vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
Two credit reporting agencies are reporting incorrect information on my credit report. They are reporting a Bankruptcy that is not mine. I sent them what I found on file under my name, but it is not my bankruptcy. The address on the Bankruptcy petition is not my address and I sent them the petition. I asked them to validate the information they have and sent my identification and notarized each letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX I submitted a dispute to experian regarding account XXXX from XXXX XXXXXXXX on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number made with experian XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of XXXX to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a XXXX XXXX XXXX XXXX was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent XXXXXXXX XXXX account, which I did.. I also sent documentation to TransUnion, XXXX and XXXX. XXXX XXXX 41 days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. TransUnion, XXXX and XXXX are not willing to fix my credit ( eliminate the XXXX XXXX XXXX XXXX and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only fraud alert is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( XXXX XXXX, XXXX, TransUnion, XXXX ). 

Can't these people understand that it makes no sense for me to open a XXXX XXXXXXXX XXXX XXXX a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????

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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX  I submitted a dispute to XXXX regarding the account XXXX with MIDLAND CREDIT MANAGEMENT in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a call from Wells Fargo XXXX XXXX at XXXX claiming that someone was trying to cash a check written on my account. They gave me a reference number XXXX. I called the number and they asked me for my account information to verify my account. Once I gave them the information they hung up. I called back and was transferred to another department and was hung up on again. I finally looked up the phone number on the Wells Fargo website and they said that the XXXX number was not a Wells Fargo number and that the reference number was not valid. I closed the account immediately.

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Urgent Complaint : Unresolved ACH Fraudulent Withdrawal and Lack of Response from Bank of America Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Bank of America for their gross negligence and inadequate handling of a fraudulent ACH withdrawal of {$1200.00} from my account on XX/XX/2023. Despite reporting the incident immediately, I have been met with silence, delays, and a complete lack of resolution for over two months. 

Upon discovering the unauthorized withdrawal, I contacted Bank of America customer service on XXXXXXXX XXXX. The representative confirmed the fraudulent transaction and I was instructed to file a formal ACH Fraud Claim online, which I did immediately. 

Since then, I have called Bank of America every week for an update on the investigation and my stolen funds. Each time, I am met with automated prompts, long wait times, and inconsistent information. Despite resubmitting the ACH Fraud Claim form multiple times upon request, I have not received any official communication from the bank regarding the progress of the investigation or the status of my claim.

Unacceptable Service and Devastating Consequences : As a loyaXXXX Bank of America customer for over 30 years, I am appalled by the bank 's complete disregard for my situation. This fraudulent withdrawal has not only caused me significant financial hardship but also immense stress and frustration. The bank 's lack of action has eroded my trust in their ability to protect my financial security. 

Request for Immediate Intervention : I urge the CFPB to investigate this matter urgently and hold Bank of America accountable for their failure to adequately handle this fraudulent activity. I request the following : - Immediate return of the stolen {$1200.00} to my account.

- A thorough investigation into the source of the fraud and implementation of measures to prevent similar incidents.

I have attached relevant documentation, including the initial fraud report, communication logs with Bank of America representatives, and copies of the resubmitted ACH Fraud Claim form for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt and positive response. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
A girl on XXXX said that she was giving out legal funds that she was working for a bank company and I sent her a dm with all my information and she put over XXXX fraudulent checks into my account but I didnt know that they were bad checks until the bank closed my account and now the bank is keeping the money since I owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
XX/XX/XXXX - submitted an IDR plan request via student loan.gov because i was not able to reach a person at Mohela XX/XX/XXXX - submitted feedback case # XXXX to complain after several failed attempts to reach someone at Mohela to put my loan into forbearance. 

XX/XX/XXXX - called number on studentloan.gov to contact ombudsman to resolve issue with Mohela, and the system hung up on me because of high call volume

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: SC

Complaint narrative:
Subject : Cease and Desist Communication and Unlawful Use of Personal Information Dear January Technologies Inc, I am writing to express my deep concern and dissatisfaction regarding your persistent and unlawful attempts to collect a debt account login XXXX that has been legally canceled through a 1099-C form. Your repeated contact, despite the cancellation and lack of obligation on my part to pay, constitutes a clear violation of my rights under both federal and state laws. 

Your collection efforts have extended beyond acceptable practices, involving the illegal collection of my nonpublic personal information with my consent. This is a direct breach of trust and a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the South Carolina Consumer Protection Code, SC XXXX XXXX. XXXX. 

I demand that you cease and desist all communication with me immediately, as I explicitly do not authorize any further contact or use of my personal information for debt collection purposes. Furthermore, I insist that you comply with the following legal requirements : 1. **Fair Debt Collection Practices Act ( FDCPA ) : ** Cease all communication and collection activities, as the debt in question has been legally canceled, and your continued efforts violate the FDCPA. 

2. XXXXSouth Carolina Consumer Protection Code ( SC XXXX XXXX XXXX XXXX ) : ** Your actions are in direct violation of this code, which prohibits deceptive or unconscionable collection practices. 

3. **Illegal Use of Personal Information : ** The unauthorized collection and use of my nonpublic personal information violate federal and state privacy laws, including to the Gramm-Leach-Bliley Act ( GLBA ) and the South Carolina Data Breach Notification Act . 

I request that you provide a comprehensive explanation of how you acquired my nonpublic personal information. Failure to comply with this request and the cease and desist directive within 15 days from the receipt of this letter will leave me with no option but to pursue legal remedies available under the FDCPA and other applicable laws. 

Your prompt attention to this matter is expected, and I anticipate your full compliance with the law. A copy of this letter will be sent to my states attorney generals office and FTC report will be filled as well to ensure your compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I consolidated my federal XXXX XXXX in XX/XX/23 through XXXX and requested an IDR repayment plan. My loan was then transferred to EdFinancial for servicing. I then applied for the SAVE plan through the FSA website. EdFinancial has repeatedly denied my request for enrollment in the SAVE plan or any XXXX plan even though I have been assured by the Dept. of Education that I qualify for those plans. I have made several calls to their customer service dept. but have not been able to get an answer as to why I keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
We have been trying to get XXXX XXXX to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and XXXX XXXX can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are disable and I am retired military .... We deserve better .... Please see attached documents ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 2024-01-04 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:
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. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 2024-01-04 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:
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. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 2024-01-04 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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-04 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
We got XXXX gift card from friend but when we try to use it the balance was already used by someone.

Company response to consumer: Closed with explanation