vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have about {$XXXX} in federal student loan debt which was initially serviced by Nelnet. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an XXXX background check which showed about {$XXXX} in federal student loan debt. XXXX is counting my loan balance twice, once with XXXX and once with Nelnet. I submitted a dispute with XXXX for each Nelnet loan on the credit report. Im unsure if this is an error by XXXX, or by Nelnet  or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX  XX/XX/year> Unauthorized account on my credit report. I demand this get removed XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I have sent a Cease and Desist letter to the following creditor EASTERN ACCOUNT SYSTEM after several credit disputes and to end all communication. According to FDCPA Title 15 USC XXXX XXXX, Subchapter V : 1692c meaning all communication conveying of information regarding a debt directly or indirectly to any person through any medium includes Credit Report. I have Never established or authorized a consumer relationship with the creditor. This is NOT my account. I have also reached out to the creditor and spoke with the representative by the name of XXXX, as well as several other representatives regarding not establishing a relationship with Eastern Account System.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
Under 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also, ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Also, 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$XXXX} for each incorrect entry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Uplift, Inc
State: MT

Complaint narrative:
I was reported by uplift as having XXXX open loans in XXXX of 2023 that were not accurate to my history. I lost XXXX points in XXXX for the reported multiple loan 's not acosiated to me. I have been in contact with uplift and verified its inaccurate and they have a dispute filed also. I have been told uplift as of XXXX now reported to XXXX credit reports and the information was wrongly reported multiple times in my credit score. I would like to inquire about this as well as my points described above as a major impact on my account and if it would be corrected and if I will get my credit score back now. Uplift claims to report every XXXX  days yet its XXXX  months later they have added wrongly, why?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
XX/XX/XXXX deposit made to XXXX account for XXXX XXXX XXXX XXXX worth XXXX $ attempted to transfer said amount to my wallet for trading, however they all failed. Need to wait XXXX days for payment to post. 

XX/XX/XXXX Email received from XXXX stating they noticed unusual account activity and restricted my account. They requested verification of IDs ( previously verified on XX/XX/XXXX ), selfies and bank statement. Called to ask why they need the bank statement, they then asked a bunch of questions over the phone if someone gave me money to deposit, if Ive been forced to do the deposit, if I know what Im doing etc. 

XX/XX/XXXX received another email about the restriction, responded to email explaining that ALL the requested documents were submitted, they requested the bank statement again. this was sent. 

XX/XX/XXXX I called XXXX to confirm receipt, once again they said i needed to submit bank statement, when i explained that this was already sent the rep then stated that I need to sent a screen shot showing the funds being withdrawn from my account. I sent it and she confirmed receipt. 

XX/XX/XXXX email sent to XXXX for followup no reponse, banner message on app stated that the account was being reveiwed and would be resolved by XX/XX/XXXX. 

XX/XX/XXXX email sent as no response or follow up, now banner message is stating AGAIN that all the documents are needed again. 

I just want them to give me back my {$XXXX} so I can close this account and be done with them but I can't call as that option has been disabled and they are not responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Failed to implement adequate procedures to ensure the highest level of accuracy in the credit reports you publish. According to credit reporting laws, it is essential that bureaus only report credit information that is 100  % accurate, and all necessary measures should be taken to guarantee the complete accuracy and correctness of the reported information. 


Under 15 U.S.C. 1681i Paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. 

XXXX XXXX FAILURE TO VALIDATE AND INVESTIGATE, PLEASE DELETE IMMEDIATELY 15 USC 1681s- ( 2 ) ( b ) - FAILURE TO REINVESTIGATE 11 CHARTER COMMUNICATIONS Please Delete Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: CT

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-30 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: CT

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Good Morning, I hope this finds you well, Sir My name is XXXX XXXX who live in XXXX XXXX XXXX, XXXX XXXX, XXXX, I AM BANKING WITH SOFI UNTIL A FAITHFUL DAY I MADE COMPLAIN XXXX THAT MY ACCOUNT WAS HACK AND MY MONEY IS BEEN TRANSFER TO XXXX XXXX, THE XXXX XXXX  ALSO BELONG TO ME WAS ALSO HACKED ABOUT XXXX USD WAS MADE OUT OF MY ACCOUNT, I INSTANTLY CALL THE BANK TO STOP THE TRANSACTION, BUT XXXX TOLD ME I SHOULD WAIT UNTIL TRANSFER IS CONFIRM THEN THEY WILL RECALL BACK MY MONEY, I WAITED ALL DAY ONLY FOR ME TO CALL THEM THEY SAID THEY ARE GOING TO CLOSE MY ACCOUNT, I CALLED TO REQUEST FOR A CHECK TO BE SENT TO MY ADDRESS, SOFI BANK TOLD ME THEY TRANSFER MY MONEY TO ALTERNATIVE ACCOUNT ADDED IN MY ACCOUNT, WHICH THOSE HACKER USE TO TRANSFER THE MONEY, I ASK DID I GIVE YOU AUTHORIZATION, THEY SAID THEY WILL LOOK INTO IT AND THEY WILL SEND ME A CHECK TO MY ADDRESS, I SHOULD WAIT 10 BUSINESS DAY, I WAIT TILL YESTERDAY DATES XXXX, I CALLED TO GET MY CHECK, THEY TOLD ME NOTHING CAN BE DONE MY MONEY WAS ALREADY TRANSFER TO ALTERNATIVE ACCOUNT, SIR I NEED MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have requested proof of debt validation multiple times creditor has yet to provide a lease. Last conversation I had with creditor they stated they did not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was working with a loan officer from Bank of America to acquire a mortgage on a home while in contract. The XXXX misrepresented our assets in the application and took over two weeks to notify me after knowledge of underwriting denials. Bank of America never provided me with formal documentation for the denial reason and took over a week to get the required documentation to another lending intuition. 

Additionally, I paid a {$930.00} appraisal fee to Bank of America on XX/XX/2024. This payment was processed over the phone and no receipt has been provided. Bank of America instead has sent an invoice to the new lender stating that I did not pay the fee.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I purchased a product from XXXX XXXX ( XXXX ) on XX/XX/year> for {$120.00}. 
Company said USPS delivered package to my house and left package on front steps. 
I never received product. 
I called XXXX and informed them I never received product. They refused to send a new product and would not refund my {$120.00}. They said it was not there problem. 
I contacted my Visa card company Comenity Bank. I disputed the charge They said they would not charge back the {$120.00}. Why I do not know I HAVE NOT RECEIVED THE PROUCT I ORDERED. The company is not reputable. The package was probably taken from my front steps. I live in a major city where porch pirates are found. 
I should not have to pay for somthing I never received. USPS never rang my bell o rleft a notification of delivery. 
Comenity bank has sent negative payment info to the credit reporting companies and charging me interest. on the {$120.00} now {$220.00}. I have closed the account I had an outstanding credit rating before this incident ( XXXX ) I now I am at XXXX. All because of this incident. It is totally unfair IT IS TOTALLY UNFAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
n 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-04-30 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:
n 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-04-30 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: TN

Complaint narrative:
Upon reviewing my credit report, I discovered numerous inquiries that were made without my consent or authorization. This egregious violation of my consumer rights must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for permissible purposes. These permissible purposes include inquiries made in connection with a credit application initiated by the consumer, among others. the following inquiries by institutions do not have permissible purpose or my consent to obtain my consumer report. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, delete them from my 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 explanation
Consumer complaint received 2024-04-30 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: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX I Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect late payments on the account listed as XXXX XXXX XXXX  for the month of XXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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