vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hatfield, Inc.
State: FL

Complaint narrative:
understand my frustration and confusion regarding the closure of my account with GRID/XXXX last year. After paying off the necessary amount, my account was closed on XX/XX/year>. However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID. 

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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I request that you investigate the GRID XXXX  inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: NV

Complaint narrative:
In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. 
I requested numerous times for XXXX  to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over 75 points!

I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: NC

Complaint narrative:
the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I LOOKED AT MY REPORT ON XX/XX/2024 AND I NOTICED SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE. 
AND ACCORDING TO THE FAIR CREDIT REPORTING ACT, WHENEVER A COSUMER REPORTING AGENCY PREPARES A COSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 15USC 1681 XXXX  I SENT A LETTER ASKING THEM TO REINVESTIGATE THESE ACCOUNTS LISTED BELOW BECAUSE XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, LAST REPORTED IS NOT CORRECT. THIS ACCOUNT IS NOT ACCURATE. 

XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST REPORTED IS NOT CORRECT & DATE LAST ACTIVE IS NOT CORRECT. THIS ACCOUNT IS NOT ACCURATE. 

CAN YOU LOOK INTO THIS MATTER PLEASE. THANK 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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Sigue Corp.
State: CA

Complaint narrative:
I bought 3 money orders of XXXX XXXX  each and when I made a payment, they called me that they did not have funds, Sigue transfer money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
My compliant is on MOHELA Loan provider. They are still accruing interest on my account after 180 days of being on the borrowers defense program. They also did not inform me that interest would start to accrue 1 month earlier than payments after the COVID payment pause. They didnt even notify payments were going to begin again let alone that interest would accrue a month before payments on XX/XX/2023. 

They also are capitalizing interest on my account. Which is causing interest to spiral out of control. I was under the assumption no interest can be capitalized onto my loans after the department of education states this in the borrowers defense guidelines. 


I also did not elect to be placed into a forbearance on my borrowers defense application. They informed me this was an administrative forbearance and interest would NOT accrue. This was because they placed me into the forbearance not me. However, interest has accrued and continues to accrue post 180 days after application submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
31 CFR 363.6 says that Primary account means the account that you establish when you first open your TreasuryDirect account ; your primary account is the portal used to open and access all your linked accounts. ( See XXXX for more information about primary accounts. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Minor means an individual under the age of 18 years. The term minor is also used to refer to an individual who has attained the age of 18 years but has not yet taken control of the securities contained in his or her minor account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Wells Fargo is the Security Transfer Agent and Wells Fargo has been the custodian of a minor account [ means a person who opens an account on behalf of the minor. ( See XXXX for more information about minor accounts. ) ] and I am notifying you that I am no longer a minor. I am now in the age of majority. You no longer have Power of attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I am writing to request the removal of the below-referenced accounts that are currently reported on my credit file. Despite previous attempts to dispute these accounts, the discrepancies and practices observed persist, indicating potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX with Account Number : XXXX Under the FDCPA and FCRA, consumers are entitled to accurate and fair reporting of their credit information. However, the handling and reporting of these collection accounts have not adhered to the standards set forth by these laws. 

Given the failure to adequately address these issues through the dispute process and the potential violations of consumer protection laws, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will lead me to escalate this matter. I will pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I am writing to request the removal of the below-referenced accounts that are currently reported on my credit file. Despite previous attempts to dispute these accounts, the discrepancies and practices observed persist, indicating potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX with Account Number : XXXX Under the FDCPA and FCRA, consumers are entitled to accurate and fair reporting of their credit information. However, the handling and reporting of these collection accounts have not adhered to the standards set forth by these laws. 

Given the failure to adequately address these issues through the dispute process and the potential violations of consumer protection laws, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will lead me to escalate this matter. I will pursue further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA 30035-3008, - The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. - This inquiry was not authorized, please remove it from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information 1. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. - This inquiry was not authorized, please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX XXXX  to discuss a debt that they said I have with Bank of America in the amount {$5900.00}. XXXX XXXX XXXX, has put a levy against my bank account ; however, they have not provided any proof that the debt is mines, nor have the provided me with any documentation that I was served with a lawsuit. When I spoke to Bank of America they informed me that they do not have any knowledge of the debt and I would need to speak with XXXX XXXX XXXX XXXX According to Bank of America XXXX XXXX XXXX, XXXX. has had this debt since XXXX. The interaction with XXXX XXXX XXXXXXXX they have been unresponsive, rude and dismissive over the phone. Bank of America has told me that they do not know what is going on with the debt and that I need to contact XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I get charged ridiculous fees for overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX a notarized letter was sent to Transunion for information regarding ( achieve ) account. No information was provided under 30days per 15usc 1681. This company is in violation and request to have this item deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
Inaccurate unverifiable information reported from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
Inaccurate unverifiable information reported from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XXXX  I applied for EDD but they first denied me then later approved me. I had no idea they approved me the next month and they sent a card from Bank of America with XXXX all of that money was spent by someone who was not me. I only found out that this account existed by getting a letter from Bank of America saying my account was going to be close do to inactivity. I looked into this because I thought it was fraud because I have XXXX Banking but I called EDD and they did approved me for funds and they sent it in a Bank of America card. I drove to Bank of America to make a claim to get my money back but they denied my claim, so I asked for the proof and they sent me the same info I have on my Bank of America online account. they have no proof it was me who spent the money.

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