vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband has been mobile depositing checks from his employer made out to cash. On XX/XX/XXXX we were alerted our account was low due to a duplicate transaction. We made a claim immediately. They said there was nothing they could do because whoever cashed the check trumped our mobile deposit even though that check number was deposited into our account back in XXXX. I asked to close the account with Bank of America to prevent any further fraud and they said they would still take the money from another account. We have a total of 4 accounts with them and have been with them for 25+ years. Since the initial fraud we have now been debited out of our account 3 more checks totaling the amount of {$2400.00}. Our account is now currently frozen in a negative balance and our bank refuses to help us get our funds back. We have filed a police report and have a case number but waiting for them to assign us a detective to find out who is cashing the stolen checks.

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 2024-05-29 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: GA

Complaint narrative:
I would like to file a complaint against Experian, XXXX, and XXXX for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. XXXX signed on XX/XX/XXXX stated my dispute was received, XXXX and XXXX signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to use my card, at a bank in order to get {$1000.00} XXXX XXXX  in a Lobby and was denied although my account had in excess of {$1500.00} in it and USAA had shown me that that was the limit that I could withdraw. I reached out to them and they said that they could not see the transaction. The corporate office was it decidedly unhelpful. I went to the bank today and now it says my account is inaccessible. I called back USAA and was advised that the chip in the card was bad and they would overnight me XXXX. USAA has blocked my ability to sell, my ability to transfer funds and has grossly inconvenience to me with the ability to pay my rent. They are preventing me access to my own funds and this has to be illegal. On XX/XX/XXXX I went to XXXX XXXX XXXX. Today I went to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
On multiple occasions, Mohela has given me incorrect information about my student loans. They originally quoted my monthly payment to be around $ XXXX, but when I started receiving bills, the bills were for twice that amount. Requests for explanation have been ignored. 

Additionally, because of my student loan status, I had received information from the federal govt that I qualified for the SAVE plan, and would be enrolled in it automatically. I made sure to apply for it ( more than once ) regardless. However, at some point ( without my having made any changes to my account ) I was taken off the SAVE plan and moved into another plan. I had to wait on the phone for hours before they told me they would rectify the situation. 

Now, I am getting told I am behind on a payment, BUT their website has been down for several weeks, so I am not able to make a payment regardless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I made XXXX, XXXX, and Transunion aware of info that was not accurate being reported in my consumer report on XX/XX/2024. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/ 2024 2024

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I made Equifax, XXXX, and XXXX aware of info that was not accurate being reported in my consumer report on XX/XX/year>. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: AZ

Complaint narrative:
I opened a XXXX  account a couple years ago. It's a credit building card, you never actually use credit from them, you simply use your own cash to place on the card, and it acts like a credit card. I'm sure you're aware of the company, however on my credit report it shows an open revolving account for {$1700.00}. I called XXXX and cancelled the card, they acknowledged I don't owe them any money, there's no money to owe anyway, you don't borrow from XXXX. I closed the account, but they've been unable to help me remove this " open revolving account '' from my credit report. Instead of helping my credit score, they've made it worse, how do I get this removed from the 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 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Unauthorized payments have been made to my mortgage company by phone. I have autopay on this mortgage on the XXXX of each month. They keep telling me I've been calling in to make the payments and I have NOT. Each time they do this, it over draws my bank account. This happened 3 times in XXXX and then again today. They can't tell me who is calling or what number they are calling from. I even added a password that they would have to use if someone called in. 

They don't seem to want to help or prevent any future unauthorized payments. Please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: OH

Complaint narrative:
I am writing to follow up on my recent dispute regarding unauthorized inquiries appearing on my credit report. Despite my previous correspondence, these inquiries remain unresolved and continue to impact my creditworthiness. 

Inquiry Information : Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX  Date of XXXX Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX I want to reiterate that I did not authorize these inquiries and am deeply concerned about their presence on my credit report. As a responsible consumer, I value the accuracy of my credit history and expect these unauthorized inquiries to be promptly removed.

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 2024-05-29 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: GA

Complaint narrative:
I would like to file a complaint against XXXX, Transunion, and XXXX for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. Transunion signed on XX/XX/XXXX stated my dispute was received, XXXX and XXXX signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.

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 2024-05-29 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: GA

Complaint narrative:
I would like to file a complaint against XXXX, XXXX, and Equifax for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. XXXX signed on XX/XX/XXXX stated my dispute was received, XXXX and Eqifax signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: OH

Complaint narrative:
I recently submitted a dispute for late payments on my credit report that should not be there. This was a direct dispute with the XXXX XXXX  credit buearus, not the creditor itself due to the fact they are the ones who's inserting these incorrect late payments to my report. Letting them report these incorrect late payments violates my rights under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently submitted a dispute for late payments on my credit report that should not be there. This was a direct dispute with the XXXX XXXX  credit buearus, not the creditor itself due to the fact they are the ones who's inserting these incorrect late payments to my report. Letting them report these incorrect late payments violates my rights under the FDCPA

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 2024-05-29 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: Credit Control, LLC
State: MA

Complaint narrative:
To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted. 
- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly. 
- The consumer is then notified of the changes made. 

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation. 
- Detail the steps taken to verify the {$3900.00} debt amount. 
- Provide contact details for the furnisher of this debt information. 
- Report any updates or corrections made based on the investigation findings. 

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified. 
They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.

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 2024-05-29 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information that Equifax has reported on my credit report. This erroneous information has significantly affected my credit score and, consequently, my ability to obtain credit and other financial services. 

Despite my efforts to resolve this issue directly with Equifax, including multiple disputes and requests for correction, the inaccuracies persist. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free of errors. Equifaxs continued failure to correct these inaccuracies constitutes a clear violation of my consumer rights under this federal law. Specifically, Equifax is in violation of : Section 611 ( 15 U.S.C. 1681i ) which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute being filed. 
Section 623 ( 15 U.S.C. 1681s-2 ) which requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. 
I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that Equifax complies with its legal obligations. I ask that Equifax be directed to delete the inaccurate accounts and any other erroneous information from my credit report immediately. 

Enclosed with this letter are copies of my correspondence with Equifax, including my dispute letters and their responses, as well as a copy of my credit report highlighting the inaccuracies in question. 

I trust that the CFPB will address this matter with the urgency it demands and take appropriate action against Equifax for their non-compliance. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I pulled up my credit report the week of XX/XX/XXXX, and noticed that XXXX XXXX ( XXXX ) is showing up as XXXX Hard Inquiry 's from XXXX and are doubled which NONE of these should be on my report let alone DOUBLED! 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Due to this incorrect reporting i now have showing XXXX XXXX XXXX 's that should not be on my report. 
I want all XXXX of these removed

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a formal complaint against LVNV Funding LLC regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws. 

LVNV Funding LLC is attempting to collect a debt that has passed the statute of limitations to collect debt in the state of Texas. This law is found in Section 16.004 of the Texas Civil Practice and Remedies Code. 

1. 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and accurate information about the consumer 's right to dispute the debt within the required timeframe. The initial communication did not adequately inform me of my rights to request verification of the debt. 

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collection notice sent by LVNV Funding LLC did not include the name and address of the original creditor, which is a requirement under this provision. This omission has left me unable to verify the authenticity of the debt. 

3. 12 CFR 1006.34 ( d ) : The information provided in the collection communication was overshadowed and was inconsistent with my rights to dispute the debt or request the name and address of the original creditor. This caused confusion and concern about my legal rights and the validity of the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) : LVNV Funding LLC has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing. 

Collection Agency : LVNV Funding LLC Account Number : XXXX Account Opened : XX/XX/2019 Amount of Debt : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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 do not recognize the negative accounts appearing on my credit, please remove them

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