vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt 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 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my ( Experian, XXXX, and XXXX ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt 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 2023-10-22 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: Self Financial Inc.
State: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: PA

Complaint narrative:
Edfinancial Services is trying to collect payment on loans that are in the borrower defense that are supposed to be discharge. I received a letter stating loans from XXXX University are being cancel. XXXX XXXX for XXXX XXXX XXXX XXXX are being discharged as well. I asked the company to provide the new total amount to me, which the company has not. I'm also in school and is not required to pay any loans because of it. 

In XXXX  I consolidated the XXXX XXXX XXXX XXXX. The total loan amount was added up wrong. I filed complaint after compliant with no resolution. The unsubsidized amount should have been {$14000.00} the balance is showing {$16000.00}. {$2400.00} was added to my loan amount and that wasn't interest. Subsidized loan amount should have been {$9100.00} and they have {$8100.00}, {$1000.00} was not added. I consolidated again in XXXX still not aware the loan amount was not corrected {$12000.00} for subsidized was added and {$6000.00} for unsubsidized loan. subsidized should total up to {$22000.00} plus {$1700.00} interest and {$600.00} in interest should be added {$20000.00} for unsubsidized. the balance are incorrect and wrong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debois, Inc.
State: OH

Complaint narrative:
I am not a cobuyer on this account but they are reporting this in my credit. I have called to find out how and why they just tell me they have this and I'm on it but have not provided me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit Union took my membership deposit after closing my account without warning me to give me the chance to withdraw my funds. After calling them, I learned that Suncoast charged me my membership deposit and any remaining funds as a fee. Suncoast never properly informed me that my account will close and take possession of my funds. I requested a refund but it was declined. My fianc had a similar issue with them at the same time and she was granted a refund. I believe Suncoast discriminated against me in retaliation because I am a former employee of Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: TX

Complaint narrative:
Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, Transunion, and XXXX that a thorough reinvestigation into these accounts is imperative. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late 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 non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, XXXX, and Equifax that a thorough reinvestigation into these accounts is imperative. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so

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 2023-10-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so

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 2023-10-22 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: MN

Complaint narrative:
XX/XX/XXXX I received a scam phone call from Bank of America-at the time I felt it was them as I questioned them about my account and this person knew everything-they even had changed my password. They knew the purchases I had made. I confirmed my last few digits of my card which at that time I felt weird. I hung up and called Bank of America immediately. I told them this person seems to have everything-access to my account ( which at the time I had already gone in and changed my password twice ) I knew they had all my account information and I TOLD BOA that. The lady issued me a new card and canceled my old one. Hindsight I don't know why she didn't freeze my account. 
XX/XX/XXXX I saw a charge for a direct deposit or cash advance and I called. Again, I went through what happened and that I knew my account had been compromised. She assured me that she also saw the transaction and that it is being denied. I again told her I thought their accounts have been hacked as well because this person had EVERYTHING of mine and I did not give them access to my account. I did confirm my last 6 digits. 
Again, she assured me that they are on it and that my account is secure. 
I believe I called a couple times that day. XX/XX/XXXX, {$14000.00} deposit was accepted. Again, I called about this. They told me that I was scammed and this is my fault. They gave me a new login which should've been done 2 days earlier when I had first called. 
I was upfront and honest with Bank of America and I had called immediately before ANY transactions had been made. They FAILED to secure my account. They said I made the deposit because it came from a device I had-this is false. I told them this and they said that was the scam. Again. I get part of this is on me. However, I called before transactions were initiated and they didn't secure my account. Therefore I feel this is on them. 
I have appealed the ruling and am waiting for another ruling. I am dead set on not paying this because I warned them I had been hacked. They should have froze that account the minute I called. Why issue a new card if it's still linked to the one that was compromised? I have been with BOA for 21 years. I have NEVER made a cash advance or a deposit from the CC. NEVER. I told them that and they told me it is all denied.

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 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that it is reporting my experience with this company.

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 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Your form did not offer the option that accurately covers my dispute. I noticed an unexpectedly charge of {$24.00} from Transunion on my general credit card. I called the number on the credit card charge. The help person seemed to know why I was calling before I could really explain the issue ( like I was the 10th person to call with the same problem ). The help person quickly canceled the identity theft policy that she said I had and was the purpose of the fee of {$24.00}. I had to ask for a refund of the fee already charged to me since it was never authorized. She gave me the refund so my problem was solved. 

BUT, it is predatory to extend my identity theft coverage by charging the fee with no notice. According to Transunion, I had this protection beginning in 2018 which was free, probably given to me from some firm whose data was exposed. Presumably, it ran out after 5 years but Transunion should never have charged me to extend the coverage without notice. Transunion should have their hand slapped severely for their action.

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 2023-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
My debt was paid in full but it was a paid to Delete but its still shows on the other credit companies. My XXXX  still shows i owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: DriveTime
State: NV

Complaint narrative:
Hi, i am the current owner of a XXXX XXXX XXXX, it's paid and full and i have the title in my name that was just mailed to me. Long story short, i tried to go to XXXX XXXX weeks ago XX/XX/XXXX to get purchase a new car, but denied due to a past lien still out on the vehicle. I advised Drive-Time of this issue, the same night XX/XX/XXXX and it's still yet to be resolved. I have done a lot of leg work for Drive-Time trying to get this resolved on my own. However, I feel as if though me being the customer I shouldn't be doing their job responsibilities for this business, when they have a full-staff. They haven't been very informative about updates, and the the status of my case. XXXX the Assistant General Manger at this location, ( XXXX XXXX XXXX XXXX ) hasn't been taking the appropriate measures to get this resolved quickly. If they can't resolve this amicably, then this leaves me no other recourse but to take the appropriate legal action. I've reached out to the previous owner 's lienholder ( XXXX XXXX ) on this vehicle trying to obtain the lien holder release form however the form isn't in there possession anymore, it's with the auction company XXXX XXXX XXXX California ). Due to me not being the retail buyer of this vehicle, they are not authorized to release this form to me. 

I've also called my lienholder ( XXXX ) to obtain this form, however they are being told by the auction company that they need some type of proof that shows that there is still a lien out on it. I called the XXXX XXXX at the XXXX location for help, and was advised that he's sorry for the situation that I'm in, and that there is nothing he can do to assist. I have been asked my a couple of team members by Drive-Time to obtain this proof. Why am i being asked to job Drive-Time 's job and responsibilities? This is something that i was told by my attorney that they should be being handled this themselves or there staff. However, I've been the one taking matters into my own hands trying to get my own issue resolved. All i want is for this to be resolved, so i can proceed with a purchasing a new car! 


Also this happened to my friend about a year & a half ago with her XXXX XXXX, she was sold a car by Drive-Time that had a hole in engine. That was even in a battle between Drive-Time and XXXX trying to get Drive-Time to fix there mistake. In the end my friend lost, and had to buy a new car with XXXX due to them selling her car that had prior mechanical issues. 

I'm just wanting to bring attention to this business that is just quick to sell a car, but is not doing there due diligence to insure that your in something safe and reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filled some disputes on my credit report XX/XX/2023. It has been over 45 days and I haven't received any response or update concerning my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am writing to formally notify you of the unauthorized ONEMAIN inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section. 
Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized ONEMAIN inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile.

Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.

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