vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please remove hard inquiries and fraudulent accounts from my credit profile from XXXX, XXXX XXXX and Equifax Immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I consolidated my loans with the explicit purpose to receive the benefits of the SAVE plan. After the consolidation, through no fault of my own, the terms of the save plan were judicially altered, such that the terms of the consolidation loan I consented to were in question. But for the benefits of the save plan, I would not have consolidated. The consolidation prevents the most cost effective manner of payment and accelerates the interest owed. The daily interest on 12 individual loans compounds differently than the consolidated loan. The financial institution that holds my note has been given an unfair advantage by changing the terms and conditions of the consolidated loan well after the time in which I would be allowed to revert to separate loans ( within ten days of consolidation ). 

In XXXX of 2024 I had many separate loans. Some of those loans qualified for SAVE. Some did not. I read the details for consolidation and terms and conditions to qualify for the SAVE plan. I made the very hard discission to consolidate after multiple conversations with NEL NET and Student Aid. Gov. I was explicitly told and all of the documentation instructed that the only way to have my loans all gain the benefits of the SAVE plan was to Consolidate. And so, I consolidated. I did this timely in order to receive the benefits of the SAVE plan. Months after this consolidation, the terms and conditions of my repayment was altered without any default or error on my part. 

This violates my right to choose how I engage with financial services. In this case, the federal government, president and courts many miles away very strong powerful enities acted to obviate my prior rights and void my ability to consolidate with an understanding of terms and conditions of the financial services. I am aware that many more actors and powerful factors are moving against my interests. THe CFPB is around to protect the informed consent of a borrower and even the field where financial institutions place an individula at an unfair advantage, moving the goal post for borrowers. NelNet will benefit from this false inducement by collecting nearly {$700.00} more than they were entitled to before my consolidation, which erases my disposable income altogether. 

HELP please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
AVANT card never use, they rip off by not posting your payment in time to charge you more interest. 
On XX/XX/year>. I paid Avant in full. My current as of XX/XX/year> balance showed {$1400.00}, and thats what I paid them. My bank posted the payment XX/XX/XXXX and taken the amount off my checking balance. I checked Avants website on XX/XX/year> and it showed that my balance was still {$1400.00}. Avant have not subtracted my payment. 
On XX/XX/year>, I looked at my dashboard in Avants website. My balance has increased from XXXX {$1400.00} to {$1500.00}. They added {$28.00} in interest charges when they should have not, because my balance was {$0.00} as of XX/XX/year>. Avant claims that it takes 14 business days for them to process customer payments. I asked to speak to an Avant supervisor and the representative said that he was busy and unavailable. 
I called my bank XXXX about the problem and they proposed making a stop payment. I agreed. After a few minutes I changed my mind and told XXXX not to put a stop payment against Avant and they said okay. A few days later I found out that XXXX failed to put a stop payment against Avant and the result was Avant charged me {$40.00} in late fees. 
XX/XX/year> I paid Avant {$1400.00}. This made my balance XXXX. 
XX/XX/year>, I found out that Avant charged me {$40.00} in late fees and interest which totaled {$64.00}. I paid it and that made my balance XXXX. 
On XX/XX/year>, I discovered that Avant charged me {$5.00} in interest when I didnt charge anything for more than a month. I called Avant and they said they charge interest for 2 billing cycles. I told them that is not standard practice and the representative told me that I agreed to the terms and conditions. I told them that I did not agree to this condition. She told me then why do you have this card? I told her to cancel my card and I will not pay the {$5.00}. Now I want to file a complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted disputes on these 4 credit card charger-offs on 3 separate occasions and XXXX, XXXX, and EQUIFAX. They still have not resolved the issue. The credit card companies violated FCRA 605B by reporting my personal information to the credit bureaus without my consent. Thus, violating two consumer laws - 15.USC 6801 and 15.USC 6802.

The disputes are these listed below : Account info Account name XXXX XXXX  XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$590.00} Terms - On record until XXXX XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$8000.00} Highest balance {$9700.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4000.00} Highest balance {$4300.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$5500.00} Highest balance {$6900.00} Terms - On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: VA

Complaint narrative:
I have submitted disputes on these 4 credit card charger-offs on 3 separate occasions and EXPERIAN, XXXX, and XXXX. They still have not resolved the issue. The credit card companies violated FCRA 605B by reporting my personal information to the credit bureaus without my consent. Thus, violating two consumer laws - 15.USC 6801 and 15.USC 6802.

The disputes are these listed below : Account info Account name XXXX XXXX  XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$590.00} Terms - On record until XXXX XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$8000.00} Highest balance {$9700.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4000.00} Highest balance {$4300.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$5500.00} Highest balance {$6900.00} Terms - On record until XX/XX/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 2024-08-14 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: LA

Complaint narrative:
I reported that I did not authorize any of the inquiries that are reporting to equafax and they are fraudulent I have zero inquiry on XXXX or XXXX and I have not authorized any place to check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NC

Complaint narrative:
This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.

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 2024-08-14 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: NC

Complaint narrative:
This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.

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 2024-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have tried to use the prepaid gift card many times. The website says there is no such card and when you call the ( XXXX ) number it doesn't allow you to speak to anyone and makes you go to the website to find information. The website no longer available

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of a scam. My checking account and some credit cards were compromised. The bank took all my money from my savings account. I almost lost my car, and I had to put some credit cards with a debt consolidation program because I couldn't make the delinquent payments. I filed a police report and tried to work with the fraud department of the bank, but went no where. now they want me to pay them {$1700.00}. NO WAY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
I have a loan through XXXX XXXX. I have been paying on it since XX/XX/year>. I have never been late. Never missed a payment. They stopped reporting to the credit bureaus and it looks like I am derogatory when I've never missed a 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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I had {$2700.00} transferred to my new SoFi checking account in XXXX of 2023. There was a freeze out on my account immediately. When I called to find out why, I was told that there account specialists would contact me about it. I have yet to be contacted by anyone from SoFi. I just keep getting marketing emails from them. I have continued to call and I am unable to get anyone other than a customer service representative. When I called again last month, I was told that they are closing my account due to some reason I dont understand and that they would be returning my money to the account it came from. I still have no communication or money. They have held my money without giving me any access to it or recourse. They have not reached out to me at all. Not even once. Not a single piece of mail. Only marketing emails about how great their services are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I found several accounts that I did not authorize. These fraudulent accounts are negatively affecting my creditworthiness. Please remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: VA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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