vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX in XXXX NY made a fraudulent charge of {$65.00} on my Bank of America credit card. 

I discussed the charge with XXXX XXXX XXXX, but they did not reverse. 

The charge was disputed with Bank of America but they refused to remove the charge.

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 2024-03-26 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: NV

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: OH

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. 

Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-03-26 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: OH

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. 

Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-03-26 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: FL

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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and list of Inquiries. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: FL

Complaint narrative:
Declined XXXX, previously paid to merchant for several transactions, now determined as a Potential RISK of XXXX. I contacted XXXX XXXX to confirm the payment was legitimate. The payment was still declined and not honord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX a letter was sent to me that outlined what M & T Bank described as an Escrow Shortage which would amount to me paying almost an additional {$500.00} in my Mortgage payment. 

From looking over the paperwork nothing made sense. All of my payments from when I purchased the home have consistently been paid in full and on time. I could not understand how there would be a shortage in the escrow if all payments have been made. 

I reached out to speak with them about it approximately XXXX XXXXXXXX XXXX  to get an understanding as to why I was being charged this huge amount. Their response was " It is based on an increase in your insurance. '' When they told me it doubled, I factored that in and my insurance would then have an increase of approximately {$100.00} a month, and not {$500.00}. After telling them this they said they would research it and put me on hold for a very long time. I could not wait so let them know I would not be paying what I considered to be an over-inflated increase. 

I called their automated system to make a partial payment on XX/XX/XXXX but the system would not allow me to complete the transaction. I then called that Monday on XX/XX/XXXX and was told that they would not accept Partial payments. After letting them know the increase I was being charged was far more than the increase in my Homeowner Insurance, they then told me it was based on Projections. 

I then wrote a Notice of Error Letter to them on XX/XX/XXXX and received a letter from them stating they will get back to me in 30 days, possibly 45. 

As of today, they are still not allowing me to make a Partial Payment. They do have a line for XXXXXXXX XXXX XXXX that I called XX/XX/XXXXXXXX XXXX XXXX XXXX, but after waiting 18 minutes, the phone system transferred to a department that could not help me with it. The rep. I spoke with told me she would transfer me to the line that offered assistance, but I told her I just called that number. She claimed the line rolled over to her 's. I told her I was tired of holding and she said I would not have to, transferred me, and I was put on hold again. 

I can not afford this Mortgage. It is not what I signed up for.

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 2024-03-26 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: CT

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-03-26 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: CA

Complaint narrative:
To whom this may concern, This account was charged off on the following date for TransUnion XX/XX/XXXX. XXXX has a date of XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on TransUnion and XXXX with the date of last active XX/XX/XXXX. Since then, the account has repeatedly been updating as a charge off. This reflects as update on this account. A charged off account should not include updated history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights as a consume. Im demanding a deletion of the following accounts. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
there is too many late payments on the account from previous dates which I talked several times to XXXX XXXX about this payments that was made and some fees that they was supposed to adjust and when I paid they mark it late, some of the late marks are not for the actual payments they are for late fees which they were supposed to be removed and they didn't and I end up paying. As of today the account is current with no balance owed. I have XXXX late marks from XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX of XXXX. 
This is XXXX late marks which hurts my credit really bad and I can't get any loans or get a new car. 
My credit report with all the other creditors a re perfect and never had such issue. 
I really need help with this. 
ThAnk you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
The amount shown is doubled than what I borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.

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 2024-03-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I have numerous complaints regarding this loan servicer. 

1. They have been increasing the interest rate quarterly since XX/XX/XXXX, and I contacted them on XXXX XX/XX/XXXX to ask why my payment increased. They have not given any notice of interest rate increases since this date and my montly payment has increased from {$210.00} per month to now {$460.00} since this date. I'm being charged roughly {$330.00} in interest per month ( now 11.91 % ) and my balance has not fallen under {$37000.00} for years. I've had to take forbearance for a time, which I know did affect this- but I had to take forbearance because I could not afford the increasing payment and they will not work with me on creating a more affordable payment program. I don't think I'll ever get ahead on this loan because the interest is unreasonable! I've contacted them many times- XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All attempts to lower monthly payments/ make my payments better count towards my principle balance because I have XXXX federal loans on top of this one. I entered repayment on this loan in XXXX with a XXXX balance - I now owe XXXX. That's with a mostly consistent repayment- with a few forbearances due to XXXX/work changes. I don't think this student loan will ever be paid off because they keep raising interest rates on a quarterly basis. Which is something the bank employee did not prepare myself or my co-borrower for when we met with them in person. I've been told that I should refinance and then told separately that I do not qualify for refinancing. There is zero help offered to borrowers here. 

XXXX. Both myself and my co-borrower, XXXX XXXX, have noticed that this loan is showing as settled/closed on our credit reports and negatively affecting our scores. As I have never settled this loan and as I have also been making on-time payments since coming out of XXXX XXXX  XXXX XXXX XXXX XXXX is obviously not a closed account. 
My credit report is showing that the account was closed in XX/XX/XXXX and has not updated with my on time payments from XXXX and XXXX. The comment line on this entry on my report reads : " Account closed at credit grantor 's request. '' As I graduated in XXXX and am still in repayment- this should not be showing as a closed account in XXXX as I " separated '' from the school in XXXX. And further- we should be told if something is going to affect our credit scores YEARS after separating from said school. No need to harp on how important credit scores are to those attempting to rent, buy a car, buy a home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

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 2024-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. Equitable refusing to dispute the unauthorized information on my report. They violated the 15 U.S. Code 1679c - Disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern, This account was charged off on the following date for XXXX XX/XX/XXXX. Experian has a date of XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on XXXX and Experian with the date of last active XX/XX/XXXX. Since then, the account has repeatedly been updating as a charge off. This reflects as update on this account. A charged off account should not include updated history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights as a consume. Im demanding a deletion of the following accounts. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : 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