vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX- Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please provide proof and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. XXXX XXXX XXXX I XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been disputing a charge since XXXX for an authorized charge i did not make for {$1000.00}. I have text messages, police office statement, and its never sufficient enough. I submit a CFPB and the executive office calls to tell me my claim has been resolved and final. Days later she calls me back to tell me she gave me incorrect information and the investigation is still ongoing, but that based on the evidence i submitted, everything looks good. The fraud department has submitted XXXX claims for this, they are never able to tell me what the charge is for. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
Company consistently providing inaccurate information on document that will be attached to claim this company is continuously reporting this account as a charge off which is against the law the date las t active and last payment date is incorrect and this has been charged off it should not be reporting a balance owed

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX. 
LAST NAME : XXXX. 
DOB : XXXX  NSS : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have already filed this information with my lawyers and the banks. I expect the federal government to do its job this time and investigate the fraud that was perpetrated by Bank of America and its employees. 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 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Stephen Buckley PLLC
State: NY

Complaint narrative:
I am writing to complain regarding a letter I received from the Law Office of Stephen Buckley PLLC, dated XX/XX/year>. The letter attempts to collect an alleged consumer debt on behalf of XXXX XXXXXXXX XXXX XXXX 

This communication constitutes the first instance in which I have been contacted by this debt collector, and I have received no further communications from this debt collector as of the date of this complaint. 

After reviewing the letter, I believe it violates the Fair Debt Collection Practices Act ( FDCPA ) in at least the following ways : Failure to Provide Validation Notice : The letter does not include the validation notice required by 15 U.S.C. 1692g. As this was the debt collectors initial and only communication with me, this omission represents clear violation of federal law. 

Failure to Provide Other Required Notices : The letter does not include the notices required by 15 U.S.C. 1692e ( 11 ), including that any information obtained will be used for the purpose of debt collection. 

Attempt to Collect a Nonexistent Debt : The debt referenced in the letter has already been disputed under the procedures of the Fair Credit Billing Act ( FCBA ), and XXXX XXXX rendered a decision in my favor that no debt is owed to the merchant. The attempt to collect this purported debt is a misrepresentation of the character, amount, and legal status of the debt, in violation oXXXX 15 U.S.C. 1692e ( 2 ). 

False Threat of Legal Action : The letter falsely states that a lien will be placed on my property within seven ( 7 ) days of the letters date. This statement is a direct violation of 15 U.S.C. 1692e ( 4 ) and ( 5 ) as it falsely threatens an action that the debt collector has no legal authority to take. It also constitutes false and deceptive means to collect a debt, in violation of 15 U.S.C. 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My identity has been compromised due to a data breach and that I am seeking removal of these affected accounts from my credit report. I have files a FTC report and also have contacted the credit bureaus. The results of this false credit reporting has caused significant damage to my credit report and has affected my personal life in many ways.

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 2024-09-18 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: AR

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-18 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: AR

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME XXXX XXXX XXXX 
LAST NAME : XXXX. 
DOB : XXXX  NSS : XXXX SECURITY FREEZE

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX - If a user logs into the Bank of America website a 'splash ' page will pop up asking if the user wants to switch to paperless billing. If the user closes this 'splash ' page without choosing yes or no the system automatically switches the user to paperless billing. 

I have been a credit card customer of Bank of America for 21 years and have never had a late payment. I was informed that I had a late payment in the fall of XXXX. It turns out that I was unknowingly switched to paperless statements/billing and the statements were going to my email spam folder. 

I contacted Bank of America with a goodwill letter asking for a one time forgiveness because of this situation. I received a phone call and was told that because of the CFPB they could not give one time forgiveness of late payments. I asked about when I was switched to paperless and they said I would be contacted. 

I was contacted by XXXX XXXX - Executive Offices Client Care Team - to be informed of when I switched to paperless. He stated that there is a 'splash ' window when you login to the online site asking if you want to switch to paperless statements. If you 'X ' out of the XXXX ' window without choosing yes or no- the system automatically switches you to paperless. This is direct evidence that I was probably switched to paperless without actively choosing to. I would not have actively chose paperless because again, in 21 years of banking with BoA - I have never wanted paperless billing.

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 2024-09-18 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Venmo has locked my Venmo account and money in my account due to a fraud claim submitted inaccurately on XX/XX/year>. The claim came from my girlfriends credit card provider sending me money which incorrectly flagged the charge as fraud. She has since cleared up this issue with her card company and they have agreed to not flag the charge as fraud. I have provided all this information including the direct letters by mail from her credit card company stating there is no fraud and they will no longer be declining the transaction to Venmo. I have sent this off to Venmo on XX/XX/year> but Venmo is currently not doing anything to fix this issue. Instead hiding being a TOS policy of 75 days even when the direct evidence has been presented stating there is no fraud, the charge is not being disputed, and they will get their money. This company has XXXX actual customer support that is going to rectify this situation and basically just withholding my funds illegally at this point. I have spend countless hours on countless chat conversations with Venmo but no one and I mean no one is remotely doing anything to actually investigate this fraudulent fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the practices of Navient XXXX XXXX XXXX XXXX concerning my XXXX XXXXXXXX XXXX XXXX XXXX. During the years XXXX to XXXX, I was charged forbearance fees. Those fees were {$50.00} for each forbearance dated ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ); totaled at {$250.00} in fees. Despite my attempts to resolve the matter, I was denied access to release my co-signer on multiple attempts. 

I have also discovered that I have paid a total of {$28000.00} in interest and principal payments equal to {$9900.00}. However, my overall balance due to Navient is, as of date : {$22000.00}. For a XXXX XXXX XXXX XXXX student loan with an original principal of {$24000.00}. 

By my calculations, I have overpaid by approximately {$13000.00} over the life of the loan. I have repeatedly asked for forgiveness plans, payment modification options, and assistance in resolving late fees but have been consistently denied. Furthermore, my co-signer continues to be held responsible for this loan despite my ongoing efforts to secure their release. 

The loan entered repayment in XXXX, and I am still making payments in XXXX. This loan has been in repayment for over XXXX  years, totaling approximately XXXX days. I feel that I have been unfairly harmed by these practices and would greatly appreciate the Consumer Financial Protection Bureau taking enforcement action to rectify this situation. I believe the charges and denial of reasonable requests for relief violate my rights as a consumer, and I am requesting an immediate review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 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, that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-18 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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