. id, proof of address sent via email already XXXX XXXX  at XXXX are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

Company response to consumer: Closed with non-monetary relief