vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>XXXX  Bank of America charged my " Business Advantage Fundamentals '' account a {$40.00} fee for " excess transactions ''. Upon going to the branch and calling, I was told that as of XX/XX/year>, there was a new limit on the number of checks that could be cashed in a business account, and that limit was now 20 checks. All checks over that limit are now charged a fee of XXXX cents. The representatives said I was alerted to this change via email, which I was not, and then said that I should have read the disclaimer verbiage change in my most recent monthly account statement online. This change was slipped into the fine print and is, in general, an extremely unfriendly practice towards small business clients. For a business that receives hundreds of checks in small amounts, why should we be required to pay Bank of America XXXX cents to deposit a check?

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 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Bank allowed a fraudulent credit card to be opened in my name. The consumer card number was XXXX The fraudulent individual spent the maximum allowed on credit, failed to pay any statements and defaulted. The bank forwarded our " bad debt '' to XXXX XXXX XXXX. 

XXXX XXXX XXXX is not responding or attempting to investigate our claim, despite police reporting of the incident and an investigation launched by XXXX. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX, California XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I purchased a ticket to go to see XXXX XXXX in concert from XXXX. The event was XX/XX/year>. I went to the event and was trying to download the ticket and was never able to do so. I was in line for over and hour trying to do this. A message popped up and said we realize things come up and your not able to attend. Are you able to attend. And it gave me a option of yes or no. I pressed no. Because I couldn't get my ticket. Without it they won't let you through the gate. So I went home thinking everything was OK. I had no idea I was going to be charged since I pressed no and I couldn't download the ticket. I called capital one the day I got my statement they told me I needed to contact the vendor. I did that is when the young lady I spoke with told me they would get their money regardless if I attended the event and started to laugh at me. So I hung up the phone and contacted Capital one. They were absolutely no help. Capital one even admitted to me the ticket had not been downloaded and therefore why would they go with the vendor?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-07 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated. Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute. 2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete. 3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification. 4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete for the following reasons : 1- accounts number shows incomplete 2-date reported do not match in the 3 credit bareus 3- the account has been marked as charged off repeatedly that is illegal I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) 2. [ Other supporting documents, such as proof of wrong information reported in my credit report Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data. 2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy. 3. Provide me with the results of the investigation and a corrected copy of my credit report. 4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
Between XX/XX/XXXXXXXX  - XX/XX/XXXX An account I had never missed a payment on and had been paying on since XXXX with 2 paid off trade in vehicals I've leased with this same company had been completely removed from my credit report after disputing for the correct amount owed to be adjusted.This creditor was Overland Bond Finance services XXXX, XXXXThis has made a huge negative impact on my credit score, hindering me from potential homeownership. In total I've paid over XXXX on time payments and up until this month I recently fell behind due to the financial hardship of identity theft.Ive reached out to XXXX XXXX, XXXX, XXXX and other credit bureaus with this concern and was assured it would be fixed.Upon checking my credit report recently it was NOT.Ive also reached out to Overland Bond twice once by phone the other by email with concern for my payment history being completely removed from my report.I have not heard any updates from either credit Beauro or the current Finace Company that I'm leasing from about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Between XX/XX/XXXX - XX/XX/XXXX An account I had never missed a payment on and had been paying on since XXXX with 2 paid off trade in vehicals I've leased with this same company had been completely removed from my credit report after disputing for the correct amount owed to be adjusted.This creditor was XXXX XXXX XXXX services XXXX, XXXXThis has made a huge negative impact on my credit score, hindering me from potential homeownership. In total I've paid over XXXX on time payments and up until this month I recently fell behind due to the financial hardship of identity theft.Ive reached out to XXXX XXXX, XXXX, XXXX and other credit bureaus with this concern and was assured it would be fixed.Upon checking my credit report recently it was NOT.Ive also reached out to XXXX XXXX twice once by phone the other by email with concern for my payment history being completely removed from my report.I have not heard any updates from either credit Beauro or the current Finace Company that I'm leasing from about this matter.

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 2024-12-07 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:
This account was charged off on the following date : XX/XX/year>XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-07 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-07 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-12-07 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: KY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. XXXXXXXX XXXX XXXX ( Reporting Multiple accounts ) 2. XXXX  XXXX ( Fraudulent account/ Identity theft ) XXXX. XXXX ( Reporting inaccurate information about the account and Violating IRS guidelines for written off, Charge off, and discharged debt. ) 4. XXXX XXXX ( Reporting late payments when I was never late on the account/ Fraudulent charges were charged on the card/ this account is reporting false information ) 5XXXX XXXX XXXX XXXX XXXX  ( Reporting inaccurate and unverifiable information damaging my reporting and Utilization. ) Stop reporting this account immediately I want it removed and deleted. 
6. XXXX XXXX XXXX credit card. ( VIOLATION FOR REPORTING THIS ACCOUNT/ THIS ACCOUNT WAS DISMISSED IN COURT AND WAS AHERED TO BE DELETED FROM REPORT. THIS COMPNAY HAD VIOLATED MY RIGHTS IN LITIGATION. REMOVE AND DELETE THIS ACCOUNT IMMEDIATELY. ) 7, Some collection accounts have violated several violations of my FC delete and remove immediately RA and FDCPA rights. I do not owe such debt These collection is not accurate or verifiable under 15 USC 1692g, 15 USC 1692e, 15 USC 1681n, 15 USC 1681o

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

3. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I request that my previoous address be updated accordingly. 

3. Employers : My current employer is XXXX XXXX XXXX XXXX please I request that be updated as my primary employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX. 

3. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I request that my previoous address be updated accordingly. 

3. Employers : My current employer is XXXX XXXX XXXX XXXX please I request that be updated as my primary employer.

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 2024-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I called MOHELA earlier this week for XXXX reasons. I needed to understand why my interest rates keep going up even though I've been paying my loans consistently over the last year, and what my repayment options were due to being laid off. 

In terms of the interest rates, I was not given an answer. In fact, the customer service rep lied to me about my rates going down. Around XXXX years ago, XXXX of my loans was at 10 % interest ; it's now at 13.75 %, and I've already paid beyond the initial amount borrowed by over double. It's very clear that 13.75 % is higher than 10 %. I was not given an answer other than " we can raise rates whenever we want. '' I find this to be an abusive and deceptive practice and violates UDAP laws. 

When I asked what my repayment options were, the customer service rep refused to give me information on what my options were unless I gave information first. This is also a deceptive practice. In addition, while dealing with this customer service rep, she raised her voice, spoke over me numerous times, and was outright rude and unfair. When I explained that I didn't need to provide information about my income or savings account, I was told that they were going to withhold from telling me their options. This is also UDAP violation, abusive and deceptive, as I was trying to understand what my options were to remain a good paying customer. I never got an answer from this rep. Even when speaking with their supervisor, I was not provided with what all the options were without providing my expense information, which is withholding and being deceptive about what I could do while facing financial hardship. 

Further, I've already paid beyond the principal of my loans at this point and likely will not be able to get out of these loans throughout my lifetime because they continuously increase interest rates without providing a reason. This is an example of unfair, abusive, and deceptive practices across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: VA

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 XXXXXXXX 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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