vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: EdFinancial Services
State: MD

Complaint narrative:
Before transferring from XXXX to EdFinancial, I made a lump sum payment of {$870.00} on XX/XX/XXXX to cover payments for the entire year for my public service loan forgiveness ( PSLF ) monthly payment of {$53.00}. Despite making the lump sum payment to cover the entire year, EdFinancial is asking me to make a payment of {$53.00} on XX/XX/XXXX. I have provided and uploaded EdFinancial proof of my lump sum payment from XXXX, but the amount due has not been adjusted. 

On XX/XX/XXXX, EdFinancial 's customer service representative called me regarding my issue and told me that until XXXX fully transfers my student loan information to EdFinancial ( including proof of my lump sum payment ), I have to make this XXXX 's payment. The customer service representative also said that if I were to later submit a refund request for the payments that I believe I shouldn't have to pay, there is no timeline for when that refund would be processed. I already uploaded proof of my lump sum payment to EdFinancial through their online upload form, but the customer service representative said that the document was not enough proof. 

Please see attached my lump sum payment proof as well as a screenshot of EdFinancial 's website showing that I have an XXXX payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX Executive Vice President, Director of Servicing New American Funding, XXXX RE : Credit Reporting Dispute - XXXX XXXX 's Account Dear XXXX XXXX, I am writing regarding your letter dated XX/XX/year>, in response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of late payments on my account. 

I appreciate your effort in reviewing my account. However, your response does not adequately address my legal concerns regarding the accuracy of the information reported to the credit bureaus. 

Under 15 U.S.C. 1681s-2 ( a ), New American Funding, LLC is legally obligated not to report inaccurate information. If you, as a furnisher of information, know or have reason to believe that the information is incorrect, you must correct it immediately. Additionally, under 15 U.S.C. 1681i, upon receiving a dispute notice, you are required to conduct a thorough investigation and correct any errors within 30 days.

You assert that no errors were made in reporting my account as delinquent. However, I have no record of receiving adequate notification that would have allowed me to dispute the information before it was reported to the credit bureaus. Furthermore, the lack of response to my direct dispute in XXXX, XXXX, or XX/XX/year> is a direct violation of your obligations under 15 U.S.C. 1681s-2 ( b ).

Given that I have fulfilled all of my obligations and that your inaccurate reporting has caused significant harm to my credit rating, I demand that you : Immediately remove the incorrectly reported late payments from all credit bureaus ( XXXX, XXXX, and XXXX ) for my account. 

Provide documentary evidence that demonstrates your compliance with notification obligations and due process concerning my account. 

Update my credit report to reflect the correction of any errors and provide a confirmation letter stating that the late payments have been removed from my credit history. 

Should you fail to comply with these demands within the next 15 days, I reserve the right to pursue legal action under the Fair Credit Reporting Act ( FCRA ) to protect my rights as a consumer. 

I look forward to your prompt response to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint to express my deep frustration and anger with Chase Banks disgraceful handling of my account closure and the unjustifiable delay in returning my funds. 

In XX/XX/XXXX, Chase Bank closed both my checking and savings accounts. Despite this, nearly a year later, I am still waiting for a check of {$1400.00} from my savings account. I did receive a check for {$2300.00} for my closed checking account in XX/XX/XXXX, but this was already significantly delayed, and my remaining balance for my savings account has yet to be released or mailed out. 

I have contacted Chase at least XXXX times, each time being told that the {$1400.00} has been approved for release. Yet, here I am, nearly a year later, still waiting for MY money. This is not just an oversightits gross negligence and a blatant disregard for your customers. 

I am outraged by the utter lack of professionalism and the repeated empty promises. Chases behavior is completely unacceptable and has caused me significant distress and financial hardship. 

I demand immediate action. Chase must release the {$1400.00} without any further delays and provide compensation for the months of inconvenience, stress, and financial damage this has caused me.

I expect the Consumer Financial Protection Bureau to intervene immediately to hold Chase accountable for this egregious misconduct. I will not tolerate any more delays or excuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
Dear CFPB, I have discovered fraudulent inquiries on my credit report, specifically with Equifax. I first notified the companies involved and then filed an FTC report, which I have attached for your reference. Following this, I informed Equifax, but they have not yet taken any action to remove the fraudulent inquiries. 

This situation is causing significant damage, with losses amounting to thousands of dollars, as I am unable to get approved for credit. I urgently request your assistance in having Equifax remove these inquiries. 

Thank you for your prompt attention to this matter. 


These are the inquries XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Credit Karma, LLC
State: IL

Complaint narrative:
There was a digital xard created and compromised and used internationally I have provided poclie reprot and other evidence showing all of these transactions are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: WI

Complaint narrative:
My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in LATE 30 DAYS to be removed 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-08-19 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: FL

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a BMO checking account under an offer for {$600.00} cash bonus after making {$7500.00} in direct deposits. At no time in the signup process did BMO indicate that they were enrolling me in a different offer for only {$500.00} bonus. Recently I learned they had switched me to a different offer and they would only pay {$500.00}. 

In the meantime, I got a targeted mailer for {$600.00} bonus but was unable to use it because of already being enrolled in the {$500.00} bonus. 

BMO should be transparent with customers if they are no longer offering one amount so customers can make informed choice about which offer to enroll. This was deceptive in that customer was not informed during signup of the switched offer.

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 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have never swiped these cards nor have I ever made any of these transactions. I have spoke with LVNV/Credit Card company since the collections started coming in- it was going on for over a year of back and forth and took me 6 months to finally get someone who cared enough to get me transactions of the credit cards. Accounts : Account information for XXXX : Opened : XX/XX/XXXX Account charge off date : XX/XX/XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. Balance : {$1200.00XXXX XXXX reference ID : XXXX XXXX file no : XXXX Account information for XXXX : Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It was reported on XX/XX/XXXX I applied for or received funds in access of {$210000.00}. The date is the date I started working. This account was added after I met with and retained an attorney for a XXXX XXXX bankruptcy. My bankruptcy started XX/XX/XXXX and was discharged XX/XX/XXXX. If I had that amount of money it should have been documented in a bank account of mine and subsequently been denied a bankruptcy ; beings I only owed $ XXXX on my mortgage at that time. There is no financial aid on Gods green earth giving out $ XXXX. Maybe if you are attending law school or Doctor school which I am not. I did not apply for and never received any funding for that amount. I havent even applied for school in XXXX to the present day.

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 2024-08-19 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:
I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.

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 2024-08-19 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: NE

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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