vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I haven't been able to get my credit report with TransUnion and XXXX for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.

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 2024-02-03 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: SUN LOAN COMPANY INC.
State: CT

Complaint narrative:
I had an inquiry on my credit report that showed in the fall approx XXXX from Sun loan and tax service. I called them and they said since i did not live in Texas or any state they do business in that it was obviously an error and I should not be concerned. XXXX XXXX received an alert from XXXX of a delinquent account and I contacted the /Sun loan company spoke to XXXX XXXX. She asked me to submit in writing or email the dispute. I did but have not heard anything else. At this time I put in Dispute with XXXX and froze my three credit bureaus and ( XXXX I filed a dispute the following week ) Today I was alerted that XXXX verified the account as correct and it is absolutely not! 
According to my report it was originally for {$1700.00} and now is up to {$2600.00}. 
I have had outstanding credit for many years and I would not risk my credit for this tiny amount of monies. I have worked hard for my credit! XXXX needs to fix this. Sun Loan needs to fix this. If Sun loan is doing people 's loans and taxes they should be more diligent in who they give money to and verify the persons identity!!!

I also contacted Sun loan again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
My husband and I have a business checking account with Square and while we were at our place of business, funds were being taken out of our account. The notifications said that my husbands card was being used but it was still in his pocket in his wallet. I made a police report and the police did nothing. I have security camera recordings from that day, showing us at our business at the time the transactions happened. It took 3 days for Square to tell me that my disputes were settled and in the favor of the merchant ( XXXX XXXX  ), and they said my husband was the one who made the transactions. Nobody tried to help us. I called Square and they transferred me 7 times! They told me the same thing every time. My disputes were settled and they couldnt tell me anything more than it was my fault. They wouldnt provide the evidence supporting their decision. My business is just starting so funds are still low. I dont know what else I can do to get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I tried making a payment on my XXXX account with Comenity. I keep getting a message that a payment has already been applied and that I need to check scheduled payments. But there are no scheduled payments. I really just want to make my payment so I dont get hit by late fees and all that. 
I tried sending Comenity a secure message on their website and it didnt go through. I am hard of hearing and thats one of the very few options for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I requested to have my XXXX with Coinbase sent to another wallet. A 3 day delay was initiated unless ID was verified for an immediate send. I complied even though I have had transactions with this company for several years. I sent my DL and selfie both via their web interface and app as requested. Both image files and live camera shots were sent. I was told on 3 separate occasions via the web interface that my identity had been verified. An email confirming such was never sent. The XXXX transfer remained on hold. After the 72 hour hold time had passed, it now reads on the app that the transaction is on hold until XX/XX/XXXX at XXXX via the app. The web interface says current time ( see screenshot ) This is egregious. How can a company like Coinbase be allowed to do business in this manner? They are a public company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I have no choice in allowing Equifax to collect my credit information. To manage how my information with them is used, I have created an account at my.equifax.com. However, I am unable to enable multi-factor authentication for my account with them. Their FAQ/customer support page, as of XX/XX/XXXX, does not include any information about this. Their phone support did not have any information about this. 
The only related documentation of theirs I can find related to this is a business product : https : //www.equifax.com/business/product/secure-mfa/ They should offer XXXX protection for personal accounts. Especially after their XXXX data breach. The other credit information companies XXXX XXXX and XXXX ) offer this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I submitted complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report. I would like to have this resolved immediately because i need to close on my home in less 30 days.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Couldnt pull credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
On my credit report it shows XXXX XXXX with 7 late payments. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
On my credit report it shows XXXX XXXX with XXXX late payments. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there are XXXX late payments with XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A face serum was ordered on the Merchant 's website on XX/XX/23, upon receipt of the item I used it, and found it to be ineffective and not as described by the Merchant. I contacted the Merchant and requested a refund. They asked for receipts, etc. I sent them the requested documents. The Merchant requested more redundant information on several emails, and after delaying the time frame for a refund, by continued requests, they said they could not process the return. They offered me to purchase more of their products at a discount. I said I did not want any more of their products, they can't be trusted. Then they stopped communication. I contacted the credit card company, on XX/XX/23, they ran me through a series of questions, continuous downloads to the website for " proof '' and then denied the claim, basically treating me like a liar. They refused to acknowledge all the evidence I sent them and said they would not charge back the amount to the Merchant. Any other credit card company, I have dealt with in the past, has always recognized the consumer and honored the dispute submitted above the Merchant, when the required proof was submitted. This Company is CAPITAL ONE. The representatives were very argumentative, rude and continued to deny the dispute on different grounds. I sent several submissions and uploads of documents, and spoke to them by phone, up until XX/XX/23. I showed them the false representation of the Merchant. They only repeated the same thing over and over, that I received the product. The point was NOT that I received it, but that it was NOT THE PRODUCT THAT WAS ADVERTISTED. They refused to acknowledge this or cooperate with me and denied my dispute and request for refund. I no longer use this credit card for ANYTHING. They do not support the Consumer or their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: DE

Complaint narrative:
Despite my repeated attempts to rectify inaccuracies on my credit report, I have encountered significant obstacles in obtaining resolution from TransUnion XXXX XXXX communication was XX/XX/2024. 

Upon reviewing my credit report and submitting multiple disputes regarding the accounts in question, I received a response from TransUnion stating that my dispute results the accounts were verified when in no way this is true as I still have multiple inaccuracies on my credit report. Multiple inquires have been deleted even ones attached to the accounts in question. These actions have left me in a state of frustration and uncertainty regarding the accuracy of my credit report. 

As a consumer protected under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights, including the expectation that consumer reporting agencies follow reasonable procedures to ensure the accuracy of information contained in consumer reports. Additionally, upon receiving a dispute from a consumer, agencies are mandated to conduct a reasonable reinvestigation to verify the accuracy of disputed information. It is evident that TransUnion has failed to adhere to these obligations, as the inaccuracies on my credit report persist, including erroneous personal information and employer details. 

Accounts : XXXX XXXX XXXX XXXX XXXX  These ongoing discrepancies have not only caused emotional distress but also constitute a defamation of character. As such, I demand that TransUnion promptly conduct a thorough investigation into the disputed items on my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). This investigation should involve obtaining verification of the accuracy of the information from the original sources and providing me with a written explanation of the results. 

Furthermore, I request that TransUnion take immediate action to correct any inaccuracies found during the investigation and remove frivolous accounts from my credit report. It is imperative that my credit report accurately reflects my financial standing and that I am able to access and review it without hindrance. 

I trust that TransUnion will prioritize the resolution of these matters and uphold its responsibilities under consumer protection laws.

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 2024-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
Ive told them I was going back to school in XXXX last month, XXXX and XXXX. They have been harassing me and my co-signer. I asked for a lower loan payment options they told me no. Im no longer employed they told me I didnt qualify for different loan repayments. I been unemployed since XXXX of XXXX. They have been lying to me and my co-signer with false information. Every month they tell me my loans will go into collections on the XXXX of EACH month if I do not pay. They have been calling other family members who know nothing about the loans who are ill and already dealing with stress. They told me I dont qualify for deferment plans and I must pay immediately. They are calling my XXXX  grandma after business hours. My monthly payments use to be XXXX a month now theyre telling me the lowest I have to pay is XXXX! Also everytime I pay a minimum amount via phone they still tend to harrass me, so if the minimal payment is not enough why lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I have an account with affirm that was with another collections agency that was returned back to them. I never even got to make a payment on it before it was sent back. Now its been sitting with them for months, I am hard of hearing and a XXXX veteran so once again calling on the phone does not work for me. I need a messaging service but can not get what I need to get done and they just tell me to call in. 

I am trying to figure out whats going on with this account and why hasnt it been sent to another agency like XXXX or XXXX XXXX since the other agency failed to maintain my file. 

The loan number is XXXX. 
Id like to get a payment plan set on this to get it done and over with. I will be requesting a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MD

Complaint narrative:
I received three emails from FSA stating my servicer EdFinancial has my next payment listed XX/XX/XXXX and my accounts may be in default. All my loans were consolidated and approved XX/XX/XXXX. The consolidation was completed and I received the official determination by email and U.S. Mail. Federal Student Aid website states the consolidation is still in review. I submitted complaints and contacted FSA, FSA ombudsman, EdFinancial and XXXX  to correct all information on my FSA accounts since XX/XX/XXXX. The first case was closed and FSA sent an email stating the problem was resolved but nothing on my FSA accounts reflect any changes or updates as of XX/XX/XXXX. 
I opened a second complaint attaching all emails and info to correct my account with FSA to show I have always been in good standing with my account, the consolidation info and the next payment is not due until XX/XX/XXXX. My servicer EdFinancial and XXXX have all the correct and up to date info listed accurately on my accounts within their websites showing I am in good standing and both have told me over the phone I need to contact FSA to update my account info. FSA has told me I must contact my Loan servicer to update my FSA information and I've contacted both. The only issue is with my account information being corrected on the Federal Student Aid website and they continually give me the run around and do not correct my account information. 
I am not asking for Student Aid forgiveness only that my accounts reflect the correct information so they don't inadvertently list my accounts as in default that would reflect on my credit reports. I have been paying my Student Loans since XXXX and have always paid on time.

Company response to consumer: Closed with explanation