vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of American Express carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with American Express. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that American Express takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that American Express is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened up a checking and savings account with Bank of America online and deposited all my funds from my previous bank and my Direct deposit with my company to this account to open. I was mailed a letter stating the account was closed due to they could not verify my identity and I received no notification from them in attempts to try and verify my identity. They are now withholding over {$1000.00} of my hard earned money for investigation. I physically went into the bank opened up an account and it has been longer than XXXX business days and they are still withholding my funds and not providing any details as to why its not being released back to me even after verifying I was indeed the person who opened the account to include my direct deposit matched the account name and personal information provided on the account they closed. I have called and spoke to many representatives and am getting the run around stating they dont know when my funds will be released to me. I dont know what further action I can take with Bank of America to get my funds released back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposit of {$3500.00} for my blood son Account froze learned on XX/XX/XXXX by trying to withdraw funds Contacted fraud department explained son had no ID due to a revocation on permit Was told I could go into branch and get my available money by teller but had to bring my son with birth certificate and any form of id that showed birthdate such as social school id insurance card XX/XX/XXXX went into branch and learned needed XXXX  id only acceptable form and could not retrieve my money in account until restriction is lifted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THIS ACCOUNT IS NOT MINE *XXXX  - XXXX THESE INQUIRIES IS NOT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Tried to pay my loan and the servicer, Nelnet, is not allowing me to do so. By not allowing me to pay my loan- Nelnet is allowing my loan to accrue unjust interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: LA

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.

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 inructions 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.

15 U.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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I don't want this on my report, it hurts my credit history and it's not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DO NOT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DO NOT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-02 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:
Equifax has obtained my information unlawfully, Equifax has shared my information creating a consumer report without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: MI

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


8. The following personal information is incorrect Account Number : EMPLOYER : 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 2023-10-02 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Re-enrolled in auto-pay in XXXX, and on the first payment restart ( XXXX ), payment did not process, showing the payment was late on ( XXXX ). 

Manually paid to rectify, but this defeats the point of auto-pay. Had zero issues with XXXX XXXX as a servicer. Nelnet has been very bad with shifting amount due throughout month, no access to payment schedules, in accurate billing, and telephone wait times of 3+ hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I Have 4 Hard Inquries on my credit that i did not do i was trying to figure out why i could not get approved for apartments i dont know if i was supposed to reach out to each company but i need help with removing off my credit this is an huge error i wasnt sent any letter in the mail or anything XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2023-10-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I requested a refund in the amount of {$1300.00} for a lodging booking transaction. We paid for a two night stay, but when we arrived, the thermostat showed an error, the heating was not working, and there was no hot water. Temperatures in the area were forecasted to drop below freezing. We called the owner, they said they could not come to look at the furnace before the following morning. 

We did not feel it was safe to stay at the property, and left. 

When we requested a refund, the merchant accused us of turning off the furnace ourselves. We sent both the credit card company and the merchant a photo of the thermostat, clearly displaying an error message that the furnace wasn't working. 

The credit card company replied that our evidence- the photo of the thermostat which said that the furnace wasn't working- did not substantiate our claim that the furnace wasn't working. When asked how it failed to substantiate the claim, they said they could not say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has failed to obtain my information legally, Transunion has shared my information a number of times to many different creditors and debt XXXXollectors without my written instructions to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I have attempted to contact Aidvantage on nine separate occasions to get information regarding my loan and why my monthly payments were adjusted. I sent two emails that I never received a response from, spent 3+ hours on the phone over the course of two calls where I was hung up on the first one, and then the second call I was promised an investigation and response within three business days along with a terms sheet for their offer of lowering my monthly payment. I was not contacted again, and called a week after three times and each of those calls were disconnected by Aidvantage before I could even speak to someone. I got a response to my first complaint claiming I was informed my monthly payments were adjusted, but they have provided no evidence of that nor have they provided the requested terms sheet for the offered lower monthly payments. When I attempted to contact Aidvantage to speak to them about their response, using both phone numbers they provided in their complaint, it said their offices were closed despite the fact their own website says they are open until XXXX today and it is only XXXX. I am requesting to be provided evidence I was informed my monthly payments were changed, as well as the terms sheet on what exactly I would be agreeing to with the offered lower monthly payment. Until received I will not be making payments, and since Aidvantage is unable to properly service my loans if they negatively report to the credit bureaus I will be pursuing legal action for violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

Company response to consumer: Closed with explanation