vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: OH

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 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 as proofofmyidentity and andSSNCard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
NO CONTRACT WITH ALDOUS AND ASSOCIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
Delete hard inquires bureau - XXXXXXXX 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
Delete hard inquires bureau - XXXXXXXX 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  XX/XX/XXXX XX/XX/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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a Bank of America XXXX  XXXX business card card. I paid off all of my balance in a timely fashion. In XX/XX/XXXX account renewed and they had charged me an annual fee of $ XXXX. I did not pay that amount in XX/XX/XXXX as I wanted to closed the account. So I called Bank of America customer service in XX/XX/XXXX and discussed with the agent on the phone to close my account and waive the annual fee and associated interest charges. The agent assured me that he will cancel the account, cancel the annual fee as he was closing the account and would waive the associated interest charges. The annual fee was approximately $ XXXX {$75.00} with an {$8.00} interest charge. Instead of closing the account and refunding manual fees as it was closing the credit card completely, Bank of America kept the account open and sent it to collections without my knowledge or any forewarning. 

I have not received a single piece of mail or email communication discussing the possibility of sending my account to collections for any unpaid balance. I was shocked to find out earlier today that they counted stayed open and the balance was unchanged even though the agent told me last year that the annual fee and the interest charges would be removed from my balance. They have also not sent me any communications of an outstanding balance on this account since my last conversation with them last year when I had believed they closed the account. 

This morning I had spoken to Bank of America customer service numerous times as well as the collections department and they remain unhelpful in this matter. They insist on me paying an annual fee and interest on a card that they should have closed last year when they assured me they would. I have not used this card or this account in the past 9 to 12 months. 

This is very fraudulent behavior by Bank of America. They have kept an account open without my consent after assuring me that the card would be canceled and the associated balance would be removed. The current balance does not include any purchases that I had ever made on that card. It is simply the annual fee/interest for not paying the annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AR

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
I mailed in 3 requests to company about the inaccurate and incorrect account status their reporting to my consumer reporting. Law is clear on experiences and transaction being excluded from a consumer report. I explain this to the company and sent in law document to support my order. The company failed to acknowledge it's mistake and continue to report adverse information on my consumer report. The company is intentionally damaging my reputation and general mode of living.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AR

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Early Warning Services, LLC
State: PA

Complaint narrative:
Zelle is a third party who has contacted with my bank to enable money transfers. 

On XX/XX/year> a tenant of mine paid rent. Subsequently he had a fraud alert and suspended his Zelle account with XXXX XXXX XXXX XXXX. I reviewed a confusing email stating my Zelle account was locked. 

I contacted my bank TD Bank to resolve the issue and unlock my Zelle account. They were unable to provide a phone number for Zelle so that I & my tenant could clear up the confusion that locked both our accounts. We ( my tenant his mother & I ) were able to speak with XXXX XXXX support 3 times during XXXX and once in person at their XXXX PA branch office but they reported that they ( TD Bank ) are only able to open tickets with Zelle- they do not have the ability to speak with Zelle. Each request was denied without any additional steps for how to escalate or proceed. 

I have contacted Zelle app support - who state that they can not see the bank account linked accounts - nor can they assist w/ resolution or escalation. 

I have contacted their Parent company as well - who also does not have a dispute resolution department. 

My rent monies for XXXX + {$5000.00} are stuck in Zelle and my tenants need to wait for Zelle to refund the money so that they can pay by check. I am at risk of incurring late fees on my mortgages. 

There is no person assigned to handle customer issues like this I need help contacting someone at Zelle ( or their parent company ) to help resolve my locked account & unfreeze the money that is stuck in this digital transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Fraudulent banking activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/year> I mailed my FTC Report to Equifax. I have inaccurate information reporting on my consumer report. Which is a violation of federal law. I will be filing a civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I received multiple account notifications from the Nelnet website on XX/XX/XXXX that I was due to recertify by XX/XX/XXXX. I submitted a recertification application on StudentAid.gov on XX/XX/XXXX which was approved on XX/XX/XXXX. As a result, my payments increased from XXXX XXXX to XXXX XXXX. I received an account notification from Nelnet on XX/XX/XXXX that stated that my iXXXX XXXX ( XXXX ) plan recertification date had been extended as requested by the U.S. Department of Education . It further stated that the soonest a borrower will need to recertify is for borrowers with an XXXX  recertification date in XX/XX/XXXX. The Nelnet team indicated that they received notice of the XXXX recertification extension date from the U.S. Department of Education on XX/XX/XXXX. Therefore, Nelnet was aware that I was not due to recertify until XX/XX/XXXX at the earliest based on the extension. My recertification application should not have been processed on XX/XX/XXXX as I was not yet due to recertify based on the extension date provided by the U.S. Department of Education. 

The StudentAid.gov website states that the deadline to recertify an XXXX plan has been extended to XXXX XXXX, XXXX. It further states that if you had a XX/XX/XXXX recertification date, and you submitted a recertification and your payment went up, that they will revert your payment to its previous monthly amount until the new recertification deadline. I submitted a formal request to Nelnet via email on XX/XX/XXXX to have my monthly payment amount reverted to the original payment amount prior to XX/XX/XXXX. I received a response from Nelnet employee ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX stating that their records indicated that I recertified my XXXX XXXX XXXX  ( XXXX ) Plan prior to my recertification date being extended and that came with a payment increase. The email further stated that they were working on canceling the recertification and extending my prior XXXX plan and that they would apply an administrative forbearance in XX/XX/XXXX. 

However, I called Nelnet on XX/XX/XXXX and spoke with XXXX ( XXXX XXXX XXXX ) and supervisor XXXX ( XXXX XXXX XXXX ) who stated that the information Nelnet provided via email on XX/XX/XXXX was an error and that they would not honor the statements in the email. These practices also do not align with the Department of Education 's website which states that if a borrower recertified and their payment increased then they will return the account to the borrower 's previous monthly payment amount until their new recertification deadline. Nelnet is now unwilling to follow through with the corrections they stated they would make. Therefore, I am filing this complaint. I am requesting that Nelnet honor the corrections they stated they would make to my account via our email correspondence on XX/XX/XXXX. I appreciate your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO ALTO Application denied for no reason Application denied for no reason on XX/XX/year>. Several phone calls an all they could say was to re-apply. Asked if they check credit and told they use XXXX XXXX which I have frozen. I unfroze and still denied. Ordered both XXXX XXXX and XXXX XXXX reports an no problems. Then they said could not verify my identity. Lived at the same address for over 50 years. They have no other option to verify my identity. I request that BMO ALTO give me a reason for the denial and provide an additional method of verifying my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: DE

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AR

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I didn't give CB Indigo permission to make a HARD inquiry on my credit report, and they did it without my permission..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
XXXX responding to a complaint I filed with the CFPB for a deletion of an account that has been reporting incorrect and inaccurate information. On XX/XX/XXXX I filed my complaint for the account of XXXX XXXXXXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX ) This account has been said to be verified and corrected but that in fact is not true. 
The Credit bureaus stated these accounts were properly investigated but how is that possible when there are still multiple inaccuracies being reported. Ive asked for this account to be DELETED. The CFPB statement response stated I asked for a corrected reported or deletion which is also false inaccurate as well. This account last payment is being reported as XX/XX/XXXX buts its showing the account was in good standing in XX/XX/XXXX. It is also being reported by XXXX that is account has been in good standing with no missed payments from XX/XX/XXXX through XXXXXXXX XXXX XXXXXXXX is a violates my rights. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You have violated federal law, by not properly investigating this matter. I have evidence of search via receipts you must not remove the item in any other action, or in action on your behalf, may result in a small claims action against your company I will be seeking {$1000.00} per violation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a immediate DELETION of the following accounts : XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number 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 2024-05-30 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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