vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-18 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: MOHELA
State: CA

Complaint narrative:
My student loan account has been over credited with a double payment since XX/XX/year>. My online account shows a total payment of XXXX on XX/XX/year> but my bank account was only debited for half that, XXXX. This has now incorrectly reduced my monthly payment amount. I've tried calling multiple times to get this sorted out but I've either been told they would fix it ( they didn't ) or that I'd have to speak to a different customer service agent ( I haven't been able to ). This is absurd, I've called them 4 times now to get this sorted out and nothing ever happens. This is the worst company I've ever had to deal with. They have also had multiple issues with account transitions and auto payment. This feels like purposeful negligence in order XXXX XXXX XXXX XXXX. There is zero choice of in loan service provide so they have a completely captive customer base.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
An overpayment was made by me to XXXX for my mortgage and I requested, and eventually received, a refund by check. They added a remark code to the credit bureaus that says " Account information disputed by customer ''. This has brought my credit score down substantially and it needs to be removed. They do not know what they are doing over there as they are a debt collection agency that started handling mortgages. They have been a nightmare to deal with since my mortgage was bought by them in XXXX! I have never been late as I am on auto pay. I tried to pay extra on my principle and they took out an entire mortgage payment plus the {$1000.00} extra principle payment. This was 2 weeks after my regular monthly payment came out. I simply requested a refund of the {$1000.00} payment. It took over a month and jumping through many hoops to receive that check. Just a nightmare! Now my credit score has been affected with their inaccurate 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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited {$10000.00} with money order into my BANK OF AMERICA checking account on XX/XX/year>. There were total 10 pieces of money orders with {$1000.00} each. 

The bank teller gave me the receipt and verified the amount and gave me two receipts : one was {$1000.00} and the other {$9000.00}. Please see attached file 1. 

On the XXXX of XXXX of 2024, I noticed that they charged {$1000.00} back. I went to the branch in XXXX XXXX, CA on XXXX of XXXX, 2024 and talked to a banker. He called BOA and found out that the teller made a mistake- says that she double scanned one of the money orders and created double entries for one {$1000.00}. Please see file 2 attached. 

And then I received a letter from BOA says that actually there's another mistake made by the teller : that she deposited one money order twice!! Please see file 3. 

As far as I can guarantee you that I did deposit 10 pieces of money order total {$10000.00} and the teller did verified with me - there can not be such a stupid mistake made without any of us noticed!!! I demand that they should release the video record of the transaction on that date!! 

They actually made 3 mistakes for this transactions : miss placed one of the money orders ; double entry one of the money orders ; double scanned one of the money orders. 
I strongly beleive this is not my fault and I should not be responsible for the {$1000.00} lost. 

I would like them to refund me {$1000.00} asap. Please let me know if theres anything else you need to process my request. 

Appreciate your help!! 

Best regards,

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 2024-11-18 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited my IRS tax refund check at my local branch. They told me there would be a hold. 3 days later Chase Bank put my account on restriction blocking my access to any money. After a dozen phone calls they are stating that they received the funds but are waiting for an email response from the treasury dept or their clearing house ( depending on which version they have told me ) to verify that my name is the correct name on the check. They are now going to close my account. Put that deposit amount in suspension until which time they get the email response. Attached is the only documentation I have received from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have appeared on my credit report without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and permanently deleted from my credit file. 
List of Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} List of Fraudulent Inquiries : XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CBC Companies, Inc.
State: MA

Complaint narrative:
YOUR COMPLAINT This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. Furthermore, I have attached : A new police report confirming fraudulent activity. Updated documentation disputing these debts. This Cease and Desist letter. Violations and Legal Obligations Your failure to respond adequately to my validation requests and your ambiguous statements constitute violations of the following : FDCPA, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with debt collection. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires debt collectors to verify disputed information with the creditor and ensure accuracy. Federal Trade Commission ( FTC ) Guidance on Debt Collection Practices : Warns against vague or misleading communication, which can constitute an unfair or deceptive act or practice ( UDAP ). You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. Legal Remedies Available Failure to comply with these laws exposes you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, and coverage of attorney fees under the FDCPA and FCRA. Cease and Desist Demand Effective immediately, I demand that you : Cease all communication with me regarding these accounts, except to provide the debt validation as required under federal law. Provide a comprehensive validation of the debts, including : A signed agreement or contract proving my responsibility for the alleged debts. Full account histories showing how the amounts were calculated. Evidence that your agency has legal authority to collect these debts. Inform the creditors ( XXXXXXXX XXXX and XXXX XXXX ) that these accounts are in dispute. Next Steps If I do not receive a satisfactory resolution within 30 days, I will have no choice but to file complaints with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) My states Attorney Generals Office the gialed to respond to me so I am filling the complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Repeated Charge-Off Reporting XXXX Dear XXXX  XXXX, I hope this letter finds you well. I am writing to dispute the repeated reporting of my account as a charge-off. The account number in question is XXXX, and I noticed that the charge-off status continues to be reported multiple times on my credit report for the same account. 

To clarify, a charge-off is a one-time accounting event that occurs when an account is deemed uncollectible after a period of non-payment. According to credit reporting regulations, once an account is charged off, it should only be reported once as a charge-off. However, it appears that your company has continued to report this charge-off status on a monthly basis, which I believe is an error. 

I respectfully request the following : 1. Clarification of why the charge-off status is being updated monthly on my credit report.

2. Correction of any inaccuracies in reporting, ensuring that the charge-off is reflected only once.

3. Verification of the charge-off and any subsequent reporting to the credit bureaus, to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

If the charge-off is related to a transferred or sold account, I would also appreciate clarification regarding the status of any collection efforts, and whether any updates to the account should be reported differently. 

Please provide me with a written response, including any documentation or clarification that supports your reporting practices. If this reporting issue can not be resolved, I may need to file a formal dispute with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: TX

Complaint narrative:
I received a voice mail about a person coming to my job or house, and that I owe a debt, thats from 2013. I ask to see the original debt. And what I was provided was a made up debt. That I dont know anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: 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.

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I booked a round-trip ticket for a relative through American Express for an XXXX XXXX XXXX XXXX and while one segment of the trip has been used, I am now attempting to cancel the unused portion. At the time of booking, I was informed of cancellation and change fees but was not notified that the ticket was non-refundable. American Express now refuses to provide any refund, citing a non-refundable policy. Additionally, I requested to change the return flight to a future date ( XX/XX/year> ), but the change fee quoted was over {$1000.00}, which exceeds the cost of purchasing a new ticket for the same flight and date ( {$900.00} ). This pricing system is unfair, as it disregards the residual value of the unused portion of the original ticket. I believe I was misled at the time of purchase and am being subjected to unreasonable fees. I request that the CFPB intervene to ensure fair treatment, either by facilitating a partial refund for the unused ticket portion or enforcing a fair pricing policy for the requested change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-18 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-11-18 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to express my deep frustration and concern regarding the ongoing inaccuracies on my credit report managed by Equifax and the negative impact it has had on both my credit score and my employment opportunities as a registered nurse. 

Despite my diligent efforts to address these inaccuracies, including working with a reputable credit repair company, I have encountered serious challenges with Equifaxs dispute process. When I submitted a dispute regarding the incorrect information, Equifax stated that the information was verified. However, it is clear that no genuine verification took place. The company appears to rely on automated systems or technical scans, rather than conducting thorough investigations to confirm the accuracy of the data. This lack of proper verification is profoundly troubling. 

Moreover, Equifax has claimed that my disputes did not originate from me, which is entirely false. This claim demonstrates a lack of accountability and transparency on Equifaxs part. By failing to appropriately address legitimate disputes, Equifax is perpetuating inaccuracies that drastically lower my credit score and harm my financial standing. 

As a registered nurse, my credit score directly impacts my professional opportunities, as employers often conduct credit checks as part of the hiring process. These errors on my credit report, compounded by Equifax 's failure to investigate thoroughly, are jeopardizing my career and financial future. 

I urge the CFPB to intervene and hold Equifax accountable for ensuring that disputes are properly investigated, rather than relying on flawed automated processes. Consumers deserve a fair and transparent system to resolve inaccuracies in their credit reports without being dismissed or ignored. 

Thank you for your immediate attention to this matter. I look forward to your assistance in resolving this issue and ensuring that Equifax meets its obligations to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Selene Holdings LLC
State: FL

Complaint narrative:
XXXX  XXXX XXXX submitted fraudulent information to the credit bureau

Company response to consumer: Closed with explanation