vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
The inquiries are not mines

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
While I was in XXXX I had my wallet stolen as I walked through XXXX with friends sometime between XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX XXXX. I cancelled all three cards in my wallet when I was able to get back to the hotel and charge my phone. 

I reported the fraud case to SoFi bank via phone on XX/XX/XXXX ( I was unable to report the case until the funds had settled ) once I returned to the United States. Since then SoFi has denied any claims of fradulent charges, has refused multiple requests and even demands for contact, and will not refund the charges despite solid evidence provided. 

I have solidly proven I was unable to make the purchases at the time they occured since I have GPS tracking data that I was never in the subburb the shops were location, AND photo proof with GPS data that I was physically in a different location at the time of the purchases. 

My other banking institutions have refunded all charges with far less evidence or hassle, and were actually able to be contacted. SoFi does not allow any communications with what they consider the " back room ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to submit a dispute regarding a debt collection by Radius Global Solution , which has been incorrectly reported on my credit report with XXXX. 

I have recently discovered that Radius Global Solution has placed a debt on my credit report, despite not being licensed to collect debts in the state of North Carolina. Furthermore, the statute of limitations for this debt has expired. 

I believe that the inclusion of this debt on my credit report is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Radius Global Solution for their unlawful collection practices and inaccurate reporting. 

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Additionally, I request that the Consumer Financial Protection Bureau provide me with written confirmation of the actions taken to resolve this dispute and any updates regarding the investigation.

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XXXX, a transfer was made from my Venmo account to XXXX of my contacts. Subsequently, these contacts reached out to me, claiming that I had requested a refund and that Venmo had debited a total of {$2700.00} from their accounts. When I was informed of this, I contacted Venmo and started trying to resolve the problem, as I did not request a refund. Venmo informed me that I should contact the card-issuing bank for more information. However, the card used for the transaction, as indicated by Venmo, is unknown to me. I do not recognize the card and can not contact the bank because the card is not mine. I need to resolve this issue because I am being charged {$2700.00} that I do not owe. 

The individuals who are being harmed are contacting Venmo to try to restore the funds to their accounts, and Venmo claims that they need to contact me because I requested a refund from the bank for the amounts transferred to them. However, since I did not request any refund and do not have the card mentioned by Venmo, there is no way for me to resolve the issue. 

I do not recognize the card mentioned by Venmo ; I do not use third-party cards and do not recognize these transactions. The fact is that transactions were made involving my contacts, and they are being harmed because Venmo claims that I requested a refund from my bank to my card for the transfer amounts. However, I once again affirm that I have no knowledge of this, do not share cards on my account, do not know the card mentioned by Venmo, and therefore did not request a refund. 

This has caused significant harm to the individuals whose accounts Venmo debited. I request the immediate reversal of the debited amounts in the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: WA

Complaint narrative:
This is in regard to SR # XXXX I filed a dispute with direct express regarding a returned Item i had purchase for {$440.00} I had returned the item brand new in box with reciept to the store XXXX XXXX. 

I took video and photos at that time to confirm. 

I sent the photos and proof or return to direct express along with the dispite being filed. 

Direct express didn't add my evidence to the dispute and thet denied the dispite. 

I then refuled the disoite with evidence and direct Express yet again didnt approve the disoite olnor add my evidence and it was denied. 

The third time I refiled the dispute I was told that legally they must XXXX within XXXX business days to resolve it. 

They never responded nor resolved it nor even opened the dispute to investigate it weeks after it was filed. 

I then recorded direct express on video confirming they see my evidence and that it was never reviewed and that and I quote " these are your funds owed to you and I see thr evidence you submitted and we will give you your hard earned money back XXXX I'll go ahead and refule it now as it wasnt processed nor investigated and you have been neglected. I'm sorry '' Now my log in information doesnt work, I can not log in using the website nor the app and it states that My card status is invalid... 

I have over {$500.00} in my account currently .... 

These employees all refuse to do their jobs legally and they all force me to give them the first XXXX digits of my social security number of the full social of they will refuse to help me and they all refuse to allow any alternative method of verification. Please investigate them all and take the appropriate actions. 

My account ending in XXXX XXXX XXXX XXXX # aka case reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: PA

Complaint narrative:
These accounts are not mine- XXXX XXXX XXXXXXXX

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 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I've filed an ACH scam claim with Bank of America as I was a victim of an online scam for the amount of {$10000.00}. I initiated an ACH transfer on the evening of XX/XX/XXXX. I soon realized that this was a scam when they asked for my photo ID along with the transfer. I called Bank of America Fraud Department and alerted them that I was being scammed. I was provided a claim # XXXX. I've also filed a police report with my local police case # XXXX. I filed an IC3 complaint with the FBI. I've shared all of the information with Bank of America fraud department via email. 

From XX/XX/XXXX through XX/XX/XXXX, I called Bank of America fraud department every business day asking for an update. I was told an analyst will be assigned to my claim and work on it. 

On XX/XX/XXXX, I received an email from BoA stating that the claim was declined and that they're unable to approve my claim. I called BoA Fraud Department again and found out that the original BoA agent made a mistake when filing my claim back on XX/XX/XXXX. It was filed under a regular dispute, not a scam claim. I was shocked and devastated that BoA made such a mistake and lost 2 weeks time. The new agent apologized for the mistake and offered to file an internal complaint on the fraud department agent ( complaint # XXXX ). The new agent also informed me that I had to start a new claim under scam and essentially start from the beginning. Because of this, I may have lost the chance in recovering my funds. 

On XX/XX/XXXX, BoA sent me a scam victim acknowledgment form to sign so that they can start pursuing the new claim and collection. Since then, I've called countless and was told BoA and the scammer 's bank are working on a recovery collection. 

On XX/XX/XXXX, BoA sent me an email stating the recovery was unsuccessful. They closed this inquiry.

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 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX. XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

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 2024-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Evidently there have been multiple foreclosures on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Wells Fargo says one occurred on XX/XX/year>. The one I received an overage check for on XX/XX/year> occurred on XX/XX/year>. I had an FHA mortgage and was given notice to secure s modification.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request the deletion of XXXX XXXX XXXX XXXXXXXX ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by TransUnion and XXXX XXXX but {$0.00} by XXXX. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by TransUnion and XX/XX/XXXX XXXX by XXXX and XXXX. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by TransUnion and XXXX XXXX and XX/XX/XXXX by XXXX. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-06-02 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:
I am writing to request the deletion of XXXX XXXX XXXX XXXXXXXX ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by XXXX and XXXX XXXX but {$0.00} by Equifax. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by XXXX and XX/XX/XXXX reported by XXXX and Equifax. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by XXXX and XXXX XXXX and XX/XX/XXXX by Equifax. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MD

Complaint narrative:
The company contacted me about an alleged debt stating I owed a medical facility a bill. I responded stating not only was this a time barred debt, but that they did not confirm they had the correct person. I said do not contact me. Then they didn't provide any proof of the correct person. Further, they placed the debt on my credit report without confirming they had the right person and said it was disputed by the consumer. Further, they placed it on my credit report as if the debt happened in XX/XX/XXXX and allegedly it happed in XX/XX/XXXX. 

I have since submitted disputes on my credit report, however, the fact that they are so concerned about getting payment for a debt that is not legally enforceable and lied to say it was recent when it was over 6 years old to t get it on my credit report before the 7 year window expires is fraud.

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 2024-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Problem # 1 : I have loans through Nelnet. I have asked in writing for proof of loan, M

aster Promissory Notes, payments made history, re-calculation of amount owed, etc. They have not responded to email requests or mail requests.

Problem # 2 : Nelnet reported my payments as late 8 times. This was after they sent me a notice that payments were suspended during the pandemic. When I discovered the credit bureau reporting, I contacted Nelnet and was told that the suspension of student loan debt payments did not apply to my loans. They never sent me an notice telling me my payments were over due.

Problem # 3 : Nelnet sent me an email advising me that my IDR repayment plan was approved. Then a few days letter I got another email saying my XXXX payment was due XX/XX/2024 with no IDR payment reduction shown.

Company response to consumer: Closed with explanation