vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received a letter with the return address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX addressed to me at my home address. 
The letter was on Bank of America Letterhead with their offical looking logo in the right corner. 

The letter stated the following : XX/XX/XXXX This notice is provided to you as the named account holder for a prepaid debit card ( " card '' ) issued by Bank of America , N.A . ( " we '' or " us '' ) on behalf of your state 's agency responsible for XXXX XXXX  or-other benefits payments. 

After a recent review of your card account, it was determined that fees related to calls you made to Us may have been inadvertently charged to your card account. amount of crediting your card account in {$2.00} to reimburse those fees to you. We apologize our service did not meet your expectations.

If your card account is closed or you would like to request a check for the remaining balance of your card, including the amount we have credited to your card account, you may call us at XXXX, XXXX hours XXXX days a week, to request a check. 

If your card account is blocked, we can work with you to see we can release the block on card account, which may include asking you questions or asking you tO take other steps to authenticate your identity. Please call us at XXXX, XXXX hours a day, days a week, you are interested in seeing if we can release this block on this card account and assist you XXXX accessing any funds remaining in your card account, including the amount we have credited your card account. 

The footer of the letter had the following identification marks : XXXX ( left footer ) XXXX ( right footer ) I contacted BoA and they were unable to locate my name or SSN in their database. I do NOT recall opening an account, applying for any type of state benefits. My only interaction with BoA was in XXXX, my employer provided us with a prepaid debit card for work expenses during a work trip. I returned the card to my employer and have not used in since XXXX. 

I believe this to be a fraudulent letter. I did not call any numbers listed on the letter, rather I contacted BoA through official channels.

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 monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear XXXX XXXX  & PNC Bank , Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX resident. In XXXX XXXX XXXX residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: Nelnet, Inc.
State: TX

Complaint narrative:
A total of XXXX out of XXXX unauthorized payments has been taken out of my checking account. The bank credited me the last XXXX. 
XX/XX/year> {$72.00} XX/XX/year> {$200.00} XX/XX/year> {$50.00} XX/XX/year> {$140.00} I am not disputing the ACH 's dated XX/XX/XXXX and XX/XX/year> both for {$250.00} each. I received statements for both. 
The XXXX payments above totaling {$470.00} are not reflecting on Nelnet 's payment history for my account. 
A copy of payment history from my bank is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account XXXX Was Deleted From My Credit Report in 2022 and now have been reinserted back on Credit Report .I am not Liable for this Debt and have not signed any Contract with XXXX XXXX XXXX XXXX..I demand this Account be removed once again I was Not notified of this reinsertion of this previously deleted item. 
By Law I Demand you delete reinserted items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company posted this debt to my Consumer Report without letting me know that they bought the debt, or that I allegedly owed the debt. Therefore, it should be deleted due to its standing invalidity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NC

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 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to a XX/XX/XXXX atm machine which I was referred to by Cash App to withdraw {$100.00}. I selected my money in the transaction and the machine was starting to dispense my money when the screen went black and said server shutdown.I did not receive the cash but the {$100.00} was deducted from my cash app. 
I immediately tried contacting customer service at Cash App ( which is impossible ) while I waited for 45 min in the XX/XX/XXXX to see if the machine would come on and I could get my cash. It came on but when I tried to withdraw the funds it said I didnt have funds available cash app already deducted the {$100.00}. I filed a claim over the phone, and in the app. The representative said he'd be able to override the system once I did a claim, I said I already had. He then said he couldn't override the system to put my money back in.I asked to speak to a supervisor I was stranded 30 mi from home XXXX XXXX XXXX XXXX, my battery went out in my car so I came to get the cash to pay for the battery. I was on hold 30 min where the rep said he's waiting for a mgr to walk over to him. After another 15 min on hold I was told there's no supervisor that can speak to me I'll have to wait for a call. I said no I'll hold until one is, then the rep said there's no supervisor to talk to you and I'm closing your claim and HUNG UP on me. 
He did close my claim because I wanted a mgr. I opened another right away and went from person to person the only way you get a mgr is to request one they email you but you're not speaking to anyone you get a generic answer the same as in the support section of the app not even addressing the claim. 
I called the atm co ftc and was provided the transaction receipt showing, date, time amount, the receipt says : Error management hardware detection, monitor lights red and error the application is out of service. I was told by atm co cash app needs to file a regulation E complaint and contact them so I can be refunded. 
I emailed, called, text in the app the only answer I ever get is there's no new information on your claim it can take up to 45 days. I was told by cash app and the atm co that cash claims are priority and are usually handled right away within 10 days. 
I have been emailing and texting in the app every day asking for a mg or update, all I get is the computer mess about taking up to 45 days. I received a credit of {$2.00} the fee for using the atm cash app charges, on XX/XX/XXXX but not my {$100.00}. I emailed a mgr asking why I didn't receive the rest clearly they were working on my claim and AGAIN was told it could take up to 45 days. I don't understand how this huge co does not have a live mgr you can speak to only people working from home that have no clue about claims, or any other information about cash app,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
LEXIS NEXIS received my completed form and identification information but is refusing to provide the free annual report. 

LEXIS NEXIS does not want to provide me their annual report as they have stated " unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' LEXIS NEXIS is on my XXXX report under " soft inquiry '' LEXIS NEXIS is permitted to look into my financial privacy, without my permission or consent, but now when I ask to see the information they have created about me, they don't want to provide the information? 

Maybe LEXIS NEXIS forgot that I was an XXXX customer that had a insurance policy for the 2007 XXXX XXXX which was canceled with no explanation provided. The policy was canceled shortly after I refused to sign a affirmation document presented to me at the XXXX NY XXXX agency because it had false identification information about me and my daughter. LEXIS NEXIS provides information to insurance companies in New York State. After the XXXX policy was canceled LEXIS NEXIS made sure that I could not open another policy with a different insurance provider. I was refused a policy by XXXX XXXX and priced out of the market by the other carriers. My daughter could not drive the car for a few months until a new policy was issued to her as the new owner of the asset. 

Will L ; EXIS NEXIS provide accurate information or false information in the annual report? I can not correct what I can not see.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states I have a right to privacy .15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: CL Holdings LLC
State: OH

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states I have a right to privacy .15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a letter stating XXXX XXXX XXXX is trying to obtain funds for a previous pay day loan. The letter states they have reduced the original amount of {$3400.00} to {$490.00}. for closure of loan. The letter also states an erroneous credit score. I have contacted XXXX, XXXX and XXXX. They have no submitted reports regarding any delinquent pay day loans. 
May it be known I never applied for or received any monies from a pay day loan. 
I have no knowledge of a Check n Go pay day loan establishment. 
My bank was never contacted for funds or issued a NSF notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: Tally Technologies
State: IL

Complaint narrative:
I opened up a line of credit with Tally Technologies and the debt has been canceled. XXXX is the only agency still reporting this debt to my credit report. 

XXXX. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX is the only agency reporting this account. 

XXXX. I received a copy B of a 1099C showing that the debt has been canceled. 

This is inaccurate reporting and should be 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 2024-01-27 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:
This is a Request for the Procedures used to come to the conclusion that my dispute I submitted on XX/XX/2023 and your office verified my dispute that I received the results for on XX/XX/2023. I submitted my dispute via CFPB # XXXX on XX/XX/2023. 
The account is listed below in which I demand be deleted because it is violating my PRIVACY RIGHTS. 
" XXXX XXXX XXXX XXXX XXXX .... 

I demand this account be deleted in accordance with FCRA Section 602 which states I have a right to pri act and Section 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without my written instructions. The Gramm- Leach - Blilley Act Section 6801,6802 as well.

I am submitting my Request for the Procedures used to verify/ update Trade : XXXX XXXX XXXX XXXX XXXXXXXX ... ... demanding that it be deleted from my Equifax Credit Report because It is violating my privacy rights and has NOTHING to do with the reason Equifax stated was the reason for verifying this account reporting illegally on my credit report.

The reason Equifax stated was that : " THIS ACCOUNT BELONGS TO YOU '' My dispute has NOTHING to do with whether or not this account belongs to me.

I use the absurd reason for verifying as PROOF that Equifax has totally IGNORED the basis of my dispute. Equifax is acting in BAD FAITH and I am now requesting the name ( s ) of the person ( s ) you spoke with along with their telephone number ( s ) and address along with the procedures that were used that led to the conclusion that this account be verified/ updated.

I make this Request in accordance with FCRA 611 ( a ) ( 6 ) B ) ( III ) and FCRA 611 ( A ) ( 7 ) that I understand states I should receive in XXXX  Days or you will be violating FEDERAL LAW and I could also use in a COURT of Law and sue Equifax for {$1000.00} if I do not receive all the information in a timely manner ( XXXX  Days ).

I am asserting my rights based upon Equifax failure to fulfill it's reinvestigation requirements and thus is required to delete XXXX XXXX XXXX XXXX XXXX... .. due to lack of verification. 
Delete account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have tried to receive a refund regarding a purchase for {$20.00} on XX/XX/2023 that was not delivered by XXXX XXXX. I tried multiple times by chat and by phone to be refunded by XXXX XXXX  and was told the order was not eligible for a refund. I then started a dispute with Citibank. XXXX responded by sending Citi a copy of my receipt and no proof they delivered what was ordered. Citi now says Im responsible for the charge and to contact XXXX for a refund. I have photo and video proof that what I ordered was not delivered by XXXX driver. I also have copies of correspondence with Citi. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 2024-01-27 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: IN

Complaint narrative:
I have been a victim of identity theft In accordance with the Fair Credit Reporting act Transunion has violated my rights. 15 U.SC. 1681 Section 602 A. 
States I have a 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 on inquiries without my written consent or instructions. 


Please remove all inquiries

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 2024-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital says that I have a collection with them that I opened I XXXX  with XXXX and this is false information and I want it removed off my credit

Company response to consumer: Closed with explanation