vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am filing this complaint against National Credit Systems , Inc. regarding the alleged debt of {$6700.00} ( Account Number : XXXX ), originally with XXXX XXXX XXXXXXXX XXXX I have sent a debt validation and cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), asking for detailed validation of the debt, including itemized statements, audit trails, and any agreements obligating me to pay this debt. National Credit Systems has not provided the requested documentation, and they continue to report this unvalidated debt to XXXX, XXXX, and XXXX. National Credit Systems has not provided any supporting documentation for the alleged debt, including how the {$6700.00} balance was calculated. I have requested they cease all communication and delete the tradeline from all credit reporting agencies, but they continue to report the debt, which has caused damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Called on XX/XX/XXXX at around XXXXXXXX XXXX XXXX - {$XXXX} charged to my account- I inquired with Bank Of America what the " Other Advances Fee '' is because there are no details about what this fee is for. It was explained to me by Bank Of America that part of this fee was due to Bank Of America visting my house to verify that me and my family were still living in our house during our hardship. Both me and my wife were unemployed in XXXX of XXXX and spoke with XXXX XXXX what programs if any are available to help us during this hardship. When speaking to Bank Of America there was no mention about these anciliary fees. Additionally we were reported negatively in XX/XX/XXXX while in this program. I requested to waive this fee as well as assist with the negative reporting to the XXXX XXXX 's since we were in contact with Bank Of America about our situation. There was no communication during any of our calls that we would be charged extra fees for entering into a program with them. I was also unaware that we would be reported negatively since we spoke to Bank of American as long as we were in their hardship program.

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 2024-09-06 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX 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 of 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 2024-09-06 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX 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 of 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 2024-09-06 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-06 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: GA

Complaint narrative:
They REFUSE to remove fraudulent accounts that HAVE BEEN REMOVED FROM OTHER BUREAUS ALREADY! They are violating my rights and hurting my ability to obtain credit by not removing these accounts.

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 2024-09-06 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Im writing this email in hopes to get some assistance with a confusing issue of which I have not had much luck with a solution. I have all of the documents that shed light on the issue. This is in regards to a XX/XX/XXXX tap to pay on my Venmo business account, yes I used my own credit card to do it. I tapped to pay my own credit card on my own Venmo business account as a form of cash advance. 

Please see that the transaction in question from XX/XX/XXXX is still currently in a pending status on Venmo 's end as a suspicious transaction and never went through on Venmo 's side. However it did go through on the banks side. 

You can see on the attached banking statements that the charge posted from XX/XX/XXXX. 

I never received the money, so I filed a dispute. A temporary credit was issued by my bank. 

When I called Venmo for an update, they advised me to drop the dispute so they can further look into the actual XX/XX/XXXX transaction in question. 

Then when the dispute was settled in my Venmo accounts favor it was added back to the bank statement. 

My Venmo account went negative due to the dispute. However, the transaction in question never actually processed, or at least I never received that money on Venmo- which is the main issue ( because my account was instantly banned after this XX/XX/XXXX transaction, it stayed in a pending state ) Due to the chargeback team pulling money from my account from the dispute, it made my negative {$2400.00}. So when Venmo credited me the money after the dispute was settled, they brought my account up to {$0.00}, however it should be {$2400.00} Using your own credit card as a form of cash advance may seem weird, or fraudulent, but there is nothing against it in the Venmo XXXX. It has less fees then a cash advance and is just a smarter way to get around fees. 

Ive done it before multiple times without issue before this. No disputes ever had to be filed - I Had to in this situation. 

I am not trying to take money from Venmo. I am not trying to scam anybody out of anything. I am simply out {$2400.00} and would like some help so I can be made whole. It is a slightly confusing case where I have made little progress and have gotten frustrated at times. Please do not simply look at my case and throw it away without doing a proper investigation. This has been ongoing since XX/XX/XXXX. 

A few key points to remember : 1. Yes I know the dispute was settled and handled through the bank 2. The heart of the issue is the XX/XX/XXXX transaction. The money never came to me. It was always stuck in a pending status which set off the domino effect. Start with step 1 - how could this transaction possibly have been disputed, if this transaction technically never went through on Venmo. You can not reconcile those 2 things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Lender is Santander Bank. Account no. XXXX. 

Each time I make a Principal Only payment, Santander applies approx. 10 % of that payment to interest. These are principal only payments in addition to my monthly payment. When I called Santander Bank, it stated it was unable to apply principal-only payments to the debt. 

MOST IMPORTANTLY, Santander Bank refuses to send me a copy of the Loan Agreement. On or about XXXX XXXX, I requested a paper copy, which I was told was sent through the mail, but it never arrived. 

On XXXX XXXX, I requested a copy of the Loan Agreement a second time and escalated the request to a supervisor. The supervisor sent the attached XXXX  via email. As you can see, it is conveniently scrambled and unreadable. Santander Bank owes me a copy of my Loan Agreement and I'm forced to file this complaint to force compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: VA

Complaint narrative:
These XXXX  loan accounts are reporting negative when it was clear that I paid them look at my previous payment history an correct it back to its original reporting if you are unable to do that remove accounts below there will be attached a complaint regarding these inaccuracies if you don't want to be held accountable for {$1000.00} per violation update them { US DEPT ED } Please block inaccurate information if your unable to update correctly remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2024-09-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-06 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-06 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: Experian Information Solutions 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 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
i filed disputes with XXXX XXXX XXXX XXXX disputing incorrect address for Launch Servicing, XXXX, XXXX XXXX billing. That addresss are not on my reports and is not mine ; XXXX XXXX XXXX closed my account without investigating fraudulent activities and gave me no reason. My rights under FCRA 15 U.S.C. 1681 and FCRA 605B have been violated and due to the recent breach of XXXX and XXXX to which I am a victim of fraud and having been scammed. I have a right to have my credit report corrected and erroneous items deleted. My rights have been violaterd when collection amounts are shown. The accounts that have been charged off should be removed and should show no balances as these companies have already been paid. XXXX and XXXX and XXXX have severely harmed me by the breach and incorrect information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-06 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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