vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Why is BofA double charging my minimum automatic payment each month from my checking account? 

I called both BofA and my XXXX Checking account. 

I do not have auto or external payments of any kind set up at XXXX. 

BofA tells me on the phone that one of the auto payments is theirs, the other is being pulled by XXXX, and XXXX assures me that is not the case. 

Both payments are identical and minutes apart, month after month. 

It is definitely BofA. 

I want this solved these are false billings by the CC company itself.

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 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
After many years of bad dealings with XXXX XXXX and Nelnet, in XXXX of this year I moved my private loan to a XXXX XXXX and after XXXX plus years of payments received notice that my loan had been forgiven. This notice was received before the lawsuit which I see in the news now indicates an injunction is in place on forgiveness. The XXXX site still shows that my loans balances no longer exist, but Nelnet shows me in a forgiveness which I never requested and with loans that no longer exist. I demand immediately relief to this situation and further I've suffered for XXXX years with their disgusting practices. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CT

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>2024, and I have not yet received a response.

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 2024-12-14 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: CT

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-12-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Violation of Fair Credit Reporting Act by XXXX XXXX XXXX To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted XXXX XXXX XXXX regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, XXXX XXXX XXXX has not updated my information with all three credit bureaus without correcting the inaccuracies. 

I kindly request that your offices investigate this matter and take appropriate action against XXXX XXXX XXXX for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness. 

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

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 2024-12-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of Fair Credit Reporting Act by XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted XXXX XXXX XXXX regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, XXXX XXXX XXXX has not updated my information with all three credit bureaus without correcting the inaccuracies. 

I kindly request that your offices investigate this matter and take appropriate action against XXXX XXXX XXXX for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of Fair Credit Reporting Act by XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted XXXX XXXX XXXX regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, XXXX XXXX XXXX has not updated my information with all three credit bureaus without correcting the inaccuracies. 

I kindly request that your offices investigate this matter and take appropriate action against XXXX XXXX XXXX for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness. 

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

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 2024-12-14 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Financial Services [ Discover Address Subject : Request for Investigation and Removal of Inaccurate Credit Reporting Due to Identity Theft Dear Sir/Madam, I am writing regarding an account associated with my name and Social Security number that is inaccurately being reported on my credit report. I have disputed this account with you previously, but you responded by stating that the account information is accurate and belongs to me. I am informing you again that I am a victim of identity theft, and someone unlawfully used my personal information to open this account. Furthermore, they redirected all correspondence to an address that is not mine.

I have attached a copy of the identity theft report for your reference. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, once a consumer notifies a creditor or reporting agency of identity theft and provides documentation, the account must be blocked or removed from credit reporting within four ( 4 ) business days. Despite this legal requirement, the account continues to be inaccurately reported on my credit report. 

Here are the critical points regarding this matter : Fraudulent Account : The address linked to the account is not mine, nor is it listed on my credit report. I have never received, used, or activated a Discover card.

Charged-Off and Written-Off Account : According to my credit report, the account has been charged off and written off. If the debt was indeed written off and Discover claimed a tax deduction for the amount, you would be required by the IRS to provide me with a Form 1099-C. Failure to do so implies that the reporting of a balance owed is inconsistent and a violation of FCRA standards for accurate reporting.

Violation of FCRA : Reporting inaccurate information on my credit report constitutes a violation of the FCRA. This continued reporting of an account I neither opened nor used, combined with the lack of a Form 1099-C, infringes on my rights and could expose Discover to legal liabilities, including damages. 

Unfair Tax Implications : If the debt were written off and considered taxable income, it would be unjust for me to pay taxes on income related to a fraudulent account I did not open or use. 

Under the FCRA, I am requesting the following : That Discover permanently remove and delete this fraudulent account from my credit report. 

That you cease all reporting of this account to any credit reporting agency. 

Written confirmation that you have taken these steps to rectify the issue. 

I trust that Discover will act in good faith to comply with federal laws and correct this error. If no action is taken, I will have no choice but to seek legal recourse to protect my rights and hold Discover accountable for any violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX I attempted to make a purchase at a liquor store for my business, XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX. The total amount of the purchase was {$1500.00}, and I was using my Bank of America virtual debit card, which had a balance of {$2000.00}.

During the transaction, Bank of America flagged the purchase as an unusual transaction and blocked my card. The purchase was declined multiple times. I immediately called Bank of America customer service and explained the situation. They assured me they had unlocked the card, but despite being told this repeatedly ( around 30 times ), the card remained locked. 

The customer service representative asked me multiple verification questions, all of which I answered correctly. However, they were unable to resolve the issue and claimed they did not know why the card could not be unlocked. This entire process took around 30 minutes.

I have a recorded phone message documenting this interaction, which clearly demonstrates Bank of Americas failure to unlock my card despite multiple assurances. 

Because of this failure to unlock my card, I was unable to complete the purchase, resulting in significant financial loss for my business. I could not restock liquor for the night, forcing me to close the bar early, which led to lost sales and dissatisfied customers.

This incident highlights Bank of Americas failure to provide reliable service, causing direct harm to my business operations.

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 2024-12-14 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: OR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: IL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2024-12-14 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: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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