vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> we were contacted by a criminal who frauded our Bank of America savings account through two wire transfers of one for {$48000.00} and another one for XXXX were contacted by phone that these transactions were hiidden in our accounts and needed to be brought to our attention so that the bank could see them and then they would be voided. We have been banking with Bank of America for over 50 years and have never made a wire transfer ever so this was very confusing to us they went so far as having the bank call my husband cell phone number with the banks number on it to verify that this was the bank and I needed to follow these instructions. This all occurred after XXXX XXXX  on XX/XX/XXXX being very suspicious I kept checking our accounts and at XXXX on the XXXX I realized the money was gone and immediately contacted the bank to freeze our accounts and stop the wires. According to bank policies we were never contacted to verify if these wires were indeed valid nor did we contact the bank as per their policies to send these wires. The wires were sent at XXXX on the XXXX I called at XXXX to stop them we have received the XXXX back but not the {$480000.00} and can not get any information back from the bank and where our money is. We are XXXX and XXXX XXXX XXXX we just retired and have been victims of a horrendous fraud we need help! Bank of America did not take the necessary steps to protect us the funds should have never been released it even states on the paper work any wire done after XXXXXXXX XXXX. would not go out until the next business day which would mean they could have been stopped. Why would have these been flagged in 50 years we never made a wire transfer and two large transfers done after XXXXXXXX XXXX. should have been a warning, Please we need help Also at XXXX XXXX  after our accounts were frozen they attempted to make another {$75000.00} wire transfer which we then received a text stated it had been denied we never received any type of text from Bank of America for the other two wire asking if these were legal wire transfer which we of course would have 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 2024-09-15 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:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year>XXXX  To whom it may concern. 

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report. 

Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, XXXX has failed to remove the account from my credit report, continuing violate FCRA regulations. 
Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws. 
please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-09-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late and charge off year 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 2024-09-15 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. Experian, XXXX, and XXXX are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.

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 2024-09-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX 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
Consumer complaint received 2024-09-15 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: NV

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card XXXX Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

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

Sincerely, 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
Consumer complaint received 2024-09-15 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: NV

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information related to late payments on my credit report for the following account : Account Information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX Credit Card Date Opened : XX/XX/XXXX Balance : {$4200.00} Monthly Payment : {$160.00} Recent Payment : {$830.00} as of XX/XX/XXXX I have identified an error in the reporting of late payments. I was never late on this account, and the reported late payments are due to a billing discrepancy. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and can be verified. Given that the reported late payments are inaccurate and can not be verified, I kindly request that these late payments be removed from my credit report. 

Please conduct an immediate investigation into this matter, and if the late payments can not be verified as accurate, they should be deleted. Additionally, I request a written confirmation once the necessary corrections have been made to my credit report. 

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

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: UT

Complaint narrative:
Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 
I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : - **15 U.S.C. 1681b ( c ) : ** This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization. 

- **15 U.S.C. 1681s-2 ( b ) : ** This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided. 

- **15 U.S.C. 1681e ( b ) : ** This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

**Requested Solution : ** I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible.

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 2024-09-15 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: Nelnet, Inc.
State: NV

Complaint narrative:
US DEPT OF EDUCATION-CFPB Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education. 

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. My transaction history is not public information and under terms and conditions it clearly states they will not disclose any transaction information to a third party..Please remove all transactional history or any financial details listed therein my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business : XXXX XXXX XXXX  Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, 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
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
See attachments concerning and responding to the Adverse Action notice.

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 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My private loan balance is now {$87000.00} with the lender Navient. My student loans consist of two Signature loans- one of {$51.00}, XXXX ( original principal was {$18000.00} ) and the other of {$35000.00} ( original principal was {$13000.00} ) both with a 15 % interest rate. 

I can not make the original monthly payment to Navient as I have been in a financial hardship for years and I can not keep up with the payments as the interest has buried me in these loans and I owe way more that I have borrowed. 

My loan was for the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX in XXXX  and was told in admissions at the school that the degree from that XXXX XXXX XXXX was highly sought after in the worldwide XXXX  XXXX  industry, and especially in XXXX XXXX, I would have no trouble landing a great, high paying XXXX XXXX  job if I completed the course. I learned that this is not true as the degree is laughed at the kitchens I worked. 

A few years ago, it was finally revealed that the for-profit college XXXX XXXX XXXX had nothing to do with the school of the same name in XXXX and that the XXXX XXXX  XXXX purchased the name and began sprouting campuses where they got in trouble and finally went under for misleading promises to students and shady business practices. XXXX XXXX XXXX is now defunct where my XXXX, along with everyone else 's who attended, has no value. 

I have tried to work with Navient with an income-based repayment plans throughout the years and have had trouble fulfilling even that. I asked if I could please place my loans in forbearance, but they say I can not do that. They also state that I do not qualify for any type of forgiveness programs for these types of loans as I have never defaulted and they will take legal action if I do not make the monthly payment they calculate - even though the payment they come up with is more than I can afford. These loans which are being managed by Navient are ruining my life. 

I finally obtained a job with some future promise 4 months ago but still need a financial breather. Navient has made it clear that they can not work with me as I wished to pause my payments until I can get on my feet. I am a XXXX father of XXXX, living in a 2-bedroom apartment, on government food assistance, still can not make ends meet, and am constantly borrowing money from family members each month to survive. 

The constant calls and XXXX  that Navient gives me is harrowing. My health is suffering under the stress and I do not know what is going to happen financially if I can not pay my regular bills and take care of my kids or what this stress is doing to me mentally. I am having trouble providing for my family and I am deeply frightened of the future. 

Please look at the pics I am uploading. Who can afford that?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
My credit reports are displaying inaccurate information for all three major credit bureaus for The XXXX XXXX account showing the account status as bad debt when the account should display paid as agreed or payment plan pp. This account is not bad debt and in actuality is being paid as greed. The account balance is XXXX! Transunion shows there information for this account as charged off as bad debt, showing a balance of XXXX, which needs to be properly updated as paid as agreed. XXXX displays the XXXX XXXX account as unpaid, and a balance of XXXX, which needs to be updated as paid as agreed including false updates with this report. Also, XXXX displays the information on this account as Charge off, with a balance of XXXX which the account status should display paid as agreed. The report date is referencing XX/XX/XXXX. I have paid on this account as of XX/XX/XXXX. The debt was sold to a lawyer could possibly be an impersonator of a lawyer for XXXX XXXX. XXXX  XXXX has sold their rights to this debt and should not be able to provide information upon an account they no longer have ownership of. I have been making payments on this account since XX/XX/XXXX. By law my credit reports should be updated to show that I am not negligent. The current balance on this account is XXXX and my utilization should not be 97 %.

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 2024-09-15 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: AL

Complaint narrative:
Experian has and account called XXXX XXXX reporting on my credit report Ive never did any business with them Ive never contacted them so this account needs to be removed immediately 15 usc 1692c ( c )

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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I took out loans from XXXX and while in XXXX I had to take some time off due to my XXXX XXXX XXXX. XXXX  then took my loan at turned over {$20000.00} into collections which shouldn't have happened as I returned to school the following semester. I have tried to explain to them that it should never been turned into collections because no one told me about the repayment and I was XXXX XXXX XXXX XXXXl I had just taken time off for the XXXX XXXX XXXX XXXX. When I called and ask them to remove it from collections they said that you can not take things out of collections once they're in there which I know is not true. This has greatly affected my life as I am unable to get loans or anything due to this being on my credit score

Company response to consumer: Closed with explanation