vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: NJ

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 XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-09-14 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:
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. 




BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2024-09-14 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: Possible Financial Inc
State: CA

Complaint narrative:
POSSIBLE FINANCE ACCT # XXXX BALANCE {$58.00} ACCORDING TO THE IRS THIS ACCOUNT IS CHARGE OFF WHICH IS NOW CONSIDERED INCOME AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED ON YOUR CONSUMER REPORT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I had just purchased a vehicle and I was pressured into the purchase from the beginning. It was the first time I had been to a dealership, alone to purchase a vehicle and I ended up with a terrible loan. I was unaware and ultimately attempted to return the vehicle but it was too late. Anyhow, I made payments and, even when I was unable to make payments in full. I made multiple small payments. I was never informed that my vehicle would be repossessed. In fact, my payment history is inaccurate on all three reports. I wa forced to file XXXX XXXX as a result. My vehicle was repossessed literally days after BMW FINANCIAL processed an {$800.00} payment, yet they held it and pretended as though it didnt exist. By this time I thought the car was stolen, called XXXX then realized what had happened and I couldnt get the vehicle or my belongings back because of the cost. I contacted BMW financial and said I had not been as far behind, that my payments were inaccurate and that they were holding an {$800.00} payment, not applying it to my account even though it had cleared. Ultimately, I was sent the money back over a month later. They refused to work with me. I have provided proof of this payment via refund, which never reflected on my payment history. I insisted it be applied to my balanced owed, but then they would be admitting to have wrongfully towing my vehicle without notice and while taking payments and not reporting accurately to the credit reporting agencies. All three bureaus have different information, and I have requested it be accurate many times. It is reflecting as though I was much further behind than I was and if they wanted me to make good on the loan, would they not take any amount of money they had already processed? Instead, they wrote it off with insurance and it was sold off at auction. I had incredibly expensive bourbon in the trunk of my car- I was a manager at XXXX and had over {$1500.00} iXXXX XXXX XXXX alone. The repo company said there was nothing in the car. Not even my clothes or personal belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}

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 2024-09-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}

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 2024-09-14 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: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX ACCT # XXXX CBE GROUP ACCT # XXXX According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
XX/XX/XXXX I contacted my loan servicer Edfinancial Services about an email I received from the Department of Education ( XX/XX/XXXX ) stating my school was a fraud it violated many laws and my loans were to be discharged and a refund would be given to me for every dime I paid towards these loans the representative I spoke with stated she didnt see anything if something changed she would let me know XX/XX/XXXX I call again same thing no update I check my account no update I call every week until XX/XX/XXXX I check my fasfa and my loan balance says {$0.00} ok I call the borrowers defense to confirm my refund they tell me to contact Edfinancial as they issue the refund checks I call Edfinancial and they point me back to the borrowers defense department Ive been doing the same exact thing every week now its XX/XX/XXXX I have paid {$3500.00} actually was taken out of my taxes ( wages garnished ) towards these fraudulent accounts Im asking where is my refund?? Ive waited the 3 months Edfinancial claims it takes Im really not receiving any help from either department when my hard earned working money was wrongfully taken from me I have proof of any documentation needed Im asking can anyone help me contact Edfinancial, the department of treasury about issuing me my check please???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CA

Complaint narrative:
I had just purchased a vehicle and I was pressured into the purchase from the beginning. It was the first time I had been to a dealership, alone to purchase a vehicle and I ended up with a terrible loan. I was unaware and ultimately attempted to return the vehicle but it was too late. Anyhow, I made payments and, even when I was unable to make payments in full. I made multiple small payments. I was never informed that my vehicle would be repossessed. In fact, my payment history is inaccurate on all three reports. I wa forced to file XXXX XXXX as a result. My vehicle was repossessed literally days after XXXX XXXX processed an {$800.00} payment, yet they held it and pretended as though it didnt exist. By this time I thought the car was stolen, called XXXX then realized what had happened and I couldnt get the vehicle or my belongings back because of the cost. I contacted XXXX XXXX and said I had not been as far behind, that my payments were inaccurate and that they were holding an {$800.00} payment, not applying it to my account even though it had cleared. Ultimately, I was sent the money back over a month later. They refused to work with me. I have provided proof of this payment via refund, which never reflected on my payment history. I insisted it be applied to my balanced owed, but then they would be admitting to have wrongfully towing my vehicle without notice and while taking payments and not reporting accurately to the credit reporting agencies. All three bureaus have different information, and I have requested it be accurate many times. It is reflecting as though I was much further behind than I was and if they wanted me to make good on the loan, would they not take any amount of money they had already processed? Instead, they wrote it off with insurance and it was sold off at auction. I had incredibly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was a manager at XXXX and had over {$1500.00} in XXXX XXXX alone. The repo company said there was nothing in the car. Not even my clothes or personal belongings.

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 2024-09-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB THIS IS THE 2ND TIME EQUIFAX HAS DELETED A POSITIVE ACCOUNT FROM MY CREDIT REPORT ALSO IM ATTACHING AN FTC REPORT MISUSE OF MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT AS WELL AS SCREENSHOTS WHERE THEY DELETED IT ON XX/XX/year>. IM ALSO SENDING THIS TO EQUIFAX 'S LEGAL DEPARTMENT AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB THIS IS THE 2ND TIME EQUIFAX HAS DELETED A POSITIVE ACCOUNT FROM MY CREDIT REPORT ALSO IM ATTACHING AN FTC REPORT MISUSE OF MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT AS WELL AS SCREENSHOTS WHERE THEY DELETED IT ON XX/XX/2024. IM ALSO SENDING THIS TO EQUIFAX 'S LEGAL DEPARTMENT AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX Igot a loan from Wells Fargo forXXXX to buy a XXXX XXXX  mobile home .I put up XXXX XXXX  of land to get the loan Every thing way escrowed in to one payment. The bank took care of everything. 
I was a first time buyer I did not check anything just tried to make the payments. 
As time when on every year Imy payment would go up I never made a inc, claim. 
I had a hard time from the begaining got behind a lot in XXXX I got what I thought was a loan modification but it was a a loan forbearance In XXXX Wells Fargo sold my loan to XXXX XXXX XXXX bank. 
In XXXX I got behind and my house when in to foreclosure I sold it for XXXX  the pay off was XXXX after 17 year of paying on a XXXX loan I still owed XXXX but at closing I only got XXXX they said I owed well forgo XXXX dollar I checked in to this and in my closing paper in XXXX the mobile home is stated to be a stick built home on solid foundation!! And on the XXXX paper that is what it inc. for after 15 years I changed inc. got it for XXXX a year the year before it was XXXX a year I got a check XX/XX/XXXX for XXXX wells forgo it didnt not say why my loan number was 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 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The final ledger for my apartment provided to COLUMBIA DEBT RECOVERY LLC DBA GENESIS by XXXX XXXX XXXX XXXX is wrong. When I stayed there XXXX XXXX was responsible for the full rent every month. Not only have they reported a balance of XXXX, they have started adding interest, Its affecting my credit score and preventing me from getting approved for other properties because its showing on my credit report. I contested and been dealing with this issue since I moved out in XXXX. Since XXXX XXXX no longer manages the property they stated its out of their hands and genesis wont remove it without XXXX say so. I believe the property manager XXXX XXXX created this issue as a form of retaliation due to me threatening to expose him for XXXX harassment because while I was a resident he sent me XXXX XXXX XXXX XXXXd turned him down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In the month of XX/XX/XXXX I opened a 0 % credit card with Bank of America. All went exceptionally well leading up to XX/XX/XXXX when the bank closed my account based upon errors on their end, my end and XXXXXXXX XXXX who is my personal banking company. My balance on the card was about {$2800.00} out of an available balance of {$6700.00} shortly before the time it was closed. This was nothing out of the ordinary being that I have spent upwards of {$34000.00} on that card since opening it and have paid it all back and payments being early at that. Here is the bulk of what happened. I went to make a payment on my phone which was my statement balance of {$710.00}. I proceeded to make the payment and did not receive any confirmation. In fear of it not going through, I made it a second time in which I then received confirmation. I come to find out the next day that both payments went through. I was not prepared to make a {$1400.00} payment so I contacted my bank to see if they could reverse one of the payments so they receive {$710.00}. That did not happen as planned. XXXX refunded them both payments and now BOA was saying I did not make a payment and my payment was overdue. In a hurry I made a minimum payment on my app, and shortly after called the bank to tell them it was an error reversing both payments and Id like to make the {$710.00} payment I originally had planned for. The customer service agent gladly did that and prorated the second charge since I already paid {$92.00} to make them both total {$710.00}. At this point I am assuming all is well. I go to use the card and it doesnt work. I contact customer service and they basically say there is nothing they can do about it. I think find an email the next day saying we closed your account which in the terms of the next agent describes as a business decision. What kind of business cancels a loyal client that has never missed a payment?

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 2024-09-14 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief