vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXXXXXX XXXX has stated again that the information on my account # XXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than XXXX times the price of the insurance that I pay for the property. I want XXXXXXXX XXXX to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in 2020, that the insurance was paid every 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to submit a formal complaint against Transunion located in XXXX XXXX XXXX. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I have contact the credit viewers and contact the creditors to take off these major accounts and they agreed to pay a settlement on the each account and they still reported on my credit report and that's illegal against the law

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
XXXX XXXX XXXX {$580.00} {$610.00} {$690.00} {$1200.00} XXXX XXXX XXXX {$900.00} {$920.00} {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX. 
{$3600.00} I am requesting these items be removed from my account immediately. My legal name is XXXX XXXX. I have asked for a validation/signature for accounts and none was provided and I requesting this items to be removed 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My funds from HAF are not being applied accurately and on time by my mortgage servicing company SPS. My account is being assessed late fees and put in delinquency when HAF has been making the payments on time and I have verified with them going back 6 months. SPS will not provide information to me and only suggests I contact OMBUDSMAN department where I have left several messages and received no reply. They never answer the phone. This is a misuse of government assistance and gross negligence bordering on theft and fraud on the part of SPS. I implore their company and its financial handling of government funds be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Investigating my credit report i found that my report was being blocked... i initially thought that maybe i did it by accident so i contacted equifax and asked it to be removed ... after further investigation i have found that it was updated from fraud alert to being blocked for promotional purposes... now understanding that equifax has deciding to illegally place a freeze on my credit report with the intent to prevent proper use and growth of my credit... this has prevented me from refinancing my home and numerous credit accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XX/XX/XXXX I was alerted by text message of a an unauthorized purchase on my credit card for {$3900.00}. I immediately called in the fraud to the bank as it was occurring. To my utter shock and surprise, I received a letter dated XX/XX/XXXX from the bank citing a merchant claims I received good and services. This is completely false, never made the purchase, never heard of the merchant, never received goods, products or services. 

On XX/XX/XXXX I visited the local bank branch in person. I met with a representative. He called the fraud dept and together we spoke with their fraud rep. They indicated there reopening the case. I outlined all of the investigation they ought to be doing to make this right. They admitted they did not do a complete investigation citing lack of resources to investigate every situation. 

I left that office on same day had local sheriffs dept at my home. I filed a report, they had actually body cam etc. I provided all of the documents to the sheriff. Then, I provided by email the police report #, to the local bank branch. 

On XX/XX/XXXX I received a letter from bank citing the same erroneous decision. Note : their letter was dated only 5 days after I visited the local branch. So, no addl investigation was ever done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 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: MI

Complaint narrative:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-16 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: LA

Complaint narrative:
I wrote a letter to Trans Union because they are reporting a XXXX off with XXXX Bank AND a recent late payments. So every month that my report is generated, it shows a late payment to them although the account is charged-off. IT IS NOT POSSIBLE TO CONTINUE TO BE LATE AND THE ACCOUNT IS CHARGED OFF. 

I recognize that the account has been charge-off due to non-payment. However, the lender nor creditor can indicate recent late payments when the account is inactive.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
This account is many years old. I attempted to contact XXXX to get details on how to get the account removed from my credit profile and I was told that XXXX does not handle the removal of accounts on credit reports, just updating the account status, which I find strange since it's being reported on all three credit reports.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear CFPB, I recently received a copy of my (, XXXX, XXXX Transunion, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, Transunion, XXXX, They reported my account as LATE in the month of XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Names of the accounts : XXXX XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance! 

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a 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. 

I need the above transactions deleted from my consumer reports! 

Best Regards 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 2023-11-16 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: PA

Complaint narrative:
Dear CFPB, I recently received a copy of my (, Equifax, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; Equifax, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( XXXX ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a 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. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: PA

Complaint narrative:
Dear CFPB, I recently received a copy of my (, XXXX, Experian XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, Experian, They reported my account as LATE in the month of XX/XX/2023 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a 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. 

I need the above transactions deleted from my consumer reports! 

Best Regards 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX were deleted from my Trans Union credit report due to HIPAA violation in XX/XX/XXXX. Both collections were reinserted in XX/XX/XXXX. Trans Union did not notify me with a 5 Day reinsertion letter which is an FCRA violation. I sent a certified letter to Trans Union on XX/XX/XXXX which they have not responded and both accounts have been reinserted as collections.

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 2023-11-16 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:
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 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Nelnet has fraudulently manipulated its payment system to unjustly enrich themselves by deferring payments to the borrower 's principal. For months, they have been rejecting my online payments. I spoke to them earlier and they claimed that it was my bank cancelling the payment, or perhaps incorrect info. My bank confirmed no transaction attempts were made by nelnet on those dates which i will detail below. I provided my bank account # s correctly to nelnet via their online portal. I confirmed that the numbers are correct and in fact one successful payment was made using the same account # s via my nelnet online portal. I attempted to make payments on : XX/XX/XXXX for {$1700.00} XX/XX/XXXX for {$800.00} XX/XX/XXXX for XXXX All were rejected. 

I spoke to XXXX at nelnet at XXXX today XX/XX/XXXX calling from my phone number. She stated that nelnet would not remit any interest accrued. I believe they intentionally fail to collect payment so that the principal will remain higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX, I purchased two air conditioners from XXXX. XXXX. These air conditioners were purchased under a promotional time period, no interest until XXXX of XXXX. As of XX/XX/XXXX, by balance was almost below {$400.00}. When the promotional period was over, I was charged and interest fee of {$1600.00}. This brought my bill back up to over {$1000.00}. 
I was under the impression that interest would resume on the current balance due at the end of the promotion. Instead, they charged me with two years of back interest.

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 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hi we purchased XXXX  for our house. The salesman came to the house. He measured and told us what we needed. We agreed and the salesman offered interest free payments. We signed up and they installed the XXXX. The installers were sloppy and drove in our yard. But the boss sent another team to fix things, clean up, etc. 

So we made our payments. We checked on line to see when we were done making payments. We found our that our balance went from XXXX XXXX to XXXX XXXX. When I called they told me the interest free time period had expired. The new rate is XXXX percent. I asked how that could happen. We didnt pay enough in the first XXXX months to pay off the loan We need help in resolving this. I guess we were too naive and trusted the salesman.

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