vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This is to lodge a formal complaint regarding the persistent errors in my credit reports across all three major credit bureaus ( Experian, XXXX, and XXXX ). The inaccuracies remain unresolved despite multiple correspondences, including a copy of my driver 's license for verification. 

I request your assistance in ensuring that these errors are corrected promptly, as they are impacting my financial health. 

Thank you for your attention to this matter.

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 2024-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I attempted to deposite XXXX which was XXXX XXXX and XXXX XXXX into a XXXX XXXX  ATM located at XXXX XXXX XXXX XXXX pa XXXX to go into my USAA bank account. An error message came up and said transaction error but the money was never released from the ATM or deposited into my account. No receipt was given, the transaction seemed to have canceled but my money was not returned. I have reached out to XXXX XXXX as well as trying to file a dispute with my bank USAA. My dispute with my bank was denied stating I had to reach out to the owner or the ATM ... XXXX stated they couldn't help I needed to reach out to my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company Genesis Credit Managment. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This complaint in relation to a Credit Card account with XXXX XXXX. 

I requested to close the account back in XXXX of XXXX. My records show that the account was closed as of XX/XX/XXXX. I then received a notification that late payments had been reported on my credit report in early XXXX. They stated the account was Levied with a {$2.00} interest charge dated for XX/XX/XXXX. After back and forth disputing with them, I paid the now additional interest that accrued on the {$2.00}. that total was now {$100.00}. I paid that amount on XX/XX/XXXX. I requested that the account be closed immediately. I was assured it would be closed. I was then issued a {$2.00} refund on XX/XX/XXXX. However, today I received a notification from my credit monitoring company that a new account had been opened and that there was a reported balance of {$2.00}. I logged back into the system and see that here is now a Minimum Interest charge added, dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Todays Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX, I am writing to raise a concern with the Consumer Financial Protection Bureau ( CFPB ) regarding the financing terms associated with my vehicle loan through GM Financial XXXX The account number is xxxxxx, initiated on XX/XX/year>. 

Upon reviewing the details of my account, I observed that the loan term spans XXXX  months, with a monthly payment of {$900.00}. Additionally, the interest paid last year amounted to {$36000.00}, with an APR of XXXX  %. The vehicle is identified by the Vehicle ID Number xxxxxxxxxxxxxxxx. 

While I appreciate the opportunity to finance my vehicle through GM Financial and value the benefits of the My GM Rewards program, I am concerned about the significant financial burden associated with the loan terms. The high APR and lengthy loan term have resulted in substantial interest payments and monthly payments that are challenging to manage. 

I kindly request the Consumer Financial Protection Bureau 's assistance in reviewing the financing terms and addressing this matter. As a consumer, I believe it is essential to ensure fair and transparent lending practices that prioritize consumers ' financial well-being. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate and take appropriate action to address my concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 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 According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated 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 According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified.

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

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 explanation
Consumer complaint received 2024-05-17 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: KY

Complaint narrative:
I checked out my credit profile and noticed there were some hard inquiries that are not mine.

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 2024-05-17 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: MA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

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 2024-05-17 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: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
Accounts came back as verified which is inaccurate. I would like a reinvestigation

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 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> letter sent to me saying savings account closed with no explanation. XX/XX/year> informing me that my funds were on hold until they review the transactions. It has now been XXXX months with no further communication. I have attempted many phone calls and am always told there is no information This is Bank of America in XXXX, CA

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 2024-05-17 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: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
After looking at my Credit Report I have notice a Hard inquiry from XXXX XXXX , that I didn't authorize as part of identity theft

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 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
MOHELA 's and FSA 's website both show I owe XXXX balance on all the loans that were issued to me. I had ten loans in total. MOHELA issued " paid-in-full '' ( PIF ) letters shortly after the 7 loans were paid off. For the last remaining 3 loans paid off on XX/XX/2024, MOHELA has not issued a PIF letter, nor has it issued a {$770.00} refund for an overpayment. 

According to MOHELA 's website, PIF letters are issued 30-45 days after effective date of loan payoff ( in this case, that effective date is XX/XX/2024 ). When queried on two calls and via writing on MOHELA 's messaging portal, MOHELA refuses to provide the PIF, nor explain why it has not issued it. As of today 's date of XX/XX/2024, it is 106 days inclusive of the effective payoff date. MOHELA also refuses to issue the refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-17 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: TX

Complaint narrative:
I have submitted multiple complaint and dispute letters regarding inaccurate information on my credit report. It is both ridiculous and frustrating that these issues persist. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to promptly investigate and remove all inaccurate information. I demand immediate action to address these errors. Attached are copies of the letters I have previously sent as proof of my efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I knew that my XXXX interest rate was going to go up as my XXXX  % XXXX expired. It was a really big increase so I needed to change my payment due date so that I wouldn't be overdrawn. I had tremendous difficulty implementing this change. Nowhere on Bank of America 's website does it say how to do this simple task. I even went to the bank itself and made an appointment. No one at the bank knew how to do it. He called the credit card number and no one answered the phone for XXXX minutes and this was Bank of America calling Bank of America. I finally had to leave. The recording only says to go online to solve any problem except they have no way to get this done online. I called XXXX more time out of desperation today and by some miracle got a human being on the line. She said the payment date could be changed but would have to wait until XXXX. Why does Bank of America treat people so badly? They are very efficient at implementing changes that benefit them but terribly slow at implementing changes that benefit their customers. I am making this complaint as I think their telephone hold times are absolutely unacceptable and I think they should be able to make a change like this a XXXX minute operation online. I hope complaints like this will change their way of operating.

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 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Calls are from this number. XXXX. State they are XXXX XXXX and are overly agressive trying to get paid for debt i do not owe nor ever owed. Company leaves repeated messages very aggressively stating a warrant for my arrest is being issued if i dont pay them XXXX immediately. 
Ive never had a first usa credit card and ive never charged XXXX on any credit card. They claim they have proof but will not provide it. When pressed to provide proof they get even more aggresive threatening to take my house and my car and garnish my social security checks. Im retired and live on social security only. This constant harrassment needs to stop. I saved the last message in my voicemail so you can hear how they talk and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$2100.00} XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$1100.00} XXXX - XXXX {$1500.00} XXXX - XXXX {$220.00} XXXX XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$390.00} XXXX XXXX - XXXX {$580.00} XXXX XXXX - XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief