vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
In a nutshell, In 2013, I consolidated my XXXX boys ' student loans, including parent plus loans, into an income replacement plan under my name. XXXX XXXX loans were not supposed to be combined with the consolidation but I wasn't allowed 3 days to rescind and reapply. I was told I wasn't allowed to make any changes. I have been fighting this for years. Now I'm stuck because I can't get into the SAVE program, which would give me a 0 monthly payment. I have asked that due to all the misinformation, if my loan could be cancelled or dismissed. When I contact the government about the loans, I'm told to contact the lender. ( At the time, the US government was handling the loan applications ). When I contact the lender, I'm told to contact the government. It is a vicious cycle. I have saved many emails, names from phone conversations and paperwork regarding this ongoing unfairness. My email is currently XXXX. Please feel free to email me for further information. Thanks in advance for your help and support. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Someone that wasn't me called XXXX XXXX on XX/XX/XXXX and was able to change the mailing address, phone number, and email address associated with my checking and savings accounts. I was notified of the change and contacted XXXX XXXX to change those back to what they should be. On XX/XX/XXXX someone that wasn't me called XXXX XXXX  and was again able to change that information on my accounts. I went into a local branch that same day and closed out my accounts and started over with brand new ones and a whole new online profile. On XX/XX/XXXX someone that wasn't me called XXXX XXXX and was able to find out the new account numbers that were created and changed that information again. I called XXXX XXXX that same day and got the information changed back and told them to put a hard hold on my account and I requested no changes be made on my account unless a person is in a branch of XXXX XXXX  with a photo ID. On XX/XX/XXXX a person who wasn't me was able to call XXXX XXXX  and get the hold lifted. That same day I completely closed out my accounts at XXXX XXXX and I will never bank there again. I had been a customer since 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to 15 USC 1666b - Billing Error, I expect appropriate rectifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-04-02 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: 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone opened a credit card in my name without my knowledge. It's a capital one creit card. I only found out due to running my credit check and noticed an account in my name had been opened through capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX was order by the original creditor XXXX insurance on XX/XX/2022 to stop all collection activity with this account ... .the credit agencies are allowing them to report this on my reports ... as by law the XXXX XXXX XXXX never gave me a prior notice that they where reporting this to the agencies,,, reporting this item on my report is a collection activity

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 2024-04-02 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: LEXISNEXIS
State: NC

Complaint narrative:
According to the FCRA, when a consumer disputes information and provides evidence proving the inaccuracy, the furnisher has certain obligations. The furnisher must conduct a reasonable investigation into the disputed information [ 1 ]. This investigation involves reviewing all relevant information provided by the consumer with the dispute notice [ 1 ]. The furnisher is also required to complete its investigation and report the results to you before the expiration of the specified time period [ 1 ]. If the investigation finds that the reported information is inaccurate, the furnisher must promptly notify the consumer reporting agency and provide any necessary corrections [ 2 ].

In my case, I have taken the necessary steps to address the fraudulent bankruptcy on my credit file by opting out of LexisNexis, and placing a security freeze, disputing the bankruptcy, and obtaining written confirmation from the court that they do not provide information to credit agencies or third parties [ 6 ]. According to the FCRA, the furnisher should have conducted a reasonable investigation into this dispute and taken appropriate action based on the evidence provided [ 1 ] [ 2 ]. It appears that the furnisher may not have fulfilled their obligations in this regard.

I understand the importance of accurate credit information and its impact on my financial well-being. I was recommended filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XXXX XXXX & XXXX XX/XX/2023, I requested a 1099-C from Capital One for a Charged Off account. The amount charged off was {$880.00}, well over the {$600.00} required to report to the IRS threshold. I also requested Capital One to stop reporting the Charge Off to the Credit Reporting Agencies because I paid to settle the account not knowing that they were charging off the account prior to payment. I thought I had until the end of the year to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I checked my credit profile and saw some inquiries that don't belong to me.

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 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I need to dispute this fraudulent collection from my XXXX credit file. This bill was taken care of by XXXX XXXX XXXX due to the incorrect spelling of my name ( as seen in attachment ). My health insurance rejected the bill due to my name being misspelled. 

Correct Spelling : XXXX XXXX XXXX spelling 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 2024-04-02 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was released I checked my credit and notice I have a collections from a XXXX XXXX  credit card that was opened in XXXX of XXXX. I called Portfolio Recovery Associates , LLC to explain to them that it was not me and that I was in XXXX  so someone used my identity to open this account as well as XXXX XXXX which I have already talked to XXXX and had resolved. I sent Portfolio documents from my release paper from XXXX but still have not been able to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc.
State: CA

Complaint narrative:
I received an email stating that I could resolve my debt with senseless through XX/XX/XXXXfor the amount of {$42.00} As they represented this as the amount owed to clear total debt balance with sezzle I paid it. Then they keep trying to collect for the same company, different amount of balance spamming the same communication style. Its falsely misrepresenting the actual debt owed by using these tactics to collect on a debt. Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt and I believe this falls under the protection of these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Per the Fair Credit Reporting Act ( FCRA ), the list of accounts/promotional inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 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 for crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I disputeed this before. Basically what's going on is I mobile deposited a check on XX/XX/XXXX. According to the bank website, the mobile deposit would have cleared in 3 days especially with my job who uses PNC. Pnc then informs me after I received a provisional credit from some other dispute that shouldn't have happened because they were supposed to close my card, when I get the proofessional credits they hit me something that said the same. Check that I mobile deposit on XX/XX/XXXX. Was again cash on XX/XX/XXXX which is past the 3 days. That the website states. So after reviewing because of the cfpb, the bank states that they can't give me back my money because the check was cashed twice. However, with this being said, your website said it would be completed in 3 days. The XXXX in XX/XX/XXXX is three times as much as 3 days they are going against what the website says and not giving me my money. I have had this bank account for about maybe 2 months and I have not been able to access any of my funds because there's always something wrong. I feel like this Bank does not have my back. I feel like this bank is just holding my money up. I told I asked them if I should lawyer up and they told me that there was nothing that I would be able to do. Anyway. This is XXXX  wrong, especially going against your own words. I need something done because I have not been able to access any of my funds on this account to even transfer it out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXX transactions of fraud on my account and XXXX XXXX XXXX is not doing anything. I didn't authorize for my account to be taken from another account. This is through the XXXX debit card through XXXX. 

Monies still owed XX/XX/year> for {$XXXX} XX/XX/year> for {$XXXX} XX/XX/year> for {$XXXX0} XXXX XXXX XXXX XXXX not tell me who signed up for my account and they have refused to refund me the stolen money. I thought our money is issured.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief