vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: MA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To XXXX ( COMPLAINCE MANAGER ) You state : The Account originated on XX/XX/XXXX with XXXX XXXX XXXX  and was opened with XXXX XXXX  The Account charged off on XX/XX/XXXX with a balance of {$430.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$430.00}. 

However you have not produced the application when this alleged loan was originated, you also have not produced the agreement expressly authorizing this alleged debt as required pursuant to 15 USC 1692f ( 1 ). Do you possess an agreement creating this alleged debt? If so i am demanding that you produce this documentary evidence pursuant to : 119.07 Inspection and copying of records ( 1 ) ( a ) Every person who has custody of a public record shall permit the record to be inspected and copied by any person desiring to do so, at any reasonable time, under reasonable conditions, and under supervision by the custodian of the public records. 

You also state : The Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold, the new owner has the right to collect the account. 

You keep stating you owe an alleged debt without providing me with verification of this alleged debt, you also do not have consent to communicate with me about a debt that is allegedly owed. Communicating with me directly or indirectly to any person without my consent is harassment. Your communicating with the consumer reporting agencies about this alleged debt that is false and misleading and you are REQUIRED to cease and desist communication with such persons pursuant to 15 USC 1692e ( 8 ) which states : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

You were advised on XX/XX/XXXX to cease and desist your communications and yet I am showing that this account is still inaccurately reporting, I already advised that you are participating in aggravated identity theft ( see CFPB complaint and e-mail to your company ) and I am demanding that you cease and desist once more, failure to cease and desist communication regarding this alleged debt will cost your company a lawsuit being filed against them and yourself for failure to adhere to federal laws that protects me against your unfair, and abusive debt collection practices. 

You have within 5 days to remove this alleged debt from my consumer report, you do not possess documentary evidence of an application being submitted for a loan, and I have no record of this bank obtaining a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.

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 2024-02-26 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.

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 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
An account with XXXX popped up on my credit report a few days ago stating it was opened XX/XX/2023 and it states that I owe {$1700.00}. I just recently joined with XXXX in XXXX, there is no way that collection belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX fraudulent charges for {$160.00} appeared on my statement. I contacted American Express that day and they issued a replacement card and initiated a refund for the XXXX charges. That same day, the merchant, XXXX, also issued a refund for the fraudulent charges. 

On XX/XX/XXXX, I was notified by the merchant that my account was suspended because of the chargeback and because they had already issued me a refund. I contacted American Express that day via support chat with an agent named " XXXX '' to request they reverse the chargeback of {$160.00} and cancel my fraud case. They confirmed they would and that the merchant would be contacted and the reversal would appear on my statement no later than 5 days later. 

On XX/XX/XXXX, the reversal still had not appeared on my statement. I contacted American Express via chat to confirm my original request was processed. They refused to answer the question and asked me if I could like to initiate the request again. 

I then called their support line shortly after on XX/XX/XXXX and spoke to an agent to ask if my original request was processed. She said it had not and she had no notes of my original request. I asked her to submit the request and she informed me it would be reflected in 5 days. I informed her this was unacceptable and that this needs to be escalated to a supervisor as it would have been more than 10 days since my original request. She agreed and informed me I would receive a confirmation and the reversal would appear on my statement by the end of day XX/XX/XXXX. 

3 days later, on XX/XX/XXXX, I received a letter confirming my request was received. The reversal is still not showing on my account, and therefore, I am still locked out of my account with the merchant because of American Express ' refusal to honor my original request and then refusal to initiate my second request in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I want to stress that this account is not mine, and I have no knowledge of its existence. Despite this, it is negatively affecting my creditworthiness, which could have serious implications for my financial future. 

I have taken the necessary steps to address this issue by contacting both the credit bureaus and LVNV FUNDING LLC directly to dispute the accuracy of this information. However, the erroneous reporting persists, and it is impacting my ability to access credit on fair terms. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the inaccurate reporting by LVNV FUNDING LLC. I also request that LVNV FUNDING LLC provide proof of the validity of this account and remove it from my credit report if they are unable to substantiate its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I've tried reaching out to Marcus by Goldman Sachs about adding proper two-factor authentication such as TOTP or a security key instead of a SMS/Email one time passcode which attacks have conducted Sim Swapping attacks in the past to hijack bank accounts and is well documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern : In attempting to access my online Citibank account on XX/XX/XXXX, I received an error advising that I needed to authenticate some banking information. Unfortunately, both my credit card and savings account are tied together. 

After speaking with several agents on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was notified that my savings account had been closed and gave no reason why. I have yet to receive any information from the bank institution regarding this decision. In addition, all debit cards have been deactivated. 

I do not have any Citibank branches near me and unable to retrieve my funds of XXXX. I'm desperately begging for your assistance in retrieving my funds as this is unethical and illegal to withhold since no misrepresentation was involved.

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 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for DEPT OF ED/XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX Last 4 digit of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I've sent letters to the compines and no reply

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I've sent letters to the compines and no reply

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 2024-02-26 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:
TransUnion verified an account from XXXX that was not mines. An police report and identity theft document was submitted to both TransUnion and 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am a 30 year customer with Bank of America with personal and business checking and savings accounts. In XX/XX/year>, I was instructed by BoA phone support that I needed to go to a branch to change my XXXX Bank Relationship which requires {$20000.00} combined balances to avoid $ XXXX/month fee as I had moved excess money out of the bank to take advantage of higher interest rate products elsewhere. 

I met with XXXX at XXXX XXXX XXXX XXXX in DC on XXXX XXXX or XXXX, explaining I wanted to reduce fees. He removed me from XXXX Banking, we discussed what is needed to keep fees low, and he spent some time on the phone with corporate to insure that all of my connected accounts would still apply for minimum balances. He was concerned that it wouldn't be and was told that they would. He did his due diligence and it appears someone at corporate gave him wrong information. 

I began getting charges on 2 savings accounts and a checking account -- -totalling $ XXXX/month -- -more than the {$25.00} I was previously incurring. I returned to the bank branch on XXXX XXXX and was transferred to XXXX XXXX, who tried to sell me on Merrill investment products and returning funds to the bank. He shared that these were the charges. I requested refunds of the account charges from XXXX forward as I had relied on what XXXX had represented to me and I closed the two savings accounts to boost the minimum balance in the checking accounts. XXXX XXXX told me he could not refund the account fees, but would have the bank manager call me who could address that. 

XXXX XXXX called and left me a voicemail that afternoon asking that I return her call at XXXX. I attempted to do so on a number of occasions and the number rings and rings before disconnecting. I also tried the branch number which went to an automated system and said that no one was available. 

Today, I spoke with " XXXX from Texas '' at BoA customer support. He was able to refund {$14.00} fee for XXXX and XXXX on the checking account, but could not refund XXXX. He also shared that he could not refund fees from the savings accounts since they were closed. 

I would like assistance in getting the additional fees that were charged following my appointments with XXXX to match the representations he and the bank made at that meeting.

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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
In XXXX of 2023, I reached out to Caliber Home Loans to inquire about PMI Cancellation, since we were qualified to have it removed. We were told that since our loan was about to be moved, that they could not start that process. However, since the loan was moved more than 30 days after this communication, they should have given me the opportunity to move forward with the process and complete it within 30 days, as per the rules here : https : XXXX .... I was also told by Caliber that I would be able to start the process once my loan was moved to XXXX. However, this was not true, as XXXX told me I had to wait 30 days after the loan was moved to start the process. Caliber 's intentional delay has steamrolled into months and months of further delays and could have been avoided if Caliber had simply followed the rules instead of passing the buck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I scheduled a {$2000.00} payment to be made on XX/XX/year>. It was not processed on that day and continues to accrue interest on the amount scheduled to be payed while the payment is processed and on weekend days when you can not make payments and they are also not processed.

Company response to consumer: Closed with explanation