vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-12-23 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
Re : Request for Deletion of Accounts and Block of Inquiries I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts and inquiries associated with the breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the affected accounts and inquiries that need to be blocked and deleted : ACCOUNTS : 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 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

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 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TN

Complaint narrative:
XXXX contacted XXXX XXXX and told them that they had XXXX pending charges for my car payment and it should have only been XXXX. They told me to wait a couple of days, and I would see the refunded. I waited and both charges posted to my account. I called them again, and then they told me that because I used an ATM card, they could not credit my account. I called with my bank on the phone stating that I do not have an ATM card and it was my regular debit card. XXXX XXXX stated that my bank would have to request a refund. My bank XXXX XXXX ) stated that they could do an investigation and it could take up to 90 days. This could not benefit me because I would have payments due during that time. I was told by XXXX XXXX that my next payment would now be XX/XX/XXXX. On XX/XX/XXXX, I started receiving calls from XXXX credit stating that my XXXX payment is due. They stated that they refunded my account on XX/XX/XXXX. I called my bank and they searched and no one could find this refund. On XX/XX/XXXX, XXXX XXXX states that I need to submit something in writing from my bank stating that they never received the refund. The only evidence XXXX could provide was a confirmation number which my bank told them was not seen in my account. This finance company is a scam. If you read the complaints on the XXXX  and XXXX only responds with a scripted letter to every complaint. If I had not paid them, I would have to pay late fees. What are they giving me for my time and money they have had to draw interest.

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against Bank of America ( BofA ) regarding recent changes to their checking account packages, which I believe involve unprofessional and potentially deceptive practices. 

In XXXX, I maintained a checking account with BofA under a package that did not incur monthly maintenance fees. Recently, BofA unilaterally changed their account packages and began charging a $ XXXX monthly maintenance fee for my account. Despite my account balances meeting the requirements to avoid these fees under their highest-tier package, I was charged this fee for the first time this month. 

Upon contacting BofA, they agreed to waive the fee for the first month as a courtesy, for which I am grateful. However, I have been informed that the current months charges can not be avoided, even though my balances qualify me for a fee-free account. I have since updated my account package to align with their new requirements, but this process will not eliminate next months {$25.00} account maintenance fee. 

I find it troubling that BofA did not clearly or prominently notify account holders about these changes and their potential financial impact. While BofA provided a general link to learn more about the changes, there was no conspicuous warning on their website to indicate that my account would incur new fees unless immediate action was taken. 

Moreover, I find it unfair and inconsistent that BofA automatically downgraded my account to a lower-tier package, that may result in additional fees, without my consent. Conversely, upgrading my account to a higher-tier package to avoid these fees required my explicit action, which could only be completed after incurring the charges. This asymmetric policy places an undue burden on customers and appears designed to generate fee revenue rather than genuinely serving account holders best interests. 

In my opinion, BofAs handling of these account changes lacks sufficient transparency and prioritizes profits over fair customer treatment. I urge the CFPB to investigate these practices and consider taking action to ensure that banks clearly inform customers about changes to account terms, provide sufficient notice, and implement fairer processes for account adjustments for any newly initiated changes. I find it difficult to sift through marketing materials and important account changes, given the volume of materials the Bank produces, but charge my account and I take notice. Then not accommodating clients to make what would only be considered a no brainier change and avoid unnecessary fees is just unforgivable. 

Thank you for your attention to this matter. I am happy to provide additional details or documentation if needed.

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 2024-12-23 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: MO

Complaint narrative:
I am requesting help to address the issue of an incorrect account on my credit report. This situation has damaged my reputation as a customer, and I need your intervention. These accounts must be deleted because they are being reported inaccurately and unfairly.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Nelnet XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Reverse Interest Accrual and Adjust Forbearance Status Dear Nelnet, I am writing to address an issue regarding my loan account and the borrower defense application I submitted in XXXX. Specifically, I want to clarify that I intentionally opted out of borrower defense forbearance when I completed my application. Despite this, my account has recently begun accruing interest, which I believe is in error. 

When submitting my borrower defense application, I made it clear that I did not want to be placed in borrower defense forbearance, as I preferred to remain on the XXXX ( Saving on a Valuable Education ) plan for forbearance purposes. I noticed that interest on my loans only began accruing recently, not at the time of my application. This indicates a discrepancy that needs to be corrected. 

I kindly request that you : XXXX. Reverse all interest accrued on my loans since the time of my application in 2023. 
XXXX. Ensure that my loans are no longer placed under borrower defense forbearance. 
XXXX. Confirm that my loans are instead aligned with the XXXX plan forbearance, as per my original request. 

Please provide written confirmation once these corrections have been Thank you for your attention to this issue. I look forward to your resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I created a checking account with capital one for a new job i started. I did not get signed up for direct deposit in time so the company owner wrote me a check. They are withholding my funds for over a week and will not explain why. I have received no written notice as to why, they just keep telling me they can not release my money at this time. I worked this job to be able XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now i have no money until after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I don't recognize these inquiries, i asked credit bureaus to remove them but they didn't remove them, i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and not mine.

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 2024-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX LAST 4 SOCIAL : XXXX CREDIT BUREAU NAME : XXXX XXXX XXXX To Whom It May Concern : I've found multiple inaccuracies and I'm aware that your job is to ensure the accuracy of my credit report. 
ACCOUNT NAME : XXXX XXXX # : XXXX Why is it that this account is reporting two different Dates of last activity? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes.

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 2024-12-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
Here is a brief description that I sent to their support, who literally is just laughing in the chats, " This transaction was incorrectly executed in accordance with section XIII ( 1 ) of Cash App 's terms of service, and I have notified you guys of such every day since it was noticed as being in error. That is a breach of your own terms, and so here it is in writing. I have notified you guys, Cash App Support, of an error made by your processing system in the amount of a pending charge for {$170.00} at XXXX in XXXX XXXX, TX on Thursday,XX/XX/2024. On Friday,XX/XX/2024, this pending charge was updated to reflect the payment made as {$10.00}, yet the pending charge remained in error. I wrote Cash App Support promptly, and received XXXX assistance in remedying the issue other than to call the merchant, that is, XXXX. Today, Monday XX/XX/2024, I contacted XXXX and was informed that they indeed released the pending charge upon finalization on XX/XX/XXXX. And that their system doesn't even show a hold anymore. This of course leads us here in the present where I have confirmed to Cash App support that this was in fact an error that needed to be rectified, and instead of saying anything like " sure we'll look at it again! ", I receive " Read above '' and " You're welcome to read previous messages ''. Instead of taking ownership, you have decided to double down on your absolutely horrendous customer service policies, and I am going to now take action. Thank you, have a great day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing this complaint because I am unsatified with the investigation that was conducted for the following CFPB complaint : XXXX. The following account : XXXX, is on my credit report from Jefferson Capital Systems LLC . This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Jefferson Capital Systems LLC is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements. Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt. Documentation of the original signed agreement proving I owe this debt. Evidence that Jefferson Capital Systems LLC has the authority to collect in XXXX while attempting to enforce this debt in XXXX XXXX. Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. Jefferson Capital Systems LLC is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), unverifiable debts can not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Jefferson Capital Systems LLC has failed to provide proof that they are authorized to collect this debt in XXXX XXXX while I reside in XXXX. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate XXXX XXXX and XXXX consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
" 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief