vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: MI

Complaint narrative:
Re : Urgent Dispute of Unauthorized Reporting Under 15 U.S. Code 1681b Dear [ Furnisher ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: LA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to escalate a complaint against Discover Bank and to seek immediate resolution regarding the unwarranted restrictions placed on my phone number and email, which have blocked my ability to use XXXX with my XXXX Bank account. 
This issue began on XX/XX/2022, immediately after I switched wireless providers. As soon as the porting of my phone numbers was completed, I received an email from XXXX informing me that my phone number ( XXXX ) and email address ( XXXX ) had been removed from my XXXX profile at XXXX. When I attempted to re-add both my number and email, I received an error message ( error code XXXX  ) stating that neither my phone number nor email could be used with XXXX. Additionally, I received a text message indicating that my phone number had been removed from my XXXX profile. 
Since that time, I have tried to add various email addresses and phone numbers to my XXXX profile, but each time I receive the same error. I contacted XXXX customer support on multiple occasions, but each time they referred me to XXXX customer service, claiming that XXXX could fix the issue. However, XXXX has since confirmed that neither my phone number nor email address is restricted on their end. They referred me back to XXXX for a solution. 
After further investigation, XXXX and XXXX informed me that Discover Bank is the institution responsible for placing the restriction on my phone number. Despite contacting Discover Bank numerous times, they have failed to remove this restriction, which is preventing me from enrolling in XXXX and managing my finances through XXXX Bank. 
It is important to note that there has never been any fraudulent activity associated with my phone number or email. The restriction was placed automatically by Discover when I switched wireless providers, and it continues to impact my entire XXXX profile by preventing me from using any phone number or email to enroll in XXXX. 
I no longer bank with Discover, having closed both my checking and savings accounts with them, and there is absolutely no reason for them to continue imposing this restriction. The unjustified restriction has caused significant disruption in my life and continues to hinder my financial transactions through XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
In XXXX I requested debt validation from FCO regarding alleged debt XXXX XXXX XXXXXXXX. The company responded that they would send documentation, but nothing has been received. I do not believe I owe this debt. I also question their inability to prove otherwise based on their recent CFPB settlement in part for " failing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate. In addition, the Bureau alleged that FCO and XXXX violated the Fair Debt Collection Practices Act when FCO represented that consumers owed certain debts when, in fact, FCO did not have a reasonable basis to assert that the consumers owed those debts. ''

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 2024-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have sent upwards of 15+ emails to FirstMark Services and have received no correspondence back. I've asked about payment changes, incorrect payment amounts they mailed me and then proceeded to take more money out. Their phone-number doesn't allow to actually get through. It asks for soc, birth date, and zip code and after entering it just says " sorry your info wasn't found ''. 

I have tried every option except physically mailing FirstMark services. 

I have sent 15+ emails since XXXXXXXX XXXX XXXX and the only response I received was " we apologize for any confusion, customer feedback is critical to FirstMark services ''. I have had no actual communication from this company about anything I've asked and I don't know what else to do. 

XX/XX/XXXX - FirstMark communicates my payments are {$420.00} a month after my loan is sold to them ( I was previously paying {$520.00} a month ) XX/XX/XXXX - {$580.00} is withdrawn from my bank account XX/XX/XXXX - I reach out and ask what my payments are, why was incorrect info communicated, what my payment is, why it raised since loan transfer, etc. ( Total of 5 emails sent throughout the day ) XX/XX/XXXX - FirstMark responds that " XXXX is the payment needed to cover my loan in full '', XX/XX/XXXX I respond with the same questions I asked on XX/XX/XXXX since they are still unanswered XX/XX/XXXX - I follow up ; no response XX/XX/XXXX - I follow up later in the day ; no response XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no resopnse At this point, I called and couldn't get through and gave up on trying to get communication back. 

XX/XX/XXXX - I receive a message that my loan status was corrected and an error has been received XX/XX/XXXX - I followed up to no resposne XX/XX/XXXX - I receive a message that my " 12-month post-transer interim repayment plan is sending and it's no longer offered by my lender and that I'llg et a new monthly payment amount. 
XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-06 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NH

Complaint narrative:
On XX/XX/year>, the Concora credit company ( Milestone Credit Card ) charged me twice for my payment of the full balance of my credit card. I submitted a payment to pay off the balance of my credit card and they charged me twice for the full payment of my balance. I contacted the credit card company and requested that they refund me the overpayment as my credit account was showing a negative balance of XXXX dollars. The company informed me that they could process the refund, but that it would take 45 days for me to get the money back. I requested that they send me information on how to submit a written request for a refund as they are legally obligation to refund money from a written request within 7 days. They did not provide me with this information and there is no option on my online account with them to submit a written request. I asked again how they could take 45 days to refund me money when they are able to take payments on my card within XXXX days, they said no matter what it will take 45 days. I ended up disputing the transaction with my bank becuase XXXX refused to provide me with information as to why the refund would take so long or how could get the money faster. I believe they are attempting to earn interest on overpayments that consumers are making on credit cards and not obliging by the laws of refunds for overpayments as there is no option to submit a formal written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-06 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: SC

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 non-monetary relief
Consumer complaint received 2024-09-06 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: SC

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 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This debt was sold to a 3rd party with my information that I did not approve of no acknowledment of debt. Please remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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 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 non-monetary relief
Consumer complaint received 2024-09-06 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: FL

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank put a restricition on my account. I went to the branch on Saturday XX/XX/24 and deposited {$500.00}. The teller said the account was restricted and still took the deposit. I was told later that she was suppose to call it in since the account was restricted. On XX/XX/24 I received an e-mail stated that my account was overdrawn and I immediately went to the branch in XXXX XXXX, California and made a deposit. Again the teller did not call in when the account was on restriction. On my way home, I couldn't understand what was going on and stopped by the branch in XXXX, California. Since my account was restricted I couldn't see what was going on. I asked for a balance sheet and none of my deposits were added to my account and I could not get any of my money. I was mad at the representative and she told me that my account was closed and I could come into the branch the next day to get my money. I did go into the branch but was told that the account was restricted and they could not give me my money. I was also told that my deposit from XXXX was returned which he was never done. My deposit of {$500.00} was not credited to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This complaint to BK OF AMER for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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