vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
I am writing to address a persistent issue regarding inaccuracies on my credit report. 

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing. 

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist. 

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored. 

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I regularly deposit a {$1400.00} check into my Santander checking account every month. The check has never been denied, the account has no overdraft, and there is no reason to suspect there will be any issue with it. In recent months, Santander has begun waiting a long time to make the funds available. Sometimes eight or nine business days. I have contacted them to ask for a reason for these deposits to be held, and they have not been able to give me one and Ive only said it is our policy. most recently, I deposited for {$1400.00} on XX/XX/XXXX, and the check was paid by the issuing bank XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX, and I am being told that the funds will not be released until the XXXX, and there is no reason given for this. Like I said, this is a regular monthly check that I deposit in this account and have done so for three years. Also, I have not had any overdraft fees on this account in years ( I may have had one or two during XXXX  ) this has happened to me three or four times with exactly the same amount of check, drawn on exactly the same XXXX  XXXX XXXX account, in the past year. From what I understand, this bank is not legally able to hold funds. Without a specific reason, they must provide that specific reason, and if the issue and bank has already paid the check, they may not hold those funds away from 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 explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report because I need to rent an aparmet for move with my family and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

NCA {$300.00} NCA {$540.00} XXXX XXXX  {$660.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I experienced a glitch in NMACs billing process that came within one day of repossession of my leased vehicle. 
In short, they failed to communicate with me from the day I leased the vehicle until the repossession demand was already dispatched. In essence, they expected me to investigate how to begin lease payments on my own. 
I leased a vehicle on XX/XX/2024. Even though they had my mailing address, my phone number, and my email address, I received no correspondence or communication from NMAC until XX/XX/XXXX, at which point they had already moved to repossess the vehicle. I paid the amount due immediately, narrowly avoiding repossession. 
The agent I spoke with defended the practice of using only anonymous robocalls until the repossession demand was triggered. 
Ive sent a letter ( attached ) asking for an explanation and an apology, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: AL

Complaint narrative:
To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities.

According to the FCRA, unverified accounts must be promptly removed. FCRA, 91-506, Title VI, Section 611, Subsection AD and Section 15 U.S. Code 1681i ( a ) ( 5 ). 

I am in the process of buying a home and the below accounts are hurting my credit file/scores If you are unable to furnish verifiable proof, the accounts listed below MUST BE REMOVED. These Accounts are being reported Inaccurate. 

I request immediate verification or Removal of the following accounts : Creditor : Account 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: AL

Complaint narrative:
To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities.

According to the FCRA, unverified accounts must be promptly removed. FCRA, 91-506, Title VI, Section 611, Subsection AD and Section 15 U.S. Code 1681i ( a ) ( 5 ).

I am in the process of buying a home and the below accounts are hurting my credit file/scores If you are unable to furnish verifiable proof, the accounts listed below MUST BE REMOVED. These Accounts are being reported Inaccurate. 

I request immediate verification or Removal of the following accounts : Creditor : Account # : 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

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 2024-05-23 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: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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 2024-05-23 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: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I received a voicemail from a debt collector. I called back because I have no debt and they told me they were calling about someone else 's debt. The representative 's name was " XXXX '', and she said the person with the debt was probably my mother or sister ( it was not ) and asked me to contact them. I explained there is no one in my household by that name and asked where they got my number. This is completely inappropriate and a violation of that person 's privacy. The rep hung up on me. I called back and asked again what the purpose of calling me was and how they got my number, and she hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
I am writing to address a persistent issue regarding inaccuracies on my credit report.

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing.

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist.

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored.

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.

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 2024-05-23 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: TX

Complaint narrative:
I am writing to address a persistent issue regarding inaccuracies on my credit report. 

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing. 

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist. 

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored. 

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.

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 2024-05-23 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: Nelnet, Inc.
State: FL

Complaint narrative:
What happened? 

I am filing this complaint because Nelnet continues to report three student loan accounts on my credit report without my explicit consent. Despite my requests to have this information removed, they have refused to comply. This unauthorized reporting is negatively impacting my credit score and overall credit report.

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent. 

XXXX. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as Nelnet, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

XXXX. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages. 

XXXX. 12 CFR 1002 - Regulation B - Implements the Equal Credit Opportunity Act and requires creditors to provide notice of the adverse action, including the specific reasons for the denial. This ensures transparency and allows the applicant to understand and potentially address the reasons for denial. 

XXXX. 20 U.S. Code 1232g - Family Educational Rights and Privacy Act ( FERPA ) - Protects the privacy of student education records. This law limits the disclosure of such records without the student 's consent. 

XXXX. 15 U.S. Code 1691 - Equal Credit Opportunity Act ( ECOA ) - Prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction based on race, color, religion, national origin, sex, marital status, or age. It ensures that all applicants are treated fairly and that decisions are made based on consistent criteria. 

XXXX. 15 U.S. Code 1691a - Definitions and rules of construction - Defines key terms and sets forth rules for interpreting the ECOA, ensuring that the rights and protections afforded to applicants are upheld. 

XXXX. 15 U.S. Code 1602 - Definitions and rules of construction ( Truth in Lending Act - TILA ) - Provides definitions and rules for how the Act should be interpreted, including terms like " creditor '' and " credit sale, '' ensuring that all credit transactions are conducted fairly and transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FC HoldCo LLC
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation