vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: DE

Complaint narrative:
I currently have a student loan with climb credit. In XXXX of 2024 I paid a total of {$8000.00} dollars towards a balance of roughly {$10000.00} and was told this would cover my monthly payments going forward as it is a 0 % loan. I have recently been receiving collection calls now where they are saying that actually it only counts towards 3 months, and now my account is past deue with late fees and they apologize for the inconvenience and confusion. 

During these calls, they are also not following proper privacy and verification processes. The person will call me and provide me with a address, phone number, email address and acount name and ask me if this is correct. They should not be providing peoples personal information when doing an outbound call to verify identity. If someone else answers the phone or they dial the wrong number by chance, they could be providing numorous personal identification information to a complete stranger because all you have to do is say yes. This is opening me up to great risk as there is no way for me to confirm if they have done this before and accidentally provided my personal information to a complete stranger.

During a previous call I shared that I wish for them to not do this as this is a great security concern and they have done it multiple times now since. Im no expert on collections and privacy practices but I know for certain this is not an appropriate method and this can not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My mother passed away and, as her estate executor, I immediately closed her account and paid the outstanding balance in full. She had award points that were converted to dollars and thereby resulted in a credit balance ( {$630.00} ). I have repeatedly asked Chase ( the card issuer ) for this balance to be sent via check, but they have refused to do so. The account is closed, and no further action can be taken on the account, but they claim their policy is to hold those funds for 3 months before returning them to the estate. Today, I received a card statement for the account and that statement says, " If after 6 months the credit balance is {$1.00} or more, then we will refund the credit within 30 days. '' As a XXXX XXXX I know that Chase does not have the right simply to hold other people 's money without interest and they can not simply make up a policy that allows them to hold and use client funds like they are doing in this case. I have spoken to Chase multiple time over the last two months, and they just keep pushing me off. They tell me a manager will call me, but nobody ever has done so. This is absurd, and its bordering on criminal. Imagine if the bank is doing this systemically across all of its issued cards ; this is likely a meaningful source of XXXX cost funding for the bank at customer expense. Its not right ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I have checked my credit report and discovered a few fraudulent accounts on it, XXXX XXXXL XXXX opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and fraudulent hard inquiries, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The legal problem I currently have is my wife and I setup a joint account with Bank of America in 2015, but Bank of America closed our account, because I withdrew most of the balance and the account became inactive while we were back in XXXX. I tried to reopen a new account online, and they are refusing me access to sign up online. They are telling me that since I am overseas I am not allowed to sign up an account online, and I must to report to a financial branch in USA. I believe this is against my consumer rights, because as a financial lender, they aren't allowed to be biased regardless of my location. I initially filed a complaint with XXXX XXXX XXXX XXXX in hopes to find a resolution. In response to the XXXX  complaint, a rep from Bank of America 's Consumer Protection sent my mother text messages with confidential information regarding my complaint to my mother 's phone number without my consent. I felt they should first ask me if it's okay to contact me by any specific phone number. My mother sent me a copy of the messages. I called the phone number and extension listed in the text message, and each time I call during their business hours, I can only reach a voice message. I left multiple voice messages requesting them to communicate with me via email, but there was no success.

In addition to the violation of my consumer and confidential rights, Bank of America may also be participating in unfair competition. They have an online promotion of a {$300.00} bonus for users that sign up using their online service. This entices people to choose their bank over other financial services while they are not living up to that promise, because I am being refused access to that service and the bonuses offered therein. 

Bank of America actions are causing damages to me, because I have an XXXX seller business, invest in the stock market, and I need to file IRS taxes. I don't want to fly back to USA just to open a bank account at a financial center while others can use their online service to create accounts.

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 2024-10-23 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: GA

Complaint narrative:
I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXXXXXX XXXX XXXX XX/XX/year>. However, I have not received any evidence from XXXX XXXX to support valid assignment or transfer documents from XXXX XXXX or XXXX XXXX XXXX XXXX that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on XXXX the XXXXXXXX XXXX XXXX account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on TransUnion, XXXX XXXX or XXXX XXXX XXXX XXXX  are being reported to support any balance due or owed for XXXX XXXX to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXX XXXX or XXXX XXXX XXXX XXXX  to XXXX XXXX. If the debt can not be verified, the XXXX XXXX account should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXX XXXX XXXX XX/XX/year>. However, I have not received any evidence from XXXX XXXX to support valid assignment or transfer documents from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on XXXX the XXXXXXXX XXXX XXXX account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX are being reported to support any balance due or owed for XXXX XXXX to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX to XXXX XXXX If the debt can not be verified, the XXXX XXXX account should be removed 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 explanation
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I currently hold a VISA credit card with TD Bank, which I originally opened using my XXXX XXXX at a XXXX branch when I was a XXXX XXXX Now that Ive moved to the XXXX and have been issued a Social Security Number ( SSN ), Ive made several attempts to update my account with my SSN so that it is reported accurately to the credit bureau. Ive visited the branch, called, and even faxed my request multiple times, but the issue remains unresolved. This card is my oldest credit account, and as a result, when I try to apply for new credit cards using my SSN, my applications are denied because my credit history is incomplete, which significantly impacts my credit score.

I have made similar requests with other credit cards and received a response but TD has not provide any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting a house for my family and a car for kids and must be removed immediately.

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 2024-10-23 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting a house for my family and a car for kids and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or around XX/XX/XXXX I purchased a hydro water bottle from Walmart. Sold by, XXXX, order number XXXX. I never received it. I emailed the seller, and I never received a reply. I disputed it with Capital one. They removed the charge. On or around XX/XX/XXXX they put the charge back on my XXXX I unt. {$28.00}. They said, my resolution was not approved. I said my purchases are protected. XXXX THE REP COULD not help me. I don't have any issues like this when I make purchases. Happy to pay. This is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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