vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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:
The U.S. Dept of Education is sharing my private information. I have requested they stop sharing and have also attempted to opt out to no avail. Per the FERPA, 34 CFR Part 99 ( The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ) Nor Does the furnisher of information meet any of the without written consent requirements needed to share as stated in 34 CFR 99.31. Please see 20USC1232 Gas well Nor have i been notified per 34 CFR Part 99.7a1 I have sent multiple letters and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The U.S. Dept of Education is sharing my private information. I have requested they stop sharing and have also attempted to opt out to no avail. Per the FERPA, 34 CFR Part 99 ( The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ) Nor Does the furnisher of information meet any of the without written consent requirements needed to share as stated in 34 CFR 99.31. Please see 20USC1232 Gas well Nor have i been notified per 34 CFR Part 99.7a1 I have sent multiple letters and it is still on my credit report.

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 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Following up on Consumer Financial complaint ID XXXX. I did not receive the email you referred to. Please re-send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Rushmore Servicing XXXX ) over- charged us interest onXXXX XXXX on Principal of {$140000.00} which was the same amount charged on XX/XX/XXXX on XXXX XXXX XXXX ) over-charged us again on XX/XX/XXXX with {$1000.00} on principal of {$140000.00} XXXX ) over-charged us again on XX/XX/XXXX with {$1000.00} on principal of {$140000.00} XXXX ) over-charged us again on XX/XX/XXXX with {$1400.00} on principal of {$140000.00} We received no answer from the Company representative why this over-charge when the principal has been paid down on the principal by us with $ XXXX every month. 

We had XXXX XXXX  pay off this HELOC on XX/XX/XXXX in the amount of {$140000.00} on a principal with Rushmore Servicing which at that dat was {$130000.00}. We could only reach XXXX XXXX  company as Rushmore Servicing answered phone calls stating that the Lohn had been paid off. 

We feel very strongly that Rushmore Servicing has overcharged us and are putting in this claim with your Agency to try to resolve the matter and get us the over-charges back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Avant Holding Company, Inc.
State: RI

Complaint narrative:
I contacted avant and explained I had fraud transactions on my account and there were purchases in Arizona and I live in Rhode Island... .they were/are not my charges ... .they did investigation and sent me a letter that these charges were found to be valid..I did not hear from avant with copies of my signature and the original receipts. I do not have access to enter stores in Arizona As I live in Rhode Island..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
A car was leased with this company at the time I done even believe a was of age or had a drivers license!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: RI

Complaint narrative:
I contacted XXXX  and explained I had fraud transactions on my account and there were purchases in XXXX  and I live in XXXX XXXX .they were/are not my charges ... .they did investigation and sent me a letter that these charges were found to be valid..I did not hear from XXXX with copies of my signature and the original receipts. I do not have access to enter stores in XXXX  As I live in 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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXX executor

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 2024-05-12 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally file a complaint against Capital One for incorrect reporting to all three major credit bureaus XXXX, XXXX, and XXXX. Despite numerous attempts and communications with Capital One to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by Capital One has significantly and negatively impacted my credit score and financial standing. The failure of Capital One to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in US Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner. 

Here are the key points of contention : 1. Incorrect account status : Capital One has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate. 
2. Failure to update information : Despite providing evidence and numerous communications with Capital One to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX To Whom This May Concern : On XX/XX/2024 I wrote you a letter requesting verification. 

On XX/XX/2024 ) you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take note that I am carefully recording all correspondence and I file complaints with the CFPB, FTC and AG. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. 

I look forward to your response no later than ( insert date 30 days from this letter )

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is indicating an amount owed for XXXX XXXX as of XX/XX/XXXX. This information is incorrect. I did not have XXXX XXXX in XXXX, the last time I had XXXX XXXX was in XXXX. I disputed the status date which is indicating as of XX/XX/XXXX with both the company directly and the credit reporting agencies. 
While Jefferson Capital did not correct the reported information, they sent me an email to confirm the year I indicated, as the status date, which was XXXX. I am disputing the date they are reporting as well as the amount being reported and requested multiple times verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( American Express ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. 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 non-monetary relief
Consumer complaint received 2024-05-12 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:
XXXX To Whom This May Concern : On XX/XX/2024 I wrote you a letter requesting verification. 

On XX/XX/2024 ) you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take note that I am carefully recording all correspondence and I file complaints with the CFPB, FTC and AG. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. 

I look forward to your response no later than ( insert date 30 days from this letter )

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 2024-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX To Whom This May Concern : On XX/XX/2024 I wrote you a letter requesting verification. 

On XX/XX/2024 ) you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take note that I am carefully recording all correspondence and I file complaints with the CFPB, FTC and AG. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. 

I look forward to your response no later than ( insert date 30 days from this letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Navy Federal Credit Union has falsely reported a payment made in XX/XX/XXXX and in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by NFCU reporting those payments amounts as {$0.00} for those dates. As NFCU is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report, and cease and desist all collection efforts due to their intentional fraudulent statements and reporting in violation of FDCPRA & FCRA. If NFCU wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Maam : This is my official complaint against Bank of America ( BAC ) regarding HIDDEN FEES which are the worst form of Corporate Greed and were all avoidable as supported below. 

I am going to keep this to the point without going into the XXXX XXXX XXXX XXXX during my 1 hr & 11 min call. 

I have been a Bank of America loyal customer for over XXXX ( correct 32 years not 3 years ) and also a Preferred Customer per Bank of Americas criteria ( not mine ) but really means nothing in terms of Customer Service XXXX 

To begin -- I want to make it known there is a recorded call with Bank of America on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX ( no complaints against those XXXX employees ) which lasted XXXX & XXXX and want executives to listen to. 

I realized Bank of Amerrica was charging me {$5.00} per month for unkown reasons since XX/XX/2023. Furthermore, these charges were avoidable based on my Preferred Status but XXXX completely failed here with Preferred Customer service. 

When I asked a ) why am I being charged these fees and b ) how caa I avoid these fees -- the Representative had to pull out their XXXX of fee rules and was challenged just to answer the questions why & how I can aovid the fees.

My time is extremely valuable and during our 1-hour & 11-XXXX discussion we uncovered in their XXXX of fee rules that the fees were ALL avoidable if Bank of America linked all my accounts for being a XXXX XXXX. 

I asked why didnt Bank of America link all of my accounts when I opened each account? I never received an answer but the truth is that is Bank of Americas Hidden Fee strategy and the worst form of Corproate Greed. 

Not only was BAC unable to answer the fee questions but more imporantly BANK OF AMERICA FAILED TO DO THE RIGHT THING WHEN THEY ACKNOWLEDGED THEIR ERROR. 

This is exactly what our Adiministatation, Congress, and FTC are trying to take down! I have attached a few articles as a reminder for the executives in case they forgot. And now that they have forced me to invest hours of my valuable time regarding these silly hidden fees I am all-in to shine light on XXXX  Corporate Greed.

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 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I paid for a credit check and completed an application to rent a unit at an apartment complex XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from a leasing agent, XXXX XXXX, telling me that I would need to come in by Monday to pay a deposit and sign the lease in order to secure an apartment. I spoke to XXXX the following week after receiving another call from her and explained to her that their apartment complex would not be a good fit for me. 
I never heard from them again through any method. 
A week ago I took out a personal loan and an XXXX loan in which my interest rate was extremely high. I didnt understand why being that Ive had no late payments or collections in over 18 years. 
Today I was looking over my credit report and found that XXXX XXXX XXXX XXXX XXXX  has placed a collection on my credit report for {$150.00} through a company called Pro Collect that was opened XX/XX/XXXX. 
They have never spoken to or mailed me any correspondence about having incurred this debt. Especially since I signed no lease, there is no reason to lead me to be aware of existing debt that was not prepaid ( such as the credit check which I paid during the application process ). They did not notify me of any existing charges that they believe I owed to them. Had I known about it, I would have had the opportunity to question why I was being charged without a signed rental agreement and also make the payment if valid. Instead, my credit has been stained and resulted in a high interest loan. Again, there were 2 loans that have been taken out since this collection was placed on my credit both accounts in XXXX of XXXX. 
The rate is more than 10 % higher for one account and 15 % higher for the other, than my other loans of the same type.

I should not have to be financially responsible for errors on debt records, notification, or reporting of either company. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation