vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: OR

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

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 2024-12-26 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: OR

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

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 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX visited branch in XXXX MO and was assisted by manager and associate. Conference call with BOA Corporate to request Notarized Lien Release. Corporate said it would take 7-10 days to mail the document ( unable to email ... could fax, but I didn't have a fax # ). 
I waited additional days accounting for the holiday but the letter never arrived. 
Called in and spoke to XXXX ( have case # ) and she indicated she could email the document ( which the prior associate said they couldn't ). Email was received but was simply a letter and not a Notarized letter. ( fail ) XXXX I called in again and spoke to XXXX and provided a fax number to send the notarized Lien Release to. XXXX indicated it would be 2-4 hours to receive the fax. Fax arrived as Cover Letter ONLY, no Lien Release was included. 
XXXX I called in again and spoke to XXXX ( have case # ) and explained a third time that I needed a Notarized Lien Release and provided fax number. XXXX indicated it would take 2-4 hours to receive the fax ( nothing ever received ). 
XXXX I also informed the same branch manager ( in person ) that I worked with on XXXX that I was still needing the same document. 
XXXX I called a fifth time and spoke to XXXX and was then told it would take 7-10 days for them to generate the Notarized Lien Release and fax it. I escalated to her manager XXXX and he informed me of the same. I informed XXXX I was going to file a formal complaint because this was ongoing since XXXX to XXXX and still unresolved. He was not able to do anything additional so I ended the call and called back to the XXXX number to file a formal complaint where they simply told me the same as what XXXX and XXXX told me. 

There are major process and procedural issues with this bank. They give different answers each time and they say the prior person was incorrect. They are not able to actually " do '' anything about anything other than say they submitted the request and to wait another 7-10 days. 

I have also filed the same complaint with the XXXX XXXX XXXX and will be following up with state regulator as well. 

It is completely unacceptable for a bank of this size to require 7-10 days to generate a document and fax it ... and to then repeat that same 7-10 day process each time I call in for the exact same request. For comparison, I contacted another lender the exact same day and they printed, notarized and mailed the document to me within 4-5 days. 
- 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 2024-12-27 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: GA

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX 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 2024-12-27 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: GA

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
I received a letter in the mail dated XX/XX/16 stating I had a debt that needed to be resolved from my former apartment complex. This was due to a dispute about a termination fee after I moved out following the complex not fixing an immediate hazard/safety issue. I called the debt collector and they were immediately aggressive and upset. Frustrated I didn't answer previous phone calls and made that I was trying to dispute the charge. I had to speak to several people with most calls ending in them hanging up on me after making claims about things I said which I disagreed with and did not say. 
They then started claiming I was " gaslighting them '' and threatened to make it so I would " never be able to rent again '' and that they were going to " mess up my credit ''. 
They also claimed that I was refusing to resolve the debt despite me being on the phone with them. They also started refusing my calls and I had to call them the last time from an alternative line which they answered immediately. My original phone line they put on hold endlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
noticed a fraudulent XXXX charge for {$510.00} on my Ally checking account on XX/XX/XXXX. This charge was not authorized by me, i have no idea who made it or what was purchased. Although the transaction was made through XXXX, it was NOT made through any XXXX account owned by me. Someone must have obtained my debit card info and made the purchase on their own account. I immediately tried to dispute the transaction with Ally, but I was told I needed to wait for it to post since it was still pending. I.e., I had to allow the criminal to finish stealing my money before Ally would try to do anything about it. After the fraudulent transaction posted, I formally filed a dispute. I was told it would take XXXX business days to reach a result. I also contacted XXXX, who refused to provide any information on who made the transaction or what they purchased, even though they obviously have this information in their records. On XX/XX/XXXX, I received notification from Ally that my dispute has been denied. After an hour on the phone they have refused to provide any reasonable explanation for why their investigation sided with the criminal, or even what the investigation entailed. Essentially, Ally and XXXX are both blaming each other and doing nothing to solve the problem. I have now received another letter on XX/XX/year> saying they have determined that the transaction was authorized and correct, which is absolutely is not. Additionally : because my XXXX credit card payment bounced due to this issue, i was also charged a {$30.00} check fee to add insult to injury. I have now been waiting XXXX entire months to get my stolen funds returned to me with no help. Please actually force them to give me my funds. This has been absolutely absurd.

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 2024-12-26 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: CA

Complaint narrative:
EQUIFAX IS SHOWING XXXX ON MY ANNUAL CREDIT REPORT XXXX THERE IS NO XXXX PAYMENTS BEING MADE ON THIS XXXX ACCOUNT. 
THESE IDIOTS ARE COMMITTTING FRAUDELENT REPORTING WITH XXXX. 

THIS IS NOT TRUE AT ALL THIS ACCOUNT IS CLOSED! 

THIS IS LIKE MY 50TH COMPLAINT AND EQUIFAX IS NOT GETTING ANY PROOF THEY ARE JUST GOING BY WHAT XXXX XXXX IS TELLING THEM! 

I WANT PROOF OF THESE PAYMENTS FROM XXXX TO XXXX SHOWING THE AMOUNT OF XXXX I NEED CHECKING ACCOUNT RECEIPTS, DEBIT CARD RECEIPTS OR ANY TYPE OF RECEIPTS. 

IN ADDITION PROOF THAT THIS ACCOUNT IS STILL OPEN. THIS ACCOUNT IS CLOSED!

IN ADDITION, SHOWINT 10 MISSED PAYMENTS OUT BY TIME AND THE MISSED PAYMENTS IS FRAUDELENT ALSO. 

THIS IF FRAUD! AND EQUIFAX DOES NOTHING ABOUT IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 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 2024-12-27 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: DC

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

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 2024-12-27 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: DC

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

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 2024-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: State Home Mortgage
State: GA

Complaint narrative:
I filed for a deferment on the mortgage and was approved. The company continued to report late payments although the deferment was set with the company and I completed all necessary paperwork. I sold the home on XXXX and a wire was sent to payoff the full balance. The company reported a late payment for the month of XXXX because their accounting department did not payoff the loan. State Home reported another late payment and did not close the loan. They found payment on XXXX. This has caused me to be denied for an apartment because the mortgage is in arrears. 

State Home Mortgage Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Default Payment -? balance XXXX on account XXXX Dear CFPB I am writing to request your help in relation to my Credit Report. There has been a wrong information put on my credit file by XXXX. The have reported a default payment as describe below. 

Account Number or other information to identify account : balance XXXX on account XXXX dated XXXX XX/XX/XXXX Explanation of item being disputed : o The XXXX report shows I currently owe money to XXXX telephone company that I have already repaid. I am attaching 24 month bank statement with highlithed direct debit payments that have regularly been made to XXXX. I bought a phone contract from XXXX in XXXX and a direct debit was set up from my husbands account and regular payments were made but XXXX has incorrectly reported as default payment o I have sent emails to Experian XXXX XXXX back in early XXXX and I still have not received any support from Experience o I am attaching 24 bank statements, credit report and some additional documentation o I have been in contact with XXXX since XX/XX/XXXX with the XXXX company but they have not rectified the information. 
o Im currently buying a house and this incorrect default payment has been affecting my credit negatively and as a result I have been given offerd a 6.64 % interest rate. 
o I have also raised a complaint with XXXX but with no response/resolution. 

Can I kindly request you to help me in this matter so I do get justice. Im sure XXXX has breached my customer rights. 
Thank you for your assistance. 
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 explanation