vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX 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 2024-07-27 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: CA

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent account on my credit report. please remove these account from my report, they hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2024-07-27 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: Kikoff Inc.
State: FL

Complaint narrative:
I signed up for a credit builder loan from Kickoff. I was told that they would give me a {$2500.00} credit line and I would use less than XXXX XXXX of it to build my credit. At the end of it, I would get my money back. 

But at the end of it, the XXXX program after Kickoff took {$20.00} from my bank account every month for 12 months, I was told that I would not get my {$240.00} back because it was a subscription fee. 

I never agreed to that, and when I asked to speak with a supervisor, I got someone from a XXXX country telling me his name was XXXX, that he was a supervisor, and that I agreed to the terms. I asked that the terms that I agreed to be sent to me, nothing was sent but all the money was taken from my bank account Kickoff said that I would not get back. 

The entire team was rude and kept telling me that I agreed to pay them {$20.00} per month for a subscription fee for them to report to credit bureaus, yet my credit score is at XXXX and it never increased. 

Kickoff claimed that I was aware but I never bought anything from them and saw their service as simple as free service to build credit, never as a paid service, and never to pay them {$20.00} of my hard-earned money to give to them so they could steal it and do nothing for my credit. 
This company is a scam and a fraud, please help me to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
A XXXX XXXX was applied for and opened in my name on XX/XX/2022 with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to XXXX as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello team CFPB. I hope you are doing great! 
I am a XXXX XXXX XXXX with my money of my work and saving of my life in an account of BofA since XXXX  years ago without any problem.With an allusion to buy a house with my saving, I tried to make a transfer few days ago. First a make a transfer of {$5000.00} in order to pay the reservation of the house. XXXX days before of the sign of the contract of sale I make the final payment of the house with the remaining of the amount {$48000.00}. The bank no only doesn't allow me the final transfer but blocked my account access. I had been calling so many times to the BofA customer support and the only answers was in each opportunity : you must travel to the XXXX and go to a local BofA office with XXXX identifications.I have no visa at the moment and there is a very difficult situation in XXXX with that. Not only that, I traveled to XXXX to try to do anything to resolve this situation with any partner of the bank, but it was impossible. I suggested to travel to XXXX Bank of America office but was no a solution either. I started to make withdrawals with my card and the bank blocked in the same way, even that I took the action to call before those transactions. After so many calls, I tried to check any chance to travel with an emergency visa in the XXXX XXXX in XXXX. In order to that, they request documents like : XXXX. A letter from the bank explaining that my account is currently blocked and requires my physical presence to resolve the issue. 
XXXX. Proof of the funds currently held in the blocked account. 
It was impossible after make so many calls that BofA provider this information. They said that they can not send me that in any way. 
So, I am not saying that I don't want to travel, It is that right now I can not travel. I need to pay my house, I have a limited timeframe to finalize this transaction. I need my money for my family and I can not do anything. For humanity, can you help me with my problem? I am profoundly emotional affected.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Financial recently announced a paper statement fee of XXXX XXXX. I have always been signed up for e-statements, but they keep claiming they are unable to email me. They then revert me to paper billing and charge me the fee. Given my email address is hosted by XXXX and no one else has any issues emailing me, I find that hard to believe. As a result, I keep getting billed a fee due to their inability to fix their own email issue.

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 2024-07-27 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: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: IN

Complaint narrative:
My account with EQUIFAX 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 in ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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 explanation
Consumer complaint received 2024-07-27 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: NJ

Complaint narrative:
I've already dealt with this several times. Transunion is reporting charge off balance $ XXXX, then delinquent, then balance XXXX and then switching back and forth changing it every other week. This is a paid off settlement. I didn't pay {$10000.00} for transunion to continue to drop my scores every week.

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 2024-07-27 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: NJ

Complaint narrative:
I've already dealt with this several times. Transunion is reporting charge off balance $ XXXX, then delinquent, then balance XXXX and then switching back and forth changing it every other week. This is a paid off settlement. I didn't pay {$10000.00} for transunion to continue to drop my scores every week.

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 2024-07-27 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: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-27 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: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I was forced into XXXX  deferment XXXX XXXX XXXX due to a previous XXXX  deferment in XXXX. I did not need the XXXX  deferment because I was only attending XXXX  so I continued payments. XXXX has no record of my payments and refer me to Student Aide and they refer me back to XXXX. I have been working in the medical field since XXXX and my loan should have been discharged without XXXX inaccuracies! My original Parent Plus loan  was {$9000.00} and after 13 years Im still owning {$7500.00}. I was told to consolidate my Parent Plus loan and get on an IDR plan to receive and have my loan discharged. I did what was requested and still no loan forgiveness. I have several complaints in with Student Aide that have been either reviewed or pending since XX/XX/XXXX. XXXX does not effectively train their employees and inaccurate information is given to borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I recieved a check from my insurance company for jail damage on my truck. I was only 4.paymemts away from. Paying off my loan so thru secure messages on my account t with TD auto I asked what I needed to do to request.that the check be applied to my account to payoff my truck and to send me the proceeds. They replied and I did what they said I had to do. I waited 3 weeks and got a letter saying I had.to send.them proof of repairs to get any money back. I was not happy called.customer service got.told the same thing asked to talk to a manager. Got told that department had gone home and a manager would call me back within 24 hrs. After 48 hrs I got online and made a payment to payoff my loan. My account is closed.i called today and.got.told it would be.another 30 days before I would recieve any money due to me. They suggested I should call my insurance company and tell them I no longer have a Lien on my truck and maybe they could reissue a check. Again I asked to talk to a manager and got told it would probably be a long wait. Left my number and expect a call back???? Not the way this bank empire does business. I just want my money so I can go buy a new.vehicle. Will never do business with TD FInance again. XXXX XXXX XXXX XXXX XXXX where they treat veterans with respect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: NJ

Complaint narrative:
I looked at my XXXX 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 non-monetary relief
Consumer complaint received 2024-07-27 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: NJ

Complaint narrative:
I looked at my XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: AZ

Complaint narrative:
My autopay due date is the XXXX of each month. Both my autopay agreement and the Edfinancial website state that payments that fall on a Saturday, Sunday or XXXX will instead be drafted the NEXT business day. 

My payment date this month falls on Sunday the XXXX, yet the draft hit my bank account on Saturday the XXXX instead of Monday the XXXX which is earlier than both the companies policy AND my scheduled autopay date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Nelnet, Inc.
State: PA

Complaint narrative:
I asked this company for a investigation in that matter someone order this card of the internet and used it using my identity. I asked for a sign contract so I can compare my signature on my license to prove It wasn't me that acquired this account. I have sent certified legal documents requesting this information have yet to here anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation