vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
Recently, XXXX  was banned for servicing federal student loans due to financial misconduct as well as many more. The loans I have with XXXX  are private student loans due to the college I attended in XXXX in a non-profit organization. That college closed it's doors as of XXXX due to financial misconducts. My parents were pointed to XXXX  ( formerly known as XXXX XXXX ) by the college financial advisor in XXXX to cover college expenses through XXXX. At XXXX XXXX XXXX and sent out of state by the decisions of my parents as well as the lack of knowledge student loan debt would financial effect me in my future, XXXX  has poorly mismanaged my student loans. I have entered rate reduction programs that were not allocated correctly. With the loans having a covariable interest rate. that has significantly increased from the original rate. I have reached out to XXXX, who is know serviced by Mohela, and they were unaware that any documents did not transpire into my accounts inbox. Recently, statements from XXXX XXXX have been made accessible. The original loan disbursed is XX/XX/XXXX. With the recent knowledge discovered regarding XXXXXXXX XXXX loan servicing misconduct, I feel as if this misconduct was happening prior to CFPB complaint. The items brought to light regarding federal student loans are the same issues revolving around my private student loans ; costly repayment options, deprived student borrowers of opportunities to enroll in more affordable plans, steering struggling borrowers into forbearance where interest continues to accrue and capitalize XXXX illegal actions led numerous borrowers to pay additional interest charges, and much more. The misconduct of federal student loans are no different from the private student loans. I feel the verbiage is the only difference for example the IDR is the same and/or similar to the RATE REDUCTION PLAN. The criteria and outcomes are the same ; steering struggling borrowers into forbearance where interest continues to accrue and capitalize XXXX illegal actions led numerous borrowers to pay additional interest charges. I had multiple student loans with variable interest rates and monthly payments. When I made payments these were meant to cover multiple loans because the way they allocated each loan, XXXX  misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. XXXX  has tarnished my credit because of their misleading, misguiding, and inevitable way to repay their student loans. XXXXXXXX XXXX undue hardship has cost the negative credit impact, the inability to purchase a home, the inability to create a college savings plan for my child. I have also declared bankruptcy at the age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NM

Complaint narrative:
XXXX XXXX i was going to transfer some money from Cash App. Check-in account to my debit card from current. I was not able to because it said my account XXXX. It had some suspicious activity, so it was temporarily suspended. So I've been on the phone with Cash App all day today, XX/XX/XXXX back-and-forth, trying to get a reason why and what activity did they consider suspicious and for them to open my account up again so I can have access to my funds so I can pay my rent but they all tell me that. There's no further information they can give me that. It'll take 24 hours for them to respond back to me and and that's that, and I have no access to my money.And I have a XXXX XXXX XXXX dollars in there and I told them that's my rent money.It 's a lot of money, and I need answers and they're just not providing them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to verify and correct inaccuracies related to the following accounts on my credit report : XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX For the past XXXX months, I have repeatedly disputed these accounts and requested verification, yet Equifax has closed my disputes, claiming the accounts are verified as reported without providing any documentation to support these claims. 

Key Issues and Violations : Failure to Provide Validation : Despite multiple requests, Equifax has not provided any proof that these accounts belong to me, violating my rights under FCRA Section 609 ( a ) ( 1 ).

Inconsistent and Contradictory Reporting : The XXXX account is marked as Current but shows late payments, which is contradictory. The late payments make absolutely no logical sense ( attached ) The XXXX XXXX XXXX account has inconsistent high balances and a future reporting date ( XX/XX/2024 ), which is impossible. 
Inaccurate Dates and Balances : The dates of last activity and reported balances vary between bureaus, violating FCRA Section 623 ( a ) ( 1 ), which mandates accurate reporting.

Failure to Delete Unverified Information : Under FCRA Section 611 ( a ) ( 5 ) ( B ), if Equifax can not verify these accounts, they are required to delete them. Their failure to do so is a clear violation.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX failure to comply with the FCRA and mandate the immediate deletion of these accounts from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. CAINE & WEINER # XXXX. Please verify this account. Under the Fair Credit Reporting Act unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I sent in my indorsed payment coupon and I had it sent to the trustee and they havent processed my payements and they closed my account because of the returned payments from a closed bank account. They wouldnt cancel my auto pay and caused my account the automatically trigger a user violation. Even though I tried to call and stop the payment they said I had to call my bank. I let them know that I no longer used that bank so they would not speak with me. Still they closed all 3 of my accounts. This negatively impacted me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602 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 an account without my written instructions. 

15 USC 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America put a hold on some XXXX  payments i receive from customers claiming they are under review but these are customers I have history with Bank of America put holds on certain payments and I have had so much trouble getting them to help me fix it or even for them to explain the situation to me they transfer me all day long with no 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 explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally dispute an account listed on my credit report, which I reviewed on XX/XX/XXXX. This account, reported under XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX Account # XXXX, is not recognized by me and contains inaccurate information. Additionally, I previously reported an instance of identity theft, which may be related to this issue. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information reported. As this account is both unfamiliar and inaccurate, I respectfully request that it be investigated and deleted from my credit file. 

To assist in the investigation, I am prepared to provide documentation supporting my claim. Please inform me if additional information is needed. I trust that you will address this matter promptly and in compliance with FCRA guidelines. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that this account has been removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was aware that the was a collection agency saying I owe them over {$700.00} for something called XXXX XXXX XXXX XXXXXXXX but I have no knowledge of the account r ever remembering even opening this acou account I have no idea what this is from and trying to get answers is almost as hard as Finding out who open this account and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. NATIONAL CREDIT ADJUST # XXXX Please verify this account. Under the Fair Credit Reporting Act unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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 a victim of identity theft. there is fraudulent names and addresses and accounts on 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 non-monetary relief
Consumer complaint received 2024-12-08 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: DC

Complaint narrative:
XX/XX/year> I paid half of my balance on the account in an effort to improve my credit score. {$2200.00} payment. XXXX XXXX  acknowledged the payment and then denied having recived the payment back and forth 4 or six times. then they games with accessing or even discussing the account demanding my social security number and refusing to find the account based on the account number or my name, address, phone #. this is just data mining. then XXXX reported the account delinquent twice based on their internal confusion as to if they recieved the payment or not. XXXX  still refuses to correct the record and is sending derogatory information to credit reporting agencies despite the fact that I paid off half of the principal. XXXX  also refuses to negotiate a payoff and closure of the account. XXXX  reports harmful misinformation to credit reporting agencies and refuses to correct the record. XXXX extorts account holders for personal information that they have no right to access by denying access to accounts and any ability to manage accounts. XXXX  lies to account holders claiming they can't find the account based on the account number. lies, thievery, extortion, bullying ; this is not a bank its a criminal organisation.

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 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened a business credit card with American Express in XXXX using my business EIN number. No problems at all. 

In XXXX, I opened a personal XXXX and gold credit card with American Express using my SSN. I later opened a business XXXX card using my EIN number and they reported they needed my SSN number to verify my identity. 

I notice that my American Express business credit cards started to show up on my credit scores. I called American Express and asked them to verify to the last two number they had listed on the business credit cards for the EIN number. The last two numbers they provided were my SSN number and not the EIN number. I asked if American Express had their business credit card customers combine their personal American express credit cards together. They reported no, that they are kept different and are not combined. I then asked, then why did American express have my personal American express credit cards mixed in with my business credit cards and using my SSN for all the credit cards and not using my business EIN number as they were suppose to be doing from the very beginning. 

They asked me where on my account was I was able to see that ; I informed them I noticed it on my credit report. They were not able to provided me with an explanation as to why they used my SSN and basically put the blame on me and stated " I should have changed it from the very beginning to my EIN and if I wanted to changed it ; I would need to close out the cards and reapply. '' I was furious as I had originally applied with my EIN number and they scammed me asking me for my SSN to " verify '' my identity. 

They have not ruined my credit score, had charged interests on my business credit cards, have declined payments on credit cards that have " no spending limits '' yet inform me that the payments were declined due to " spending over my limit '' - how can I spend over my limit when the card clearly states 'there is no spending limit. '' They then started decreasing the credit limits on my other credit cards even though there was no balance due and even when payments were being made on time and " no balance due at this time '' was indicated in the account. They also informed me I was able to receive up to 5 employee business cards with no membership fees ; I ordered two cards and then was charged a {$350.00} membership fee for each card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 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: NY

Complaint narrative:
Dear CFPB : I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : - All of my hard inquiries need to be removed. 

XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX The following collection agencies have been harassing me. 

XXXX XXXX XXXX Needs attention {$1000.00} XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX error Needs attention {$640.00} Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB : I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : - All of my hard inquiries need to be removed. 

XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX The following collection agencies have been harassing me. 

XXXX XXXX XXXX Needs attention {$1000.00} XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX error Needs attention {$640.00} Thank you for your assistance. 

Sincerely,

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 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: OR

Complaint narrative:
I closed my account with Netspend earlier this year over the phone. The call operator tried multiple times to ask me if I was sure or upsell financial products or promotions to me. I declined all of them, said I just wanted to close the account, and she said she was closing my account. 
In the following months I received at least 2 new cards in the mail from them. The first one I threw away. The second I sent back in the mail around XX/XX/XXXX with a letter that read " Take me off your mailing list. Do not contact me again. '' On XX/XX/XXXX I received an email from them stating that my card has been blocked and reported stolen. I was confused but hoped it was a way to end the process of sending me new cards. 
Today, XX/XX/XXXX, I received a new card in the mail from 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 explanation
Consumer complaint received 2024-12-08 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I have some unknown unrecognizable inquiries on my XXXX credit report That i did ortherize. The inquiries are XXXX XXXX XXXX XXXX date XX/XX/year>, XXXX XXXX  date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have some unknown unrecognizable inquiries on my XXXX credit report That i did ortherize. The inquiries are XXXX XXXX XXXX XXXX date XX/XX/year>, Ally financial date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year>.

Company response to consumer: Closed with explanation