vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: NE

Complaint narrative:
On XX/XX/year> I fell victim to a common fraud scam. I am not raising a complaint on me falling victim to this scam. I'm filing this complaint as First Interstate Bank performed bad faith on their service to me and failed common XXXX  and XXXX policies and procedures. 

Identity theft and social engineering led to the funds in the accounts being available in my primary checking account. I never created an online banking account. The online banking account was manipulated thru information gathering during the scam. I and the other accounts impacted with this were never authorized on the transfers between accounts. No notice was ever given to me or the other members on the accounts of the money transfers occurring. 

The Bank failed numerous XXXX and XXXX policies and regulations by allowing me to withdraw over {$9000.00} twice from two different branches within thirty minutes on XX/XX/year>. No ID was ever was ever requested of me and no reason for the withdrawals were requested as well from the tellers servicing me. These are core and critical points of XXXX and XXXX requirements. 

Again on Monday XX/XX/XXXX, I attempted to withdraw {$4400.00} and was at first denied due to not enough funds in the account. Less than fifteen minutes later, after discussing with the person coordinating the scam activities ( I still had no idea I was a part of a scam ) they transferred the funds into the account, I walked back into the branch and they processed the transaction once again with no ID and no request for reasoning of the withdrawal. 

How was over {$25000.00} moved from accounts and withdrawn by myself without ID or questioned for reasoning??? Please review your security videos and you will see these statements are accurate. 

I'm a XXXX XXXX XXXX victim of elderly scamming and the Bank failed at every opportunity to raise awareness to myself during my three visits. No teller asked for ID or a reason for the withdrawal. The Bank operated in extremely bad faith. I believe a serious investigation should be performed if the branch tellers servicing me those days are possibly involved with the scam. At minimum the Bank is negligent of following XXXX and XXXX policies and procedures. 

I am in the process of finding legal representation to bring a litigation suit against First Interstate Bank for their bad faith operation and failing to follow XXXX  and XXXX policies and procedures. The example of this failure by the Bank is unforgiveable. We are also communicating to our local community on how the Bank fails to protect their elder customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In compliance with FCRA 605B, you need to delete any incorrect accounts from my credit report. Could you examine the documents? Some accounts are reported inaccurately with wrong amounts and dates.

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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My business account was suddenly closed by Bank of America for no reason whatsoever on XXXX. They didnt give me no warning, didnt send me any emails, letters, nothing. 
My account and debit card was working until XX/XX/XXXX around XXXX and then after that my card and my account stopped functioning and I called the bank and I was told my account was on the processing of being closed for no reason. That the bank has the authority to close the bank at any given time due to their discretion and policy. 
They couldnt give me any accurate or estimate date of when Im supposed to receive my funds.

This is totally outrageous and wrong. I work hard for my funds and they are essential and vital For my personal living and my business. I had around {$11000.00} in that account and I simply cant go on weeks and weeks waiting to have access to my funds because of the bank that closed my account for no reason whatsoever. This is completely outrageous and frustrating.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-07-02 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: OH

Complaint narrative:
I was reviewing my credit report and noticed that I had some inquiries that i did not authorize.

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 2024-07-02 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Our home mortgage was with XXXX when I experienced a job loss due to COVID19 Pandemic. At that time XXXX approved our forbearance status beginning in XX/XX/year>. When our mortgage was acquired from XXXX by Roundpoint Mortgage Servicing LLC, Roundpoint reported our mortgage to the Credit Bureaus as being over XXXX delinquent - even though we were in an authorized forbearance program. With that erroneous report, my credit score dropped from XXXX to under XXXX. I have contacted Roundpoint multiple times asking them to correct THEIR mistake and report to the Credit Bureaus that the delinquent report they they sent was not accurate. The customer service team members at Roundpoint agreed that Roundpoint should not have reported us as being delinquent, made notes on our account, and sent a request with notes to the authorized department to fix the mistake. After " elevating '' the request multiple times, Roundpoint has yet to take responsibility for their mistake and make corrective actions- including reporting to the Credit Bureaus that they mistakenly reported us as delinquent. The result of this mistake and lack of action to correct it has decreased my borrowing ability and substantially increased my cost to borrow money. I am filing this complaint with CFPB to have a public record of my grievance and to hopefully compel Roundpoint to do the right and ethical thing to correct their mistake and restore my credit and good name.

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 2024-07-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, I refinanced my private student loans from XXXX XXXX to XXXX by FirstMark Services. My refinancing was set at a fixed interest rate of 5.48 %. In XX/XX/XXXX, my loan was transferred from CommonBond by FirstMark Services to My Loan Manager by FirstMark Services. Upon transferring, I was not able to access my account for months. When I did, I discovered that my new interest rate was set at a variable interest rate of 9.42 %. I tried calling to remediate this, but was told to look into a new refinancing plan with another company as a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
all i see is because of chxsysystems i am unable to open up any type of banking acc

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 2024-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have a credit collection company trying to collect a debt that is not legitimate. The debt is from an auto insurance policy i had through liberty mutual in the past. I switched to a new insurance carrier and XXXX XXXX was sent the proper documentation for a notice of termination as required by the policy but they kept sending me bills even after reaching out to them several times and providing them with the notice of termination several times. I followed their rules exactly as they had laid it out to me and they fraudulently kept charging me. I have opened disputes with the three credit reporting agency 's regarding this and requested them do a full investigation and to provide proof of the debt but they have not done as i have asked and just come back saying the debt is verified with no other context or the information i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : CXX/XX/XXXXXXXX # XXXX ), ( Account name : XXXX XXXX XXXX IN # XXXX ), ( Account name : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX ), ( Account name :XX/XX/XXXX XX/XX/XXXXXXXX, ) ( Account name : XXXX XXXX XXXX # : XXXX ), has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 (

e ) ( b ). And according to 15 USC 1681 5 they are suppose t
o do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
( Account name XX/XX/XXXXXXXX # XXXX ), ( Account name : XXXX XXXX XXXX XX/XX/XXXX# XXXX ), ( Account name : XX/XX/XXXX & OUT # XXXX ), ( Account name : XX/XX/XXXX XX/XX/XXXX# XXXX, ) ( Account name : XXXX XXXX XXXX # : XXXX ), has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/year>, and I noticed a few things to be incomplete and not accurate. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it shall follow certain procedures to ensure that the information that they are reporting is true and accurate for whoever the report relates to. 

This account XXXX XXXX # XXXX is not complete and accurate According to 15 USC 1681s-2 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. 

Check the attachments below :

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 2024-07-02 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: LA

Complaint narrative:
I have been having the hardest time with Equifax when it comes to them updating my credit report. They have addresses and accounts and inquiries that are not mine. 2 accounts in question I know for a fact is not mine due to the addresses they have and Equifax refuses to remove them and provide proof via mail of accuracy. 

Even XXXX and XXXX has not provided contracts with my original signature. Digital signatures do not count as well as the addresses.

Company response to consumer: Closed with non-monetary relief