vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
The bank closed my account for no reason and wouldn't give me a reason for the closing. Any time I asked about why they said they were not allowed to discuss the matter. When I asked foe senior management they said there was nobody that I could talk to. I'm not the kind of person to cry about things but when I have money in my account and they tell me it's being closed for no reason and won't give me a reason is fishy and unprofessional.

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 2023-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: NE

Complaint narrative:
I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I received and promptly paid an invoice from XXXX XXXX. After having paid that invoice, I received a separate bill from XXXX XXXX XXXX, XXXX. I was confused, because I believed I had paid my bill in full. I called XXXX to ask if I did have a balance, and they confirmed that I did not and that my account was paid in full. Additionally, the person I spoke with seemed to be unfamiliar with XXXX XXXX XXXX, PC. I ignored the bill because it seemed to be a scam ; a XXXX search for the company yielded vague results along with several people citing the company as being illegitimate. 
Then, on XX/XX/XXXX, more than a year after I went to the XXXX, a company named Kansas Counselors , Inc. ( KCI ) sent me an account balance for {$210.00} and is attempting to collect a debt. I do not know this company, and they did not provide me with enough information to verify that the debt is valid. This is the 2nd communication that I have had regarding this bill ; in spite of having 3 different phone numbers to contact me, my email address, and my mailing address, no attempt was made to collect after they sent the initial bill. 
I contacted XXXX XXXX in XXXX, XXXX, and all they could tell me was that their XXXX  providers bill separately. I asked why they did not tell me I would be receiving 2 bills, or why they weren't able to give me information about their billing practices when I called more than a year ago. They did not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I qualify for PSLF forgiveness. I have well over 120 qualifying payments and have been a publis school teacher for 20 years. 

I filed for PSLF XX/XX/22. 
My employment has been certified. 

Nelnet has not moved my plans over to XXXX. XXXX has requested the loans five times. 

I have been on the phone with both Nelnet and XXXX numerous times. This process should have only taken 30 days. It's now been over 10 months. 

I want my loans moved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During course of home addition/ remodel I took out 4 promotional. loans last year.

Promotional APR 1.99 %. XXXX. {$21000.00}. XX/XX/XXXXXXXX  " " 0.00 %. XXXX. {$11000.00}. XX/XX/XXXXXXXX  " " 1.99 %. XXXXXXXX  {$23000.00}. XXXX " " 0.00 %. XXXX {$10000.00}. XX/XX/XXXX I have been paying the minimum payment and the total new purchases every month The first loan XXXX was due XX/XX/XXXX so I called and was told to pay the minimum payment, new purchases and a separate payment for the loan we made 3 separate electronic payments {$810.00}, {$4300.00} and loan current amt due {$8700.00} The next billing cycle the XXXX loan was removed as paid, but {$7500.00} was place under a loan at 20.99 % Behold?? My recent balance reduced to {$3600.00} at the 20.99 % rate The contract says min payments will be applied by APR rate Bottom line even if you pay off each individual loan on date due they put you in the 20.99 % rate which is dishonest I would like to be refunded the additional interest and I will pay all loans off I have been working with XXXX XXXX XXXX ext XXXX with? results I think BoA is being misleading and dishonest with consumers they want to get their pound of flesh ( 20.99 % interest rate ). I have had this credit card for almost 40 years Apparently they have a clause min payment is applied to lowest rate balance and payment over the min is applied your highest rate balance regardless when loan due??? 

Your help is appreciated 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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My phone, ID, and Truist debit card were stolen and used to drain my checking account. Whoever had access to my phone had access to my debit pin, and my phone as it has no passcode on it. Due to that, the suspect was able to respond to, and authorize fraud alerts for large cash withdrawals. I filed a dispute with my bank ( Truist ), but they have denied my claim. I can not afford to lose that money as it was everything I had.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear CFPB! 
My bank closed my checking account and promised to send checks back to me in XXXX. The amount is XXXX . But I havent received it after three months. Every time I tried to reach out to the bank, the representative told me there was no update. 
This is very frustrating and confusing. Please look into my case and help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I've reviewed my credit report and I noticed some inquiries that are not mine. 
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 non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint regarding inaccurate personal information on my credit report, which is being reported by Experian Credit Bureau. The incorrect information pertains to my address, name, date of birth, and employment history.

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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been using capital one for more than 15 years. They currently froze my account. They said I needed to send them a copy of my drivers license, Social Security card, and proof of residency. So many scams out there I'm not real comfortable sending a picture of my Social Security card. Do I have to do that? Can they asked me to do that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, The listed accounts below are reporting inaccurately on my consumer report and are violating my rights also my rights to privacy and confidentiality under 15 USC 1681. Experian Credit reporting agency has failed and violated my rights protected under the FCRA, by continuing to report negative and inaccurate information on my consumer report, where I the consumer did not give ANYONE PERMISSION TO SHARE ANY INFORMATION CONCERNING ANY TRANSACTIONS OR EXPERIENCES WITH ANY OF THE COMPANIES MENTIONED BELOW. NOR DO I RECOGNIZE THE ALLEGED DEBT ASSOCIATED WITH ( XXXX XXXX XXXX acct # XXXX ) WHERE EXPERIAN HAS FAILED TO HAVE XXXX SEND PROOF TO VALIDATE THE ALLEGED DEBT. 

Furthermore, Experian is Reporting an alleged late payment associated with ( XXXX XXXX XXXX, which is also in violation of my rights under FCRA. 

Account name : XXXX XXXX XXXX XXXX, acct # XXXX Account name : XXXX XXXX XXXX, acct # XXXX Account name : XXXX XXXX, acct # XXXX THE ABOVE MENTIONED ACCOUNTS ARE BEING REPORTED WRONGLY AND INACURRATELY, AND 15 USC 1681 section 602 A, STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written permission/ instructions.

15USC 1681 C, ( A ) ( 5 ) STATES '' NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINNING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 BELIEF THAT THE INFORMATION IS INACCURATE.

THESE INACCURACIES IS AFFECTING MY CREDIT SCORE AND MY CHARACTER WHICH PREVENTS ME FROM OBTAINING CREDIT AND ULTIMATELY AFFECTING MY MODE OF LIVING AS A LAWFUL CITIZEN.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
got a copy of my credit report some time ago and realized the credit bureuas are reporting an account as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : I WAS NEVER LATE ON THIS ACCOUNT XXXX  Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
`In accordance to the Fair credit reporting act this creditor XXXXXXXX XXXXk and XXXX XX/XX/2023 has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the Experian, XXXX and XXXX to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A States I have the right to Privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer Reporting Agency Can not Furnish a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have 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 explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I've reviewed my credit report and I noticed some inquiries that are not mine. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I've reviewed my credit report and I noticed some inquiries that are not mine. 
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 non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I first learned of this Collection in XX/XX/XXXX when it appeared on my credit report. I was unable to find much information and unable to get information from Harvard Collections. I filed disputes with the credit bureaus. The collection was removed from my credit report in XX/XX/XXXX. I have not received so much as a phone call, let alone a letter or bill from Harvard Collection Service between XX/XX/XXXX and today. XX/XX/XXXX, Harvard Collection Service once again puts this same Collection on my Credit Report, which apparently stems from an alleged outstanding bill with the State of Illinois and has been an unpaid {$20.00} Collection since XX/XX/XXXX ( original creditor and date of XX/XX/XXXX finally showed up this time around. ) First of all I have not lived in the state of Illinois since XX/XX/XXXX. I was never aware of an outstanding bill of any type with the state and do not know the original origin of this outstanding bill. How does it take over 14 years to appear as a Collection on my credit report? 

Second, I filed XXXX XXXX Bankruptcy in XX/XX/XXXX, which was discharged XX/XX/XXXX. If I had known of this debt and was unable to pay this debt, it would have been included in the bankruptcy. 

Third, as previously stated, I have never received a phone call, bill, or letter about this alleged debt/collection. I can get no information from the company. I dont understand how a debt collection agency can refuse to provide any information but is able to report these things as a Collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
I received a letter from Certified Solutions stating I had an account that.was placed for collections. The letter listed a date of service, an account number, my name, a file number, and the balance due. In the body of the letter the was also a phone number to call Toll free for questions and a 24 hour automated customer service number. No where in this letter was listed thr name of the original creditor. So I called the toll free number and was told to hold for a person then the line was disconnected I tried this 2 times. Then I called the 24 hour line and was asked for my account number, which I put in, per the letter, then it asked me for my last 4 of my social security number. Well I don't give that out without more information so I hung up. I have 2 different letters with 2 different dates of service with no creditor information on them how can I verify that this is even my debt like this? XXXX  there is no information of how i can dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Unauthorized Inquires

Company response to consumer: Closed with explanation