vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card debt with Bank of America and was not able to pay so I hired XXXX and paid them a fee to settle the debt for a lesser amount than that which was owed. XXXX negotiated a settlement amount and terms which I agreed to, and I paid to XXXX for two years at which time I received a notice that the settlement was complete and my debt was resolved with Bank of America. BofA now claims that I still owe {$18000.00}. I paid a total to XXXX of {$22000.00} for Bof A and {$7700.00} in fees to XXXX. I have been in contact with both XXXX and Bof A and both groups refuse to do anything about the problem. I am at this time seeking help from cfpb to resolve this situation. 

Sincerely 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 2024-12-17 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2024-12-17 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: Source Receivables Management LLC
State: GA

Complaint narrative:
The Fair Credit Reporting Act, specifically 15 USC 1681 section 602, emphasizes the necessity for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and a commitment to safeguarding the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information remains confidential, a right supported by 15 USC 6801, which articulates that it is the policy of Congress for each financial institution to maintain an ongoing obligation to respect customer privacy and to protect the security and confidentiality of their nonpublic personal information. Under this statute, a " furnisher of information to credit agencies '' qualifies as a financial institution.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only under specific circumstances, including adherence to the written instructions of the consumer involved. Neither XXXX nor XXXX, as consumer reporting agencies, possess my consent to disclose my information, nor do they have any written authorization from me. I hereby revoke any and all forms of consentbe it verbal, non-verbal, written, implied, or otherwisethat may have been granted to XXXX, XXXX, or any other furnisher of information to credit agencies. 

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise their nondisclosure option. I was never made aware of my right to opt for nondisclosure. Moreover, 15 USC 1681c ( a ) ( 5 ) states that, except as permitted under subsection ( b ), no consumer reporting agency may produce a consumer report that includes certain adverse information.

It is prohibited by law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), " No individual shall provide any information pertaining to a consumer to any consumer reporting agency if the individual is aware or has reasonable grounds to suspect that the information is inaccurate. '' Furthermore, 15 U.S. Code 1681e mandates that " Each consumer reporting agency must implement reasonable procedures aimed at preventing violations of section 1681c of this title and to restrict the provision of consumer reports to the purposes specified in section 1681b of this title. '' It appears that XXXX and XXXX are failing to uphold reasonable procedures. Additionally, 12 CFR 1016.7 asserts that " A consumer has the right to opt out at any time. '' Therefore, I am exercising my right to opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 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 2024-12-17 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: FL

Complaint narrative:
By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2024-12-17 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Muskegon Car Credit, Inc.
State: IN

Complaint narrative:
In XXXX I purchased a minivan from a dealership in XXXX XXXX, Michigan that got me financed through Orbit leasing. 

Less than 2 months after purchasing the vehicle the transmission went out and I voluntarily surrendered the vehicle because I couldnt afford the $ XXXX monthly payment and a {$7000.00} transmission. 

The debt is listed on my credit report as voluntary surrendered. 

The problem is Orbit leasing is re-aging the debt on my credit report to keep the debt on there. 

It should have come off on its own but hasnt and I would like this debt removed. 

They have changed the date from XXXX, to XXXX, then XXXX and now if Im not mistaken it reads XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Account was closed mid XXXX. Payment of {$9.00} was charged on XX/XX/year> and a second charge of {$9.00} on XX/XX/year>. Tried to pay again today a charge of {$10.00} through their site and within a few minutes after the payment was successful they canceled the payment. It is starting to seem like kohl 's is using deceptive practices to charge fake fees to keep this account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Name : XXXX XXXX Business Name : XXXX XXXX XXXX ( XXXX  ) On XX/XX/year>, I, XXXX XXXX, the owner of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, discovered unauthorized transactions originating from my business account at Wells Fargo. These transactions involved ACH business-to-business transfers, totaling over {$110000.00} USD. Neither XXXX XXXX XXXX ( XXXX ) nor I have any affiliation with the recipient accounts, and we have no knowledge or consent of these charges. The fraudulent transactions were carried out by an anonymous entity. The unauthorized transfers were promptly reported to Wells Fargo on XX/XX/year>. I am requesting the initiation of a formal investigation to recover the stolen funds and identify the individuals responsible. I have reported this too Wells Fargo was reported this fraud. They have gave me only XXXX back to me out of the whole amount and have closed off the claim. 
Details of Fraudulent Activity : Bank Name : Wells Fargo Type of Transactions : ACH business-to-business transfers Total Estimated Amount : $ XXXX USD Date Reported to Bank : XX/XX/year> Request : I am filing this report to formally document the fraudulent activity and to request the assistance of law enforcement in investigating this matter, recovering the stolen funds, and apprehending those responsible for the unauthorized transactions. Thank you for your time and attention. 
Signature : 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Second Request for Investigation and Immediate Correction Account # XXXX Dear CFPB, This letter serves as a formal follow-up to my dispute submitted on XX/XX/year>, regarding account # XXXX. The reported 30-day, 60-day, and 90-day late payments for XXXX, XXXX, and XX/XX/year> on my TransUnion credit report are completely inaccurate and unfounded. 
Legal Basis for My Dispute 15 USC 1681i ( a ) : You are required to conduct a thorough and accurate investigation within 30 days.

15 USC 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of reported data. 
Attached Documentation Copy of government-issued ID Social Security Number for identity verification Proof of address Relevant section of my credit report Requested Actions Update the account to reflect " Paid As Agreed, Never Late '' or provide verifiable proof supporting the late payment claims. 
Provide me with the detailed procedures used during your previous investigation after XX/XX/year>, as per 15 USC 1681i ( a ) ( 7 ). 
Comply with the FCRA timeline and respond within 30 days. 
If no corrective action is taken, I will escalate this matter to the CFPB and pursue further legal remedies. 
Sincerely, 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 2024-12-17 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-17 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-17 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:
There are inaccurate inquiries on my credit Experian Credit Report that do not belong there : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX  - XX/XX/year> Also, please note that my name is listed incorrectly on my XXXX credit report. 
My name should be listed as XXXX XXXX XXXX. 
Please remove the name XXXX XXXX from my Experian Credit Report as well as the name XXXX XXXX from my Experian Credit Report.

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 2024-12-17 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that all 
accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c2(a) and FCRA  605(b). These accounts were opened fraudulently without my authorization and 
I request their immediate removal.
The accounts in question are:
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 non-monetary relief
Consumer complaint received 2024-12-17 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: MOHELA
State: IL

Complaint narrative:
My loans in Mohela have been in forebearance for the save plan accruing no interest. On XXXXXXXX XXXX XXXX I received a letter from Mohela that interest would still acrrue. This contradicts what the federal government and studentaid.com says about the SAVE forebearance. 
Today, XXXX XXXX my loans have all increased and have had interest added. I believe this interest amount is equal to the interest I should've been charged while in forebearance. I should not be back charged for this interest and have tried to get in contact with Mohela but no one has been available on their phones. 
My loan info that is correct on the student aid website is listed below.

Loan Balance Current Interest 1 {$3400.00} {$0.00} 2 {$1100.00} {$0.00} 3 {$4400.00} {$15.00} 4 {$2000.00} {$41.00} 5 {$5500.00} {$60.00} 6 {$2000.00} {$29.00} 7 {$5500.00} {$59.00} 8 {$2000.00} {$26.00} {$26000.00} {$230.00} The info listed on Mohela which is incorrect is below Loan Balance Current Interest 1 {$3500.00} {$87.00} 2 {$1100.00} {$0.00} 3 {$4500.00} {$100.00} 4 {$2000.00} {$71.00} 5 {$5500.00} {$120.00} 6 {$2000.00} {$44.00} 7 {$5500.00} {$71.00} 8 {$2000.00} {$25.00} {$26000.00} {$520.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perpay, Inc.
State: IL

Complaint narrative:
This is not my account. I have no knowledge of this account. 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Yes I need this case number Wells Fargo case number : XXXX To be reopen and investigation again I did contact the fraudulent department but they couldnt help me fix my issue please help fix my issue and this is the support case number they give me Case number XXXX I have send the statement of the issues and screenshot of the issues to wellsfargoXXXXwellsfargo.com I am attempting to restore my XXXX account, but I'm unable to use my phone number XXXX or my email address XXXX for enrollment. Please unblock both the phone number and the email so I can proceed with the registration. I've attached a screenshot detailing the issues I'm experiencing. Thank you for your assistance or automatically enroll the email XXXX and phone number XXXX for me into account number XXXX if yall cant unblock the email or phone number or automatically enroll it for me please tell me what bank blocked the email and online number and username is XXXX etc.

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 2024-12-17 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: TX

Complaint narrative:
I woke up this morning and discovered inaccurate accounts on my credit report. I dont understand how this could happen. I check my credit report regularly, but this time, there were errors that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Im begging for the documents I sent to be reviewed carefully so I can stop living in constant fear over this.

Company response to consumer: Closed with non-monetary relief