vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: CT

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ATTYGENERL Account Number : 1122 Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: OR

Complaint narrative:
I have continually had issues with my payment 's going through Ed Financial 's online system. I have repeatedly had to delete and reset my bank account info for an ACH transaction. After I reset their system accepts one or two payments and then starts sending me notices that the bank returned my payment. This happened through the entire pandemic, and is now happening again that I am in a repayment. Most recently I received the attached letter for my XXXX payment. They accepted my XXXX payment on XX/XX/ using the exact same bank info. The only solution they had for me was to call to make payments via debit card each month. Issue with that is they have long wait times and a call back can take up to 24 hours. Their system is jenky and their customer service is unhelpful. There isn't really anything the company can do to resolve this. I would have my loan paid off by now had their system functioned and accepted payments. I just want to make other consumers aware to not use them as a lending institution they will make your life cumbersome to scam you out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX IS A THIRD PARTNER COMPANY WHO REPORTS BANKRUPTCIES ON BEHALF OF XXXX. THEY DID NOT GET MY PERMISSION TO PURCHASE ANY OF MY INFORMATION. NDER THE FCRA THEY VIOLATED MY RIGHTS TO PRIVACY. UNDER 15 usc 1681b ( aN ) 2 ). No consent to furnish any information. 15USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Public records is NEVER validated by the Recorder of Deds nor the U.S. court system due to FCRA Privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: MO

Complaint narrative:
Literally within seconds Experian closed another while still working on another complaint, THIS IS CRIMINAL because how can you closed complaints while working on others and THERE THE SAME EXACT ISSUE now you truly can se its a computer sending these because there responses are completely idiotic AND HAVE ABSOLUTELY NOTHING TO DO WITH THE PROBLEM

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: WA

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company.

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
I opened an account with Fortiva Retail Credit inXX/XX/2023 with an original purchase of {$13000.00}. My first statement closing date was XX/XX/XXXX and I set up automatic payments. Fortiva immediately had trouble pulling the autopay and the first payment I made on XX/XX/XXXX got reversed on the XXXX. I didnt know about it for a few days after that so I made another payment manually on XX/XX/XXXX for {$1200.00}. That payment posted correctly, but then they drafted {$1200.00} again on XX/XX/XXXX. I complained about the double payment and asked them to refund the second payment but they refused to do so. That second payment should have been applied to the statement date ending XX/XX/XXXX but they didnt apply it correctly, so then they send out a XX/XX/XXXX statement charging me a {$30.00} late fee plus interest. 
I complained about the late fee and interest and they agreed to refund the late fee but they didnt refund the interest charge. I made a {$1200.00} payment manually on XX/XX/XXXX but then they autodrafted it two more times that month for another {$2400.00} which they refused to refund, so the XX/XX/XXXX statement shows three separate {$1200.00} payments when I only made one. 
Then they sent out the XX/XX/XXXX statement showing my {$1200.00} payment on XX/XX/XXXX but they still charged a {$41.00} late fee plus additional interest. 
I have four billing statements in front of me, showing payment due dates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each month a single {$1200.00} payment was supposed to have been made, so I should have made {$4800.00} in payments so far. But because of Fortivas incompetency with processing autodrafts and their refusal to fix problems that they created, they have now charged me {$7200.00} in payments over that time period and theyve charged me a {$41.00} late fee plus {$0.00} interest. 
Their payment processing system intentionally drags out the posting process to trigger a late fee. I scheduled my XXXX payment on XX/XX/XXXX and the email I received from them shows it would be applied by XX/XX/XXXX. The statement they sent me for that month shows they didnt actually post it until XX/XX/XXXX, which triggered a late fee. 
The same thing happened the month before. I scheduled my XXXX payment on XX/XX/XXXX ; the email from them says it would be applied by XX/XX/XXXX ; they didnt post it until XX/XX/XXXX. 
This company is scamming customers and providing lousy customer service in response to issues they cause. 
I will get this account paid off as soon as possible so I never have to deal with them again, but I want their treatment of my account and others like it investigated. Their business practices are shady and underhanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I opened an account with CapitalOne with the promise of a {$350.00} sign on bonus if I made two deposits of {$250.00} each from a bank unrelated to CapitalOne. I transferred two {$250.00} deposits from my XXXX XXXX account. 

CapitalOne has changed the terms of the agreement to state that the funds must come from a payroll deduction or from Social Security. 

I contacted Capital One and there is nothing they are willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is the third time me requesting to have a pin number for all 3 credit bureaus I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told by a Bank of America branch in XXXX, NY that I could deposit a international check. 

I made the deposit on XX/XX/XXXX and by XX/XX/XXXX I was deposited on my account an amount way over the amount that the check had. 
I went to the branch and spoke with an account specialist and she contacted somebody else in the bank by phone and that person said they were going to substract the money and just deposit what I was supposed to get. To this date ( XXXX XXXX, XXXX ) I havent receive my money nor the check. All they send me was a copy of the original check I deposited. At this point I dont know if my honesty ended up with them stealing for me, I dont want their money, all I want is my money, I have principles and thats why I went to the bank because they deposited 3 times the amount I was supposed to get.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX  Experian received a consumer complaint about XXXX XXXX  XXXX  debt being reported, Experian failed to investigate My consumer complaint. XXXX XXXX  has not sent any Information validating the alleged debt. Please see the failure to investigate the Experian credit report dated XX/XX/

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 2024-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
We have used the XXXX credit card acct for almost 20 years and we have recd no distributions nor any response from the company. We only have {$2500.00} in the account and have no way to access the acct nor been able to contact anyone from the company. We have been dealing with this issue for over a year.

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 2024-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Unlicensed Debt Collection by Spring Oaks Capital LLC i wish to report Spring Oaks Capital LLC 's unauthorized debt collection attempts within XXXX XXXX 

- On XXXX Spring Oaks Capital LLC attempted to collect a debt from me. 
- Investigation revealed that Spring Oaks Capital LLC lacks the required licensing to collect debts in New Jersey. 
- Despite lacking proper authorization, Spring Oaks Capital LLC continued their collection efforts. 
- I formally lodged a complaint with the Consumer Financial Protection Bureau, providing evidence of their unlicensed status and continued collection attempts. 

I urge the Consumer Financial Protection Bureau to investigate Spring Oaks Capital LLC 's unlicensed debt collection activities and enforce regulations to protect consumers from such unauthorized practices. 

i would like {$1000.00} per violation to the address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX  across TransUnion , XXXX, and XXXX XXXX without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( TransUnion & XXXX ), XX/XX/2023 ( XXXX ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey , yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by TransUnion, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.

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 2024-01-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  XXXX XXXX randomly shut off my access to this account and requested a copy of my ID to verify my identity. I sent them a copy of my ID, but they then closed my account. I had a XXXX balance when I last had access to the card. I do not recognize the balance they are reporting nor have I ever been late on a payment on this account. They are reporting me 60 days past due and decimating my credit score and report. They are unwilling to work with me and I have no other recourse to get this negative and false reporting removed.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number  : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it 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