vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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:
I am writing to formally dispute the reporting and handling of account, as it contains several violations of my rights under federal law. Specifically, under 15 U.S.C. 1681 Section 602 of the Fair Credit Reporting Act ( FCRA ), I have the right to privacy, which has been violated by furnishing or sharing my account information without my express written consent. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish account information without my explicit written instructions, which I have not provided. Furthermore, per 15 U.S.C. 1681a paragraph ( 2 ) ( A ) ( i ), transactions improperly reported that do not meet consumer reporting standards should be excluded from my consumer report. Additionally, under 15 U.S.C. 1666b, a creditor may not treat payments on a credit card account under an open-end consumer credit plan as late for any purpose unless proper notice is mailed to the consumer at least 21 days before the due date. To my knowledge, I did not receive any such notice or statement. Lastly, 15 U.S.C. 1637b requires that creditors provide clear and timely disclosures of payment terms, which I did not receive in relation to this account. Based on these violations, I demand the immediate removal of all late payments associated with this account from my credit report, written confirmation that any improperly included transactions have been removed, and proof that all required notices and disclosures were properly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Financed a vehicle through Ally Financial ( Auto ) in the middle of XXXX and have yet to have access to my online account to view my information, messages, billing statements, make a payment etc. I received the welcome packet from Ally in the mail a few weeks after purchasing the vehicle and have been calling to get this issue resolved ever since. Which has been a little over 2 months now and hours of my life wasted on the phone. I have other accounts with Ally ( checking, savings, credit card ) and thought this would be a seamless process. I was wrong. I have made it to their highest level of customer service and there is no urgency to fix my account. Every time I call I am told the person handling my case will contact me, which still hasn't happened after three weeks now. Meanwhile, interest/late charges accrue and they are telling me nothing can be done about that. The only other options given to pay ( mail/phone ) come with extra fees or lead to higher finance charges. This is unacceptable and I feel like I am being taken advantage of. They literally advertise in the welcome packet to download the app/create an account to have access to above stated information and pay whichever way is most convenient. I have the call logs on my phone of when I started to call, how often, and how long I spent on the phone. I have screen shots of the error messages I get when trying to access my account, both on the mobile app and web browser. This is just a brief explanation, but has been a nightmare experience during an already difficult time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I satisfied this debt with person identified as an agent of XXXX. Debt is wrongly reported as a " charge off '' as I was told that by making the payment requested that There would be NO negative impact on my credit report.. 
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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Mohela put me in Forbearance on XX/XX/XXXX due to SAVE lawsuit. However, I was under and I am still under standard repayment plan. I applied for XXXX in XX/XX/XXXX and was denied after I provided all the required information. Mohela stated that I did not provide my husband 's tax information, however, I provided it many times. They lost my spouse 's tax information repeatedly or just never processed it. I tried calling them for months and would have to wait on hold for over three hours to speak to someone. They sent me a letter in XXXX that stated that I never provided the requested information. I did repeatedly. I reapplied for XXXX on XX/XX/XXXX after I was put in forbearance on XX/XX/XXXX. I still do not know why I was put in forbearance on XX/XX/XXXX when I was in standard repayment plan and they backdated it to XXXX after they collected my payments. I asked, but I was never given an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Banking accounts and in-store credit cards was open I did not purchase these items until the company that many many times I never got any of these products it's not my doing unauthorized purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have attempted to open a checking account in person and over the phone with Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my applications have been denied. Each time I reach out for clarification or assistance, I am either redirected to nonexistent phone numbers, transferred to automated messages, or provided no clear explanation. This has left me without answers as to why my applications are being refused. 

I feel that I am being unfairly treated, possibly even discriminated against, as I am unaware of any valid reason for these denials. I am seeking assistance to understand the issue and to have it resolved fairly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against Experian for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and to demand immediate action pursuant to my rights under federal law. 

Background The following account appear on my credit report as negative items XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This record have been deleted from the record of the original data furnisher, XXXX XXXX This was confirmed by a direct inquiry with XXXX, which no longer maintains these records. 

Legal Basis for Dispute 1. Inaccuracy of Reported Information Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Because the source of this information, XXXX, no longer maintains these records, Experian is reporting inaccurate and incomplete information by continuing to include these items on my credit report. 

2. Obligation to Remove Information FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) requires the removal of inaccurate items from the credit report within 4 days of a dispute being submitted. Given that these records are demonstrably inaccurate, Experian 's failure to promptly remove them violates this statutory obligation.

3. Willful Noncompliance Under 15 U.S.C. 1681n, Experian is liable for willful noncompliance with the FCRA. This includes failing to conduct a reasonable investigation into the accuracy of the disputed items and failing to act in accordance with the law to ensure only verified and accurate information remains on my credit report. 

Demand for Resolution I demand that the following actions be taken immediately : The removal of XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) from my Experian credit report within the time frame required by FCRA 605 ( b ).

Confirmation from Experian that these items have been removed, along with a revised copy of my credit report reflecting these changes.

Request for CFPB Action I respectfully request that the CFPB investigate this matter thoroughly to ensure Experian complies with its legal obligations under the FCRA. This is a clear case of willful noncompliance, and I expect immediate corrective action. 

Enclosed are copies of supporting documents, including correspondence with XXXX confirming the deletion of these records and my dispute history with Experian. 

Thank you for your prompt attention to this matter.

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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I met this man thru on XXXX not long ago and we was talking this morning and got on the subject of me not working anymore and Long story short he said he wud help me. So he sent me {$50.00} thru paypal. {$53.00} all together because the way he sent it cost him a fee. I never even see a payment like he sent b4. Anyway right after he sent it I go to the transaction and says my account has limitations to verify these transactions. 1 transaction turned into me having to verify 3 times pretty much the same way. They said what was ur transaction for, I won'ted to say none of ur business. Anyway the man has a business paypal account and he said his payments come out like that. The payment had me having to create a shipping label and stuff I said I ain't never seen a payment like this. I told paypal on all 3 verifications that all it was was somebody sending me money an didn't know the difference in goods and services or friends and family that's it. Then I tried to refund the money and they wudnt let me, then wudnt even let him request a refund. This was XX/XX/XXXX a lil after 1 when the money was sent. I tried to call support and the operator wudnt put a human on because she figured she cud do everything. So I waited and waited I was hungery I was getting something to eat with that money, eventually I check my email and there a message from PayPal saying thanks for being patience were reviewing ur submissions let u know it 72 hours ... I was nice then then another message saying I sent ur submissions to the backend team there reviewing this and that. Then I said what'd there to review? A man send the money the wrong way by accident that's it problem solved. Then they said something about another 72 hours and hope I'm happy with there assistance and thanks for being a valuable customer. I said easy for somebody with money to say im waiting 72 hours for my money to feed my family I dnt plan on being a valuable customer much longer. I have all the screenshot but long story short they said I cudnt withdraw my funds til 120-180 days and I blanked on them. Didn't even tell me why so all I'm pose to think and know is because I received money from someone that sent it wrong. Something i have no control over. I have screenshot from the man saying his account is like that this ain't the 1st time he had this problem and what not. I dnt even use paypal much in almost 3 months only have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
The XXXX  XXXX XXXX account listed on my credit report is inaccurately reported as a charge-off. The creditor agreed to delete this account and issued a 1099-C, Despite this resolution, the account continues to show as a charge-off, which violates the Fair Credit Reporting Act ( FCRA ). I previously disputed this account, and under FCRA Section 605 ( b ), it is unlawful to report this account without my explicit permission. 

The inaccurate reporting of this account negatively impacts my creditworthiness, and I request that the account be corrected to accurately reflect its status or be removed entirely from my credit report. Please resolve this promptly and ensure compliance with all applicable laws.

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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened both a joint checking and joint savings account at Citi bank back in XXXX of this year in the XXXX, CA Branch. It was a joint account with myself and my XXXX old daughter. The Citi bank agent who helped me open that account is named XXXX, when I opened that joint checking he mentioned that I need to XXXX or direct deposit {$250.00} into my Citi checking every month and maintain a {$5000.00} balance in the savings. I transferred the {$5000.00} to the savings from my online XXXX XXXX XXXX account and I XXXX  {$250.00} from my XXXX XXXX account. 

As soon as I funded these accounts, I get a letter a week later stating that both my accounts at Citi are closed. I called and they said it was due to fraud and to wait 60 days for a check to come in the mail for return of my funds ( {$5000.00} + {$250.00} ). 

On XX/XX/year>, about XXXX months after the closure of my account. My funds have still not been returned to me. I went back to the XXXX, CA Citibank branch in person today to see a banker. The bankers name is XXXX XXXX. He helped me call Citi fraud and they told him that I need to go to both XXXX XXXX XXXX and XXXX XXXX to have them retrieve the funds back from Citi by sending a Hold Harmless form. XXXX and XXXX XXXX mentioned that they cant do this because there was no fraud. I initiated those transfers and it was legitimate. 

Citi bank closed my accounts and is holding onto my funds.

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 2024-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank who manages and services the store credit card for JCPenney has sent me a change of terms in fees which will go into effect on XX/XX/year>. The increase to interest charges or late fees seems excessive but at least they are easily understood. The concern I have is the fee that they want to add for the purpose of generating a billing statement. Synchrony/JCPenney are threatening to add a fee of {$1.00} per month anytime there is a balance on the account. This fee seems to me to be abusive. How am I supposed to pay for the charges if I do not receive a basic billing statement from the creditor? Not everybody is connected to the internet 24 hours a day keeping an eye on their JCPenney balance. A billing statement s has always a been a basic responsibility for any creditor and part of their cost of doing business. The billing statement typically serves as a reminder to me and many other customers that a debt is due. This seems very abusive, and the fee is for what??? The cost of the mailing stamp? The cost of the paper to print it on?

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 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has been charging me insane overage on fees and transaction fees when I am not suppose to be receiving them and when I do pay my statement they dont deposit the money on time so it causes a ripple effect and I endure more charges.

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 2024-12-08 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: CA

Complaint narrative:
Subject : Formal Response to Equifax 's Noncompliance with U.S. Codes and CFPB Guidelines. 
Equifax Dispute Department, I am writing in response to your inadequate and dismissive handling of my complaint submitted through the CFPB Complaint Portal. Your response regarding the tradeline from XXXX XXXX XXXX demonstrates a clear disregard for your obligations under federal law, including the Fair Credit Reporting Act ( FCRA ) and guidelines established by the Consumer Financial Protection Bureau ( CFPB ). Your vague assertion that Equifax is either currently processing that dispute or has recently provided results is not only insufficient but also a blatant violation of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a dispute is submitted. By failing to provide transparency in your investigation process and evidence supporting the disputed tradeline, you are in clear noncompliance with the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 2 ) you are required to notify the furnisher of disputed information promptly and provide them with all relevant information regarding the dispute. Your failure to ensure the completeness and accuracy of the investigation violates this provision. Additionally, if the information can not be verified, it must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) Your approach is disrespectful not only to me as a consumer but also to the regulatory framework established by the CFPB, which emphasizes the importance of fair and accurate reporting practices. The continued presence of inaccurate information in my credit file and your vague responses highlight systemic noncompliance with federal law and CFPB guidelines.

I demand the following actions : 1. A **detailed explanation** of the investigation process you conducted regarding this specific tradeline.

2. **Full disclosure of all evidence and correspondence** from XXXX XXXX XXXX used to substantiate their claim.

3. Immediate deletion of unverifiable or inaccurate information, as required by **15 U.S.C. 1681i ( a ) ( 5 ) **.

4. A mailed copy of my **updated credit report** showing all corrections made.

Failure to meet these obligations will result in additional regulatory complaints and legal action. Under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, you are liable for both willful and negligent noncompliance with the FCRA , including statutory damages, actual damages, and attorney fees.

I expect a comprehensive response and resolution within 15 days. Any further evasion or noncompliance will be reported to the CFPB and other regulatory agencies for review and enforcement action. 
XXXX XXXX social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. This letter is a formal dispute under the provision of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. That you are reporting inaccurate credit information. After a careful review of my credit report, the following account listed below is inaccurate. 
This account is being listed as being 30 days late in XX/XX/year>. Attached is a letter from the creditor requesting that you correct the late notation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE and or correct all inaccurate information. Please correct the account above to reflect no late payments or delinquencies. Thank you in advance, your understanding and prompt action in this matter is greatly appreciated. 


Respectfully Requested

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Subject : Request for Debt Validation Dear [ Debt Collector 's Name or " To Whom It May Concern '' ], I am writing regarding a debt you have contacted me about. Please note that this letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I do not acknowledge or accept any responsibility for this debt and request that you provide proper validation before I consider taking any further steps.

To validate this debt, please provide the following information : 1. Proof of the Original Debt : - The name and address of the original creditor.

- The date the debt was incurred.

- A copy of the original agreement or contract.

2. Debt Details : - The total amount of the debt, including a breakdown of fees and interest.

- Documentation showing that the debt collector is legally entitled to collect this debt.

3. Account Verification : - Proof that this debt is tied to my identity.

- Evidence of the chain of ownership if the debt was sold or transferred.

4. Proof of Licensing : - Verification of your agency 's license to collect debts in my state ( include state name ).

Please note that, under the FDCPA, you must cease all collection activities, including calls and letters, until you have provided sufficient validation of the debt. If you fail to comply, I will have no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

Finally, this letter should not be interpreted as an acknowledgment or confirmation of any debt obligation. I look forward to receiving the requested information within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation